IMMIGRANT LEADS PHONE SCRIPT
In this sales script, you'll learn the most effective way to call your leads. Recorded and written by FIG top producers earning over $50,000 per month in commissions, each word and sentence is intentionally chosen for its conscious and subconscious impact. We encourage you to thoroughly memorize both the script and the common objections. Thank you for your valuable partnership.
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Document No. 103 (2023)
Sales Script Footprint 1. Pre-Call Preparation OBupdengeQtuFiocrkmV.iew Script, Intro PDF, NLG Illustration System, TypeForm, CrankWheel, and 2. Initial Greeting SInpteraokduficrestywouitrhsealffrainenddmlyetnotnioen. National Life Group. Ask if the client has previous experience with life insurance. 3. Handling Initial Objections Rc oens tpaocnt .dI ft oa s' Nk eodt It no t cear lel sbt ea dc k' ol ar tseirm, pi l raor poobsj ee cat isopnesc iwf i ict ht i ma qe uainc dk ihni tgrhol di guhctt it ohne apno dl i coyf 'f se rb ef unteuf ri tes . 4. Intro-Warm Up MI n at ri no tdaui nc ea yfor iuernrdol lye aanndd tfroucsut swaorret ah sy. t o n e . RI fenl aeteedwe di t, he nt hg aegcel iiennat bbyr ime fecnotni ovneirnsga tyi oonu ranbaotuito nt hael i tcyl i.e n t ' s i n t e r e s t s . 5. Transition to Product Confirm the client's experience with life insurance. 6. CrankWheel Presentation II nf tt hr oedcul iceenCt rcaannk’ tWu shee eClraanndk Wa shkefeol r, ot hf fee rc ltioe ne tx’ ps lpahi no no ev enrutmh eb eprh toon seeannddas lei nn dk . p h o t o s . 7. Sales Pitch - Intro PDF DE mi s cpuhsass itzhee tshtea bpiol iltiyc ya'ns dmhaiisnt oproyi notfsN: lai ftei oinnasluLr iafne cGer, oi lul npe. s s b e n e f i t s , s a v i n g s p o t e n t i a l , a n d flexibility.
8. Budget Discussion - Budget Sheet ASusgkgfeosrtpaesrasvoinnaglsinrafonrgme abtaiosendtoondeintecrommien.e savings capacity. 9. NLG FlexLife Illustration UE xs pe ltahi ne iel al uc sht rbaetni oenf i tt oa ns hd oswa vei nx ga cs tpboet ne ne ft ii tasl ai nn dd es taavi il n. g s . 10. Addressing Client Questions Invite questions about the policy and its benefits. 11. Explaining the Process Ofleuxtliibnileittyhefoarpcphlaicnagteios.n review period, approval indications, policy review and signing, and
The Open-Close Script™ (U.S Immigrants/Expats Leads)
[GREETING WITH A SMILE] Agent: Hi [Client’s name], I'm [Agent’s full name], and I am a Senior Life Insurance Advisor ht heor ue gaht tNi ta twi oonual dl Lbi ef eaGgroooudp .t iI m’ v ee rt oe ceexi pv el adi ny ohuorwr el iqf eu ei nsst uarcat nu ca el l ywionr mk sy. Ho fafvi ceeynoouwh aa dn dl i f e insurance before or is this your first time learning about it? Pause for the client's response. [INTRO-WARM UP] Agent: Oh, okay. Let me introduce myself first: As I mentioned, my name [AGENT’S NAME] a[ cnl di e In at ’ms naa St ieonniaolri tLyi/f el e Iands ut yrpa en]c ep eAodpvl ies oh re rhee irne taht eNUa .tSi o. , nf oacl uLsi fi en gG or onul pi f ea ni nds uI wr aonrcke mwai ti hn l y w i t h sc ao vmi npgasn, ireest ii nr etmh ee nUt. Sp. l lai nk en iFnigd, eal ni tdy ial nl nde Ns sabt ieonneafli tLsi. f Ie rGerporueps e, wn thtihc eh lias rogne es tol fi ftehienos ul dreasntcteo p - rinat[eCdLcIEoNmTp’aSnSiTesAaTnEd],hcaovrreebcet?en in the business for more than 175-years. I see that you are Pro Tip: This part is extremely important. Maintain a friendly tone with a smile, so you will be likable and trustworthy in your client’s eyes. 😊
Pro Tip: At this point, start to have a conversation with your client to establish a rapport. Ask questions and find the way to connect to them whether it be pets, family, places they hold dear, their cultural background, or favorite sports. 😊
[TRANSITION TO PRODUCT] Agent: So, you mentioned you have little or no experience with life insurance, right?
Pause for the client's response. [CRANKWHEEL SCREENSHARE]
Pro Tip: Some clients are skeptical clicking on a link, that’s why the rapport “warm up” is so important, it helps them feel safe and more willing to click on it. 😊 Agent: I wish we could meet in person now, but in the meantime, I'll send you link to your ps hhoown eyno uu ms obme re, snou ymobuecr as ,nms ea ek imn ge iot ne ams iye cr at mo ue rnad ae nr sdt amnyd sycorue re no pwt ihoi nl es .I De xo pn l’ at iwn ot hr rey b, oe nn leyf i t s , y[loaustw4ildlibgeitsa]b?le to see me, I won’t be able to see you. Is your phone number ending with
Pause for the client's response. Agent: Let me know when you get the message. Did you receive it? Pause for the client's response. Agent: Great, I am ready, you can click on it, and you'll see me and my screen. [SALES – OPEN THE INTRO PDF] Agent: "This is National Life Group, the company I represent. Most people don't know about lGi freo ui nps ui sr a1n7c5eyceoamr spoalndi,eesvuennt iwl tehnet yt hs rt aorutglho ot wk ion gwfoorrl dl i fwe ai nr ss ,u2r 0a n0 c8emp ar or kt eect tci or ans. hN aa nt ido nc aolvLi di f e 19 . b e c aLuasset yt he ae ry, pt hr oe yv iwd ee rbee nr eecf oi tgtnoi zbeodt ha sUoS ncei t oi zfetnhse abneds tI ml i fme ii ng rsaunr at sn rceegcaormd lpeas ns ioefs tihneti hr e U . S . ismavminiggrsabteionnefdito?cumentation status. Do you remember the life insurance I mentioned with Pause for the client's response. [SALES – BRIEFLY EXPLAIN THE BENEFITS]
Pro Tip: Avoid using technical terms like “Death Benefit” or “Living Benefits” as these might be confusing. Instead, opt for more understandable phrases such as "Illness Benefit" or phrases like “if something happens to you” or “in case of a tragic event.”
Agent: This policy with savings is the #1 life insurance plan in the United States and Nmaatyi onnoatl mL ief ea nG mr ouucph i st ot hy eo uo lndoe ws t , lbi fuet i hn es ur er 'asnwc eh yc oi tm' spiamnpy oprrt oa nv itd: iWn gh et hni sy opul acnhtooo os eu ra cbl iaennkt so. rI t awni l il nbseu trha enrcee fcoormy po aunwy ,hyeonuywo ua ’nl lt naeceodmi tptahney mt hoastt'. sFboereenx aa rmopulned, Iac lhoonsge tBi ma nek, soof yAomu ekrni coawf oi tr their history. So let me explain how this life insurance works... and many of our clients use this policy as their tax-free retirement plan as well. It has four main benefits: 1. recNeuivmebtehreomnoen, Iety’s. a life insurance policy. If something happens to you, your loved will 2. w on h T l y y h I p e c a s h y e o c i s f o e t n r t d a o g b r ic e e n p h e r a f e p i s t p e i e s n n t t s h t , h a b i t s u t t h c o a is l m s p o p o a c li n o c v y y e . a N r l s a s o o ti u o h r n a c a s l l i i e l L l n n if t e e s s G w s r b i o t e u h n p t e e i f s r it m t s h i a n e n a o d l n , t c l h y h i r s c o o i n s m i a c p n , a c o n r t y i h t e i t c h r a a r l t e ansoot n inl lon oe ns seees xl pi keec tcsa tnhceesre, st thrionkges,. hI ehaarvteaat t calci ek nf to rwnhoo awdadsi tri iodni anlgcao ss tc ot oo ttehre acnl ide nhtu. rTt hhi iss i lsevg i. tAa lt, a s first, he thought it was minor, but it got worse, and doctors had to put steel rods in his leg,
sHoe hgeo tc oi tubl de nc a' tums eo hv ee fcooru ml d on n' tt dh os . bTahsei cdtohci tnogrs gl ai kvee mh iomv ea, lwe tatlekr, , oarnsdhho ewaepr p. Wl i ehdi l feo hr ea cboeunl edfni t' .t wy oour kc ,a tnh' te dboe na et fl iet ahs et ltpwe od bh ai ms i cpaacyt if voirt ireesn, tl i ak ne db ao tt hh ienrgt, hwi nagl ks i. nTgh, ies abt ei nnge, f oi tr gui vs iensgytohue m o n e y i f bcaanthgreotommo, nfotrhltyhrpeaeymmeonnttsh.s or more. All you need is a letter from your doctor, and then you 3. s y a o v u T e h p m i u rd t o i n – n e a – y n I i d n n t t o h h t i i h s s e i p r s l w w an o h , r y s d o m s m , o i e t s t m o o f e f i a t o n g u s r r o t c h w l a i s e t n o if t v s n e c o r h t t h o im i o n s e g e . h E th a v p i e s p n p e tu l n a a s n l l w - y , i s t y a h o v y u in o c g u a s n f . o E t r v a l e k o r e n y o g m u t t e o r m n m t o h , r y y e o o t u u h an cg ar en yg ae rt eaal l syhoouwr smwohnaetyyboauc' kv ef rpoami d t, ha en di ntshuer ag nr ec ee nc os mh opwa sn yw. hI ' al lt syhoouwc ay no ut aak ce hoaur tt . nTehxet . pTuhr ep l e icsatnhwe idtehadtrhawbeenveefint,mwohriec,hmisaanypatiymoeust twohyaotuyrofua'mveilsyaivf esdo.mething happens to you. Later, you TA hn ids ai sbwi ghpy l ui t s' si sa ltshoa ot ny eo uo fdtohne' tmpoa syt traexceosmwmh ee nn dyeodu pt laaknes tfhoer mr eot inr ee ymoeuntt. sUanvliink ge sr ieng ut hl ae rU . S . bwai nt hkds roarwr, el ti fi re ei mn seunrta anccceosuanvtisn lgi ks el i ka e4 t0h1i s( ko)n, we ahreer et ayxo- uf r epea. yTthaax te' ss ao nb itgh er ema soonne ywyhoyup e o p l e use it for retirement savings as well. 4. h o Awnmd ut hc eh fyoouur tahr eb es anve ifni tgi si nf ltehxei bf ui l ti tuyr. eT. hI fi sy op ul a' rne i sf accai nl l ge df i nF laenxc Li ai lf ed yi fof iuc uwl ti il el sb ea fat ebrl ea t yoeaadr j, uysotu cbaenn el of iwc iearr iyeos uarnsya tvi imn ge sw, ai tnhd t iwn corcelai cs ke st ho enmy owuhr ecnu sytooum' reer apbol ret. aYl o. Tu hcias nf l ae lxsiob icl hi tayni gs ea b i g reason why National Life Group gained recognition last year. Let's look at some numbers that fit your budget and affordable, so it is comfortable for you tyoousa'dvelikeevetroydmisocunsths?… before we dive in, do you have any questions or anything specific Pause for the client's response. [BUDGET – OPEN THE BUDGET SHEET] Agent: Let's see how much you can save each month. What's your date of birth? Pause for the client's response. Agent: Do you have any medical conditions? Pause for the client's response. Agent: Do you smoke? Pause for the client's response. Agent: How much do you make per week, after taxes? Pause for the client's response.
[EXPLAIN THE BUDGET SHEET] Agent: Financial experts and government recommend saving about 20% of our income. HP eorws oe nv ea rl l, ym, Io' ms t soaf vt ihneg paeroopu lnedc 1a n2 n%o to sf amv ye m2 0o%n t ehsl yp ei nc icaol ml y en. oGwi v tehnatthraetnyt os ub’er ee n[ Cwl ieenntt ’us pA. g e ] , Ir'edc ae di vvei ds eal or eockoi nr dg na tu amrbo eurn odf 5a pt op l1i c0a%t i oonf sy of ourr twh ieselki fley iinnscuorma ne .c Le apsltawn , eaenkd, tthhee caovme rpaagneys a v i n g r1a0t%e c. hT oh si se ni s wn ' at st oa bd oi cut ta t7e. 5w%h. aOt tyhoeur ss ho op ut el dd df oor, bt huet mj u isnt itmo ug mi v eo yf o5 u%a, na ni ddesao omf ewwh ae tn mt uops tt o people choose. WT hi at ht ' sy ot huer 5w teoe k1 l0y%i nrcaonmg ee ,. tI hs issawv ionugl d[ Lboew[eLroAwme ro Au nmt ]o uo nr t[]Htiog h[ He ri gAhme roAu mn t o] ue na ct ]h pwe re ewkeseoku. n d comfortable for you? Pause for the client's response. [PERSONALIZED NLG FLEXLIFE ILLUSTRATION – OPEN PDF] Agent: Let me show you exact numbers for your benefits at your age. This will help you see the benefits of this policy. Page 1: On the first page you can see the name of the company National Life Group, your nLeatmme,emgoy ntoampaegaen2d. address. This will show you the exact numbers personalized to you. Page 2: In Purple, this is the amount [$ XXX ] that if something happens to you, your b1 e0 nyeef ai crisa, r2i e0s ywe ai lrl sr, e3c0e iyveeatrhs i so rmaonnyet yi mt ae xi -nf rtehee…f uE tvuerne ,i ft ht hi sa tp hl aanp wp ei lnl sbteo hmeor rer foowr ,t hi ne m5 yt eoapr as ,y off any debt, or pay for funeral expenses so they can maintain the same lifestyle as now. This one with Green , , this is your savings. At age 69 you can take out [$ XXX], then [$ XXX ] aI nj uds tt hweann[t$e dX Xt oX t]a.l kB ut ot Iy’ mo ugao li int gt l et obsi thaobwo uy ot ut hme oi lrl ne edsest ba iel ns eofni t sy owuhri sc ahvyi no gusciannas feeew s e c o n d s , with Blue. This is the illness benefits that is included in your plan for no additional cost. ww ii tt hh t$hXeX tXe, ramn idn aa bl iol ul nt e$sXs ,XtXh ef ocroimn jpuar ny .yRpeamy se ma bboeur t t $hXe XbXe, nf eo fri tc rt hi tai ct aI l tiol ll nd eysos uy oa bu oaur te mc oyvcelri ee nd t tr he ac et iivs er i$gXhXt Xn. oTwh ius sci on ug l tdh hi se bl pe ny eo fui tt?oTphaey oynoeu wr rheon ht ue rvte hr yi s ml eognitnh tihf ey os cuocoatne nr …o t ygoout ow wo uolrdk . Page 4: See this graph? It's like the first one we looked at. The grey part shows the money yi no. uTphue tpiunr. pTlheepgarret ei sn epxatrrtai smtohneemy of onreyyoyuoruf ac ma ni ltya ki feyoouutpl aatsesra, wa nady .i t ' s m o r e t h a n y o u p u t Nmoowr e, lboaockk actotmh ep ar irgehdt tsoi dweh. Iaft yyoouu wp auitt ilno. nTgheirs bi se fi omrpe oyrot ua nt ta ka ne do ui tt' smwohnye ya, lyoot uo fc apne ogpe lteepv ue tn tinhetihreseanvdin,gysoiungtoetlimfeoirnesuthraanncyeoiunpthaiedUinn.ited States. You don't pay taxes on this money, so
[QUESTION TO CLIENT] Agent: “What do you think of these numbers? Do you have any questions about the benefits?” Pause for the client's response [EXPLAIN THE PROCESS FOR MININUM 3-5 MINUTES] Pro Tip: This step is extremely important. Now, the client likes what you said but might still have doubts because they don't know what will happen next. It's important to tell them each step they will go through and make sure they know you are always here to help and keep them informed. The more time you spend on this part is the higher chance that they will provide all the information to you right now including their bank account number. Also, this is crucial to explain that first premium will be drafted. Spend 3-5 minutes explaining the whole process. Agent: Let me explain the insurance company’s process. First, we complete and submit your ah po pu lrisc autpi otno t2o wNeaet ikosnda el pL ei fne dGi nr og uopn. Tt hhee crl ei evni et ’ws mp reodci ec sa sl ct yo pn idciat il loyn t, aakgees, taonbyawc choe rset abt eu tsweet ce .n 4 8 De vuerri yn tghti hn igs apl ei gr ni os dw, oi tuhr ol iuf er si nt as nu dr aa nr dc es . uInf dt he er wy rhiat ev res awn yi l lardedviitei own aa ll l qt uh ee sdt ieot na isl sd tuor ienngs ut hr ies roef vyioeuwr, lIi fwe iilnl sbuerya onuc er dp il raenc, tt hc oe nf it rasctt parnedmI i wu mi l l okfe[e$pX yXoXu} wu pi ldl abtee dd ef rdeuqcut eedn tflryo. mU pyoonu ra pbpa rnokv a l apcacyomuennt ,t wo fh[i c$hX XmXe] atnosbteh adte ydouuc treldi f ef rionms uyr oa nu rc eb pa no kl i cayc ci so ua cntti vaantyetdi m, seo iynotuh ec anne ex xt p2ewc tetehkes .f iIrt s t worth a moment celebrating, as it marks the start of your coverage. J Ya lol ouwr ps oyloi cuyt wo ivl el rt hi feynt hbaet ftohrewnaur md ebde tros ya or eu tfhoer syaomu re ea-ss iwg ne aj tuusrt ed. iTs hc ui ss ss et edpains dc rt hu ac itayl oaus ri tn a m e is correct, and your beneficiaries are correct as well. Ao uf tre cr l yi eonut'sv. eI swi gi lnl eadl s yoofuo rl l opwo l iuc py , wy oi tuh ayroeuael lvseerty, a6nmd oI nwt hi l sl gt oi vseeyeoiuf yaocua hl l atvoewaenlyc oqmu eesyt iooun tso during your life insurance policy. By oe uf or raepwp lei cpartoi oc ne e. Ld e, It ' ns ebeedg itno wr ei ct ho nyfoi rumr fsi rosmt ne ai mm pe —o r tj ua ns tt tdoe ct al ai lrsi ftyo, iet nms uurset tmh ae t ac chc euxr aa cc tyl yo af s i t appears on your passport. You said it's Carlos, correct?" [COMPLETE THE PRE-APPLICATION TYPEFORM]
Common National Life Group E-APP Mistakes 1. Starting the Application: Ap rl we fai lyl isnign di tei at at ei l st haenEd-aAtPt aPcfhrionmg tthhee iIlllluussttrraattiioonn aSuytsotme ma t, inc oa ltl yt h. e A g e n t P o r t a l D a s h b o a r d , f o r 2 . Product Selection: Select ONLY LSW-branded products in the illustration system, such as LSW TERM and FLEXLIFE (LSW), to avoid application rejection. 3. Documentation for Non-U.S. Citizens: Attach a copy of the passport for Non-U.S. Citizens without ITIN number to verify identity wpahsiscphoirstvisitanloftorreuqnudireerdw. riting and expedites approval. If they have ITIN number, copy of 4. Medical Information: Pa sr soivs itdteh ea mU . tSo. dr eomc t eomr ' sb en ra ma ney i nh et ahlet hmc ae rdei cparl oqvui de setri ot hn enya'ivr ee . sIef et nh e( Cc ol i ve indt Tc ae ns tnso, tn ruercsael lv ai sni tys, , dentist, chiropractor, emergency visits, flu etc.) or use a doctor from their home country. 5. Premium Draft Selection : For the premium draft section, choose "immediate" or "next available".
*** Scroll down to learn how to overcome objections. ***
Client Objections Wr e ah sesnu cr lai ne nc et s, npor tehs ienngt eolbs jee. cTt hi oenys m, i ti 'gshjtubs te at essi gt inn gt hyaot ut rh ek yn onwe el eddmg eo, roer i nt hf oe yr mmaat yi ohnaovre cpor on dc eurcnt so ar buonudtetrrsut satni nd gi nygoouf, tt hh ee pi nr soudruacnt c. eI f ct oh me ypsaanyy t, ht he ey ynme ei dg ht to nt oh ti nbke aabbol eu tt ,oi ta' sf f yo or du rt h e responsibility to find out the true objection. According to the statistics of life insurance sales, if you don’t overcome the objection on the call and you leave the client to “think about it” the chance is 86% that they’ll never get back to you. Remember that it's pa lesrof evcetrl yy nn oa rt umr aa ll ff oo rr py eo ou pt loe bt oe hp ar ev pe aqrue eds tt oi oanns sowr egri vt he eymo ur iogbhjte ac twi oany s–, tdhuerrienf go rt eh ei t csahl lo -u wl di tbhe the following: I AM NOT INTERESTED/ I DON’T HAVE TIME/I DID NOT FILL OUT ANYTHING (HARD DECLINE) I understand. Let me just introduce myself in 10 seconds, so if you're interested in the future, you can always contact me. J Is that okay? CAN YOU CALL ME BACK LATER - USE ONE OF THE FOLLOWING OBJECTIONS BASED ON WHAT SOUNDS BETTER TO YOUR NATION’S CULTURE: Of course, sure I can call you back later, most of the (client’s nationality or lead type or age) are reaching out to me with life insurance in the U.S because we can cover both document and undocumented people in the U.S. J I actually have already two calls scheduled today at 5PM and 8.00PM with two other families, since we have a package that offers protection and money back at the same time. J Would 6.30PM tonight work for you? I CAN’T LOOK ON MY SCREEN RIGHT NOW/IS THIS SAFE TO CLICK ON/NO TRUST Oh, it’s totally fine, let me do the old school way then, let me explain to you like this over the phone. I am going to send you some photos while I am explaining this to you right now, so you can look at them now or later on. I WANT TO THINK ABOUT IT: No worries, you actually have around 2 months from now to consider your options, as our process aims to ensure clients choose a plan that truly benefits them. With National Life Group, I'm confident that you'll be very satisfied. The process is quite simple, and here's how it works. (CONTINUE with script PROCESS) CAN YOU SEND ME AN EMAIL/ JUST SEND ME AN EMAIL: Appreciate your request for an email but due to a new policy of our agency, as licensed agents, unfortunately we are not permitted to send detailed illustrations through email to make sure our customers have all their questions answered from a licensed professional over the phone/screenshare. However, I have an alternative solution that ensures you receive all the necessary information and addresses any concerns you may have. (WAIT CLIENTS ANSWER, MOST OF THE TIME CLIENT WILL SAY “ALRIGHT, GO AHEAD”)
I will guide you through a detailed screen share presentation. We'll explore different policy options, explain all the numbers, and go through every small detail together which is very important. This way, you'll have a comprehensive understanding of the policy without missing any critical information that an email might not convey accurately. If you feel comfortable and satisfied with the policy we've discussed, the company will provide you with a personalized policy document that includes everything we covered during our conversation. This document will be sent to you physically or electronically, depending on your preference. All life insurance policies come with a "free look" period, typically 30 days, where you have the opportunity to review the policy in detail. If, within this period, you have any concerns or decide the policy isn't right for you we can always change/modify to make sure you're completely satisfied with Congratulations on purchasing your life insurance policy, I would be happy to offer you a complimentary policy review to ensure that you have the living benefits included for no additional cost for chronic, critical, and terminal illnesses. Many companies don't include these benefits unfortunately. We're proud to offer them at no additional cost. These benefits can provide financial support in the event of an illness, allowing you to access a portion of your policy's death benefit while you're still alive. Our most popular product is called Flex Life where if nothing happens with you and you decide to cancel, you can get all your money back and that one also has the living benefits included. Do you have about 5 minutes? I would love your decision. Is these sounds fair? I ALREADY GOT TAKEN CARE OF: I understand your concern about the cost of life insurance. However, there are various options available to suit different budgets. In fact, we have a product which is the most popular, it is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I DO NOT NEED LIFE INSURANCE RIGHT NOW I have many clients who don’t want life insurance, that’s why our company invented a product which is the most. popular, it is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. The best thing is that you are also covered with illness benefits for no additional cost. Are you more interested in illness benefits and saving options? I'M YOUNG AND HEALTHY; I DON'T NEED LIFE INSURANCE. I have many young clients who don’t want life insurance, that’s why our company invented a product which is the most popular for younger people, it is called Flex Life because it is flexible, you can decrease increase the premium and if nothing happens with you and you decide to cancel in the future, you can get all your money back. The best thing is that you are also covered with illness benefits for no additional cost. Are you more interested in illness benefits and saving options? IF STILL SAYS NOT INTERESTED: Is there anyone in the family like children or spouse, who is the main reason you clicked on this advertisement? to show you a few options. IT IS TOO EXPENSIVE.
I ALREADY HAVE LIFE INSURANCE THROUGH MY EMPLOYER: Employer-provided life insurance is a great benefit, however if you change jobs or your employer discontinues the benefit, you can lose coverage. If that happens in many years and you want to reapply, you will be older and might not be able to apply for life insurance or at a very high price. Having a personal life insurance policy ensures you maintain coverage regardless of your employment situation. In fact, we have a product which is the most popular for people who already have life insurance at their employer. it is called Flex Life because it is flexible, you can decrease increase the premium anytime and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I DON'T TRUST INSURANCE COMPANIES/SKEPTICAL CLIENT I understand that trust is crucial when choosing an insurance provider. The reason why I am representing National life Group. Life Group is because it has been around since 1848 (175 years) surviving two world wars, market crashes, and COVID-19. It is very important to choose a company with long history and reputation. Also, National Life Group is the only company in the U.S. that has 5 living benefits included for no additional cost. I have reviewed all insurance companies’ products in the U.S. and none of them offers this benefit, that’s why I am helping my clients with these solutions. fact, we have a product which is the most popular, it is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I’LL JUST INVEST MY MONEY INSTEAD. (REAL ESTATE ETC.) Investing is an important aspect of financial planning, but it shouldn't replace life insurance. Life insurance provides a guaranteed financial safety net for your family in the event of your passing, while investments can be subject to market fluctuations. We have a product which is the most popular for people who like to invest, it is called Flex Life because it is Flexible with accumulation value based on the S&P 500 which is growing TAX-FREE and you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I DON'T HAVE TIME TO DEAL WITH THIS NOW: No worries, I also have a policy review for my client in 15 minutes. Would tomorrow the same time work for you, so I can answer all the questions you have? CAN WE GET BACK TO THIS IN A FEW WEEKS/MONTHS/NEXT YEAR? If you wait a few weeks or months, your age will increase, and the company will calculate the premium based on your new, higher age. Even a one-year difference in age can have a substantial effect on the premiums you pay over the life of the policy. We have a modern life insurance product called Flex Life which you can start with something you can afford now and increase in the future. It is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options.
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