Opening Objections
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?
I totally understand.
Are you not interested because you think it will cost too much or are you not interested because you were declined before and think you can't qualify?
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?
Closing Objections
agent: Yea that's not a problem, how does your spouse feel about you having the stronger financial protection with the policy for her/him to be able to pay for the home and some of the other expenses when something DOES happen to you?
client: responds
agent: well hold on though, what are you going to do if you go to them and they don't want you to get the life insurance policy so you can protect them, so you end up not having the extra protection, and then something happens to you, what are they going to do then?
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?
agent: (agree with them): Yea that's not a problem, when you say you don't have the money, how do you mean by that? Just so I understand
client: responds
agent: Yeah that's not a problem. 99% of our client budget is their number one concern. It's just the day and age we live in. The thing is when you pass away this is the only thing that will pay off all the other bills and the last thing we want is another go fund me on facebook.
These programs are geared for people on a fixed income or tight budget and what we've found is something is better than nothing with this type of thing.
Know what I mean?
client: yes
agent: Let's apply for this one (lowest option) and see if you even get approved. Who is going to be the main beneficiary?
(go into the application)
I understand you want to speak with them about the policy. What most kids will say is "It's okay Mom, you don't need that. We got it."
The problem is we know what's best for them and this is for them so that they are not coming up with $15,000 out of the blue or have to do a go fund me on Facebook.
Let's put in an application today to make sure the last memory of you comes with a check to handle everything. That way they can grieve with dignity.
Who is going to be the main beneficiary? (go into the application)
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