1.

GENERAL OBJECTION
1.“I totally understand that but, we would like present you what we can offer for
obligation. We offer a variety of options and we’ll be more than happy to customize our
options based on your needs and budget. Maybe you can use our information for future
reference !!”

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 if you have one, 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 personalized quote 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.."

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

“I understand, the economy is not good and a lot of Canadians are
struggling to make ends meet! And (client’s name) this is actually exactly
why we called you. Life Insurance is not for wealthy people, it’s for people
that need a legacy for their family, a way of protecting them from a
financial burden once they are gone. ​
​
And here’s what we can do: ​
​
We can provide you with a quote that you can save on your mail, and keep
it for when you’re ready.”

3.EMAIL OBJECTION
“Definitely we don’t want to waste your time, and this is why I wanted to
have the advisor join, because if we send you an email, it’s going to be a
general quote, here in SLI we devote special time and attention to all our
clients, and we CUSTOMIZE the quotes for them, that way our option
ending up being a lot more cheaper!”
 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

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***““I apologize for the inconvenience then, I was looking for (initial client
name) because I was about to follow up with them about our new options
for tailoring a Life Insurance quote, but since you’ve picked up I’m super
happy that we are talking! We actually offer a variety of insurance
solutions, and I’d love to share some information that might be useful to
you or someone you know.

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

Okay so before i let you go , let me just ask you real quick , do you already have Life
Insurance or you’ve never even considered it ?

I have life insurance :

Perfect, this is exactly why I actually called you! ​

So (client’s name), is this a recent policy,
or a policy you have from a while ago?

Client: Actually it’s a recent policy, I just got it! :

Perfect, that is amazing! What we can do for you since we are on this call, we can tailor a
quote for you just to compare it with the one you got. I’m sure everyone you’d want to
check whether you got the right value for your money, and whether you can save more.
(Pivot back in the script)​

Client: I have it for long time actually and I’m pretty happy with it.:​
​
​
​
Wow!! That’s amazing and what we can do for you is we can help out check whether that
policy is giving you the right value now!
Insurance market is changing from day to day, and maybe you are missing out on an
option to save some money!​
So I have an advisor ready , all we have to do is first just check your info(Go back to the
script)
 ​
​

I’ve never considered it :

That’s very good, I’m happy that we’re talking then, here in SLI we provide free customized
quoted for LI, that can show you how you can protect your loved ones in case something
happens to you! Life is unpredictable and we all want to make sure our family is careless,
at least when it comes to finances.

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.​
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​
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 21. I have insurance thru work ​
​
“That’s great and this is exactly why I wanted to speak to you, it’s good to
have this part covered, but we need to have a plan B in case we switch jobs,
or something happens to us and we’re not even aware what our policy
covers. So what we can do for you, is we can customize a free quote for you
with all the things you want to be covered for, this way you can check the
policy you have and compare whether it really satisfies your needs and
whether it will be able to protect your family the way you want to” ​
​
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.​
​
​
24. What is this call about ?​
​
“We called you because we realize that a lot of Canadians have no
idea that they can save a lot of money by tailoring the policy
themselves, including what they need and just excluding what they
think they don’t need from the policy.
Did you know you can customize your own policy?”​

Ok so all we have to do is .. ( continue with the script)​

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 25. Do i already have life insurance policy with you ?​
​
This is exactly why we called you - to check what’s going on with your
policy and whether you need any upgrades, disregarding of the
provider, I actually have an advisor that is licensed in your province
ready to assist with this, and examine everything with you, I
guarantee it will be helpful​
​
​
26. I have lot of money and i don’t need life insurance.​
​
​
I’ve heard this from many clients actually, and during the
conversations with all of them what we spoke about mostly is that
having a lot of cash is great, and life insurance can help diversify
your financial plan, because It’s another layer of protection that can
work alongside your investments and savings to give you even more
flexibility and security in the future. ​
​
And also, it’s a safeguard against inflation - because even with a lot
of cash, inflation can erode the value of money over time. Life
insurance provides a fixed death benefit that won’t lose value due to
inflation, so it acts as a stable asset that helps protect your family’s
financial future.​
​