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How To Handle Objections To Life Insurance During The Holidays

How to Handle Objections to Life Insurance During the Holidays

Objection #1: “I’m Too Busy Right Now.”

Why It Happens: Between shopping, gatherings, and year-end responsibilities, clients feel overwhelmed.

How to Overcome It:

  • Simplify the Process: Offer a streamlined process that can be completed in under 30 minutes.
  • Leverage Virtual Meetings: Suggest a quick Zoom or phone call to save them time.
  • Highlight Timing Benefits: Explain that securing life insurance now avoids rate increases in the new year.

holiday insurance sales objections

Objection #2: “I Can’t Afford It During the Holidays.”

Why It Happens: Clients are focused on gift-giving and holiday expenses.

How to Overcome It:

  • Break Down Costs: Use analogies like “Less than the cost of a daily coffee” to reframe affordability.
  • Emphasize Long-Term Savings: Explain how locking in a policy now can save them money compared to waiting.
  • Offer Flexible Payment Options: Mention monthly payment plans that reduce upfront costs.

Objection #3: “Let’s Wait Until After the Holidays.”

Why It Happens: People see January as a fresh start for financial planning.

How to Overcome It:

  • Create Urgency: Use deadlines like “lock in this year’s rates” or “act before the holidays for additional peace of mind.”
  • Highlight the Holiday Mindset: Emphasize that holidays are about family, making it the perfect time to secure their future.
  • Share Real-Life Stories: Provide examples of clients who wished they had acted sooner.
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Quick Sales Tips for the Holiday Season

  1. Use Seasonal Messaging: Frame life insurance as “the gift of security” or “peace of mind for the new year.”
  2. Focus on Family: Highlight how life insurance protects what matters most during this family-focused season.
  3. Run Limited-Time Promotions: Offer incentives like free consultations or a discount on first-year premiums.

Comparison Chart: Objections vs. Solutions

ObjectionSolution
“I’m too busy right now.”Offer virtual meetings; emphasize quick and easy processes.
“I can’t afford it.”Reframe affordability; explain long-term savings; provide payment options.
“Let’s wait until January.”Create urgency with year-end benefits; tie the decision to holiday values.

FAQs About Selling Life Insurance During the Holidays

Q: How can I make life insurance feel relevant during the holidays?

A: Use messaging that ties life insurance to family, security, and the spirit of giving.

Q: Should I avoid being too pushy during this time?

A: Absolutely! Focus on educating and offering value rather than hard-selling.

Q: How do I handle objections if a client insists they’re too busy?

A: Suggest scheduling a call after hours or on a weekend, showing flexibility and understanding.

Dustin DeTorres

Dustin DeTorres is the Co-Founder of Badass Insurance Leads. For over a decade, he's helped insurance agents across the USA close deals by generating leads for their businesses.