If you are only making $60 dollars then you might want to relook at what you are selling. STM's are very lucrative. There are a couple of other things to consider:
1. At the end of the six month period you have a new sale again.
2. You can add Dental or a CI plan to the sale.
So much better then selling 0% plans . . .besides its the only thing available now unless your client has an SEP . . .the you had really better make it a combo sale or you are really doing missionary work.
Glass half full . . .not half empty.