.....INSURANCE SALESMEN..... How does a sensitive and well-bred individual politely say "no". In your 
discourse with the average insurance salesman, you will have ample opportunity to practice
this particular social grace. According to current etiquette research, the best way to
handle the situation is simply to say, "That's very interesting. I'll think about it and 
get back to you tomorrow." For example, the insurance salesman may brazenly allude to 
your mortality and suggest a life insurance policy to pass on to your children. At this 
point you will most likely be thinking, "Hey, of course I'm not going to ever die, 
stupid, don't you know that I'm the one exception?" Saying as much, however, 
would be considered rudely impolite.....