Questions You Get from Prospects...

davidp711

Super Genius
100+ Post Club
210
Florida
I just got off the phone with a prospect that wanted a life insurance policy. I am new to the business, and was thinking of all the different questions people ask while on the phone, or sitting at the appointment. And I was wondering what kinds of questions have you guys gotten on the phone or at appointments from prospects about life insurance?

I will add one, and an answer:
"What is Whole Life Insurance?"Whole life insurance provides protection as well as a cash value. The premiums remain at a fixed level for the duration of the contract. Over time, the policy generally builds up cash value on a tax-deferred basis. Many companies pay policyholders a dividend. Dividends provide both flexibility and increased value to your life insurance policy. They can add more coverage to your overall insurance benefit and can build sizable cash value.
You may prefer this type of coverage since the cash value can benefit you while you're still alive. You can use it to supplement retirement funds or help provide for a child's education - it's your money to use as you need. You should, however, keep in mind that life insurance should not be purchased solely for accumulation. Its primary purpose is protection. Also, withdrawals and/or loans will decrease the death benefit.
 
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My favorite:

Me: "Mr. Jones, I have great news. It looks like I have received an offer for a standard policy with only 2 table ratings."

Mr. Jones: "Why did I get rated 2 tables? I didn't need that damn lung anyway."

I have to say I almost fell out of my chair......LOL
 
I've had several variations of this one but my favorite is "Why don't I qualify for preferred rates? Other than the cancer last year I'm really healthy!"

:nah:

I love the I'm really healthy all I've had wrong is: (My last phone call on friday, I took it as a sign to stop making calls)
1. Smoker
2. High chol meds (but it's under control)
3. I've got some back pain I take vicodin for...but I'm not gonna have any surgery or anything
4. Some surgery last year (cant remember as I had stopped writing at this point)

It's like someone selling a car "Oh these tires are great just got them 40,000 miles ago. I find it comical how healthy people can think they are I guess Healthy has a different definition depending on how you live.

Who knows maybe all their family members died from cancer...they survived therefore they are incredibly healthy!!
 
Last week I had one. Wife asking about coverage for husband.
Takes insulin for diabetes but no other problems at all.
When I asked if he had been in the hospital within the last two years... Yes three weeks ago he had two toes amputated.
 
Wow 99% of you guys are pretty lucky in that nobody asks you any questions other than ones that let you know right from the beginning whether they qualify or not. Sounds like you get a good laugh at least.

I had someone ask me if I sell in other states. I said yes, especially when the police chase me out of Florida. He laughed and I think a little comedy took his guard down.
 
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