Time Objections
"I'm at work - call be back later?"
"I completely understand I have caught you at a bad time. Since you are at work I will make this quick - I just need to ..."
"I'm sick right now - call be back in a week"
"I'm sorry to hear you're not feeling well. I will make this a very quick call so you can get back to resting up soon. Could I..."
"I don't have the funds right now - I'll call when I do"
"Thank you for sharing your financial situation with me. I completely understand and would love to present to you all of our options, and I do assure you that your policy is still fully active..."
"How do I know this is CD/SC?"
"I completely understand your concerns. I can brief over all areas of your policy including your beneficiaries, address etc. I just need to authenticate you first for your safety and security, could you..."
"Don't call me / stop calling me"
"I hear you and I definitely don't want to be a bother. I can give you the quick update on your life insurance policy payments and then close the file so you don't get more calls..."
"Can you call me later?"
“I understand you'd prefer a call back / I understand I've caught you at a bad time. I assure you this is a quick call about your policy payments and the options available to you, I’ll make sure to speed things up for you…"
"I can't handle this right now"
"I completely understand. You've got a lot going on and I don't want to add to your stress. I will make this very quick and I promise to work with you..."
"I have other financial priorities"
"Of course I completely understand - there's always a lot to juggle these days. I assure you this call is in regards to the options available to you and we'll work together to keep everything in line with your other financial obligations..."
"I'm not confirming anything over the phone"
"I completely understand - you're right to be cautious and I commend you for that. Your safety and security is our top priority and so we never go into account details unless we confirm we're speaking to the right person - it's purely a security step..."
"I don't have a life insurance policy with SC/CD"
"I completely understand - it can be surprising to get a call about a policy you don't recall. There is an active policy in your name - no worries, I can quickly verify the details I have on file, that way we can clear this up together..."
"I don't have time for this"
"I completely understand you're currently busy and this may not be a suitable time. I promise to make this a quick call to go over the important options regarding your policy payments. Could I..."
"I'm driving - call me back?"
"I apologize I've caught you while you're driving/ I would love to quickly go over all of our options and I assure you that this is a hands-free call..."
"I'll have money on the 29th, call be back?"
"Thank you for sharing that with me. I can definitely keep that in mind and we can set up your policy as best as possible for you..."
"You have all of that information - read it to me"
"We most definitely have all of your information. I would be more than happy to share that with you, however, in order for me to continue to prioritize your safety and security I do have to authenticate you before I disclose that private information..."
"I don't want to purchase a new policy / I don't want to make changes to my existing policy - thank you"
"That's great news that you are happy with your policy and how it works! I am calling about your existing policy and the options available to you. To go in more detail..."
"I'm heading into a meeting - call me after"
"I completely understand this is not the best time. I promise to make this a quick call so you're on time for that meeting. Could I..."
"I'm babysitting my grandchildren - call me back"
"I understand - that can be a handful. I can make this quick so you can get back to what's important..."
"I know why you're calling, I don't have money just cancel it"
"I completely understand there are some financial constraints at this time. I assure you your policy is still active, I'd love to take a look at the payment options and if cancellation is best we can do that together. Could I..."
"I'd rather call in"
"I totally understand - some clients feel more comfortable calling in directly. The good news is I'm here right now to help and would be happy to go over everything with you..."
"Call my Spouse/Child - they handle everything"
"I totally understand you wish to have your Spouse/Child involved. For privacy and security reasons, I'm only allowed to contact directly to the policyholder. What I can do is walk you through the reason for my call now, and you're more than welcome to loop your Spouse/Child in on your end..."
"My Spouse/Child is at work can you call me back when they're home?"
"I totally understand you wish to have your Spouse/Child involved. What I can do is walk you through the reason for my call now, and you're more than welcome to loop your Spouse/Child in on your end..."
"I'm in public - call me later"
"I completely understand I've caught you at a bad time and you wish to protect your privacy. I assure you this is a quick call and I can make sure to focus on the options available..."
"This happens every month and I get charged an NSF each time, I need to go to the bank and deal with this"
"I'm so sorry to hear this has not been a smooth journey for you. You're more than welcome to visit the bank, in order to make the trip worth your while let's take a look together at the options and how we can better set up your policy for you. Could I..."
"Email me / send me an email"
"I'd be happy to send you an email. Our main point of contact is via phone, in order for me to action that email I would have to confirm the details on file and the contents of the email. Could I..."
"I never received my paperwork - I'm not doing anything until then"
"I completely understand - I know how important it is to have that information in hand. I'd love to make sure I have the correct information on file for us to action a redelivery..."