Insurance agents spend thousands of dollars on leads.  Are you using your money wisely?  Are you making enough to justify this spending?  It's time to analyze how much you make per policy and per client to determine the value of each transaction.  Do you know ho much your time is worth per hour?  You might be selling policies that are too small to even justify processing them.  At some point, you may have to make a decision on what types of clients your insurance agency is seeking.