Here is a quick method to save you some time. If a potential client comes to you and asks for a quote it’s good to know the minimum premium of the product they are asking about. That way you can gauge right away if they are a good prospect for you or not. If you say, “this is going to be at least $2500” and they are ok with it, they you can apply. If they say “no thanks” you’ve just saved a bunch of time toward something that was going to be a dead end.