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 ! My name is , and I'm calling on behalf of your agent, . wanted me to personally reach out, welcome you, and congratulate you on setting up your life insurance policy yesterday! How are you doing today?
Wonderful. I'm calling because we want to ensure everything is set up perfectly for your family right from the start. Our whole team is here to support you, so please never hesitate to call us.
Let me quickly confirm two things for our records. The policy is officially in your name, —is that correct? And you chose to receive the protection benefit. Is that still exactly how you want things taken care of?
Perfect. I just want to reassure you that you made an incredibly caring decision yesterday. This means your family is protected from funeral costs and final bills. It is a massive relief you've already taken care of. As a next step, your official policy packet is being processed right now. It will arrive within 7-10 business days after your payment goes through. When it arrives, you have a standard 30-day review period to look over everything safely. We will also help you set up your online client portal if you'd like.
If anyone calls you about changing or canceling this insurance, please call us first so we can protect your benefits.
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 ! 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 our system shows your official physical policy packet was mailed out, and it should have arrived at your home over the last couple of days. Did you happen to see that come in the mail yet?
(If NO): No problem at all, the mail can take a little extra time sometimes. I will leave a note to check back with you next week. If it doesn't arrive by then, I'll have a duplicate copy rushed right out to you.
(If YES): Wonderful! Did you get a chance to open it up yet? ... Perfect. I always like to ask our clients to double-check the front page just to be absolutely certain. Did everything look correct with your name, the coverage amount, and your beneficiary?
We know these legal documents can sometimes look a little confusing with all the fine print. Would you like me to reach out to to schedule a quick meeting or a phone call to sit down and go over the entire policy with you step-by-step?
(If YES): Excellent, let me look at 's calendar right now. Would a morning or afternoon time work best for you?
(If NO): Perfect, if you feel comfortable with it, that is great. Just make sure to put it in a safe place where your beneficiary can easily find it when the time comes.
I've updated your file to show you safely received the paperwork. Remember, you can call or text your agent if any questions pop up later. Thank you again, , have a wonderful day!
Hi ! This is , and I'm calling on behalf of your agent, . How are you doing? How's the family?
That's wonderful to hear.
Your premium should have come through on — did you notice it on your bank statement? Everything is still looking good with your banking? No changes to your account or anything like that? And has anyone reached out to you or sent you letters trying to get you to switch your insurance lately? Remember, if anyone pressures you to cancel or switch, call your agent first so we can protect you.
I just want to remind you — your policy is sitting there quietly protecting your family every single month. Your family won't have to scramble to cover expenses when the time comes. You've already taken care of that for them.
Which actually brings me to something I'd love to ask. Do you have a friend, neighbor, or family member — maybe someone from church or your community — who might not have that same peace of mind yet? A lot of seniors don't realize how affordable final expense coverage can be. If you think of someone, I'd just love for to give them a call. Who comes to mind?
(If they give a name): That is wonderful, thank you so much! I will write that down for . 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 later on, just let your agent know.
You're all set, . I'll call you again in a few months. Remember — we are always here if you need anything at all. Take care!
Hi ! This is , and I'm calling on behalf of your agent, . Happy 6-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 1-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!