True, but I know some agents automatically quote non-tobacco discount WITH HH discount on everything.
I take the time to ask the tob question and if there is a qualifying spouse. When they say "Your rates are really high" then I ask what THEIR rate is. Then I qualify what the other agent did vs what I did. Most of the time that wins them over.
Sometimes they go stupid on me and say they will buy from the other guy because he has better rates.
OK, go have fun with that. Don't call me back when the first draft hits your bank and it isn't "right"
Georgia has shady agents. North Carolina doesn't.