Introduction: Agent: "Hello, my name is [Your Name], and I specialize in helping individuals and families plan for their final expenses. How are you today?"
Building Rapport: Agent: "I understand that discussing end-of-life matters can be difficult, but it's an important step in ensuring your loved ones are protected. I'm here to make this process as simple as possible. May I ask, do you currently have any final expense coverage in place?"
Identifying Needs: Agent: "What concerns or expenses do you have in mind for your final arrangements, such as funeral costs, medical bills, or other financial obligations? This will help me tailor a plan that suits your specific needs."
Explaining Final Expense Insurance: Agent: "Final expense insurance is designed to cover the costs associated with your funeral, burial or cremation, outstanding medical bills, and any other end-of-life expenses. It provides peace of mind, knowing that your family won't be burdened with these costs."
Customizing the Plan: Agent: "Now, let's talk about the coverage amount that would be appropriate for your situation. We can work together to determine how much coverage you'll need based on your specific expenses and budget."
Addressing Concerns: Agent: "Do you have any concerns or questions about final expense insurance that I can help address?"
Presenting Options: Agent: "I can provide you with different plan options to choose from, each with its own premium and benefits. We'll find the one that aligns with your financial goals and provides the coverage you need."
Closing: Agent: "Based on our discussion, I can recommend a plan that would meet your needs. Would you like to proceed with an application today?"
Follow-up: Agent: "If you need some time to think it over, that's perfectly fine. I'm here to assist you whenever you're ready. Please feel free to reach out with any questions or concerns."
Final expense scripts can be adapted to the specific needs of the insurance agent and the potential client. They serve as a valuable tool to ensure that the conversation is structured, informative, and respectful of the client's preferences and concerns.
