HANDLING OBJECTIONS
Use this as rebuttals to objections or as new information in
LEAFINC
I don’t have money
No money? Mr. Prospect, you don’t want that to be permanent,
do you?
When you say “no money” to me, there is still hope. When your
widow says “no money” it will be hopeless
I don’t have the budget for it
If you’re having a tough time getting by on your salary, how
well do you think your family will get by without it?
Life insurance isn’t an added obligation; it’s the best means of
meeting the obligations that you already have
If you would find it hard to get by without a paycheck for a
month, what about the hardship if it stops during retirement?
Bills don’t stop when the paycheck does
I don’t believe in life insurance
You may not believe in life insurance but I’m sure you believe
in providing the best for your family
It’s only life insurance if you die but if you live it’s savings.
I sell money; I’ve got something that guarantees your family
will continue to receive your paycheck in the event that you are
no longer around to receive it yourself
Life insurance is really nothing but money. You may think that
you don’t believe in getting insurance, but can you say you
don’t believe in getting money?
You don’t buy life insurance; you buy an education for the kids,
a lifetime income for the spouse, a pension for the old person
you become, you buy peace of mind, happiness and
contentment when you buy life insurance
I don’t need life insurance
You would give your life for your children, so why not insure it
for them?
If you have a machine that turned out money, you’d insure it,
wouldn’t you? Well as far as your family is concerned, you are
such a machine!
You can say, “I don’t need it”, but can you say, “My family
won’t need it?”
A monthly income of Php 50,000 to a widow or widower is
worth more than Php 100,000 a month to a husband or wife.
The most valuable asset that a person can leave his or her
children is their parent’s time.
Do you carry a spare tire on your car?
Maybe next month/year
You say “come back next month”, whom should I ask for if
you’re not here next month?
Procrastination is worse than inflation
If you’d started this plan 10 years ago, wouldn’t you be better
off today?
More good things are caused by indecision than by the wrong
decision
We can’t change the past, but certainly we can change the
future if you take care of the present
I’m young and healthy, I won’t die anytime soon. I don’t need
life insurance
The best time to get insured is when you still don’t have need
for it.
If you knew needed life insurance, you couldn’t get it
Life insurance won’t keep people from dying, but it will keep
their plans from dying with them
The longer people go without life insurance, the less chance
they have of getting it, and the more it cost them
When people reach 70, they are either glad that they bought
life insurance or are sorry that they didn’t more
I already have an existing life insurance policy
I have never met a widowed person who said that his or her
spouse had too much life insurance
If you wouldn’t like to live the rest of your life on the sum
assured of your present insurance, why do you expect your wife
to?
To be underinsured is the greatest gamble you can take, and
it’s a particularly tragic one. For if you lose, it’s not you but
your family who pays
To answer a prospect who claims that his P 1,000,000 will
provide a lot of “dough”, you might say, “that is a lot of dough”
and spell “dough” on a piece of paper. Then say, “the ‘d’ stands
for doctor; the ‘u’ stands for the undertake; the ‘g’ is for
general expenses; and the ‘h’ is for hospital.” When the
prospect inquires what the “o” stands for, you can answer,
“that, my friend, stands for the sum on which your family will
have to live”
Retirement is too far away for me to worry
If someone were to agree to send you a P 100,000 payment
each month after the age of 60, would you be willing to pay the
delivery fees out in advance?
If you save as much in the next 20 years as you’ve saved in the
past 20, would it be enough to take care of you for the rest of
your life?
Can you think of a finer asset at 65 than an income you cannot
outlive?
It isn’t easy to be old and poor, but it’s a great deal worst to be
both
Why don’t you arrange your affair so that working after age 60
is optional?
As people get older, you always hear them say “I should’ve
started when I was younger”
The difference between an old person and an elderly gentleman
is an empty pocket
Are you working for money? Or is money working for you?
I have a lot of school related expenses
Your child may have a “right” to a good education, but it’s
going to take money to exercise that right
Yes, college cost money, but what about the cost of no money?
Let me ask my wife/husband
Whatever reason you have for not starting this plan now will
only sound ridiculous to your spouse after death
Could a husband write a more sincere love letter than an
application for life insurance?
Spouses may not believe in life insurance but widows and
widowers do
I already have a lot of assets that my family can live off of when
I pass away
The more you are worth, the more your dependents stand to
lose. The less you are worth, the less you can afford to lose
Life insurance is the only way to fund your will before you make
your money
You cheerfully spend a considerable amount of money each
year to insure your home and car. Why don’t you invest half of
the amount to guarantee your family’s well-being?
Do you agree that your current investments need time to grow?
Life insurance is the only investment that does not need time
Life Insurance is the only self-completing asset. It creates
money when you are no longer there to see your plans through
My wife/husband can still provide even if I die
A widow is as unprepared to live as his or her spouse is
financially unprepared to die
Of course your spouse could go to work, but your children are
young. The greatest gift you can leave your children is the
individual love and attention that they can only get from a
single parent who isn’t burdened by having to work full time.
The only thing worse than losing a parent is inheriting a part-
time parent
