which is why i sucked at selling insurance. I was too ethical to up sell someone something they didnt need. For example, say you own a 150,000 home. the company I worked for wanted you to try to sell the insurance on it for 150% of its value or what they called, re-construction costs,or 225,000 dollars. Not only does this increase your rate monthly, but this makes people believe their home is actually worth 225,000 so what do they do, they run out and take a second mortgage out. Drove me NUTS to where after a few months, I had to get out of it