I Dialed Insurance Leads For The First Time in 6 Years... (COPY My Phone Script)

John Wetmore makes cold calls on final-expense insurance leads for the first time in six years, walking through his phone script with real prospects like Sandra, Don, and William. He handles objections, books appointments, and breaks down what worked on each call with coaching commentary from Reese.
Chapters
So I haven't dialed leads full time since 2017, and people always ask what I say on the phone. How about now you just watch? Throw the script away, watch the video, see how I do it. I'm calling all the people that already hung up on us.
Isn't that— John, hit a one-call close, bro.
You want me to? So let's see what I can do. I need a— I didn't— I need a different list. This list wore the fuck out. I've been calling— we called them 12 times today.
Hello.
Hey, this is John getting back to you about the request you had sent in online about the final expense and burial coverage. I just got to verify. I got you down to age 63, but don't have if you're a smoker or not.
And then just to see— I don't know what you're talking about.
I'm sorry. This is Tim, right?
Yes, Tim. Yeah, this is him.
Oh, this is Tim's wife.
Yes.
Okay. It was probably Tim that filled it out. He filled out a request online about burial and final expense insurance. And I'm just trying to— I'm just trying to verify. I got him down at 63 years old, but don't have if he's a smoker or not. No, he's not. Okay. And do you tell me your name? I'm sorry if I woke you up.
Honey, we don't need no life insurance right now. Thank you.
Cool. Yeah, she did sound like a fucking smoker, that's for sure. Your call has been forwarded to an automatic voicemail.
Hey, Sandra.
Hello, Sandra.
Hey, who is this?
Sandra, this is John. I was calling you back about the request you put in to my company about the insurance. Just need to verify. Dang, I sure hope not. Why?
Why? I don't need insurance.
No, I don't need to get hung up on though. I'm just trying to get you the stuff so I can stop calling. They make me keep calling you. I'm about to get fired if you don't let me send this to you.
What do you finish? What the hell are you selling?
I don't sell shit. I'm trying to send you the stuff so I can get off my list and call someone else and go to my lunch break.
So yesterday you had my address, put it in the mail.
Is it the apartment? Okay, and you're 68, but are you a smoker or not? So you're not— you don't smoke, you promise?
Yeah. Okay.
Are you from up north? No. Oh, okay. You sound like my grandma, Feisty. I just make sure it's enough. So, so much fun. So I like it. Hey, so this thing's super simple. They make me send the information out to you and they have an underwriter that drops it off to make sure you ain't tied up to a hospital bed. You're not tied to a hospital bed, are you?
No. Are you sure? Just came over and helped me clean my apartment.
Okay. You positive?
Yes.
All right. Well, well, my underwriter has to come verify your ID so they can get you the accurate quotes. Are you going to be around there about 9:00 tomorrow? Take like 2 minutes.
Be around for what?
My underwriter has to just come verify your ID so we make sure you're not like tied to the hospital bed, have cancer, all kinds of craziness. Takes like 2 minutes. You'd be around at 9 so I can get you off this dang list? Like 9 AM. We wouldn't come at night. I ain't that crazy. Just 9 AM. It takes like 2 minutes. We'll verify your ID and I'll get off your ass.
No, not really. I mean, I just I'm talking about death insurance.
Yes. And I'm just trying to not get fired, Sandra. I just got to get you the info. My boss is a pain in the ass. Sorry.
I would like to be able to purchase the more life insurance.
I know. I just got to have my guy verify your info so we can get you all the quotes you're eligible for, and then we can get out your way.
Make it 10.
Make it 10. I'm going to try my best. Is it okay if I'm a little bit early? Okay.
So you were a stranger.
It's not a stranger. My name is Giovanni. I'm a young guy. Yep, curly hair, you can't miss me. I just got to verify your ID and ask a couple questions just to make sure you're eligible. It'll take just a couple minutes. So, okay, I got you at apartment, correct?
Yeah.
Okay, any kind of gate or any code or anything? All right, all right, Miss Sandra, are you gonna have your coffee in the morning so you don't want to kill me when I get there?
Oh, oh, oh yeah, you will.
Before you get here, you promise? All right, do you want me to bring you some coffee? Would that help? You probably— I'll bring you, I'll bring you some donuts to dip in the coffee.
I'm good now.
All right, Miss Sandra, I got you down. We got you. I know you said 10, but I might be there a little, a little early because I'm seeing someone else right after 10, so I'll be there between 9:30 and 10.
Okay, thank you.
All right, later. Have a good day. That deep. Tell me you can't book shit when they fucking yell at you. Come on.
Still recording my voice.
That's all recorded, bro. That's on Zoom. I voice recorded it too.
I sent it straight to John.
Hey Reese, I'm tagging you.
That was too good. That was really good.
Uh, Is my job done for the day? Goddamn, I missed this shit.
Sandra, what? It's possible. Oh, that was on my phone.
Yeah, I was not getting this. Here's the thing, when they do that voice, you gotta match them, dude.
I know, that's exactly what he told me to do.
That's what Dom told me. Yeah, you can't be a little bitch when they're fucking yelling at you.
Okay, let's put it for 9. She don't give a fuck, dude. She was playing rough.
I also changed my name in the middle when she asked. Yeah, I changed my name in a second. I don't give a fuck.
You got 2 or 3, right?
Yeah, that's going to be easy sale. She says she wants insurance too. You heard her after she said I don't want that shit. When I got into her, she's like, I've been looking for some. She said something like that. Hey, so this thing's super simple. They literally send the information out to you and they have an underwriter that drops it off to make sure you ain't tired. See, I went from dropping it off to me dropping it off. I know, none of this matters, dude.
You changed this thing 4 times. You changed the whole thing 4 times with this whole thing.
Hey, what up, Don? Yeah, this is Don. Hey man, this is John getting back to you. Um, you filled out a request sent to my office about this state, um, yeah, you got it, my bad. I'm sorry, you had— I'm just calling you back. You had, um, sent a request into my office online about the state life insurance burial program. And we got you down at age 60. I'm at the hospital right now. Um, I give you a call back. Okay, you, you be back at the house tomorrow? No, I said will you be back at your house tomorrow? Yeah. Okay, are you around the house at like 9? Are you around the house at like 9:00 AM? I was gonna get him too.
Yeah, that's an easy one.
Yeah, you can tell me, can door knock Don? He'll be around. Yeah. Yes. That was done in 2022, right?
What's up? Can I help you?
Hey, William. Hey, man, this is John returning your call. You had sent in a request about getting some pricing on the insurance and final expense, and you forgot to put down if you're a smoker.
I—
I'm going to fucking call that asshole back. I'm feeling feisty. Not the right way. Okay, to issue products, that's what we're looking at. Oh, come on, William, don't fucking block me now. If that was done correctly, it would have been—
Please leave your message.
Come on, William, I'll go for 5.
You can't report and stand like me.
So, next slide, $20,000.
Please leave your message for Go ahead, just roll.
Thank you. Hey Roger. Yeah, hey, what's up man? This is John calling you back about the request you put in online, um, about the insurance and final expense stuff. And I just need to verify real quick, your age is 74, but you a smoker or not? First thing I want to get an idea of kind of where you're at. I'm sorry, you got me now? All right, I was just calling you back about the request you sent my office about the final expense and burial insurance, and I got down your age is 74, but you didn't put if you're a smoker or not. Non-smoker. All right, cool. And are you over at, uh, okay, you work, retired, disabled? Say again?
You work?
Okay. What time do you normally get off work? Say again? 10 o'clock. What time do you go in? Okay, well, I got to send, um, we got an underwriter. The process is really simple. We come out and take a look at your ID and make sure you're not tied to a hospital bed. What's a, what's a good day that you're not at the office that we can get it out to you? It takes like 10 minutes. And so Say again.
Sound like you're underwater, bro.
You working like a— in a boat? What up, y'all? So YouTube memberships, we have one now. Right next to the subscribe button, there's a neon white join button. You can't miss it. Subscribe, whatever it says, click the link, get in there. I do a a ton of coaching, teaching people how to dial, corrections, working on their presentations, working on their mindset. I will coach on theory, but I like coaching real-world stuff. And if you join the membership section, you're going to see live coaching where I'm not only helping people, but every once in a while I get in there and dial myself. There's some cool videos coming out, tons of content. All the training videos will be directly on my YouTube channel that's available to members only, super easy to find. So join now if you're interested, click below. See you in there. Yeah, are you around the house tomorrow? You around the house tomorrow? I guess. Okay, you want, you want to do the morning or afternoon? Which is better? You say afternoon? Can you do like 4:30 in the afternoon? Okay, I got you down. Is there a code or anything to get into the apartment?
No.
No, can you just get right in? And is that like in a building or is it a house with multiple— what is it? What is it? You have to come in through what? Through the back entrance. Okay, no gate or anything, no code? Okay, okay. All right, I got you down. Hey, will you do me a favor? If you take any medications or anything, will you have the list or your pile of meds ready? It'll make it a lot quicker. All right, my name is Giovanni. I got you down for tomorrow at 4:30. All right, brother, see you then. Later. I know they don't give a shit. I know, like an easy game.
Yeah, it wasn't English, bro.
He was English, he had like some shit.
I know, it was bad.
Telephone number on his bitch ass. I got him one. I already did.
435—
say going through the back, whatever that means. I told him to have his meds ready. Tell him that too. You there, Linda? My phone's jacked up.
Yeah, same number. Say again?
Definitely is. I'm like a fucking dude. Go by his last name. I can't say that last name.
Ciao. Casno. Casno.
Oh, I'm just trying to talk to you, but you keep hanging up.
That's right, because I don't want to talk to you.
Well, I don't want to talk to you either. I just got to get you some information you sent. My boss is yelling at me to get it to you.
What information is that?
You had filled out a request about some burial insurance before you croaked.
Did not. I don't know how then.
All right, can I verify it so I can get you off this list then?
Yes, please do that.
All right, hang tight. Let me tell you what I got. You definitely don't sound like a Linda, and the last name— the last name I will mess up.
No, no, no, it's not even close.
Are you not on?
No, I'm not.
Well, they got everything jacked up. Let's see, let me make sure I got the number right. 3— oh no, ah shit, I'm looking at the wrong one. You're 5, huh? They kind of— I think they mix shit up in here. Interesting. Oh, you must be Michael. You're Mike. I got you.
Yeah, I need the insurance out of warranty. I got plenty.
You're 78 though, right?
Yeah.
Street?
Yeah.
Why are you filling stuff out if you don't want one? What? Why are you filling stuff out yet then if you don't want anything?
I didn't fill it out.
That's what I'm trying to tell you. I don't know how this is happening. Someone got all your info though. 78, Florida. They damn sent it to me, said it was you want some insurance.
Yeah, I know. I've been getting calls left and right from different agencies and different agents.
And can I ask you a question?
It's getting old real fast. That's why I didn't hang up.
That's why.
Yeah, yeah. Can I ask you a question?
Are you telling everybody you don't want it because you don't want some asshole sales guy?
That's one of the reasons.
Well, I'm not one of those. I'm an asshole, but I'm an asshole underwriter.
Well, you know, you're still— I don't need the insurance. And I've been dealing with you and Medicare and all that crap.
Hey, what if I do this to get you off the list? What if you just let me send you the info so I can get you off the list?
If you want to do that, go ahead.
Okay, cool. I got you at, uh, we're all good. I'm gonna take care of it to get you off the list. She don't—
she—
y'all don't have to be mad. Street, right?
Yes.
Okay, you work, retired, disabled?
I'm retired.
Okay, retired. Do you smoke or not?
No, but if I keep talking to you, I might start.
Yeah, I'll smoke one with you if you want, bro. You like that? Yeah, dude, can I come? Are you home tomorrow? I'll come over, I'll light one up with you, bro. 9 AM. Here's what they do. All right, here's the last— no, I'm not. I'm gonna get— I'll have one ready for you and her because she sounds even more mad than you do.
Listen, just kick me off, take me off your list, please.
I will. Hey, Michael, here's, here's the last piece that needs to happen. They, they have me send it out with a guy that's going to verify your ID. It takes like 2 minutes. We'll be there tomorrow about 9 so I can get you off the list.
Do not send anybody over here. I don't want to, I don't want to see anybody, okay?
Well, at least if you see him, you can punch him in the face. If I don't do it, they're going to make some other jackass call you tomorrow. At least you got a good one on the phone now. If you wait till tomorrow, they're gonna make some other a-hole call you. I'm just telling you how it works. At least I'm being honest. I'm trying to get you off the list. If you let my little chipmunk come out and verify your ID, they'll take you off the list.
I don't want to verify IDs.
Well, then you can't get off the list.
Well, then I'll just keep hanging up on every idiot that calls me, right?
That sounds terrible. Yeah, he'll bring you a fatty too. Is that home with you?
No, I don't. I'm busy right now, so Are you good?
You're gonna— you could make it easy, Michael. Please don't knock him, Giovanni.
That was a good run.
I almost fucking had him. I almost had him.
That was fucking good. I don't even know what his name is.
Michael what?
So if y'all ain't realized yet, dude, fucking with people works. I just happen to be pretty good at it.
God dang, that would have been good.
That'd have been better than the last one.
That one would have been—
The last one was pretty good.
It was. And I started out saying the wrong fucking person. I know. I got my leads crossed up.
Different address, different name, different age.
Yeah. I was like, no wonder I fucked up.
Damn. Joel?
Yeah? What's up, man? This is John calling you back. How are you? I'm John over at the benefit center here. Just need to verify, man. You don't want— what, you don't need any Kentucky? Come on, Joel.
Can't help me. Why you keep calling me, Joel?
I'm trying to just help you. You won't let me help you though because you keep hanging up. I need, I need like a minute. You good if I ask you a question for a minute without yelling at me or hanging up on me?
Cool.
All right, I got— I just need to verify your addresses.
Hello?
You 70?
Yeah.
Are you 70? You smoker? You smoker?
Yep.
You smoke? Okay, cool. You smoke weed or cigarettes or both? No, no, it's not health insurance. Why you say I can't help you?
You sick or something? Why is—
I am trying to hurry, but I'm asking. It's not health insurance. I just— but I'm curious if you said I can't help you. What do you mean by that? Okay, okay, I got you. You retired, working, or disabled? Retired. All right. Married or single?
Single.
Thank God, right?
Yeah, right.
I feel that, bro. All right, well, here's the thing. This is about the life insurance, not the health insurance. So when you drop dead, All right, yeah, yeah, very good. Come on, Joel, I'mma get your ass. Again, I'm just—
they're super strict, so you fuck anything up, they come back to bite you. But that's not what I want to have happen in my class. Um, let me—
Joel, Joel, Joel, he's a good door knocker.
He's home.
Fine, he can handle him. That's an easy door. No, giving out quotes, Joe. Say again? So you're giving out quotes? Shit, that's what it— you the quote man?
What it felt like.
Hey, hey, how much is he paying for his current insurance?
Uh, I'm not sure, it's through work. I forgot to ask.
No, the one that was not through work, the million.
Well, No, so the— he's got a total of $1,000,000.25, he said, but I think I misunderstood him at first. I believe that is all through work.
Yeah.
How much you paying for it?
I'm not sure.
How long does it last?
Uh, it's a term. I'm not sure when it expires.
What's it meant to cover?
Uh, income replacement.
How much is his income?
Bad, dude, I jinxed it.
That's all questions I should have asked.
You don't know shit, bro. Giving out quotes, bro, that ain't the game.
Yeah, he—
so it's really easy to tell him he don't have enough when I get it. You know this lady, if, if he ain't ready now, do the whole thing later. Quotes ain't gonna do you nothing.
Did you get that one submitted?
Quote, the only leverage you got. Oh dude, I was on and yeah, I had to call support. Yeah, you just can't quote to quote. We got to figure out what we're trying to cover. What's the purpose? Where's someone in trouble? Where do they get— meaning if he had a million bucks and he makes half a million bucks a year, it's a very different conversation than if he has a million bucks, he makes $22,000 a year.
Yeah.
You know what I'm saying?
I think—
meaning, I think I'm not so—
go ahead.
Yeah, meaning like, how much is his mortgage?
I asked him if, you know, what would the— what was the goal? Is there a mortgage that he's trying to cover or anything? He said, he said, no, I just believe in having you know, X amount of my income in life insurance or something like that.
Okay, so financial inventory, bro. This game don't work without it. Quotes ain't how we sell insurance, life insurance. It might be how you sell P&C stuff, but it is not how we sell life insurance. Yeah, need more details, bro. Take control. Hey, everything you said, you let him control that whole conversation. I'm here for you. It's your time, whatever you want. That ain't, that ain't the game.
Yeah, doesn't look like things got Updated correctly.
Looks like you responded.
I must have went wrong when I set the initial appointment because I had it on here for like 1 PM my time. And then when I called him, since you're serving the army, is that correct? He was like, he's like, you know, yeah, he remembered me. And then first of all, thank you. I could tell he was like, were you looking for justice? He's like picking up a part or something like that. And I was like, I probably should have just like pushed it back again.
But again, even if you don't push it back, Don't skip the process. Hey guys, just created something really cool, and if you want to be part of it, join the Discord group I just created. The link is going to be in here. It's a dope environment. You can, um, chat with others that are kind of in the community. You can see behind the curtain of our agency, have access to all kinds of stuff that we got going on, events, and my staff is in there. Um, we have agents in there selling, me helping agents and sharing information. We're going to, as we build this this thing out, share everything out there with all of you guys. So again, follow the Discord if you want to be part of everything we got going on. Join it now. We'll see you in there. Hope to help you more. You know what I mean? Remember, your job is to solve a problem. You know what I mean? I mean, you don't— yeah, you don't have any information on the guy. So you got nothing to solve, bro. Just a wish and a dream. He could have got that quote on Google in 4 minutes without you.
Yeah.
You know what I mean? Your job's to service them. It's no different than saying, my tummy hurts, I'm gonna Google it, or I'm gonna go to the doctor. The doctor's gonna ask you a series of questions, maybe give you some tests, he's just gonna throw you out some meds. But if you want that, you can go online and get any meds you want with no questions. You know what I'm saying?
Yeah.
So you just gotta— you gotta control the process, that's all. Just keep working on it, dude. It's normal. What's red mean?
Oh, that means they told him to die.
They told you to fuck off?
Yeah.
I'm definitely going for one of those. 3-5-2.
Like, Devon doesn't ever do red.
He doesn't?
No, barely ever does he ever make it red.
He's a fucking prince. Oh, doesn't make it red? Yeah, he made that red. Yeah, so they really told him to fuck off. Oh, this is Cindy calling me back. Go back to Cindy. Hurry up, go back to Cindy real quick. I think— there we go. Where's she at? Right there. Hello, this is John.
Yeah, hi John. Oh, you just called me.
Oh, what's your name? This Cindy?
Cindy.
Oh yeah, okay, cool. I was actually just getting back to you. Um, just need to verify something real quick. You had reached out to my office about getting you some pricing or something on some insurance.
And, no, no, no, no, no, no, no. I'm sorry.
I'm—
I'm not doing that now. I've already finished that up and I already have it with some of the— with Fidelity. Oh, I appreciate you.
I think that's what they got me calling for.
You call me?
No, I think they got me calling you to make sure. I think something here says that you ain't in the best product you could get. That's what it's— it's got a little star next to your name.
John, do me a favor. I don't want to be rude, and I'm not rude, so that's good. Politely asking you to take me off your call list, okay?
That's what I'm trying to do, is to get you the info so they can stop making us call you.
Okay, thanks.
If you let me verify your info, they'll stop having me call you.
Why do you have to verify my info? Just verify my phone number and take it off your list.
You ever had a boss that was an asshole?
Uh, yeah, I know.
No, for real. Shit, you should come work for mine. It's a pain. I don't know. I don't know. He just— he pays me to call people. I don't have that button. Nah, they don't give me access to that button. I'm too much of a newbie.
Thank you.
All right, we'll try you again later.
Hello?
Okay, I'm trying to help you get you off the list then. If you let me— I know how to do it. You just won't let me do it because you're trying to hang up.
All right, what do you want?
If you give me like a minute, I'll go through the process to verify and get you all the info, and magically, and I got you at a— Yes.
No.
Oh, changed.
Yep.
All right, well, that don't work then. You're not in anymore, are you? Still?
No.
Yeah, I thought might be The only other— you want to send me the new address so I can get it, get all the info to you?
No. Uh-huh.
No, we'll have it your way. Appreciate you. Okay, talk to you tomorrow. For $20,000 or $100,000?
Yes, ma'am.
Bye. Yes.
Bye.
All right, I gotta roll, y'all. That was fun. Play again another day. All right, so probably not like your upline's phone script there. I, um, I dialed all old leads that no one else could get on the phone, and a majority of those ones that hung up on people. So if you're looking for more of that on how to overcome real-world actual scenarios and the shit you're dealing with, YouTube memberships. I'm going to be getting on and coaching a ton of people, not only on my team but some of y'all, and going through real-world things. And every once in a while I'll get bored and I'll get in and dial and show you how it's done. So join now if you're interested. There's already hours and hours and hours of content in there. As soon as you join, it will already be available to you. I'm spending 2 3 hours a day sometimes in there coaching guys and girls on, on everything they're doing. So plenty of content. We didn't know what to do with it, and this was all Reese's idea, like, yo, let's do memberships. So I'm in. Behind the Scenes Access, join now.
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