(AD&D) “I understand. Affordability is really important when you are looking to save on expenses. Would you be interested in learning how you can reduce your expense for this coverage while maintaining the benefits provided by this policy?”

IF YES, “Okay, I can send you a letter where you can choose a lower coverage amount.”   Send the REDUCVMN letter

(HAP) “I understand. Affordability is really important when you are looking to save on expenses. I do want to mention that one of the benefits of this insurance is that it pays you (benefit amount) for each day you are in the hospital for a covered injury. Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

(Recuperative Care) “I understand. Affordability is really important when you are looking to save on expenses. I do want to mention that one of the benefits of this insurance is that it pays you (benefit amount) for each day you are in the hospital if you are sick and there is no pre-existing condition limitation for this benefit. Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

(Injury Care Accident) “I understand. Affordability is really important when you are looking to save on expenses. I do want to mention that this insurance may cover over 50 types of injuries, including dislocations, fractures, and lacerations. It may pay you $1,000 more if the injury happens while playing an organized sport. It also covers emergency care, hospital care, and follow-up care for covered injuries. Do you want me to email you a copy of your certificate of insurance so you can review all the benefit amounts by injury that are available to you before you decide to cancel?”

Exceptions to rebuttal – Rebuttal will not be used in the following circumstances. Customer has explained he or she is:

• On a fixed income
• On social security
• Can’t afford rent or other expenses

(AD&D)  “I understand you want to cancel. Before we move forward, I want to mention that there are additional benefits to this insurance, one being the common carrier benefit. The benefit pays twice the amount if there is a loss of life while riding as a fare-paying passenger, such as a cab, plane, or bus. Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

(HAP)  “I can understand your concern (paraphrase the cancel reason) and since no one plans for an accident, it’s a good idea to have this insurance, which could provide additional cash benefits in the event that you (your spouse and your dependent children) are unexpectedly hospitalized for any covered accident. Plus, it can also help you with lost wages and is in addition to what your current insurance might pay or it may be assigned to a hospital or other health care provider. That’s why (financial institution) felt it was so important for you to have. With this in mind, would you still like to cancel your coverage today, okay?” 

(Recuperative Care)  “I understand your concern (paraphrase the cancel reason). Since no one plans for a hospitalization / sickness, it’s a good idea to have this additional insurance which could provide cash benefits in the event that you (your spouse or your dependent children) are unexpectedly hospitalized for any covered accident or sickness. That’s why (Financial Institution) felt it was so important for you to have. With this in mind, would you still like to cancel your coverage today?” 

(Injury Care Accident)  “I understand you want to cancel. Before we move forward, I want to mention that this insurance may cover over 50 types of injuries, including dislocations, fractures, and lacerations. It may pay you $1,000 more if the injury happens while playing an organized sport. It also covers emergency care, hospital care, and follow-up care for covered injuries.

Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

(AD&D) “It’s understandable to not recall something that happened in the past, especially if it has been some time. This insurance has been effective since (effective date).

 IF APPLICABLE, READ: I also show that a name was provided as a beneficiary.

 You should have received a certificate of insurance and a copy of the signed enrollment form included in a mailing that would have arrived approximately 30-days prior to the initial billing. Would you like me to send you a copy of the enrollment form we received and a copy of your certificate of insurance before you decide to cancel?”

(All other products)  “It’s understandable to not recall something that happened in the past, especially if it has been some time. This insurance has been effective since (effective date). You should have received a certificate of insurance and a copy of the signed enrollment form included in a mailing that would have arrived approximately 30-days prior to the initial billing. Would you like me to send you a copy of the enrollment form we received and a copy of your certificate of insurance before you decide to cancel?”

(MNL, HAP) “This is Hospital Accident Protection and it pays cash benefits in the event you are hospitalized due to a covered accident. This protection pays in addition to any insurance you may currently have. With this in mind, would you still like to cancel your coverage today?” 

(Recuperative Care)  “This Recuperative Care Plan is an accident and sickness insurance plan that provides cash benefits to you upon release from the hospital, in the event you were hospitalized due to a covered injury or sickness. This is coverage that pays in addition to any other insurance you may currently have. With this in mind, would you still like to cancel your coverage today?”

(AD&D) “I hear what you’re saying. Let me explain how this product works and we can see if it meets your needs. This is Accidental Death and Dismemberment insurance. While not life insurance, this is great supplemental coverage due to its low cost. Also, many life insurance policies require a medical exam prior to obtaining coverage. With that in mind, would you like to keep this coverage while you shop around for life insurance options so that you maintain coverage?”

(AD&D)  “You have Accidental Death and Dismemberment Insurance that covers for the loss of life, limb, sight, speech or hearing due to a covered injury. You can continue your coverage at the current [$XX,XXX] reduced benefit for as long as you wish, without termination or increase in premiums due to age. With this in mind, would you still like to cancel your coverage today?” 

(HAP)  “You can continue your coverage at the current $_______ daily reduced benefit for as long as you wish, without termination or increase in premiums due to age. The Emergency Treatment benefit will never reduce for any reason. With this in mind, would you still like to cancel your coverage today?” 

(Recuperative Care)  “You currently have Recuperative Care Insurance that pays cash benefits upon release from the hospital, if the event you were hospitalized due to a covered accident or sickness. You can continue your coverage at the current daily reduced benefit for as long as you wish, without termination or increase in premiums due to age. With this in mind, would you still like to cancel your coverage today?” 

(AD&D)  “I’m glad to hear that you’ve made the decision to maintain coverage as it helps protect you and your family due to a covered event. Do you know if the other coverage offers the same benefits? For instance, you currently have the common carrier benefit which pays twice the amount if there is a loss of life while riding as a fare-paying passenger, such as a cab, plane, or bus. Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

(HAP)  “Our hospital accident protection plan pays in addition to any insurance you may have. Benefits will be paid directly to you, to help pay for medical care after a serious covered injury or to use as you like. With this in mind, would you still like to cancel your coverage today?” 

(Recuperative Care)  “Our Recuperative Care Plan is an accident and sickness insurance plan that pays in addition to any other insurance you may have. Benefits will be paid directly to you upon release from the hospital to use as you like, if you are hospitalized due to a covered injury or sickness. With this in mind, would you still like to cancel your coverage today?” 

(Injury Care Accident) “I’m glad to hear that you’ve made the decision to maintain coverage as it helps protect you and your family due to a covered injury. Do you know if the other coverage offers the same benefits? For instance, this insurance may cover over 50 types of injuries, including dislocations, fractures, and lacerations. It may pay you $1,000 more if the injury happens while playing an organized sport. It also covers emergency care, hospital care, and follow-up care for covered injuries.

Do you want me to email you a copy of your certificate of insurance so you can review all the additional benefits that are available to you before you decide to cancel?”

“I understand you don’t want the premium being deducted from your (account type). I can email you a form that you can complete and return to us or you can go to fmservice.com and instantly change the account your premium is being deducted from by entering your credit card or debit card information. It’s very easy to do. Which do you prefer?”

(AD&D)  “I can certainly understand trying to pay off debt. And the great thing about this coverage is that in case of an accidental death, your beneficiary could use this benefit toward that debt. Or, if you experience a covered accident or injury, you could use your payment towards your debt or anything else you need. With that in mind, would you still like to cancel your coverage today?” 

(AD&D)  “You have Accidental Death and Dismemberment Insurance that covers for the loss of life, limb, sight, speech or hearing due to a covered injury. This plan is yours to keep regardless of where you work and even when you’re not working. Your current coverage is paid through (month) with your next payment due (premium due date). With this in mind, would you still like to cancel your coverage today?” 

(HAP)  “This plan is yours to keep regardless of where you work and even when you’re not working. Your current coverage is paid through (month) with your (last payment/current payment due). With this in mind, would you still like to cancel your coverage today?”

(Recuperative Care) “You currently have Recuperative Care Insurance that pays cash benefits upon release from the hospital, if the event you were hospitalized due to a covered accident or sickness. This plan is yours to keep regardless of where you work and even when you’re not working. Your current coverage is paid through (MONTH) with your (next payment/current payment due). With this in mind, would you still like to cancel your coverage today?”