Question on Older Clients

[mplsmm]

So I am fairly new and haven't quite gotten the hang of figuring out who to pass on writing. So I have an older gentleman, 78, my telemarketer got him and he had gotten a huge rate increase on his liability only, single vehicle and his renters insurance, we were half the price and he is on a very limited budget. He drives very little. Then he had his older brother call me, he and his wife both drive and own a home. Someone said not to write people at that age because if we drop them after he gets an accident, he will be hard pressed to find insurance at his age, so don't get older people that have been with their carriers forever. Is that right, how do you more experienced agents feel? What is a good cut off or rule of thumb for very senior citizens? I get the feeling they didn't think the first guy was so bad to write because it was just renters and one car, but the older guy that owns a home was worse. And he is lucid as heck and a retired AmFam agent.