Browse this list of potential phrases and questions to help guide you:

• Don’t you have a spare tire in your car even though you may never need it?  That’s the same reasoning behind an insurance program.
• Medical bills and death cost a lot of money.  Your parents paid your way into this world – but they should not have to be responsible for paying your way out.  This plan is really for their benefit.
• By now, you have been in the business world long enough to know that more opportunities are lost by indecision than by wrong decisions.
• If you save money the next five years as you have the last five years, what will the total figure be?
• You have a good lifestyle and plans for the future.  But everything hinges on your paycheck, doesn’t it?  That’s what we will replace when you are unable to work because of illness or accidental injury.
• Four gallons of gas a week – that’s all that the premium deposits will be for this plan.
• Most people borrow more money in their lifetime than they save.  Right now, you’re in control of your finances and you can avoid making that same mistake.
• Let me put it this way: when you’re in the hospital, do you want me to send you a get well card, or a check?
• Don’t you agree that part of everything you earn should be yours to keep?  The only way to accomplish that is to pay yourself first – before you pay everyone else.
• Most of the old people you see in minimum-wage jobs aren’t working because they want to – they don’t have any choice.  They neglected to make financial plans for their future.
• You’re spending nearly $500 a year just to insure a car that’s worth $5,000.  Doesn’t it seem reasonable to insure your future earnings which are worth hundreds of thousands of dollars?
• Any banker will tell you that the cash values of life insurance are prime collateral when you want to borrow money for business opportunities.
• Group life insurance is a fringe benefit that’s subject to change – even cancellation – by your employer.  Individual life insurance is your property, subject to your control, no matter where you go or who you work for.
• Every person has the right to gamble with their own future.  But do they have the right to gamble with their family’s future?
• If you died tomorrow in an auto accident because the other driver was entirely at fault, how much would you want your spouse to sue for?
• Wouldn’t your children be named the beneficiaries so they would receive the benefits of this life insurance?  Wouldn’t they also be the ones who would lose the benefits if you don’t buy it?
• It wasn’t raining when Noah built the ark.  He was planning for the future – and that is the reason for a sound insurance program.
• Can you think of any other property purchase agreement where the deferred payments are cancelled upon the death of the buyer?
• Someone has to assume the financial risk on your life – either your family or an insurance company.  Which of the two is in the best position to assume that risk?
• All our lives, we’ve been accustomed to receiving second chances when something goes wrong.  However, if you die without adequate life insurance, your family will not receive any second chances.
• “[Name], would you get angry at your husband if he started this plan for you and the children?”
• The strength of an insurance program is that it lets you know exactly where you stand right now, and at any time in the future.  It means security for your children and peace of mind for you.
• When you have disability insurance, we will pay you a regular income while you concentrate on getting well.
• Let’s start sending some of your money ahead on a round trip ticket instead of one way.
• If you really want the money available for your daughter’s education, it takes planning – not dreaming.
• If you’re having a tough time getting by on your salary, how well do you think your family will get by without it?
• They can say “I don’t need it,” but can you say, “Your family won’t need it?”
• A monthly payment of $4,000 to a widow or widower is worth more than $8,000 a month to a husband or wife.
• The most valuable asset that a parent can leave his or her children is their other parent’s time.
• No one ever plans to fail, but many fail to plan.
• More good things are lost by indecision than by the wrong decision.
• If it’s worth 7% or 9% to live in a house now, isn’t it worth another percent to be sure that your family will always live in it?
• Someone always pays for life insurance, whether a person buys or not: the question is, “who?” – the person or the dependents?
• They say, “Come back in September.”  You say, “Whom should I ask for if you’re not here in September?”
• How much would your spouse sue for if you were killed as a result of the negligence of a large, commercial company?  If that’s what you think you’re worth, that’s how much life insurance you should have.
• Could a parent write a more sincere love letter than an application for life insurance?
• Does your insurance go direct to your family or does it go through the courts?
• Said by a parentless college graduate, “I don’t remember my father that well, but thanks to life insurance, I know my father sure remembered me!”
• Spouses might not believe in life insurance, but widows and widowers always do.
• May I talk to you about the $250,000 I owe you?
• The future will take care of you, if you take care of the present.
• Are you working for money or is money working for you?
• Life insurance is a shield to protect you from what you can’t see coming.
• How do you know that I won’t be the last producer you see?
• Life insurance isn’t an added obligation; it’s the best means for meeting the obligations that you already have.
• No need?  True:  If you knew you needed life insurance, you couldn’t get it.
• You would give your life for your children, so why not insure it for them?
• I have never met a widowed person who said that his or her spouse had too much life insurance.
• Life insurance is the only plan that will guarantee a known sum at an unknown time.
• You haven’t a need for it yet?  Do you carry a spare tire in your automobile?
• The worst time for a spouse to become a sole breadwinner is when he or she becomes a widower or widow.
• If you wouldn’t like to live the rest of your life on the current amount of your present insurance, why do you expect your spouse to?
• “Insurance poor” applies now, and it can apply when you’re on your deathbed; however, the meaning changes completely.
• Show me a person who doesn’t believe in life insurance and let that person die for five minutes.  That will change his or her mind.
• Income is provided for a widower or widow by his or her spouse.
• Losing a parent is bad enough, inheriting a part-time parent makes it worse.
• You can put me off, but you can’t put off my competitor — death.
• You can’t take it with you – it’s usually gone before you are.
• Life insurance is prepaid tomorrows.
• Life insurance won’t keep people from dying, but it will keep their plans from dying with them.
• If you save as much in the next 20 years as you’ve saved in the past 20, would it be enough to take care of you for the rest of your life?
• Any partnership that operates with only a proper buy-and-sell agreement – but no insurance to back it up – is living on borrowed time.
• Your child may have a “right” to a good education, but it’s going to take money to exercise that right.
• Will you last as long as your mortgage?
• Whatever reason you have for not starting this plan now, will only sound ridiculous to your spouse after your death.
• You finish the job if you live; we finish the job after you die.
• Can you think of a finer asset at 65 than an income you cannot outlive?
• It isn’t easy to be old or poor, but it’s a great deal worse to be both.
• If you had a machine that turned out money, you’d insure it, wouldn’t you?  Well, as far as your family is concerned, you are such a machine.
• If you live, it’s thrift; if you die, it’s insurance.
• Life insurance is the only way to fund your will before you make your money.
• Is your life insurance adequate in relation to today’s cost of living?  How about in relation to tomorrow’s cost of dying?
• Bills don’t stop when the paycheck does.
• I sell money.  I’ve got something that guarantees that your spouse and children will continue to receive your paycheck in the event that you are no longer around to receive it yourself.
• When a parent dies, there are three deaths in the family:  the husband or wife, the father or mother, and the income.
• If you would find it hard to get by without a paycheck for one month, what about the hardship to your loved ones if all your paychecks stopped?
• You can do more for those dear to you in a few minutes now, than 100 years after you are dead.
• To be underinsured is the greatest gamble you can take, and it’s a particularly tragic one.  For if you lose, it’s not you, but your family who pays.
• The more you are worth, the more your dependents stand to lose.  The less you are worth, the less you can afford to lose.
• Death comes every day to someone and someday to everyone.
• Death is quicker than inflation.
• Will Rogers said, “I’m not as much interested in the return on my money as I am in the return of my money.”
• The longer people go without life insurance, the less chance they have of getting it, and the more it costs them.
• The only person who takes a chance on life insurance is the one who tries to do without it.
• Why not arrange your affairs so that working after age 60 or 65 is optional?
• This is the only self-completing plan in case anything happens to you.  Other plans pay only what you have had time to save.  Life insurance pays only what you intended to save.
• Tomorrow’s happiness is today’s business.
• There is a saying, “You cannot do a kindness too soon, for you never know how soon it will be too late.”
• You are your family’s trustee.  By delaying, are you a good trustee?
• For your children, life insurance means “parents who loved us.”  Can money buy more than this?
• You expect to send your children to college if you are able.  But 1 in 5 parents will never live to see their children attain college age.  Unless you do something about the risk, you are gambling with your children’s future.
• If you’d started this plan 10 years ago, wouldn’t you be better off today?
• A widower or a widow is as unprepared to live as his or her spouse is financially unprepared to die.
• Earning money is easy, but managing it successfully is hard.  Life insurance makes its owner a successful manager of money.
• No money?  Mr. or Mrs. Prospect, you don’t want that to be permanent, do you?
• Whether you buy insurance or not, you cannot make an intelligent decision before you study the facts.
• Would you like to help your family achieve this goal, or do you want them to do it alone?
• Life insurance is really nothing but money.  You may think that you don’t need life insurance, but can you say that you don’t need money?
• The self-respect produced with this program will be a real value in your future.
• Aren’t you placing your spouse in an unfair position if anything happens to you?
• You don’t buy a life insurance policy; you but an education for the kids, a lifetime income for your spouse, a pension for an old person.  You also buy a piece of mind, happiness, and contentment when you buy life insurance.
• When you hear of a person leaving town and deserting his or her family, you may say that person is a poor citizen.  Leaving a family by dying is not anyone’s fault, but the financial outcome to the family is no brighter than if the person had walked out.
• You cheerfully spend a considerable amount of money each year to insure your home and car.  Why don’t you invest half that amount to guarantee your family’s well-being?
• Life insurance is not something you “buy.”  It is an instrument to carry out your plans.
• Life insurance costs money, yes, but lack of life insurance costs even more.  Lack of insurance could cost your family their home and your children a fair start in life.
• You speak of life insurance as a luxury.  Do you consider food, clothing, and shelter luxuries?  These necessities are what life insurance provides.
• The biggest job of financing that a person is ever called on to do is financing old age.  Do you have an installment plan for financing your spouse’s later years in case you die prematurely?
• This is merely an option calling for the future delivery of a large sum of money – an option that will never again be offered to you at such a low price.
• Life insurance is called “life insurance” because it insures the future living of those you leave behind.
• Paying for life insurance isn’t spending money, as much as it is putting money aside until the point in life when you or your family needs it most.
• Do you protect yourself for the possibilities and neglect the certainties?  There is only one fire for so many fire insurance policies, but there is one death for each and every life insurance policy.
• Taxes are too high?  That’s a very important reason to buy life insurance.  Only life insurance can turn the small amount of money that you have left – after living costs and taxes – into real money for your family when you die.
• Life insurance makes your money work for you when you are through working for it.
• Other investments ask a dollar and promise a few cents; life insurance asks a few cents and promises a dollar.
• You don’t want cheap coverage; you want the best.  You want something better than cheap coverage for your family.
• If you knew that you were going to die tomorrow, you’d get the money to pay for this policy somewhere, wouldn’t you?  How do you know you won’t die tomorrow?
• Do you know of any other property purchase agreement where the deferred payments are canceled upon death?
• When life insurance is actually needed, it can’t be purchased at any price.
• If you where wholly dependent on your spouse’s earning power, how much insurance would you want him or her to carry in your favor, and when would you want your spouse to put it in force?
• By purchasing life insurance, you are able to immediately accomplish what otherwise could take a lifetime.
• The monthly checks will be signed by the company, but your family will know that they are from you.
• It is an inescapable fact that the majority of married women will someday be widows, since women, on average, live longer than men.
• You’re betting that you’ll outlive your family, and your family is the stakes.
• Have you ever attended an auction that was held because of estate tax liabilities?
• Life insurance is a shortcut to the longest journey of life.
• You can create more of an estate with one stroke of a pen than most people can create in a lifetime.
• If you die, the bank pays what you have saved:  the insurance company pays what you meant to save.
• Did you ever hear of people worrying about the financial safety of their life insurance?
• There is nothing more uncertain than death, and nothing more certain than life insurance.
• How much would you charge for the rights to all of your future salary checks?
• The day that a person dies, his or her business becomes a speculation.
• Where else can a person purchase peace of mind, dignity, respect, confidence, and happiness all in the same package?
• A savings account is a wonderful vehicle for accumulating a cash fund.  However, it can never provide protection for the depositor’s family if he or she dies before making the second deposit.  Life insurance will!
• Show me a person who owns adequate life insurance and knows why he or she owns it, and I will show you a happy person.
• One of two things is certain:  either you will live a long life or you will die prematurely.  If you live, you will need money, if you die, your family will.