Read-only rebuttals — please read them here on this page. These rebuttals are not available to download or print.
Rebuttal 1: Not Interested.
Mr. [Name], I completely understand your concern! A lot of people feel the same way at first. But the truth is, we’ve seen millions of families left struggling with unexpected financial burdens because their loved ones didn’t have coverage in place when they had the chance. You still have time today to see if this makes sense for you. We will provide you with a quick quote. If it works for you, great! If not, there’s absolutely no cost or obligation on your part.
Rebuttal 2: I already have an insurance policy.
It’s great that you’re planning ahead! That’s the first step. But with inflation and the rising cost of everything, burial and cremation expenses are no exception. Let’s say you have a $10,000 policy today. That might be enough in 2025, but by 2030 or 2035, those same services could cost significantly more. Have you thought about how that could impact your family financially? Most people haven’t, and that’s okay. Now is the perfect time to review your options. We can show you plans that are tailored to your budget today while preparing you for the future. Take a moment to look everything over, and then let us know what you’d like to do next.
Rebuttal 3: I have a term life insurance policy.
I really appreciate that you’ve taken the step to protect your family — most people don’t think that far ahead. However, I’d like to shed some light on something important. You already have Term Life, which is great, but what we’re offering — Final Expense — actually complements it perfectly. Now, having Term Life is definitely beneficial, but it does come with a few drawbacks. It usually requires a medical exam, expires after a certain period, and the payout typically takes 15 to 90 days after the insured passes away. Final Expense, on the other hand, is designed to make things easier for your loved ones. It comes with fast approval, no medical exam required, and never expires as long as the premiums are paid. Even better, it pays out quickly — usually within 24 to 48 hours after the insured passes. It also builds cash value that you can withdraw from if needed. That’s why it’s a wise decision to have at least $6,000 to $12,000 in Final Expense coverage — so burial arrangements can be handled right away while waiting for the Term Life insurance payout. Because as we all know, no one’s funeral can wait 15 days.
Rebuttal 4: Send it to me in the mail.
Absolutely! That’s exactly what we do. We send you your policy before any obligation or commitment. Now, I’m affiliated with over 40 insurance carriers, and each carrier offers at least four different plans. So, as you can imagine, there’s no “one-size-fits-all” solution. That’s why I don’t just send you 160 brochures and say, “Pick one!” — that wouldn’t help either of us, right? Instead, I take the time to understand your needs, then craft a personalized plan that gives you maximum benefits at the lowest possible rate. To keep things simple and efficient, let me first walk you through the key benefits this plan offers you…
Rebuttal 5: I want to discuss it with my (kids/spouse etc.) first.
Sir/Madam, you’re not committing to anything today. Your commitment to this plan begins only after you make your first premium payment. Once you’re approved by the insurance company, we’ll lock in your premiums for the next 30 days. That means the price won’t change even if, heaven forbid, something like a heart attack or stroke were to happen tomorrow. We both know that none of us are getting any younger or healthier, and unfortunately, these prices continue to rise every day. So, how about we get you approved right now? It’s a one-time process, and once you’re approved, you’ll have 30 days to review your policy documents and make your first payment. This gives you peace of mind knowing that your [son/daughter – insert beneficiary’s name] won’t be left with the financial burden of covering thousands of dollars in funeral expenses, potentially jeopardizing their savings just to lay you to rest.
Rebuttal 6: I don’t want to share my Social Security / Why do you need my Social?
In order to proceed, the insurance company will need your Social Security number to access your health history and prescription records through an MIB (Medical Information Bureau) check. This process is standard and helps the insurer evaluate your eligibility accurately. Unfortunately, the only unique identifier that allows them to securely verify your identity and retrieve this information is your Social Security number. May I please have your Social Security number to begin the approval process?
Rebuttal 7: I don’t want to give my bank info.
I completely understand your concern, and that’s a very reasonable question. The reason insurance companies require a valid method of payment — usually a bank account — is simply to protect you from a policy lapse. We’ve seen in the past, especially during COVID, how easily people missed their payments when they couldn’t get out or were hospitalized. Sadly, many lost their coverage not because they didn’t want it, but because payments didn’t go through on time. Setting up automatic payments through your bank ensures your policy stays active — no matter what happens. Even if you’re sick, hospitalized, or unable to handle things personally, your coverage will remain in force. It’s a safeguard to make sure your protection is always there when your family needs it most. At the end of the day, this isn’t about money — it’s about peace of mind for you and your loved ones, especially for [beneficiary’s name]. And just so you know, right now we’re not collecting any money or charging anything. Our goal at this stage is simply to get you approved. During that process, the insurance company runs a quick verification on your bank information — just to confirm the account is active and the numbers are correct. This prevents unnecessary calls or delays later on and keeps everything smooth and secure for you. Would you feel more comfortable if I walk you through exactly how that payment process works and when it would actually begin?
If they say yes:
I understand — many people feel hesitant about sharing bank information these days, especially with concerns around fraud. Just to clarify, your information is processed securely through an encrypted system that’s fully compliant with federal banking and privacy regulations. It’s the same level of security used by major financial institutions. The reason insurance companies prefer a bank account over a debit card is to ensure long-term reliability. Debit cards can expire, get lost, or be changed, which increases the risk of a missed payment and potentially causes the policy to lapse. With a bank account, your coverage remains protected — even if you’re hospitalized, sick, or dealing with an emergency. This gives both you and your loved ones real peace of mind, knowing the policy won’t accidentally fall through the cracks. Would it help if I walked you through exactly how and when the first payment happens — so there are no surprises?
If they want you to walk them through:
Absolutely! I’d be glad to walk you through it step by step. First, once your application is approved, your first payment will be scheduled for the date you choose — usually within the next few days or on your preferred date of the month. On that date, the payment will be securely drafted from the bank account you provided, just like an automatic bill payment. After that, your payments will continue on the same day each month, so it’s predictable and easy to budget for. You’ll also get a confirmation from the insurance company so you know exactly when and how much was paid each time. If you ever need to make changes — like switching accounts or payment dates — you can call the company’s customer service, and they’ll help you update it right away. Does that help clear things up? Would you like to go ahead and pick the date that works best for you?
Rebuttal 8: I want to put it in a savings account.
I understand, and that’s actually a good thought — having savings is always wise. The main difference is, a savings account grows slowly, but it doesn’t instantly turn a few dollars into thousands like a final expense policy does. For example, you could put away $50/month for years, but if something happened tomorrow, your family would only get what’s there. With final expense, they’d get the full benefit, say $10,000 or $15,000 — right away, no matter what. So it’s really about peace of mind and protection.
Rebuttal 9: I want to receive the documents first and then make a decision.
Absolutely! That’s exactly how the process works. First, we send you the policy documents, and you’ll have a full 30-day review period to go through everything and make a decision. Now here’s the thing: we work with over 40 top-rated insurance carriers, and each of them offers around 4 different products, which means there are over 160 brochures available. It would be overwhelming for anyone to read all of those and try to choose the right one. So to make it simple, I’ll help you by selecting the best option — one that offers the most benefits at the lowest possible rate for your situation. Then, we’ll get you on a quick pre-approval call with the insurance carrier. During that call, the carrier will need your Social Security number and bank account details to verify your identity and confirm that your account is active. They won’t proceed without that, because it’s part of their compliance and approval process. The good news is you are not charged today. This just ensures that everything is set up in advance. Once you receive the documents, you can go over them, and if you decide not to move forward, you won’t be charged anything at all. So we’re simply streamlining the process for you while keeping you in full control. Does that make sense?
Rebuttal 10: I can’t afford it.
I completely understand, [Name]. Most of the families I talk to feel the same way at first. But let me share something with you — the whole reason people get final expense coverage is because they can’t afford to leave their loved ones with thousands of dollars in funeral and burial costs. The average funeral today is over $10,000. Without this plan, that entire burden falls on your family instantly. Now, $35 a month is just a little over a dollar a day — less than what most of us spend on coffee, soda, or snacks. But that small amount guarantees your family peace of mind and protects them from a big financial hardship. Let’s be honest — if something happened tomorrow, could your loved ones come up with $10,000 immediately? Or would it be easier for you to set aside just $35 a month to make sure they’re completely protected?
Rebuttal 11: What if I pay you more than what I will receive?
That’s a really good question, and honestly, most people ask me the same thing at first. The thing is, this isn’t an investment — it’s a guarantee. You’re not paying for a return; you’re paying to make sure your loved ones never have to worry about funeral costs or scrambling for money when that day comes. (Pause for a second to let it sink in.) Now, yes — if you live a long, healthy life, you might pay more in total. But the value here is that your coverage never expires, your price never increases, and your family gets the full payout, even if you’ve only made a few payments. (Gentle, reassuring tone.) Think about it like car insurance — most of us pay for years and never file a claim, but we keep it because it protects us from a financial hit we couldn’t handle. Same idea here — except this protection is for your family, not your car. (Optional add-on for emotional close:) And at the end of the day, it’s really not about the $5,000 — it’s about making sure your loved ones are taken care of and no one has to ask for help or borrow money for something as basic and respectful as your final arrangements.
Cash value:
Also, one great benefit of these plans is that they build something called cash value. That means over time, the policy grows like a small savings — and if you ever need to, you can borrow against it or use it in an emergency. (Optional follow-up:) It’s like having a backup piggy bank that builds quietly while the policy is active.
Rebuttal 12: I don’t want to pay for it unless I receive the documents in the mail.
Right now, you are not signing up for the policy. I have compared 40 different insurance carriers and composed a plan that offers maximum benefits at the lowest rates. The next step is to get approval from the insurance carrier. I don’t want to send you something that you won’t benefit from, so I want to make sure you are approved first. Once approval is received, I will then mail out the documents to you. During this process, the insurance carrier will need to run a verification check using your Social Security number to review your medical history and eligibility. They will also verify your bank account to ensure that you have a valid account. The insurance carrier will not waste their resources by sending a policy to someone who doesn’t qualify or who does not have a valid bank account. You and I both understand that you are not paying for anything until you receive the documents. Once we receive approval, I will send you the policy along with a copy so you can review it and discuss it with your loved ones.