pass it off... There is a good likelihood that they won't buy, but if they try the und process will often be a pain. Let the other rep take that flak. Not worth it unless you plan to go into that line "all in"- even then questionableI'm an independent who focuses on health and Medicare stuff; however I've had several referrals amd current client show want me to write stand alone LTc. Any thoughts on a needs analysis, form I can Create, survey they circle to help narrow down their interest or help guide me in conversations? Sent from my iPad using InsForums