IN BOUND DIALER SCRIPT
Thank You for responding. My name is ______, I’m a licensed
insurance professional
May I have your first & last name name?
Are you looking for coverage for yourself? or yourself and a family member
Mr/Mrs____WHAT MOTIVATED YOU TO RESPOND TO OUR CALL
TODAY? “I see….”
What city & state are you calling from?
What is your age?
So, you are ___ years old, good. Just in case we get cut off, what number are
you calling from?
Mr./Mrs.____ before we get started, please allow me to tell you about who I
am. My name is ______, I’m a licensed insurance professional, I
work in the final expense department & I am the decision maker who will
determine whether you qualify for these benefits, in the state of ______,
Please grab a pen and paper to write down my name, phone number and state
insurance license number. “Do you have the pen & paper? Good. The reason
that I do this is for your protection
Start Warm Up
As a qualifier for the state of ______., I can offer DISCOUNTS on your
life insurance plans. Now Mr/Mrs ______our plans don’t require medical
exams and we are not like most other companies, we don’t send a nurse out to
your home to take blood or do exams nor do we do it through the mail we
believe that most people are honest and
married? Is your spouse retired? What Do/Did they do? Have you lived in
the state all you life? Do you have children? How many? How old are they?
Grandchildren? How many? Do they live close by? How often do you see
them?
(Slow down. You have to break the barrier this person just met you and you can’t sell
anything until you sell yourself)
Remind them what motivated them to respond to our call today and that in
addition to that reason most people want to know more about the high cost of
final expense and other plans that may be available to help their families. Now
we can call for two reasons first to see if you qualify and second to see what
your needs are. Now:
Mr/Mrs when was the last time you were in the hospital? Do you have any
serious health problems? Like Heart, Cancer, Lung, Stroke, Terminal Illness
or anything serious?
Are you on any prescription medications? HT/Weight. Do you Smoke?
(WRITE THEM DOWN- Most important part of underwriting process.)
Decide which company you are going with NOW!!!!!
Start Presentation. Never, ask for Permission
XXXXX LIFE BALTIMORE LIFE
Mr/Mrs___, This is a Final expense insurance
Mr/Mrs.__ This is a Baltimore Life final
expense insurance policy. It is a life
insurance policy to help you secure peace
of mind for you and your loved ones. We
have been serving families since 1882 and
we’re located in Owings Mills, Maryland.
But I am calling from our regional office in
Stroudsburg, Pennsylvania.
Mr/Mrs.__ This is a XXX Life final
expense insurance policy. It is a life
insurance policy to help you secure peace
of mind for you and your loved ones. We
have been serving families since 19xx
and we’re located in xxxxville, State. But
I am calling from our regional office in
City /State.
tures of Your Final Expense Policy
Permanent Whole Life Insurance protection
Ages 0 – 85 may apply.
Insurance amounts available from $1000 to $20,000.
Accidental Death Benefit Rider available.
Premiums do not increase AND benefits do not decrease.
Policy can not be cancelled by the company except for non-payment of premiums.
Now we don’t come out monthly to collect the payments like they did back in the
old days, we let the bank take care of it. Now, For a company discount, do you
use a local or a national bank for your monthly business transactions? Great!
Build cash value and it has loan value.
No medical exam is required. Just answer a few simple health questions on the
application to see if you qualify.
(Most of our policies go into full benefit immediately. No waiting!)
We pay most claims in 24 hours of receipt of all necessary paperwork.
The close
Okay Mr/Mrs__, What I’m looking at 3 plans that you may qualify for and I
based on them the cost of funerals today in (The state of _____), which average
between $8,000 and $10,000+, Mr/Mrs ___ please write this down.
Explain what type of plan they qualify for;
Your first plan – a $8,000 Whole Life with a $40 monthly enrollment.
The second plan – a $9,000 Whole Life plan with a $45 monthly enrollment.
The third plan – a $10,000 Whole Life with a $50 monthly enrolment.
(While you look these over, let me get a little more information. Mr/Mrs __, is there a
middle initial?)
Start Filling Out the Application
Now, Mr/Mrs _____, who would this benefit go to? (The Beneficiary)
Now, which benefit best fits your needs and your budget?
Okay, now Mr/Mrs ___, what we are going to do now is take a voice
application over the phone, where we record the cal for your protection.
Basically the way we set this up is through your checking or savings account
so that we can get your plan issued as soon as possible.
START RECORDING!!!