A topic that is coming up more and more around the country, this week we are going to work on how to respond to our prospects when they say they “can’t afford the down payment.” Some states have implemented rules that require higher amounts to be collected at new business, but these higher down payments can also be required for various other reasons that are in our underwriting guidelines. This week we will work through how to respond, but also will discuss just how important our own thoughts around this requirement can be in our results.