Questions
- rapport/greeting question
- “I saw your policy termed and was calling to make sure everything was squared away. Did you cancel due to $$ issues or not sure if you need it anymore?…. (Listen)”
- listen for real answer
- “okay before we solidify I want to double check if we owe you any money. Do you remember what type of coverage you have?”
- remind them and run through the coverage
- ask questions to see if we owe money for claims.
- if no claims “fantastic, since you have stayed healthy you’ve been saving for x months. “
- remind how ROP works and how much they saved up.
3 options for coverage change
1- reinstate you where you were and keep coverage where it was. (For folks who forgot why they had it)
2- reinstate for a lower level of coverage & at least protect your ROP (folks with money issues)
3- cancel outright, but with not being at the 25 year mark you would lose the $x you’ve paid so far. Which in that case you were simply paying for peace of mind like any other insurance
