TZG SAF Agents will be able to offer clients FREE Access to the SAF Client Portal, when complete, presented by www.StabilityAndFamily.com (SAF)
so for simplicity, everyone pronounces “SAF” as “safe”
Tele-Sales Script
Used to successfully Win Apps, closing completely Over-The-Phone!!
According to this audio: What are you looking for here and why exactly?
Quick Note to: All TZG SAF Producers
You get the Premium At or just slightly under their real Budget — You’ll Always fully Close the App.
Simply remember to always ask…
“What’s most important to you,
benefit or budget ?
PS – The real answer is Budget, obviously true because if it was only $1 — they will absolutely do it, wouldn’t you!?
Know we are Proud to have You as part of the Team TZG SAF.
Also know You are Loved here. You are Appreciated here. You are Respected here. — And it most likely that feeling that has you more HIGHLY Confident here too. It’s the genuine Team Atmosphere here at TZG SAF!
Finally before you start again today… Could You imagine how Your Greatness would do if — You are truly more confident now
— simply because you choose to listen to this again, unless You don’t want to keep doing it to get better here.
Have Your Carrier portals ready to do Quotes and fully complete the Apps:
* Progression of Best Benefit Options Available: Based on Generic Medical Questions within script
Level/Immediate = (100% Day One Benefits) …
Graded = (30% during 1st year, 70% during 2nd year, Full Death Benefit 3rd+ year, 100% of FA if Accident Day One Year One) …
- Premium of $100/month for $10,000 FA… Year One Day One = $3,000 (30% of FA)
- Premium of $100/month for $10,000 FA… Year Two Day One = $7,000 (70% of FA)
- Premium of $100/month for $10,000 FA… Year Three Day One = $10,000 (100% of FA)
Guaranteed Acceptance = (110% of Premiums Paid during first 2 years, 100% Accident, Living Benefits) …
ROP = (110% of Premiums Paid during first 2-3 years, 100% Accident) …
*Carriers ultimately make final underwriting decisions.
* Progression of Best Benefit Options Available: Based on Generic Medical Questions within script
Level/Immediate = (100% Day One Benefits) …
Graded = (30% during 1st year, 70% during 2nd year, Full Death Benefit 3rd+ year, 100% of FA if Accident Day One Year One) …
- Premium of $100/month for $10,000 FA… Year One Day One = $3,000 (30% of FA)
- Premium of $100/month for $10,000 FA… Year Two Day One = $7,000 (70% of FA)
- Premium of $100/month for $10,000 FA… Year Three Day One = $10,000 (100% of FA)
Modified (Prosperity Life Only) = (110% of ANNUALIZED Premium during Year One, 231% of ANNUALIZED Premium during Year Two, Full Face Year 3 and 100% if Accident from Day One Year One.) …
- Premium of $100/month for $10,000 FA… Year One Day One = $1,320 ($100 Annualized is $1200 x 110%)
- Premium of $100/month for $10,000 FA… Year Two Day One = $2,772 ($100 Annualized is $1200 x 231%)
- Premium of $100/month for $10,000 FA… Year Three Day One = $10,000
Guaranteed Acceptance = (110% of Premiums Paid during first 2 years, 100% Accident, Living Benefits) …
ROP = (110% of Premiums Paid during first 2-3 years, 100% Accident) …
*Carriers ultimately make final underwriting decisions.
Top Producers — Voice Message Script
Hear the Voice Message Script – by David
Hear the Voice Message Script – by Beth
When You Leave This VOICE MESSAGE: *** #CheeksUp as you happily imagine them feeling good listening and then quickly calling You back to get this now.
😊 “Hi ___(client’s name)___ this is __________ calling to catch up with you again.
Give me a quick call me back at _____ – _____ – _________ .
Talk with you soon and always be safe now, bye _____(client’s name)_____. 😊
Top Producers — Wash, Rinse, Repeat — Winning Script
WHEN YOU SPEAK WITH THEM ON THE TELEPHONE: *** #CheeksUp😊#Smile
😊 “Hi __________? … (Yes) 😊 “Hi again ____________ this is ____________ here, by SAF StabilityAndFamily …
does our name Ring-A-Bell, does it sound familiar, or are You not really recognizing it yet? … …
I only ask You this because we typically only call people who hopefully remember us … or SAF … here by StabilityAndFamily.
And now I’m simply calling as a courtesy to follow-up on the request you sent in, scheduling quick 10-12 minute appointments in your area.
Thankfully it only takes about 10-12 minutes and since I’m currently scheduling for these next few days, how good is your schedule looking right now… is _______________ good or is _______________ better? 😊
( — is today good or is tomorrow better?)
( — is tomorrow good or is _____ better?)
( — is _____ good or is _____ better?)
Oh ok Great!!… Is the morning, afternoon or evening better for you? Because I have __________ and __________ (times) available?
[ Schedule the Appointment on Your Calendar!! ]
NOTE … If Yes, they are indeed ready to go right now, simply scroll down here to the section after the stars…
😊
“As you grab a piece of paper to write on … What’s your best email address to send the appointment confirmation …
(or confirm the one we have)
😊
If You Are Scheduling The Appointments
( *** When only one name is listed on the SAF Request You say –
“I noticed that only your name is listed… who in addition to you takes care of your
family? Great, could you promise me they will there too when we get together.” )
It says here that you live at _______________. As we’re driving up to your home,
what are some landmarks we can look for like cars in the driveway, because sometimes it’s not really easy to see house numbers,
but it is really easy to spot cars in the driveway or parked out front?
(take copious notes on everything you get them describing)
Ok great … grab that piece of paper to write down the date and time that we’ll be there for you … (confirm they have it written) …
… Excellent. You got it.
Have another great day __________ … and we’ll see you this (repeat the Day, Date and Time you scheduled them for).!
— Hang Up — (And now schedule another!!! 😊)
If Yes, they are indeed ready to go right now, simply say…
“Great, how much coverage do You currently want to get in this, or how much coverage do you have right now?
If they Need coverage say…
“Ok… I gotcha. Now tell me, for what purpose do you want this today, or really… What’s important to you about… ________________ coverage?
Stop and quietly or patiently listen as you make notes of all the reasons they want it now, because they will tell you here.
… “Obviously that’s important to you, and we’ll definitely help you get this taken care of today.
Now continue immediately as You proceed to… Begin asking the Generic Medical questions section
If YES they already have some coverage say…
“Great, let me ask you this, if You could get the same or more coverage here, for less money, would you do it.
if Yes… *** Continue immediately to… Begin asking the Generic Medical questions section.
- if No… — Think Next… and Politely ask — “Who else do you know that is happily open to get more coverage for less money today?” — Wait for the referrals and then move on to the next call.
“Are you wanting to get this coverage for just yourself now, or are you also looking for coverage for someone else here as well…
GENERIC MEDICAL QUESTIONS SECTION
“Ok great now, let me ask you some really quick and brief medical questions because although You sound perfectly healthy, I still have to ask…
“Have you Ever had any kind of… Heart Attack, Cancer or Stroke or Any Heart Issues?
… (No or Yes)
Heart / Stroke — Over 2 Years: Go To Next Section
*NOTE: High Blood Pressure (Hypertension) = Level*
- heart attack
- angina (chest pain)
- congestive heart failure
- heart surgery
- cardiomyopathy
- stroke
- transient ischemic attack (TIA)
- aneurysm
- circulatory surgery
* Less than 2 years (Ages 50-80) — AIG – GIWL
Cancer — Over 3 Years: Go To Next Section
*** IF… If Over 2 years, but Less than 3 years… POSSIBLY… RNA (Level) or Am-Am (Graded)
- internal cancer
- malignant brain tumor
- malignant melanoma
- leukemia
- multiple myeloma
* Less than 3 years or More than One occurrence and (Ages 50-80) — AIG – GIWL
“Have you Ever had any kind of… COPD or Respiratory Issues, use Oxygen or have a prescription for a Home Health RN ?
… (No or Yes)
Ever been Treated or Prescribed Meds specifically for:
- COPD (Chronic Obsessive Pulmonary Disease)
- Emphysema
- Black Lung
- Tuberculosis
- Other chronic respiratory disorder
Possibly eligible for a Graded Death Benefit
*Carrier progression… Am-Am, TLIC, MOO, AIG
If Currently or in the last 30 days:
- use of Oxygen (Excluding CPAP or nebulizer)
- receiving Hospice or Home Health Care
- confined to a Wheelchair — due to disease
- Require Human Assistance with… eating, dressing, toileting, transferring from bed to chair, walking, maintaining continence or bathing
* (Ages 50-80) — AIG – GIWL
“Have you Ever had any kind of… Complications of Diabetes or drugs or alcohol issues?
… (No or Yes)
Diabetes — Over 2 Years: Go To Next Section
*NOTE: Diabetes is typically Level, if under complete control. (Yes to insulin, metformin, gabapentin, etc.)
- diabetic coma
- insulin shock
- amputation due to complications of any disease
* Less than 2 years (Ages 50-80) — AIG – GIWL
Drugs or Alcohol — Over 2 Years: Go To Next Section
- received treatment or hospitalization for the use of alcohol or drugs, or been advised to restrict use
- more than 1 conviction for…
- reckless driving
- driving under the influence (DUI)
- driving while intoxicated (DWI)
* Less than 2 years (Ages 50-80) — AIG – GIWL
“Lastly, what do or have you ever taken medications for?
… (No or Yes) ——- Drug Reference Guide
Ever been Treated or Prescribed Meds specifically for:
- Parkinson’s disease, Systemic Lupus (SLE) or sickle cell disease
- Cirrhosis (Stage A or Stage B) of the Liver, chronic hepatitis or other liver disorder, kidney failure or other chronic kidney disease
- Bipolar Disorder or Schizophrenia or been hospitalized in the past 2 years for any mental or nervous disorder
IMPORTANT UNDERWRITING NOTE:
—> Parkinson’s Only… Check TLIC
—> Bipolar, Schizophrenia… Am-Am
Possibly eligible for a Graded Death Benefit
*Carrier progression… Am-Am, TLIC, MOO, AIG
Level/Immed/Graded Knockouts — Go To AIG-GIWL
- waiting on an organ transplant
- any diagnostic tests, surgeries or hospitalizations for which the results are not yet known
- Kidney Dialysis
- AIDS / HIV
- Alzheimer’s disease / Dementia
- Lou Gehrig’s / Amyotrophic Lateral Sclerosis (ALS)
- Cirrhosis of the Liver (Stage C)
* (Ages 50-80) — AIG – GIWL
Have you Smoked Cigarettes in the past 12 months? Yes No
What’s your Approximate: Height __________ Weight __________
Build Charts for: Prosperity Am-Am MOO TLIC RNA
You get the Premium in their Price Range — You’ll Always fully Win the App.
Now simply remember to always ask…
“What’s most important to you, benefit or budget ?”
(*** Wait for their Answer ***)
“And what’s that budget… where You’re literally thrilled to do this,
How much monthly would you be happy with it today…
STOP BECAUSE THEY ARE THINKING ABOUT THAT NOW YOU SIMPLY SHOULD PATIENTLY LISTEN FOR THE MONTHLY DOLLAR AMOUNT
BECAUSE IF YOU ARE HERE — IN THIS SECTION — THEY WILL DO IT.
Now if they are married, ask… “For each…?” They will say Yes or tell you who is getting it now. — PROCEED QUOTING / APP
Also Remember: If it was only $1 — You know they’ll do it Every time!
FEEL FANTASTIC!!! BECAUSE YOUR GREATNESS IS SHOWING HERE!!
