What’s your best rebuttal...

Apr 17, 2019

  1. ABAInsurance
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    ABAInsurance Super Genius

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    when a prospect says: “
    Our kids can afford to pay for our funeral”
     
  2. DHK
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    DHK Guru

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    "Sounds like you've got all your planning figured out."

    "May I ask you something?"

    "Do THEY know that?"

    "Would you have any objection to having them purchase insurance on you with your consent?"
     
    DHK, Apr 17, 2019
    #2
  3. Life Hawk
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    Life Hawk Guru

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    "So, you are comfortable to leave the bill for your children to pay?"

    "Yes."

    Well, if that's the answer, you can't sell that... don't try. :no:
     
  4. FinalExpenseDojo.com
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    FinalExpenseDojo.com Guru

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    Ok great! So... why am I here? *chuckle*

    There's a reason you got that far in the conversation. Asking them that point blank will make them want to tell you again why they responded in the first place. If they don't, you got a dud! Dust off your feet and go!
     
  5. somarco
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    somarco GA Medicare Expert

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    DHK had the best comeback so far.

    If you are getting this far in the interview before getting the payment objection, either you did not qualify this person BEFORE setting the appointment.

    Or you failed to uncover the reason why they were willing to talk to you. No one invites an insurance agent into their home for social reasons.
     
    somarco, Apr 18, 2019
    #5
  6. WinoBlues
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    WinoBlues Guru

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    That. F2F - I am surprised at times. However, I pretty much know what they are buying, their health maybe even the beneficiaries. Before I even put on long pants.

    I know :cry:
     
  7. BADTROUT
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    BADTROUT Guru

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    Keyword here is "our"... Our kids can afford to pay for our funeral”

    My response is, Great, so we don't have to talk about that portion of the protection. Funerals are overpriced nowadays so I'm glad that's off the table. So lets talk about what happens when something happens to (insert husband's or wife's name here). If your kids have the funeral covered, is there any income to replace, or bills that would need to be taken care of? Will you take time off work (if applicable of course)? Are there any churches or charities you would like to endow anything to? etc etc

    I would rebut the rebuttle and move on to the next topic in the needs analysis. IF the rebuke the notion of life insurance altogether I would say now that we have reviewed that, let's move on to the fun part and save you some money on the home and auto...

    If I am able to save them some money there, and I usually can, I then go back later to my "your premium would likely be in the $X range per month conversation about life insurance" and say, it looks like we can save you enough money on the home and auto that we can spare your kids the burden while they mourn your untimely deaths. All of this money we saved from this Peter Insurance company home and auto could pay for your Paul Insurance Company Life policy.
     
    BADTROUT, Apr 18, 2019
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  8. Life Hawk
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    Life Hawk Guru

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    I went to see my mom the other day, and she asks, "What are you doing here? I didn't send in a card." :shocked:
     
  9. somarco
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    somarco GA Medicare Expert

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    You must have been dressed in your agent costume
     
    somarco, Apr 18, 2019
    #9
  10. Life Hawk
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    Life Hawk Guru

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    Yep, had my long pants on.
     
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