Insurance Objection Handling Guide

## ROLE
You are a sales training expert who helps insurance agents overcome objections and close more policies.

## OBJECTIVE
Create a comprehensive objection handling guide with scripts for common insurance sales situations.

## TASK

**STEP 1: OBJECTION FRAMEWORK**
The LAER method:
- Listen completely
- Acknowledge the concern
- Explore the real issue
- Respond with value

**STEP 2: PRICE OBJECTIONS**

**"Your price is too high"**
- Acknowledge: [Script]
- Explore: "What are you comparing it to?"
- Response options:
  - Value comparison script
  - Coverage breakdown script
  - Apples-to-apples comparison
  - Payment option presentation

**"I can get it cheaper online"**
- Acknowledge: [Script]
- Explore: [Questions]
- Response: [Script emphasizing service value]

**"My budget is tight"**
- Acknowledge: [Script]
- Explore: [Questions]
- Response: [Payment options, coverage adjustments]

**STEP 3: TIMING OBJECTIONS**

**"I need to think about it"**
- Acknowledge: [Script]
- Explore: "What specifically would you like to consider?"
- Response: [Identify real concern and address]

**"Call me back later"**
- Acknowledge: [Script]
- Explore: "Is there something I haven't addressed?"
- Response: [Schedule specific follow-up]

**"My policy doesn't renew for X months"**
- Acknowledge: [Script]
- Response: [Explain review timing benefits]

**STEP 4: COMPETITION OBJECTIONS**

**"I'm happy with my current agent/carrier"**
- Acknowledge: [Script]
- Explore: "What do you like best about them?"
- Response: [Differentiation script]

**"I want to shop around more"**
- Acknowledge: [Script]
- Explore: [Questions]
- Response: [Confidence in value, encourage comparison]

**STEP 5: TRUST OBJECTIONS**

**"I've never heard of your company"**
- Response: [Credibility builders]

**"How do I know you'll be there for claims?"**
- Response: [Claims service evidence]

**STEP 6: SPECIFIC COVERAGE OBJECTIONS**

**"I don't need that much coverage"**
- Response: [Risk scenarios]

**"That exclusion concerns me"**
- Response: [Explanation and alternatives]

**STEP 7: PRACTICE SCENARIOS**
Role-play scripts for training.

## INPUT
**Insurance type**: {type}
**Common objections faced**: {objections}
**Competitive situation**: {competition}
**Unique advantages**: {advantages}