I totally understand, and I would be surprised if you did remember. I don't even remember what I ate for breakfast yesterday!

We have had an overwhelming response rate in your area, so I apologize for not getting back to you sooner. This was regarding the state regulated final expense programs to pay for your burial and cremation. You put down your date of birth as x/x/x and your favorite hobby as [xxxx], is that correct?

Perfect, most people I speak with already have coverage, I'd be surprised if you didn't have any.

I'm not asking you to make any changes, I'm just here to review the plans and benefits that are available for you in 2025, and then get you information on whatever you may be interested in.

Sound fair... You put your date of birth as [x/x/x], is that correct?

OK I am not interested either.

I'm simply a field underwriter. It's my job to get this information out to you to release us of liability, what you do with that is up to you.

Now , I won’t have a lot of time as we are running behind but I can stop by between appointments to have you sign off that you are not interested either at ________, or ____ what time is better?

Yeah that's not a problem.

Sicne we work with all the A Rated carriers what I'd like to do is to see what you may qualify for and then we would be able to email that to you with the policy.

Have you had to deal with anything serious in your personal health like cancer, heart attack or stroke?

That's great, maximize that as much as you can.

Have you thought about what would happen if you ever change jobs or your company ends up dropping those benefits like Sears did and a lot of other companies are doing?

And let's say your health changes unexpectedly, like it gets worse, and you can no longer qualify for insurance and then something happens to you, what would you do then?

See why it's important to have insurance outside of the job. Have you had to deal with anything serious in your personal health like cancer, heart attack or stroke?

Perfect I will update our system that we have already helped you.

Looks like you haven’t got your courtesy annual review completed. As an underwriter my job is easy, it's just to review the benefits to make sure they're the best ones or if the 2025 ones are better.

What I can do as a field we helped you with and see if there is see if we can get your premium lowered.

I wont I have a lot of time, but can do a quick review between appointments at either _____, or _____ what time is better?

Okay (Client Name), perfect.

That will make this way easier for me, so what I’ll do is put you down for tomorrow to review and make sure our guys got you set up correctly.

It shouldn’t even take 5 minutes. Are you still working, or retired or disabled? (Jump right back into the script)

I understand, to refresh your memory you put down your DOB is _______ and your address is _______ and your loan amount is _______ , is that correct?

Perfect most families that send back the request like you did, want to ensure when they die that there is no financial hardship and they don’t struggle with the house, does that sound like something that would have been important to you as well?

Perfect my job is to get that information out to you that you originally requested as it shows you haven’t received it.

I will have 5 minutes to get this out to you between appointments at either _____, or _______ which time is better?