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IUL Telesales Script

A word-for-word phone script built around one principle: get the client to say something small, then go for the big ask. Get your foot in the door and everything else follows from that first yes. Most reported sales are over $500 per month.

Your entire goal is to help the client save $20/week for their retirement. Focus on that.

Just get your foot in the door. Everyone says yes to $20. Once they say yes to $20, it's a lot easier to get them to $500, $1,000, $5,000. Get them in first.

The 6 Rules
1
Mindset: What percent of leads can you sell on $20/week for retirement?
Down sell to gain trust.
2
Focus on a one-call close.
It's just $20. You don't need multiple appointments.
3
Upsell later.
Sell every lead before trying to maximize every lead.
4
Always ask for referrals. Even if they don't buy.
"Who else do you know that needs to hear this?"
5
During fact-finding, don't be afraid to pivot to term or whole life.
Fit the solution to the person, not the other way around.
6
Be confident.
You got this. You're helping people do something good for themselves. Act like it.

Download the Full Script

Word-for-word from opener to close, including the video handoff and upsell sequence.

What's Inside

The Call Flow

Open
Warm Introduction
Reference the education emails they've been reading. Put a voice to the name. Build 3-5 minutes of real rapport.
Discover
Retirement Fact-Finding
Find out what they already have, when they want to retire, and what monthly income feels right. Let them tell you the gap.
Educate
Video Handoff
Send the IUL explainer video while on the call. Stay on the line while they watch. Let the video do the heavy lifting.
Position
The $20 Close
Frame the IUL as moving $20 from checking to savings. Break down I-U-L. Quiz them on it. Make it feel simple because it is.
Underwrite
Health Questions & Company Match
Run through fact-finding. Match them to the best carrier. Sell the company (assets, ratings, history).
Close
Application & Upsell
Collect details, link checking, name beneficiary. Then offer to increase the contribution. Ask for the uncomfortable number.
Multiply
Referral Ask
"Who else do you know that needs to hear this?" Ask every single time. Even if they didn't buy.
The Line That Closes
"The first step is easy, just moving $20 from your checking into your new retirement savings account. When's the last time you spent $20 on something?"
Downloadable .docx
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Questions? [email protected] or (332) 333-3IUL

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