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I don't know about your opinion Rob. Depends on what kind of lead it is and what your selling. It may work that way for Medicare supplements, but a t65 crowd gets inundated by mail, and everyone's on the dnc, so I guess its depending on your lead.
I personally will set myself apart from all the rest of the agents and will knock T65's soon. I chose a nice 50 mile radius around my place, and will optimize the route and see how it goes...
You are 100% wrong and 100% correct. Depends on the client, product and my gut. There are no absolutes in this business. IMHO
In the last week I have done 1 case F2F and the rest by phone. And they were all 100% the correct way to do them. For me. half of the clients called me and asked for the insurance. My lead cost is zero. Many times going on a F2F is as much for my benefit as it is for theirs.
Just my 2 cents.