Rebuttal:
(Re-anchor value) "Totally understand- that's why we set this up... so your family doesn't have to come out of pocket.
(Offer control) "If needed, we can always adjust coverage — but keeping something in place is the most important part."
Rebuttal:
“That makes sense — what concerns do you think they’ll have?”
(Bring clarity) “Just so you can explain it clearly — this is locked in, no medical exams, and guarantees coverage based on your approval yesterday.”
Rebuttal:
(Tie back to approval)
“Totally fair — the main thing is you’ve already been approved, which is the hardest part.”
(Create soft urgency)
“We just want to make sure nothing delays or cancels that approval.”
Rebuttal:
(Don’t panic — slow it down)
“Got it — usually when someone says that, it’s because something didn’t sit right. What specifically are you unsure about?”
(Then isolate the issue and solve)
Rebuttal:
(Don’t fight price — shift value)
“That’s fair — just make sure it’s the same type of approval. A lot of cheaper plans aren’t actually approved yet or have waiting periods.”
(Reinforce)
“You’re already locked in with no surprises.”
Rebuttal:
Reset context (from script style):
“No worries — we spoke yesterday and got you approved for coverage so your family wouldn’t have to deal with expenses.”
Rebuttal:
(Reframe timing risk) “We can adjust timing, but the key is your approval is based on your health today — we don’t want to risk losing that.”
AETNA: 1-800-872-3862 | Corporate & General Member Services Support
AFLAC: 1-800-433-3036 | Policyholder Claims & General Customer Support
ALLIANZ: 1-800-950-1962 | Fixed Annuities, Life, and Long-Term Care Support
AMAM (American Amicable): 1-800-736-7311 | Client Customer Relations & Administration
AMERICAN HOME LIFE: 1-800-259-0468 | Main Client Customer Support Line
AMERITAS: 1-800-300-9566 | Policyholder Benefits, Accounts, and Billing Support
AMERITAS OCCIDENTAL: 1-800-736-7311 | Client Services (Serviced via American Amicable Group)
AMERICO: 1-800-231-0801 | Policyholder Client Service Department
BALTIMORE LIFE: 1-800-628-5433 | Home Office Client Relations Expert Team
BANNER LIFE: 1-800-638-8428 | Legal & General Customer Service
CICA (Citizens Inc.): 1-800-880-5044 | Domestic Policyholder & Compliance Client Line
COMBINED (A Chubb Company): 1-800-225-4500 | Policyholder Inquiries & Support (Excluding NY)
AIG / COREBRIDGE: 1-800-448-2542 | Client Care Center for Accounts & Policies
ETHOS: 1-888-384-6754 | Direct Consumer Support & Policyholder Help
F&G (Fidelity & Guaranty): 1-888-519-6902 | Life & Annuity Customer Policyholder Services
FORESTERS: 1-800-828-1540 | Member Customer Care & Claims Service
GBU FINANCIAL LIFE: 1-800-765-4428 | Main Client Services & Fraternal Benefits Line
GERBER LIFE: 1-800-704-2180 | Existing Client Customer Service (Grow-Up Plan/Whole Life)
GTL (Guarantee Trust Life): 1-800-338-7452 | Customer Service & Policyowner
KANSAS CITY LIFE: 1-800-821-6164 | Main Client Services & Policyholder Relations
MANHATTAN LIFE: 1-800-877-7705 | General Life and Annuity Customer Support
MOO (Mutual of Omaha): 1-800-775-7896 | Policyholder Customer Service Hotline
NATIONAL GUARDIAN LIFE (NGL): 1-800-988-0826 | Client Support & Individual Policyholder Services
NLG (National Life Group): 1-800-732-8939 | Customer Relations Division for Policy Support
NORTH AMERICAN LIFE: 1-877-872-0757 | Life Insurance Policyholder Support Center
PACIFIC LIFE: 1-800-347-7787 | Client Services & Life Insurance Administration
PAN AMERICAN LIFE: 1-877-939-4551 | Client Services & Individual Product
ROYAL NEIGHBORS: 1-800-627-4762 | Member Service Expert Support Line
SBLI: 1-800-694-7254 | Customer Service Support & Operations
TRANSAMERICA: 1-800-797-2643 | Individual Life Insurance Policyholder Support
TRINITY LIFE: 1-866-211-0811 | Toll-Free Client Operations & Customer Care
UNITED HOME LIFE: 1-317-692-7979 | Policyholder Services & Main Office
Hi, may I speak with ?
Hi , this is , calling on behalf of your agent, .
asked me to give you a quick call today to welcome you and check in after getting your life insurance set up yesterday. How are you doing today?
[Pause and let the client respond.]
That's good to hear. I just wanted to make sure everything went smoothly yesterday and that you don't have any questions or concerns after getting everything taken care of.
Let me quickly confirm a couple of details for our records.
The policy is in your name, , correct?
And you listed as your beneficiary. Is that still correct?
[Pause and confirm.]
Perfect. I just wanted to make sure we have everything exactly the way you intended.
And congratulations again on getting this taken care of. You made an important decision yesterday, and now you have a plan in place to help your family with those final expenses when the time comes. That's one less thing for them to have to worry about later.
Your official policy documents are being processed now and should arrive within approximately 7–10 business days after your payment is processed. When you receive them, take some time to look everything over. You'll have the standard review period to make sure everything is in order.
We'll also be happy to help you get your online client portal set up if you'd like.
One other quick reminder: if you ever receive a call, letter, or offer from another company asking you to change or replace your coverage, don't feel pressured to make a decision on the spot. Just give a call first. We'd be happy to review it with you and make sure you understand any changes before you do anything.
I've got everything updated on our end.
We'll check in with you from time to time, but if you need anything before then, you can always reach out to .
Again, congratulations, , and welcome. We're glad to have you with us. Take care, and have a wonderful day!
Hi ! It's calling from on behalf of . How have you been since we last spoke?
I'm calling because your very first premium of is set up to come out of your account on the . We always like to check in a few days early to confirm everything sounds right. Has anything changed with your banking recently that we should know about?
(If payment info changed): Oh, I'm glad you mentioned that — let's take care of this right away. Don't worry — your application is safe, but I am going to flag this for right now so we can get your new information updated before the draft date.
And just as a quick reminder, while I have you — if any other companies have reached out to you or sent you letters trying to get you to switch your coverage, please call your agent first. Your rates are fully locked in, and switching can restart waiting periods for your family. and our whole team want to keep this gift you gave them completely secure.
I've got your file fully updated. We will reach out periodically for a quick check-in, but you can reach out to if you need anything sooner. Welcome to the family, . Take care!
Hi ! This is , and I'm calling on behalf of your agent, . How have you been?
I'm calling because your official policy packet was mailed out, and it should have arrived at your home by now. Did you happen to receive it in the mail?
[If NO]:
No problem at all. Sometimes the mail takes a little longer than expected. I'll make a note to check back with you next week. If it still hasn't arrived by then, we'll make sure you get another copy.
[If YES]:
Wonderful! Did you get a chance to open it up yet?
[Pause.]
Perfect. I always like to ask our clients to take a quick look at the first page just to make sure everything is correct. Does your name, coverage amount, and beneficiary information all look right?
[Pause.]
We know policy documents can sometimes be a little confusing with all the legal language and fine print. Would it be helpful if I reached out to to schedule a quick phone call or meeting to go through the policy with you step-by-step?
[If YES]:
Absolutely. Let me take a look at 's calendar. Would a morning or afternoon work better for you?
[If NO]:
Perfect. If everything looks clear and you're comfortable with the policy, that's great. Just make sure you keep the documents somewhere safe and let your beneficiary know where they can find them when they're needed.
I've updated your file to show that you've received your policy documents.
And remember, if any questions come up later, you can always call or text . We're happy to help.
Thank you again, . Have a wonderful day!
OPENING / POLICY CHECK-IN
Hi ! This is , and I'm calling on behalf of your agent, . How are you doing today? How’s everything going with you and the family?
I just wanted to give you a quick call and make sure everything is still going smoothly with your policy.
Your payment was scheduled to come out on , so I just wanted to make sure that went through okay on your end.
And has anything changed with your bank account or the way you're making your payments?
Also, have you received any calls, letters, or mail recently from another insurance company asking you to change or replace your coverage?
If you ever do, don't feel pressured to make any changes right away. Just give Angela a call first. She can take a look at what they're offering and make sure you understand everything before you make any decisions.
Other than that, it sounds like everything is right where it should be. And that's really the goal. You've already put a plan in place so your family won't have to worry about that expense later on. You've taken care of that ahead of time, which is a wonderful thing.
REFERRAL TRANSITION
And John, before I let you go, can I ask you one quick favor?
Since you've already taken that step to protect your family, you may know someone who could benefit from having the same kind of protection.
It could be a friend, a neighbor, a family member, or even someone from church or your community. Sometimes people don't realize that final expense coverage can be more affordable than they expect.
Is there anyone who comes to mind that Angela could simply reach out to and have a conversation with?
(If they give a name): Oh, wonderful. Thank you, John. I really appreciate that.
I'll make a note of their name for . What is the best number for her to reach them?
(If they say no one right now): That's completely okay. No pressure at all.
Sometimes someone comes to mind later, so if they do, just give Angela a call and we'll be happy to reach out.
CLOSING
Well, you're all set, . I'll check in with you again in a few months, but in the meantime, if you ever have a question or need anything at all, don't hesitate to reach out to . We're always happy to help.
Take care, John, and have a wonderful day.
Hi ! This is , and I'm calling on behalf of your agent, . Happy 6th-month anniversary with our agency! How have you been?
Everything is looking completely perfect on our end. Are your banking details still the same? Excellent. And no confusing letters or spam calls from other insurance companies trying to sneak in, right? Perfect.
Since we hit the half-year mark, wanted me to quickly share something a lot of our final expense clients have been asking about lately. They've been looking into simple plans that pay cash directly to you if you ever have an unexpected hospital stay, helping cover those out-of-pocket medical bills. There are no complicated forms. It's just something can walk you through down the road if you're ever curious about it.
(If they show interest or ask questions): It really is a great layer of protection. Let me check 's schedule to see when they can give you a quick call to share the details. Would a morning or an afternoon work better for you?
(If they say they aren't interested right now): No problem at all! We just like to make sure you know what options are available to keep you protected.
Also, since you’ve been a valued client for 6 months now, we want to make sure your loved ones are just as protected. Who do you know—like a friend, neighbor, or family member—who could use the same peace of mind and final expense protection you have?
(If they give a name): That is wonderful, thank you so much! will give them a call to help them out. What is the best number to reach them?
(If they say no one right now): No problem at all! If anyone comes to mind later down the road, please feel free to let your agent know.
It is such an honor having you with us, . Keep an eye out for our monthly text check-ins, and I will call you again in 3 months. Have a wonderful day!
Hi ! This is , and I'm calling on behalf of your agent, . How are you doing today? Great to hear.
noticed that a lot of our final expense clients are also on Medicare, and sometimes they're paying more than they need to, or their plan doesn't cover what they think it does. Are you happy with what you're paying and the coverage you have?
does a completely free Medicare review — no obligation, no switching required — just making sure you're in the best plan for your situation. Sometimes clients save $50 or $100 a month. Would you be open to having give you a quick call to take a look?
(If YES): Wonderful, . I'll let know you'd like a quick Medicare conversation and they'll reach out to you.
(If NO / Not Interested): No problem at all! We just want to make sure you are getting every benefit you are entitled to. I'll note in your file that you are all set.
Before I let you go, because Medicare and final expenses can be so confusing for seniors, we love helping people just like you. Who do you know—maybe a friend, neighbor, or family member—who could use some honest help with their insurance or Medicare?
(If they give a name): That is wonderful, thank you so much! will give them a call. What is the best number for us to reach them?
(If they say no one right now): No problem at all! If anyone comes to mind down the road, please reach out to your agent.
I'll check in again down the road as always. You take care now!
Hi ! This is , and I'm calling on behalf of your agent, . Happy 1st Year Anniversary! Can you believe your family has been fully protected for a whole year now?
Since it's been a year, do you feel completely content with your current coverage amount, or did you want to discuss adding any extra protection today?
(If they want more coverage): Great, I'll have call you to go over options. Would a morning or afternoon work best?
(If they are content): Perfect, we'll keep everything locked in exactly as it is.
Since you know firsthand how great it feels to have this peace of mind, who do you know—like a friend, neighbor, or family member—who needs to set up this same protection for their family?
(If they give a name): Wonderful, thank you! will give them a call. What is the best number to reach them?
(If they say no one right now): No problem at all! A lot of people don't realize how affordable this is, so just pass their number along to your agent if anyone comes to mind.
Thank you for an amazing first year, . We love having you in our agency family. Have a beautiful day!