Term life
Affordable protection for a set period (10, 20 or 30 years). A great first sale for young families.
Carriers
- Banner Life
- Corebridge
- John Hancock
- Nationwide
- North American
- Prudential
- Symetra
- Transamerica
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Carrier lists change. Confirm in the WFG platform.
Whole life & final expense
Lifelong coverage, level premiums, cash value. Final expense is a small whole life policy for burial costs, often simplified issue.
Carriers
- Everest/IA American
- Gerber Life
- Nationwide
- Transamerica
Universal life (UL)
Flexible premiums and death benefit; cash value earns a declared rate.
Carriers
- American General
- Nationwide
- North American
- Pacific Life
- Protective
- Prudential
Indexed UL (IUL)
Cash value credited based on a market index, with a floor and a cap.
Carriers
- Allianz
- American General
- Nationwide
- North American
- Pacific Life
- Prudential
- Symetra
- Transamerica
Annuities (fixed, fixed-indexed)
Retirement savings and guaranteed income.
Carriers
- Allianz
- Athene
- Corebridge
- F&G
- Global Atlantic
- Nationwide
- North American
Note: variable products need a securities license.
Long-term care & disability income
Long-term care
- State Life
- Securian
Disability income
- Assurity
- Lloyd's
- Mutual of Omaha
- Principal
Start warm, ask for feedback.
Opener 1
Hey! I just started helping families make sure they're protected, piece by piece. Can I practice my review on you? No pressure, I'd just love your honest feedback.
Opener 2
Do you know what your coverage at work actually pays, and what happens to it if you change jobs?
One line that makes them lean in.
Hook 1
Most families are one paycheck away from a hard conversation.
Hook 2
Term for a young family often costs less than a streaming bundle. Let's see your real number.
Hook 3
Your coverage through work usually stays with the job, not with you.
Ask, then listen.
Question 1
If something happened to you tomorrow, who would feel it first?
Question 2
What would you want your family to be able to keep: the house, school, their routine?
What they say, what you say.
Objection
“I need to think about it”
Reply
Totally. What part do you want to think through? I can send it in writing.
Objection
“Too expensive”
Reply
Let's find a number that fits. Some coverage beats none, and we can build piece by piece.
Objection
“I have it through work”
Reply
Great start! Let's see if it's enough and if it follows you.
Ask for the application, then stay in touch.
Close
Based on what you told me, this covers [goal] for about $X a month. Want to get the application started so you're protected?
Follow-up
- Text within 24 hours.
- Send a thank-you note.
- Review every year and at life events (baby, house, marriage).
Rules you never bend.
Rules
- Be licensed and appointed before soliciting.
- Never misrepresent or compare unfairly (twisting, misrepresentation).
- Explain replacement forms if replacing a policy.
- Honor the free look.
- Keep client info private.
Settings
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