Intro Flashcards
Intro 1st 30 seconds
H [CN]? T i J? W M A G? (D A A Q) H A Y? (I C I R W T K)
R Q, W a a w-r i A (C) H i C (D a S)
A t R f t c t i t (M I)
Y s a r f a L I p-q o F t o d (o a l b a) (D a A Q). T a s-a a l i (C)? I l j s a g $43 a M (U S), i j a f m (R M)
I t f y o a l o? (I C, I R w t k) Y a s o n-s? (I C, I R w t k)
<W f c/o>
Hi [CLIENT NAME]? This is Joe? With McCloskey Advisor Group? (Declarative As A Question) How Are You? (I Care I Really Want To Know)
Real Quick, We are a well-respected insurance Agency (Certainty) Here in Colorado (Declarative as State)
And the Reason for the call today is that (Mystery Intrigue)
You submitted a request for a Life Insurance price-quote on Facebook the other day (or a little bit ago) (Declarative as A Question). Talking about state-approved affordable life insurance (Certainty)? I literally just saved a guy $43 a MONTH (Utter Sincerity), it’s just a few minutes (Reasonable Man)
Is this for yourself or a loved one? (I Care, I Really want to know) You a smoker or non-smoker? (I Care, I Really want to know)
<WAIT for confirmation/objection>
2nd 30 Second
P! I m J t d t q o t p a t f e p (I C, I f y p)
O G R Q (C)
I s h t y w y [R] t b y b. (D a a s). W is t n? (I C, I r w t k)
Perfect! It’s my JOB to deliver this quote over the phone about the final expense programs (I Care, I feel your pain)
Okay Great Real Quick (Certainty)
It says here that you want your [Relationship] to be your beneficiary. (Declarative as a statement). What is their name? (I Care, I really want to know)
I already have coverage.
I c u; I w b s i y d! A I n a y t m a c. M p I s w a h a p; h, t f t i r v!!
- I already have coverage… “I completely understand; I would be surprised if you didn’t! And I’m not asking you to make any changes. Most people I speak with already have a policy; however, they find this information really valuable!!
I’m busy/don’t have time…
I u; I a b, t! M j i t g y a t i o t i t s a o t p s t y c d o y o t w y r!
- I’m busy/don’t have time…I understand; I am busy, too! My job is to get you all the information on this in the shortest amount of time possible so that you can decide on your own time whenever you’re ready!
I’m not interested…I t u. I j m j t g y a o t i q s y c d w y r.
- I’m not interested…I totally understand. It’s just my job to get you all of this information quickly so you can decide whenever you’re ready.
- I don’t remember… I u, i m f I h g b t y s! W h o r i y a, a i b a i f m t f u w e.
- I don’t remember… I understand, it’s my fault I haven’t gotten back to you sooner! We’ve had an overwhelming response in your area, and it’s been almost impossible for me to follow up with everyone.
- Person Hanging Up… <i> G, t e w I c! S o t l! I j s a g $43 a M, l m d t f y a, i j a f m. A y a s o n-s</i>
- Person Hanging Up… <Interrupt> GEAT, that’s exactly why I’m calling! Stay on the line! I just saved a guy $43 a MONTH, let me do that for you as, it’s just a few minutes. Are you a smoker or non-smoker</Interrupt>
- All Other Objection… Y, n p. I o n a f m to g y t p y w; w y d w t i t u t y. I w t t s y a. S, h l h y b l?
- W, w, i t a s r w y d h s i p?
- All Other Objection… Yeah, no problem. I only need a few minutes to get you the price you wanted; what you do with that is totally up to you. I won’t try to sell you anything. So, how long have you been looking?
- Wow, well, is there any specific reason why you don’t have something in place?
Question About Beneficiary
H d y p [B] w u t m? H d y w t l i p t b u?
(I C I R W t K)
T m [C N] (C) w i l l i y d h c f [B] (I c I R W T K). [C N] (C) I c t b y s a y f t y g (M, D, o G) (U S) A y (I c I R W T K)? B t a a l o d [C N] w t a d t a m t f g. (C). B y s l s w g t d (U S), A’t y? (R M)
How do you plan [Beneficiary] will use that money? How do you want the life insurance plan to be used?
(I Care I Really Want to Know)
Tell me [CLIENT NAME] (Certainty) what it looks like if you don’t have coverage for [Beneficiary] (I care I Really Want To Know). [CLIENT NAME] (Certainty) I can tell by your speaking about your family that you’re good (Mom, Dad, or Grandparent) (Utter Sincerity) Aren’t you (I care I Really Want To Know)? Because there are a lot of dads [CLIENTS NAME] who think about doing this and making themselves feel good. (Certainty). But you seem like someone who gets things done (Utter Sincerity), Aren’t you? (Reasonable Man)
1s 10 before health insurance
[C N] T f e p g t s, a, p (M I) W L i p r b t S o [C S] (C). T a d f f w l o a l o f i e m, l s s, d, a e o d v. (I C I F Y P) A [C N], t a n y b, e p. (U S) T a j s y a p t a p a w n c. (R M)
[Client Name] These final expense plans go through small, affordable, permanent (Mystery Intrigue) Whole Life insurance policies regulated by the State of [Client’s State] (Certainty). They are designed for folks who live on a limited or fixed income each month, like social security, disability, and even our disabled vets. (I Care I Feel Your Pain) And [Client Name], these are not your big, expensive plans. (Utter Sincerity) These are just small yet affordable plans that are permanent and will never change. (Reasonable Man)
Transition and health question
N, i o f m t f o w y q f (C), I n t a y a f q a y h (U S). A y o w t? (R M)
(U A L/T I C, I r w t k)
1. H/W P (i y d a)
2. A y a s or n s?
3. L D, C, E, A, O, or I?
4. D, I, K I, D, o E h C?
5. C, H, H A, B, S, P?
6. A, C H F?
7. S, s, L, M S?
8. P’s, L G, D B?
9. S, A D?
10. A h o i t p t y?
11. D A? S o N U i t l t y?
12. H y f a p f N i t p t y?
13. A RX’s
Now, in order for me to find out what you qualify for (Certainty), I need to ask you a few questions about your health (Utter Sincerity). Are you okay with that? (Reasonable Man)
(Use Active Listening/Tonality is I Care, I really want to know)
1. Height/Weight Please (if you didn’t already)
2. Are you a smoker or non smoker?
3. Lung Disease, COPD, Emphysema, Asthma, Oxygen, or Inhalers?
4. Diabetic, Insulin, Kidney Insufficiency, Dialysis, or Ever had Cancer?
5. Cirrhosis, Hepatitis, Heart Attack, Bypass, Stents, Pacemaker?
6. Angina, Congestive Heart Failure?
7. Seizures, strokes, Lupus, Multiple Sclerosis?
8. Parkinson’s, Lou Gehrig’s, Depression Bipolar?
9. Schizophrenia, Alzheimer’s Dementia?
10. Any hospitalizations overnight in the past two years?
11. Drug Abuse? Suboxone or Narcan USE in the last two years?
12. Have you filled a prescription for Nitro’s in the past two years?
13. Ask RX’s <from memory if they are traveling otherwise, get a list/bottle, but do not spend too much time on this if it’s going to lose the call>
Questions Part 2
[C N] E I w w i o a f i (C) <w> S f m t m i e f y, (US) c t m w r t s s i (R M)
(U A Lg/T i I C, I r w t k)
1. “O, s h m c a y l t g?”
2. W t b t o p, o d y a h a p i p?
a. A y l t a o r t p?
3. S c t c p m, o d n, s d y h a v U b a?</w>
<C>
B t w,
I j s y t l t m p i (R M). C o t (C) s y c m s y g i. (U S) <c> “H t! D y s m l f? I’s r g t m y, n y c s m, r? <w>
</w></c></C>
[CLIENT NAME] Everyone I work with is on a fixed income (Certainty) <wait> So for me to make it easier for you, (Utter Sincerity) could tell me what range to start shopping in (Reasonable Man)
(Use Active Listening/Tonality is I Care, I really want to know)
1. “Okay, so how much coverage are you looking to get?”
2. Will this be the only policy, or do you already have a plan in place?
a. Are you looking to add or replace the policy?
3. Some carriers take certain payment methods, others do not, so do you have a valid US bank account?</wait>
<Crankwheel>
By the way,
I just sent you the link to my personal info (Reasonable Man). Click on that (Certainty) so you can make sure you got it. (Utter Sincerity) <confirm> “Hi there! Do you see my lovely face? It’s really good to meet you, now you can see me, right? <wait>
</wait></confirm></Crankwheel>
Presentation Part 1
[C N] O i b (M I) H b i b f o a d (C). W w w m i c (U S) a h a b a d u o t i p. (B E)
A B o e y j s t m, (C) I g a p t a p f f y (U S). T c w r i c [C N] (B E)
F B or T F C
i a s c l i O (C). W o $640,000,000 (U S). S, y c r a t w h e m t p y c (R M)i a n-f-p t s i 1874. I i o a h y o (C) F, a i h 12.8 b i a (U S). S, y c r a t h e m t p y c. (R M) i a m-n c (C). W o $393 b i a (U S) S y c r a t h e m t p y c (R M)
[C], w t p (C), y r w n g u, n m w h t y h o h l y h t p (U S). A, t c c n c t p (I C, I F Y P). I y s c o y p s (R M), i w s w y y w l. M p N g u (I C, I F Y P), a t i w y w (Ps/O) r? (I c, I r w t k)
[Client Name] Our insurance brokerage (Mystery Intrigue) Has been in business for over a decade (Certainty). We work with multiple insurance companies (Utter Sincerity) and have a broad and deep understanding of their insurance products. (Bottle Enthusiasm)
And Based on everything you just said to me, (Certainty) I got a plan that’s a perfect fit for you (Utter Sincerity). The company we recommend is called [Company Name] (Bottle Enthusiasm)
Family Benefit or Trinity Foresters Corbridge
is a small company located in Oklahoma (Certainty). Worth over $640,000,000 (Utter Sincerity). So, you can rest assured they will have enough money to pay your claims (Reasonable Man) is a not-for-profit that started in 1874. It is over a hundred years old (Certainty) Foresters, and it has 12.8 billion in assets (Utter Sincerity). So, you can rest assured they have enough money to pay your claims. (Reasonable Man) is a multi-national company (Certainty). Worth over $393 billion in assets (Utter Sincerity) So you can rest assured they have enough money to pay your claim (Reasonable Man)
[Client’s Name], with these plans (Certainty), your rates will never go up, no matter what happens to your health or how long you have the plan (Utter Sincerity). Also, the company can never cancel these plans (I Care, I Feel Your Pain). If you stay current on your payment schedule (Reasonable Man), it will stay with you your whole life. Monthly payment Never goes up (I Care, I Feel Your Pain), and that is what you want (Pre-supposed/Obviously) right? (I care, I really want to know)
Presentation Part one
[C N] O i b (M I) H b i b f o a d (C). W w w m i c (U S) a h a b a d u o t i p. (B E)
A B o e y j s t m, (C) I g a p t a p f f y (U S). T c w r i c [C N] (B E)
[Client Name] Our insurance brokerage (Mystery Intrigue) Has been in business for over a decade (Certainty). We work with multiple insurance companies (Utter Sincerity) and have a broad and deep understanding of their insurance products. (Bottle Enthusiasm)
And Based on everything you just said to me, (Certainty) I got a plan that’s a perfect fit for you (Utter Sincerity). The company we recommend is called [Company Name] (Bottle Enthusiasm)
Presentation 1st 10
F B i a s c l i O (C). W o $640,000,000 (U S). S, y c r a t w h e m t p y c (R M)
F i a n-f-p t s i 1874. I i o a h y o (C) F, a i h 12.8 b i a (U S). S, y c r a t h e m t p y c. (R M)
C i a m-n c (C). W o $393 b i a (U S) S y c r a t h e m t p y c (R M)
[C N], w t p (C), y r w n g u, n m w h t y h o h l y h t p (U S). A, t c c n c t p (I C, I F Y P). I y s c o y p t s (R M), i w s w y y w l. M p N g u (I C, I F Y P), a t i w y w (P-s/Oy) r? (I c, I r w t k)
Family Benefit is a small company located in Oklahoma (Certainty). Worth over $640,000,000 (Utter Sincerity). So, you can rest assured they will have enough money to pay your claims (Reasonable Man
Foresters is a not-for-profit that started in 1874. It is over a hundred years old (Certainty) Foresters, and it has 12.8 billion in assets (Utter Sincerity). So, you can rest assured they have enough money to pay your claims. (Reasonable Man)
Corbridge is a multi-national company (Certainty). Worth over $393 billion in assets (Utter Sincerity) So you can rest assured they have enough money to pay your claim (Reasonable Man)
[Client’s Name], with these plans (Certainty), your rates will never go up, no matter what happens to your health or how long you have the plan (Utter Sincerity). Also, the company can never cancel these plans (I Care, I Feel Your Pain). If you stay current on your payment schedule (Reasonable Man), it will stay with you your whole life. Monthly payment Never goes up (I Care, I Feel Your Pain), and that is what you want (Pre-supposed/Obviously) right? (I care, I really want to know)
Presentation Quote
QUOTE/NEGOTIATION (Remember to assume the sale!!)
“O, g! (C) N g a p a a p o p (U S) s I c g o t o t a a f y (R M) ($100+ / $80 / $60 range. And MAX Coverage)
- T f o (M I) y q f i f [A] (I C I F Y P), a t i o [P] p m (Ur S). D y g t (I C I R W T K)
- O, g. L g o t s o (R M), w i f [A], (I C I F Y P), w i o [P] p m. (U S) D y g t? (I C I R W T K)
- A t t o y q f i [A] (C), a t i o [P] p m (U S). D y g t (R M)
- A! (C) A l, t M a o c y q f t i [M C A] (U S), a t i o [P] (R M)
QUOTE/NEGOTIATION (Remember to assume the sale!!)
“Okay, great! (Certainty) Now grab a pen and a piece of paper (Utter Sincerity) so I can go over the options that are available for you (Reasonable Man) ($100+ / $80 / $60 range. And MAX Coverage)
- The first option (Mystery Intrigue) you qualify for is for [Amount] (I Care I Feel Your Pain), and that is only [PRICE] per month (Utter Sincerity). Did you get that? (I Care I Really Want To Know)
- Ok, great. Let’s go over the second option (Reasonable Man), which is for [Amount], (I Care I Feel Your Pain), which is only [Price] per month. (Utter Sincerity) Did you get that? (I Care I Really Want To Know)
- And the third option you qualify for is [Amount] (Certainty), and that is only [Price] per month (Utter Sincerity). Did you get that? (Reasonable Man)
- Awesome! (Certainty) And lastly, the MAXIMUM amount of coverage you qualify for today is [Max Coverage Amount] (Utter Sincerity), and that is only [Price] (Reasonable Man)
Presentation Level & Gi
S, a I d t a, y s q f l 1-d c. (P-S) T m A z w t, n 2-y w. (C) F t d o y f p, y a 100% f c f t w a. (I C, I F Y P)
S, a I d t a, y s q f o o o m p p. (P-S) I y d i t f t y, y f g A y m b P 10%, s i l t b s a y e h. (C) O t f d o t t y, [t b] g t f c a i y d f a r. G F (I C, I F Y P) I a b t h t k o c w y h <H> (U S)</H>
So, after I do the application, you should qualify for level 1st-day coverage. (Pre-Supposed) That means Absolutely zero wait time, no 2-year wait. (Certainty) From the date of your first payment, you are 100% fully covered for the whole amount. (I Care, I Feel Your Pain)
So, after I do the application, you should qualify for one of our most popular plans. (Pre-Supposed) If you die in the first two years, your family gets ALL your money back Plus 10%, so it’s like the best savings account you ever had. (Certainty) On the final day of the two years, [the beneficiary] gets the full coverage amount if you die for any reason. God Forbid (I Care, I Feel Your Pain) It’s a blessing to have this kind of coverage when you have <Health> (Utter Sincerity)</Health>
Presentation Close
N y d h t p a t (I C, I f y p). Y 1 p w c o u y d d (C). W a o a f a t (U S). S, w a w y l t s f a? (R M) (“W o s” u t s. T f o t s l!)
Now you don’t have to pay anything today (I Care, I feel your pain). Your 1st payment won’t come out until your due date (Certainty). We are only applying for approval today (Utter Sincerity). So, which amount would you like to submit for approval? (Reasonable Man) (“Wall of silence” until they speak. The first one to speak loses!)
2nd Loop Part one
2nd Loop If they give an objection, say this…
“I w y s (R M). L m a y a q: d t l i p m s t y? D y l t i o h a p l t f y a [b]? (M A/H t)
E! I i r a g p, b j l m s o o t t b i i a h (A T) (M h t j a h a p-p-l a s i c)
2nd Loop If they give an objection, say this…
“I hear what you’re saying (Reasonable Man). Let me ask you a question: does the life insurance policy make sense to you? Do you like the idea of having a policy like this for you and [beneficiary]? (Money Aside/Hypothetically tone)
Exactly! It is really a good policy, but just let me say one of the true beauties is it also has (Ambivalent Tone) (Match his tone just above him and pace-pace-lead and slowly increasing certainty)
2nd Loop
Family
A b w i y a d w a t i, y c a t r 100% o y d b e. S, y h t m t t [B] o a t i y w
O t o t, i a h
Y c a t y d b e i y a p c i a n h f a u e.
B t i a
I b c v, s i y p i f a10 y a c y p, y g s m b f w y w, s a b a n r, a d p f a n c, o a t.
A benefit where if you are diagnosed with a terminal illness, you can apply to receive 100% of your death benefit early. So, you have the money to take [Beneficiary] on a trip if you want
On top of that, it also has
You can also take your death benefit early if you are permanently confined in a nursing home for any unforeseen expenses.
But then it also
It builds cash value, so if you pay in for after10 years and cancel your policy, you get some money back for whatever you want, such as buying a new refrigerator, a down payment for a new car, or a trip.
2nd Loop Foresters
I y a d w a t i, y c a t r 50% o y d b e. S, y h t m t t [B] o a t i y w
O t o t i a h
F h a b w t D b D i y p a i a a w i a T, A, o B.
B t i a
I y r, I t y F i a n-p. W y g a p f F, y b a m w a t L A, w y c c a w, P o a, a H c d a n e c.
If you are diagnosed with a terminal illness, you can apply to receive 50% of your death benefit early. So, you have the money to take [Beneficiary] on a trip if you want
On top of that it also has
Foresters has a benefit where the Death benefit Doubles if you pass away in an accident while in a Taxi, Airplane, or Bus.
But then it also
If you recall, I told you Foresters is a non-profit. When you get a policy from Foresters, you become a member with access to Law Assure, where you can customize a will, Power of attorney, and Health care directive at no extra cost.
2nd loop Corbridge
I y a d w a t i, y c a t r 50% o y d b e. S, y h t m t t [B] o a t i y w
O t o t, i a h:
C i a b w i y a d w a q C I, y c a t r a p o y D b e a n e c. f a u e.
B t i a (I e m C)
I y p a f a a a a t, e b t t y, y d b w p t t a.
If you are diagnosed with a terminal illness, you can apply to receive 50% of your death benefit early. So, you have the money to take [Beneficiary] on a trip if you want
On top of that, it also has:
Corbridge is a benefit where if you are diagnosed with a qualifying Chronic Illness, you can apply to receive a portion of your Death benefit early at no extra charge. for any unforeseen expenses.
But then it also (Increases even more Certainty)
If you pass away from an accident at any time, even before the two years, your death benefit will pay the total amount.
1st four paragraphs after products
W y p a t t t, t w l o t, i i a p g i f b y a [B]. D y s wt I a s h? (P C) D t m s t y? (I C, I R W t K) E, i r i s t a t a o.
P L t o s, a a i j p i m h
N, [C N], l m a y a q (M I): I I h h y m/d g t b t p, a i c a t e y f f d t t, y p w b s “L m t a i (o t o o)” (M A T), Y b s “W d I s u?”, a I r? (R M)
(I t s n o a n-c, y m c t i a “g m a b” t.) W a s. [C N] Y m t t m t i I h a f m o y g t i p b t p a i r h y f f, y w b s, “H d I s u?” (M t)
When you put all those things together, the whole lot of them, it is a pretty good idea for both you and [Beneficiary]. Do you see what I am saying here? (Peak Certainty) Does that make sense to you? (I Care, I Really Want to Know) Exactly, it really is something to act to act on.
PAUSE Like thinking of something, and an idea just popped into my head
Now, [CLIENT NAME], let me ask you another question (Mystery Intrigue): If I had helped your mom/dad get this before they passed, and it covered all the expenses your family faced during that time, you probably wouldn’t be saying “Let me think about it (or the other objection)”(Money Aside Tone), You’d be saying “Where do I sign up?”, am I right? (Reasonable Man)
( If they say no or are non-committal, you must confront them in a “give me a break” tone.) Wait a second. [CLIENT NAME] You mean to tell me that if I helped a family member of yours get this in place before they passed and it really helped your family financially, you wouldn’t be saying, “How do I sign up?” (Mocking tone)
Last Part of 2nd Loop
E! N t I c u. (C) Y d k m, a I d h t l o a t r w y. (O P-s) S, l m r m. M n i J M, a I o M A G h i C. (C) I p m o m a t g t e m f m c, h t f t t c p, a b a f m c 24/7. (U) S, I n o h t g y i t p t b f y s b a t h y h a y f h e s o t w t m s y g t m o o y p. (I C, I F Y P)
A a f a m a g. M A G s i M o 2012 a h b a f o 12 y. W h c t 300 p r o F a 40 5-star r o g O c k a l u
S [C N], w d y d t: i o g t m a, e i t [m c a] p (R M)
R n,
S a d f t f p w f b [R M]. A s a y m t f p (C), y k y w f b a t c t o y l (U S). S f e? (R M)
Exactly! Now that I can understand. (Certainty) You don’t know me, and I don’t have the luxury of a track record with you. (Obviously Pre-supposing) So, let me reintroduce myself. My name is Joe McCloskey, and I own McCloskey Advisor Group here in Colorado. (Certainty) I pride myself on my ability to go the extra mile for my clients, help their families through the claims process, and be available for my clients 24/7. (Utter Sincerity) See, I’m not only here to guide you into the program that best fits your situation but also to hold your hand and your family’s hands every step of the way to make sure you get the most out of your policy. (I Care, I Feel Your Pain)
And as far as my agency goes. McCloskey Advisor Group started in March of 2012 and has been around for over 12 years. We have close to 300 positive reviews on Facebook and 40 5-star reviews on google Our clients know and love us
So [CLIENT NAME], why don’t you do this: instead of getting the max amount, enroll in the [middle coverage amount] program (Reasonable Man)
Right now,
Set a date for the first payment whenever fits best [Reasonable Man]. As soon as you make the first payment (Certainty), you know you will finally be able to check this off your list (Utter Sincerity). Sound fair enough? (Reasonable Man)
3rd Loop 1st part
O, “I w t t a i” [C N], I h w y s, (I C, I F Y P) b J l m s w y o e, I l t w p s t t a i o I w c y b (U S) t i o g p t t b o t m a u r (I c, I F Y P) N b t d v t t o c - i y c, I k y d. (O/P) T t i (I C, I F Y P), c o o m c b u, (C) a i e t g c u i d l a m o o t o. (U S) I w t e y d l t h t y a [B] (R M).
[C N] L m a y a h q: W t w t c p h h? (I C, I R W T K) Ls s y d t: Y m y 1 p, a i a c o w, t a c o w l, y c y m, a y g a 100% r. (M S A H) H d y l o o a? I m H (I c, I R W t K) N, o c, y d (C)
B w a t s, (C) i h g y w f w y r y [B] o t f s. (U S) Y w h t w a t h t c o o t p. T w n h t h a c p, a b s, o a c w t k f g i d. Y w n l h g n a y. (I C, I F Y P)
Objection, “I want to think about it” [CLIENT NAME], I hear what you’re saying, (I Care, I Feel Your Pain) but Just let me say with years of experience, I’ve learned that when people say they’ll think about it or I will call you back (Utter Sincerity) the idea often gets pushed to the back of their mind and ultimately rejected (I care, I Feel Your Pain) Not because they don’t value this type of coverage - in your case, I know you do. (Obviously/Presupposed) The truth is (I Care, I Feel Your Pain), confronting one’s own mortality can be uncomfortable, (Certainty) and it’s easy to get caught up in daily life and miss out on this opportunity. (Utter Sincerity) I want to ensure you don’t let that happen to you and [Beneficiary] (Reasonable Man).
[CLIENT NAME] Let me ask you an honest question: What’s the worst that can possibly happen here? (I Care, I Really Want To Know) Let’s say you do this: You make your 1st payment, and in a couple of weeks, then a couple of weeks later, you change your mind, and you get an 100% refund. (Money Set Aside Hypothetical) Honestly did you lose out on anything? I mean Honestly (I care, I Really Want to Know) No, of course, you didn’t (Certainty)
But with all that said, (Certainty) imagine how good you will feel when you relieve your [Beneficiary] of their financial stress. (Utter Sincerity) You won’t have to worry about them having to come out of their pockets. They will not have to have a collection plate, a bake sale, or a car wash to keep from going into debt. You will no longer have guilt nagging at you. (I Care, I Feel Your Pain)
3rd Loop
Family Benefit
W $640 m i a, F B (o T) i a r-s c. (C) T w p a t y d b i y f a t i o n n h c. P, y p w g i v, a y t t i i o r a p r i y c a a 10 y (I C I, I F Y P)
Foresters
F: $12.8 b i a, A-r b A.M. B. Y l o’ f a s. (C) I d w a t i, a 50% o y d b e. P, a u b d y d b i y p a i a p t a. Y g f a t L A, i c w, p o a, a h d. (I c, I F Y P)
Corebridge
C: $393 b i a, A-r b A.M. B. Y l o f a s. (C) I d w a t i, a 50% o y d b e. A, C o a C I B, a y t r a p of y d b e i d w a q c. A, i y p a i a a, y f d b w b p, r o t t f. (I c, I F Y P)
Family Benefit
With $640 million in assets, Family Benefit (or Trinity) is a rock-solid choice. (Certainty) They will provide access to your death benefit if you face a terminal illness or need nursing home care. Plus, your policy will grow in value, allowing you to tap into it or receive a partial refund if you cancel after about 10 years (I Care I, I Feel Your Pain)
Foresters
Foresters: $12.8 billion in assets, A-rated by A.M. Best. Your loved ones’ funds are secure. (Certainty) If diagnosed with a terminal illness, access 50% of your death benefit early. Plus, a unique benefit doubles your death benefit if you pass away in a public transportation accident. You get free access to Law Assure, including customizable wills, power of attorney, and healthcare directives. (I care, I Feel Your Pain)
Corebridge
Corbridge: $393 billion in assets, A-rated by A.M. Best. Your loved ones’ funds are secure. (Certainty) If diagnosed with a terminal illness, access 50% of your death benefit early. Additionally, Corbridge offers a Chronic Illness Benefit, allowing you to receive a portion of your death benefit early if diagnosed with a qualifying condition. And, if you pass away in an accident, your full death benefit will be paid, regardless of the time frame. (I care, I Feel Your Pain)
