The most challenging client that I have encountered so far was someone who had recently purchased a $1.3 million home. They already had $1 million of coverage for life insurance, but were looking to supplement it with an additional policy to cover any additional expenses if they were to unexpectedly pass. We had determined that with their annual income, a $2.5 million policy would best suit their family's needs. And so, I just had to remind them that what was at stake if an accident were to occur tomorrow? How would their family be affected if there wasn't enough coverage in place? And so, at first, they had needed a bit more time to think about the 10-year commitment of the term policy, but eventually they did decide that was the right move for their family's future.