This process is how Richard Canfield has become a top producing Life Insurance agent with a focus on Whole Life insurance in the spirit of the Infinite Banking Concept. It sends clear boundaries on the advisors time, and the commitments prospects must agree to before becoming clients. It makes sure they are educated and making informed decisions before the first meeting and establishes a precedent on how the future of the relationship will go. It puts the ownership of decisions on clients and makes sure they are committed to taking actions when requested. It focuses the client on ongoing continued education on thier own time to create more leverage of time for the advisor and reduced wasteful meetings for the life of the relationship. This buys hours of time back long term in servicing the client.