What is the first reaction when a person receives a call from an unknown number telling them that they have a great offer regarding life insurance? The instinctive reaction is to decline that call and then complain about receiving it. That is the sales process that most of us don't want to go through because that offer wasn't created for us.
What about a person's instinctive reaction when they go to the bank and the sales officer offers a new product? Often it's, 'No. Not really interested!'....