I'm looking for some advice on how to get a budget out of a potential customer. I want to be able to qualify a potential customer before I go speak to them. For instance, if they are 55 years old and want to spend $75/mo on health insurance, I can't come close to helping them. Because of this, I do see it as important to get the budget before you set down for a deal. Now, I have a couple of different issues with this. For one, I want some one to feel as if I am there to advise them (which is the way I like to think of it myself), rather than to come sell them something. When some one is asked about their budget, I feel like it instinctively makes them throw up the defense. If they do give a budget, I feel like often times they are low balling because they feel like you are just going to take their budget and stretch it out anyway. Problem is, there is no way to know if $200/mo really is their budget, or if they are actually able and willing to spend $300/mo. If I don't get a budget before the appointment, I would prepare a plan A, B, and C, but IMO it is kinda hard to "tailor" something when you just got a budget in the appointment. Not to mention, I don't like the idea of a potential customer watching me crunch numbers and flip through books. So, what are you experienced agents doing when it comes to asking about a budget?