I just started doing inbound sales (cold calling) for life insurance. All leads are given to me by the company I work for, so I am not having a problem with that. What I AM having a little trouble with is rebuttals. All the people I contact are retirees, so while life insurance would make sense for them, many of them already have it. We aren't allowed to replace any existing insurance over the phone, and convincing retirees that the benefit amount they have isn't enough has proven difficult. So what is a good rebuttal to "I already have life insurance"? I'm sorry if there is another post where this is addressed, I am obviously new and don't know anything.