I realize that insurance agents get a bad rap. There are few people on the face of the Earth who can be more persistent than an insurance adviser.

I often tell the story of the time I met with my own adviser who was trying to sell me a policy. I told him I would sleep on it. He then said: “Tim, that sounds good. You sleep on it, and if you happen to wake up in the morning, give me a call and let me know your decision.” We had a good laugh.