FEX TELESALES SCRIPT

INTRO

Hi <contact.name>, God Bless You! How are you today?

Great, this is <your name> calling on a recorded line and I’m the licensed Benefits Specialist calling about your request for the new state regulated insurance here in <contact.state>

I’m the licensed underwriter assigned to your case and just need to confirm your information here ..

I have <beneficiary name> as your beneficiary ?

And you put <favorite_hobby> as your favorite hobby, Correct?

Awesome, thank you for verifying that information!

Since COVID, we’ve been authorized to do everything over-the-phone so this process should only take about 10-minutes to go over your benefits.

If you can start by grabbing a pen and paper, so you can write this information down.

GET CREDIBILITY

First, you can write down my personal information:

My name is <your name> and my state license number is <#######>

With that number you can go to the department of insurance website, type that in, and you'll find me.

Also, <contact.name> you get text messages, right?

Sweet! I'm about to send you my <verified.agent.website> so you can see who you're speaking with and view my licenses.

<SEND AGENT VERIFIED PAGE or BUSINESS CARD>

EXPLAIN THE PROCESS & TRANSITION

Now the way this works is very simple .. I’m on the underwriting side of things so I’ll ask you a few medical questions and that will give me a good idea on which companies will approve you.

These insurance companies check the MIB (medical bureau) and they'll see and prescriptions or surgeries so be as truthful as possible.

Afterwards, the system shows me your offers, and we'll talk about the company with the best benefits .. Sound good?

FIND WHY

Awesome, now most people typically fill these requests in for one of 3 reasons.

1- You feel like you're overpaying on current coverage

2- You don't have the right type or enough coverage

3- You need to get something in place for your family

Which one is it for you? (pause let them answer)

Ok, as of right now, if God forbid something happened, who’s handling your funeral?

Are they local? Or would they have to take some time off work to travel with the family?

Do you know if you plan on being buried or cremated?

<MEDICAL QUESTIONS - PULL UP INSURANCE TOOLKIT>

In the past 5 years have you had a heart attack, stroke, or any form of cancer?

<Enter condition and medications into insurance toolkit>

- Are you a Smoker? Y/N (if so, COPD?)

- Are you Diabetic?

--if YES, insulin or pill?

--any tingling in the hands or feet with diabetic neuropathy?

- Any memory medications for alzheimers or dementia?

-No HIV or AIDS?

- Rough estimate of height/weight?

- You aren't in a wheelchair or walker 100% of the time, right?

Give the system about 30 seconds to load your offers ..

While we are waiting on that to load, let me explain the type of coverage and benefits you get with these plans ..

Whole Life Policy

This is just like it sounds, this is permanent coverage that lasts your whole life.

The nice thing about these policies is that the premiums will always remain the same and it's a guaranteed to payout a tax-free check to your loved ones.

Another reason these plans are so popular is because they build cash value! That means if you need to pull money out down the road, you'll have access to your cash value. Does that make sense?

Great! It looks like your offers are coming in and based on the medications you gave me it looks like <insurance company name> is showing the best available rates

On your notes, grab your pen and go ahead and right down these 3 options down:

- Coverage Plan 1

- Coverage Plan 2

- Coverage Plan 3

Also, write down the name of the <insurance company>

(pause) the thing I love about them is that they are A-rated, been around over 100 years, and simply offer you the best available rates!

Now, next to (coverage Plan 1) write down (Price).

Plan 1 is for people who want to cover more than just the funeral. Estate taxes, a mortgage payments, or any other debts.

Next to (coverage Plan 2) write down (Price).

Plan 2 is for people wanting to cover 100% of their funeral expenses.

Next to (coverage Plan 3) write down (Price).

Plan 3 is for people wanting to leave a large portion of all the funeral expenses that are due immediately.

CLOSING - PULL UP eAPP

<contact.name>, now this is a peace of mind thing so that number you just wrote down doesn't need to stress you out at all with your monthly budget.

Which one of these plans is sticking out to you? (pause, let them answer)

Great! Now, we cannot take any money today, we are simply going to complete the enrollment application to see if you qualify.

Can you grab your drivers license while I pull up the application portal ..