Hello, may I speak with Mr./Mrs. ___________, My name is ______________.
(SAY THESE PARTS QUICKLY):
I'm Calling from XYZ Financial Group(get creative). I'm calling regarding a FREE QUOTATION for final expense insurance that we are doing in your area.
Our Plans can save you anywhere from $7,500 to $25,000 or more on your Funeral Expenses and any outstanding debts you may leave behind.”
(Client): “I am not interested, How did you get my number?”
(Your Answer): We got your number from our home office and they said you we're not on the do not call list.
“WELL I AM ON THE DO NOT CALL LIST !”
I am sorry sir, but If you could just give me a couple minutes of your time and if you are not interested, you will never hear from us again**.
(50% will hang up, cuss you out or say I am not interested, just mark them off the list)
(ALWAYS BE POLITE, NEVER CUSS BACK, OR LOSE YOUR COMPOSURE, APOLOGIZE & MOVE ON, always remember, maybe this person later on, you might end up selling them something after all, if they decide to contact you back).
(IF CLIENT says) : “ okay”
(YOU SAY): Did you know that when you die your beneficiary will have to pay your debts off out of your estate before they have anything left over?”
We have a program where your beneficiary can receive 100% tax free money for your final expenses including funeral expenses and any money left over is tax free money to your beneficiary.
The plans we offer are very affordable and we offer the most competitive prices. Even if you have a fixed income, we have special pricing that can help.
This will just take a few more minutes of your time and can save you thousands of dollars !
(CLIENT:) “okay let me hear it”
(YOU): Is Final Expense important to you right now? (wait for an answer) “yes “ (or silence) go to step 2, (or if they say): “yes, but not at this moment” go to step 1 and then do step 2.
(STEP 1) – The rates we have are only available for a limited time and I cannot guarantee you they will be the same next week. (they will usually remain silent and this is when you hit them with your closer).
(STEP 2)-- DO you mind If I get just some basic information so I can give you a quote ?
(if yes)
May I have your name ?
Birthdate ?
Do you smoke ?
Do you have any medical conditions?
Last question: Do you take any medication ? (yes) could you give me the names of the meds and what they are for ? (if they don't remember the meds name(s), just ask what do you take medication for ?”
I got your address as _________________, is this correct ?
Great, this is all the information I need,
BEFORE I CLOSE THIS CALL LET ME GIVE YOU MY NAME & NUMBER, DO YOU HAVE A PEN & PAPER HANDY? (wait till they are ready and give them your information).
Okay you got it ? "yes"
Great, what I will do is run this through our Senior Underwriting Department so we can get the very best rate for you, when would be the best time to call you back ?
(When you call your Client back, if they say they can't afford it, make sure you run several different quotes at different levels and ask them how does this sound. Also ask them if they know anyone that may be interested if they could give your number to them.)
(If they say yes, then schedule a time to meet with them)
(Make sure to tell them that you need a list of all medications they are taking, the dosage amounts, the number of times per day and what each individual medication is for.)
(A final note: If they say) “ I am uninsurable "
(Tell them we have a new company that will take you regardless of your health claims as long as your between the ages of 40-80, you could say kinda like the Obama Care, where they take anyone now regardless of health condition, we have a Life plan now that will take you as long as your between the ages of 40 & 80.)
