Handling objections in selling life insurance

Handling objections in selling life insurance: As a life insurance agent, we often encounter objections from prospective clients.
We can not escape the objection that, but we have to do is handle so that we can close the sale smoothly.
Objections of prospective customers is a process to get a deal.
in my opinion, life insurance agents began to struggle since customers said objection, this means agents have to find a way to turn objections into acceptance.
Of course, in a good and professional

In general objection that often arise in selling life insurance can be divided into 4 parts.
    -No Money (No money)
    -No Hurry (Do not rush)
    -No Need (Do not Need)
    -No Trust (Do not Believe).
Now we discuss first objection No money
  No money 

example sentences, how to handle it.• Prospects: I have a lot of expenses.
• Agent: "I understand your concern, but  life is full of uncertainties? If risk it arrives, will be adding more of your expenses.
Just set aside a little money for this insurance program, then you have reduced the possibility of additional costs if risk comes. This program is not spending, but revenue if bad things happen
• Prospects: But enough of our bugdet 

• Prospects: But our bugdet is  insufficient
• Agent: "Sir ... therefore your budget burden is too heavy, and it all depends on  your income, so if the income is not there anymore because something happened on your behalf, if perhaps your family can still enjoy life as it is now this?.Here that the uniqueness of life insurance, when too heavy to carry insurance paymentsare the most loyal friend and caring  

Prospects: Yes but now I have no money
• Agent: That sir .... I advise you to have this insurance program.
Unimaginable when the risk of life happens while you do not have the money, it is an insurance program that will help you financially when hard times happen.

Prospect: I have to pay my debts first
• Agent: I understand your situation, and I do not ask you to increase your load, this will be a good opportunity for you to let go of some of your toughest tasks, with having insurance program, you have to move your heaviest burden to my company, namely liability for the cost of the home, family income, for the living and education for children.

Pospek: I can not afford one.
• Agent: Mr ..... speaking ability, if we are talking about luxury goods, but we are talking about now is a necessity, home, education needs and the family's future.
Can we afford to say no to these needs? If good health you can not afford it then what happens when that risk?

Prospects: ouch,,, cost of needs now alone is high, let alone to pay for insurance.
• Agent: It is true, sir,,, now a high cost of living, which is why a lot of people add their protection program, because they realize how difficult that will be faced by their families in the absence of protection  

So buddy examples of some of the Objection No Money, which frequently arise and how to handle it ..
Hopefully useful.
Good Luck
 

Taken from the First Month Program.