life insurance appointment setting

What is the best time of day to speak to the elderly or retired, to set a date?
I'm considering a career where I sell long-term care, med supplement, final expenses, travel insurance and life insurance for people 50 years to 70 years old. I like to travel to their disuss homes for their needs.
I was an agent before and isurance also the best time to talk with them is usually between 2-5pm … coz usually in the morning are busy with some activities of the organization … Church .. or gardening … grandchildren … Dont talk to them as Coz 6 pm from reading sometimes are busy some newspapers or magazines … they havent done that since they are busy all morning … or maybe help do some cooking in the kitchen makes busy … also sleep early … I can say 2-5pm is the best … where u can drink coffee or while we are discussing things with them! give them the best deal that did not break your wallet