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How are you overcoming the "I already have insurance"?
I would also suggest not introducing yourself as "Demon Bob."
"Great! You actually have to have insurance to qualify for many of these programs! Since you filled this card out I'm just required to go over this with you real quick. If I'm not able to help you I'll get out of your hair, but there are almost always additional benefits available for you if you've been paying for a policy. I'll be sure to give you the quick version, does morning or afternoon work better?"
Hope this helps. Don't tell them over the phone that you are going to come look for a replacement, just let them know that there are additional benefits available that they can qualify for that don't require them to pay any more premium. These people are the best clients because they already bought one of the bad companies out there like Lincoln Heritage (LH), Senior life, colonial penn, AARP, etc.
Also, if they won't set an appointment I would 100% go and door knock them. These people will more than likely be very friendly at the door. Can't tell you how many people are standoffish over the phone that turn out to be buyers when you door knock them.
stated by tribe guy
"Great! You actually have to have insurance to qualify for many of these programs!
Yeah start out with a lie. That's a great way to get things rolling!
Technically they would need to have insurance to qualify for some things. Reduced paid up, cash value, etc...
At least that's how I would rationalize it.