Hey [First Name], this is [Your Name] reaching out — did I catch you at a bad time? [Wait for response] The reason for my call — I work with families in [State] helping them get life insurance coverage, a lot of times at no cost to them through their employer benefits they're not taking advantage of. I just had a quick question for you — Do you currently have any life insurance in place, or is that something that's kind of been on the back burner? [Listen — this is where they tell you everything]

Hey [Name]! It's [Your Name] — how are things going? [Catch up briefly — don't skip this, it matters] Hey so I wanted to reach out because I just started doing something I'm really excited about. I'm helping families protect their income and make sure their loved ones are taken care of if something happened to them — through life insurance. I'm not trying to sell you anything — I just wanted to ask a quick question. Do you know if you have enough life insurance coverage right now, or is that something you guys haven't really looked at? [This usually opens a real conversation]

I completely understand — and I want to respect that. Can I ask you something though? When you say you want to think about it — what specifically is it that you're weighing? Is it the cost, or is it more about whether now is the right time? [Let them answer — they'll tell you the real objection] I ask because a lot of times when someone says they want to think about it, there's usually one specific thing that's holding them back. And if I can address that today, we can move forward — and if I can't, then absolutely take the time you need. So what's the main thing on your mind?

I hear you — and I want to be honest with you. Most people tell me that before we look at the numbers together. Let me ask you this — if protecting your family cost about the same as one dinner out a month, would that be something worth looking at? [Usually yes] Here's what I want to show you. For most healthy people your age, we can get a solid policy in place for $30 to $60 a month. That's less than a dollar fifty a day. The question isn't really whether you can afford it — it's whether your family can afford for you NOT to have it. Does that make sense?

That's great — and that's actually a really common situation. Can I ask you a quick question about that? Do you know how much coverage you have through work? [They usually don't know the exact amount] Most employer plans give you one to two times your salary — so if you make $60,000, you'd have $60,000 to $120,000 in coverage. Financial advisors recommend 10 to 12 times your income. And here's the other thing — that coverage disappears the moment you leave that job. Voluntarily or not. What we do is set up coverage that's yours — portable, permanent, and locked in at today's rates while you're young and healthy. Does it make sense to at least see what that would look like?

Okay so based on everything you've told me — your age, health, and what you want to leave behind for [spouse/kids/family] — I'd recommend the [plan name] at $[amount] a month. That gets you [benefit amount] in coverage, and [key benefit]. Does [first or fifteenth] work better for your billing date? [Move straight to paperwork — do not ask "do you want to move forward"]

Hey [First Name], this is [Your Name] — I'm calling about a time-sensitive matter regarding your family's financial protection in [State]. Please give me a call back at [number] when you get a moment. Again that's [number]. Thank you.

[First Name], I'm really glad we were able to get this taken care of for you and your family today. I want to ask you something — and be honest with me. Do you feel like I took good care of you today? [They say yes] I appreciate that. Here's why I ask — the only way I grow my business is through referrals from people like you. I don't do cold calling as much as I used to. Who's one person in your life — a family member, a coworker, a close friend — who you think could use the same peace of mind you have right now? I'm not going to pressure them — I'll just have the same conversation with them I had with you. Fair?