For each customer that calls into ABC credit card billing service call center, at the end of the phone conversation, the call center representative will offer each customer ONE of the following two products, a personal loan or a payment protection plan.

A number of predictive models have made the following predictions on the current caller James,

probability to accept the offer If accepted, the profit of the product personal loan 3% $225 payment protection 8% $120

Note, if not accepted, the profit for each product is 0. Which of the two products should be offered to James?

Judging by probability of accepting, payment protection is higher; but by profit if accepted, personal loan is higher.