It's always the right thing to do the right thing. Even though it's really hard at the time, your ability to do it will set you apart from more people than you think. Sadly, too often people in the insurance industry act like they've never heard of such a thing. If we can all stop trying to talk our way out of doing it, That's what I talk to Nancy Nicklow, of Huff Insurance, about as she knows what happens when you do. P.S. There's a lot of people doing the right thing in Agency Nation University, go do it with them.