While on the topic I will give you some well tested replies that I use.
Q - Can I speak to the owner of the business
R - Regarding...
Q - Business proposition.
R - No, he's at a funeral
Q - Do you have Life Insurance?
R - I'm sure I do, I married
Q - What do you mean?
R - I mean, I'm sure I'm worth a hell of a lot more dead than alive to my wife!
Q - regarding finances, retirement funds, business loans.
R - I'm on the pension
Q - Re Mortgages Re-financing
R - I'm renting
Q - Google advertising
R - Never heard of it.
Q - You have never heard of Google?
R - No, I use internet explorer
Plenty more where they came from