I believe DM leads are your bread and butter. And you should always have those leads coming in. No matter what happens there is always going to be people that need FE. Also those who might not want anything now might want it later on, situations change constantly. I met a guy the other day had a policy for almost 10 years, mailed back the card and he told me that he just could not afford what he was paying anymore and wanted a different policy. I got him the same amount of coverage for $30 a month cheaper. I know FL is saturated with DM but just keep them coming in, you will get some good weeks and some bad. You can also pepper in some cold door knocks in between appointments.