Insurance Call Script

2025 Final Expense Script

Introduction:

“Hello, this is [Your Name] from [Insurance Company Name]. How are you doing today? May I speak with [Prospect’s Name]?”

Establish Connection:

“Great, [Prospect’s Name], I’m calling to share some information that could really benefit you and your loved ones during a tough time. Do you have a moment to talk about final expense insurance?”

The Hook:

“I understand planning for the future, especially the end-of-life expenses, isn’t easy, but it’s one of the most thoughtful gifts you can leave for your family. Have you ever considered how your loved ones would manage these costs?”

Educate about Final Expense Insurance:

“Final expense insurance is designed to cover funeral costs, debts, or any remaining medical bills, which can be quite a relief for families. The average funeral can cost several thousand dollars, and unexpected expenses can add up quickly.”

Emphasize the Burden Removal:

“Imagine this: at an already difficult time, your family won’t have to dip into savings or go into debt just to give you the goodbye you deserve. By planning now, you ensure they can focus on remembering and celebrating your life rather than worrying about financials.”

Personalize the Pitch:

“I’ve spoken with many folks in [Prospect’s Location/Area], and they’ve shared how securing a final expense policy gave them peace of mind. Mrs. [Example Name], for instance, told me she felt a weight lifted off her shoulders knowing her children wouldn’t have to bear that burden.”

Handle Initial Objections:

If they say they’re not interested:

“I completely understand this might not seem urgent now, but securing this now can lock in lower rates, and you’re ensuring that your rates won’t increase as you get older or if your health changes. Plus, isn’t it better to plan while we can take our time to make the best decision?”

Present the Offer:

“We have a few options tailored for different needs and budgets. Our [Policy Name] provides [brief benefits: like coverage amount, no medical exam, etc.]. Would you like to hear more about how this can be tailored to your specific situation?”

Call to Action:

“Let’s make sure your wishes are honored without leaving a financial strain. Can we schedule a time, perhaps [suggest a day and time], for a detailed discussion where we can go through the options together? Or would another time be better for you?”

Closing:

“Thank you for considering this, [Prospect’s Name]. It’s a step towards securing your legacy and protecting those you love. I’ll send you an email with my contact information. Feel free to call me back at this number if you have any questions in the meantime.”

Follow-Up Promise:

“If I don’t hear back by [Suggest a follow-up date], I’ll give you a quick call to see if you have any more questions or if you’ve decided on a good time for us to discuss this further.”

End on a Warm Note:

“Take care, [Prospect’s Name], and remember, this is about giving you peace of mind and your family one less thing to worry about. Have a wonderful day!

Life Insurance Script 2025

Introduction:

“Hello, my name is [Your Name], and I’m calling from [Your Insurance Company]. How has your day been going so far?”

Rapport Building:

“Great to hear! You know, I always find that talking to people from [Caller’s Region or City] brightens my day. What do you like most about living there?”

Transition to Purpose:

“The reason for my call today is something I believe is very important for the security of your loved ones. May I ask if you’ve ever thought about life insurance, or if you have a policy already?”

If They Have a Policy:

“That’s fantastic! It’s always good to hear when someone’s ahead of the game. Out of curiosity, what prompted you to get your current policy?”

If They Don’t Have One:

“I see, well, it’s something many of us put off until we realize how crucial it can be. Life insurance isn’t just about the person who’s insured; it’s really about protecting those we care about from financial stress during an already challenging time.”

Educational Segment:

“Let me share a quick story with you. I recently worked with a family where the policyholder had passed away. Thanks to his foresight in getting life insurance, his family was able to cover funeral expenses, settle debts, and even had enough left over to support his children’s education. It truly turned a tragic time into a manageable one financially.”

Emphasize the Benefits:

“Life insurance can be the difference between your family struggling to make ends meet or being able to grieve without the added pressure of financial burdens. It can cover everything from daily living expenses, mortgage, to future educational costs for children.”

Personalize and Probe for Interest:

“Do you have any specific goals or concerns for your family’s future that you’d like to ensure are protected?”

Present the Offer:

“At [Your Insurance Company], we offer customizable life insurance policies that can fit various needs. For example, our [Policy Name] provides [briefly mention benefits: like flexibility in coverage, options for term or whole life, etc.]. Would you be interested in finding out how this could work for you?”

Overcoming Hesitations:

If they’re hesitant:

“I completely understand, it’s a big decision. How about we just look at some numbers? There’s no obligation, and it might give you a clearer picture to consider or discuss with your family.”

Call to Action:

“Why don’t we set up a time to go over the details more thoroughly? I can send you some information by email, and we can discuss it at your convenience. How does [Suggest a day and time] sound for you?”

Closing:

“Thank you for taking the time to chat with me today, [Customer’s Name]. I’m here to ensure you have all the information you need to make the best decision for your family. Let’s keep in touch, and I’ll look forward to speaking with you soon.”

Follow-Up Assurance:

“I’ll send over that email right now. If anything comes to mind or if you have any questions, feel free to reach out. Otherwise, I’ll give you a call on [agreed day] at [agreed time].”

End on a Warm Note:

“Thanks again, [Customer’s Name], and take care. Here’s to providing peace of mind for you and your loved ones. Have a great rest of your day!”