For those that Work TM Leads: How Do You Deal with these 3 Out of 4 Types of Leads?

Never hurts to see if there's a more efficient way of doing things, which is why I am posting this thread.

I come across 4 types of TM leads, and I want to hear from other's how they deal with these in the intro call back.

1. Easiest type of lead, the lead that provides all the company and premium information and is open to a call back.
2. Spouse does the insurance, call back any time
3. Has no idea what they are paying
4. Mistrustful of providing company/premium information

My hang-up is on the last 3.

Number 2, It seems like when I call for the spouse, it's almost like a
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