Hi, (first name). This is __________ from Higdon Insurance Agencies, your local Allstate Insurance Agency. Mr. Higdon asked me to call you as September is Life Insurance Awareness Month. Research has shown that 35 million US citizens do not have any life insurance and only 1/3 of Americans are covered by individual life insurance, this is a 50 year low.
When was the last time you reveiwed your life insurance?
Then it wouldn't hurt to take a look at it. I would like to take a few minutes to gather some information from you and then have our Life Specialist Brenda Stone contact to you discuss. Do you have a few minutes now?
If yes, move on to questions.
If no, go to the bottom and use common objections.
When was the last time you reveiwed your life insurance?
Then it wouldn't hurt to take a look at it. I would like to take a few minutes to gather some information from you and then have our Life Specialist Brenda Stone contact to you discuss. Do you have a few minutes now?
If yes, move on to questions.
If no, go to the bottom and use common objections.
Common Objections
Objection: I have life insurance through work.
Answer: You more than anyone need to schedule a review. Did you know that some policies through work require that you be actively employed or coverage is cancelled. Could you imagine getting cancer and not being able to take off of work in fear of losing your life insurance? Let me get your info and have Brenda call you ok? there is no obligation.
Answer: You more than anyone need to schedule a review. Did you know that some policies through work require that you be actively employed or coverage is cancelled. Could you imagine getting cancer and not being able to take off of work in fear of losing your life insurance? Let me get your info and have Brenda call you ok? there is no obligation.
Objection: I already have enough life insurance
Answer: That's great but research has shown that the average person only has enough to replace 4 years of income. Experts recommend 7 to 10 years of replaced income. Then add college and etc. It adds up. Why don't you just let me get your information and get it to Brenda for a review? Theres no obligation and it never hurts to get a second opinion. ok?
Answer: That's great but research has shown that the average person only has enough to replace 4 years of income. Experts recommend 7 to 10 years of replaced income. Then add college and etc. It adds up. Why don't you just let me get your information and get it to Brenda for a review? Theres no obligation and it never hurts to get a second opinion. ok?
Objection: I can't afford it
Answer: We hear that a lot especially in this economy and I guess that's why we are in a 50 year low. But, what most people don't know is that we have policies for as little 35 Cents per day. So, let me get your information and have Brenda contact you. There's no obligation to purchase. We want to make sure your family is protected. Sound good?
Answer: We hear that a lot especially in this economy and I guess that's why we are in a 50 year low. But, what most people don't know is that we have policies for as little 35 Cents per day. So, let me get your information and have Brenda contact you. There's no obligation to purchase. We want to make sure your family is protected. Sound good?
Objection: I don't want to take the medical exams.
Answer: We actually have a policy that doesn't require any blood or medical tests. We just ask questions. That's easy enough right?
Answer: We actually have a policy that doesn't require any blood or medical tests. We just ask questions. That's easy enough right?
Objection: Not right now, maybe later. Or I don't have time.
Answer: I understand you are busy, we all are. But, there's nothing more important to us than protecting your family. It will only take a few minutes to gather the information and I can have Brenda mail you the information if you don't have time to talk. Does that sound ok?
Answer: I understand you are busy, we all are. But, there's nothing more important to us than protecting your family. It will only take a few minutes to gather the information and I can have Brenda mail you the information if you don't have time to talk. Does that sound ok?
Objection: I'm already sick, yall won't cover me.
Answer: While I can't guarantee coverage, it doesn't hurt to look and see. In some cases, if a condition has been gone long enough, we can offer coverage. Let's talk to Brenda the expert and let her make that determination. ok?
Answer: While I can't guarantee coverage, it doesn't hurt to look and see. In some cases, if a condition has been gone long enough, we can offer coverage. Let's talk to Brenda the expert and let her make that determination. ok?
Objection: My spouse takes care of all of that.
Answer: I understand that, but life insurance is too important for both of yall to not be aware of and confident about the coverage you have. So, let me get some basic information and then you can discuss with your spouse before Brenda contacts you back to review your situation. ok?
Answer: I understand that, but life insurance is too important for both of yall to not be aware of and confident about the coverage you have. So, let me get some basic information and then you can discuss with your spouse before Brenda contacts you back to review your situation. ok?