1. Introduction Script:
Agent: Hello, my name is [Your Name], and I'm a licensed life insurance agent. How are you today?
Client: I'm doing well, thank you.
Agent: That's great to hear. I'm here to help you protect your family's financial future through life insurance. Can I ask you a few quick questions to better understand your needs and find the right coverage for you?
2. Educational Script:
Agent: Many people are unsure about life insurance, but it can provide crucial financial security for your loved ones. There are two primary types of life insurance: term and permanent. Term insurance offers coverage for a specific period, while permanent insurance can last a lifetime. Do you have any preferences or questions about these options?
3. Needs Assessment Script:
Agent: To determine the right coverage for you, I need to understand your financial situation and your goals. What are your financial responsibilities, such as mortgage, loans, or college tuition, and who relies on your income?
Client: Well, I have a mortgage, and I want to ensure my children's education is taken care of.
Agent: Great, let's discuss your income, debts, and your long-term goals in more detail so I can tailor a policy that meets your needs.
4. Product Presentation Script:
Agent: Based on our conversation, it seems that a 20-year term life insurance policy might be a good fit for you. This can cover your mortgage and provide for your children's education. Here are some options we can explore.
Agent: We can also discuss permanent life insurance if you're interested in building cash value over time.
5. Handling Objections Script:
Client: I'm not sure I can afford life insurance right now.
Agent: I understand your concern, and affordability is important. We can work together to find a policy that fits your budget. Many people are surprised to find that life insurance can be more affordable than they think. Let's review some options and see what works for you.
6. Closing Script:
Agent: It was a pleasure talking with you, and I'm excited to help you secure your family's future. Based on our conversation, here's the policy that I recommend. Are you ready to move forward with it, or do you have any more questions or concerns?
Remember, successful conversations with potential clients involve active listening and addressing their unique needs and concerns. Feel free to customize these scripts to make them your own and build rapport with your clients.
