I apologize in the beginning for the inconvenience. I will let them know that this is a question that I haven't come across and if I could either place them on hold and get the proper answer or if I have time to get the right answer from an underwriter and give them a call back. If it's a more complex answer I'd feel more comfortable going through with reaching out to whomever the team may be that can help to get me the right answer. That way I can relay that over to the insured and get them the right answer and that also clears up for any room of error. I do not like my license, my name on the line if the answer is not correct so I do not give any answers unless I know 100% what it is.