1.

GENERAL OBJECTION
1.“I totally understand that but, we would like to give you the opportunity to see what we
can offer for no cost or obligation. We offer a variety of options and we’ll be more than
happy to help you choose the solution that cover your needs/compare it with the one that
you have for the moment”

2. You can use this information for future references and in case you would like to add
something extra on top of your coverage option, at least you would know what are the
options our company has available at the moment.

3.'' We'd be able to provide you a tailored quote, personalized to your specific needs by
our senior advisors all on a simple phone call, which can also be sent via e-mail and used
for a more educated decision, whenever you decide to go forward, / to be sure you have
the best prices on the market."

2.CANNOT AFFORD IT/ I DON’T HAVE MONEY/ I DON’T HAVE A JOB

''Sorry to hear that. I hope things will get better for you soon. The purpose of this call is
to provide you with some quotes at no cost or obligation, and no worries you don’t have
to necessarily make any decision at this moment. You can use the information for future
reference.”

3.EMAIL OBJECTION
''We will be more than happy to send you an email. In order for us to do so, you will
please need to have a short discussion with one of our senior advisors and having this
discussion will be to your advantage because this way we will be able to provide a
customized quote based on your needs.

4.PRICES ONLINE ARE TOO HIGH / EXPENSIVE

''Any information that you saw online would be generic/general. That is why it would be
beneficial for you to have a short discussion with one of our senior advisors so that we
can provide you with a personalized, proper, and relevant quote''
 5.FRAUD/SCAM OBJECTION
Why is your phone number showing up as SCAM: ''Our phone number appears this way
as we use a Voice Over IP service, and the displayed number varies depending on the
server the call is routed from. This is a standard industry practice and that’s why your
phone may give you a warning''

SCAM objection ''SCAM OBJECTION No worries I'll be more than happy to provide
you with some additional information regarding our company. We are a legit Canadian-
based company, with our headquarters located in Concord Ontario, just North of Toronto
( close to Wonderland if you are familiar with the area). We have been in business for
about 14 years now and you can look us up online at trustpilot we are rated 4.2.

6.NOT EXPECTING A CALL OBJECTION

"That’s completely understandable! I’m here to help you get a customized life insurance
quote based on your needs and budget which will be much more cheaper that anything
we could’ve sent online”

7.VOICEMAIL
''The reason why we do not leave any voicemails, is because due to Personal, Private and
Sensitive information, we do it with the best interest of protecting the privacy of our
clients''

8.WRONG NUMBER OBJECTION

***Thank you very much for letting us know, I apologize for any inconvenience. Purpose
of the call was to follow up on a reques made on one of our ads for some life insurance
quotes, so we called to present you some free quotes.
9.NO FAMILY OBJECTION / I DON’T HAVE ANYONE / SUICIDAL
/MENTAL ISSUES RECORDS
''I’m sorry to hear that, no worries we would be more than happy to still provide you
some quotes due to the fact that we offer accidental death & dismemberment -option that
will still cover you even if you are not looking for life insurance at the moment and you
can use this information for future references''

10.ONLINE REVIEWS OBJECTION

''I completely understand your concern. Online reviews are an important consideration,
and we take customer feedback seriously. At Specialty Life, we are always striving to
improve our services and ensure our clients are well taken care of. We’d love the
opportunity to show you how we prioritize our clients and offer coverage options that
truly suit your needs.”
So John , do you currently have Life insurance ?

11.CUSTOMER HAS BEEN REJECTED IN THE PAST BY OTHER

COMPANIES OBJECTION

“Sorry to hear that. We offer guaranteed coverage options, and no medical exams are
involved in any of our policies. Even if you've been declined insurance before we still can
help get you qualified.”

12.WON’T AGREE FOR THE CALL TO BE RECORDED

OBJECTION/recording
“Any time your voice is recorded, it’s understandable that there are privacy concerns,
especially when you’re recorded talking about personal life and health circumstances.
You can rest assured that these concerns have been considered.
 13.DOESN’T WANT TO PROVIDE/VERIFY THE INFORMATION
“I totally understand and respect your point of view and in order for us to assist you
properly today, it would be extremely important to verify these details. When it comes to
life insurance, age and smoking status are essential factors so that's why we have to
make sure that the information we have on our end is correct, thank you for
understanding. “

If they act difficult, do your very best and sound as firm and assertive as possible because if they
refuse to verify the date of birth/smoking status, we cannot transfer them.

14.Travel, health, auto and dental Insurance( all that we don’t offer)
''Sorry, at the moment we don't offer..... However, with your permission we would like to
give you the opportunity to see our prices/rates/benefits/ at no cost or obligation and as
well to provide you with some quotes for life insurance. We offer a couple different
coverage options and we’ll be more than happy to help you choose the solution that cover
your needs”

15.CUSTOMERS THAT ARE DQ

''Sorry, due to the age limit we won't be able to assist you at this time. At the moment/the
age limit is 80 and even if we cannot assist you at the moment, if there's another family
member below this age, we'll be more than happy to help and offer some quotes for life
insurance. Thank you for understanding.( for the ones that are too young and under 18,
use the same approach and simply let them know that we cannot assist the ones that are
minors) ''

16.I HAVEN’T MADE ANY INQUIRY - REQUEST was not me/ was not a
family member who did this /I’m the only person that has access to my
phone)
I completely understand, and I appreciate your honesty. We receive information from our
trusted partners who share details about individuals who might benefit from life insurance
information, even if you didn’t make a direct inquiry yourself. Our goal is to simply
present you some free quotes !
So John , do you currently have Life insurance ?

17. Not INTERESTED OBJECTION

I totally understand that but if may i please ask , do you already have Life Insurance or
just want to postpone it for now ?

I have life insurance :

That’s very nice to hear !!! Well (#ClientName#), around 90% of the clients come up to
us already with an existing policy and we’re able to find something more suitable for
them. Even if you have LifeInsurance ,atleast you can compare what you have with what
we can offer - it’s with no cost or any obligation

I want to postpone it :

I understand that you may not be ready at the moment for any reason , but let us just
present you a tailored quote it's with no cost or obligation so at least for future reference
you'll know what we can offer . . .

18. Just provide me with a price

Yes we will,that’s the reason for the call.Let me complete your profile here so that we
can find the perfect pricing for you. So i see here that i have your DOB as …

19. HOW DID YOU GET MY INFO/number

Thank you for asking! We at Specialty Life work with trusted partners who help us
connect with people who may be interested in our services. Your information was shared
with us because you had previously shown interest in life insurance, on any social media
platform through our ads.
So John , do you currently have Life insurance ?
20. HOW LONG WILL it tAKE

It’s going to take as long as you want it to take.Depending on how many questions you
have for the advisor.

21. I have insurance thru work

Delaying the purchase of life insurance can lead to higher premiums as you age. As we
grow older, the risk of developing health issues increases, which can result in higher
insurance costs or even difficulty obtaining coverage

22. I am shopping around with other companies

No worries , we called to present you some free quotes. At Least you can compare
our products with what other companies have to offer.

23. Who are your providers/partners ?

Our underwriter is Humania. One of the oldest life insurance companies in

Canada. Has been in business for the past 150 years.