How do insurance agents explain policy exclusions before a client buys?

Policy exclusions are easy to skip when a client is focused on price. I have seen people listen carefully to the premium, deductible, and monthly payment, then glaze over once the conversation moves into what is not covered. The problem is that exclusions are exactly what they remember later when a claim does not go the way they expected. I try to pull out the exclusions that match the client's r…