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While Wino, JD & others might agree with this, I dont. I see its merits in most sales situations & maybe other demographics its 100% true, just not FE in my opinion. As JD has said (and rightfully so) a 1000 times on this board, the FE market are world class procrastinators. So, a lot of times (not all) the "I need to think about it" is just another way to put it off longer so they dont have to pay, even though they want it.
I have used the "lets get u approved & get the policy in your hands for you to review before your 1st payment" approach oh, I dunno, maybe 10-15 times in the 18mos Ive been doing this. When I know they want it, and its not the product or price, its just they are nervous to actually commit to anything new (CHANGE) & actually do it. And Id say, out of all those times, 2-3 have called me back to cancel...so I will con't to use it in the right situations, but I dont believe its weak, not for this market.