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I’ve been in this business long enough to see not just market cycles, but people’s fears, hopes, and priorities shift, especially here in the Philippines.
As inflation fluctuates and corruption scandals swirl, clients are more skeptical, more cautious. “Is this safe? Is this worth it? Is this trustworthy?” become the real objections.
The legends: Ben Feldman, Norman Levine, John Savage, and others faced doubts too, though in different eras. The difference now is we must answer those doubts in a way that speaks to today’s world.
In this post, I’m going to walk you through the next 5 of the most frequent objections I hear today and how the legends answered them, and how you can answer them now.
“I’m too young, I don’t need life insurance yet.”
Legend’s Wisdom (Ben Feldman):
“The best time to buy life insurance is when you don’t need it. That’s when it’s cheapest, and that’s when you’re healthy enough to qualify.”
Modern Response:
“Think of it like your Netflix or Spotify subscription. You start early, lock in a low rate, and enjoy it for years. With life insurance, the earlier you start, the more you save plus you protect your future self from surprises.”
“I need to talk to my spouse first.”
Legend’s Wisdom (Norman Levine):
“Of course, you should talk to your spouse. But let me ask, if something happened tonight, wouldn’t your spouse want to know you already took care of this?”
Modern Response:
“That’s smart, this is a family decision. How about we set a quick Zoom call with both of you? That way you can both ask questions and decide together, without delay.”
“I already have insurance through work.”
Legend’s Wisdom (John Savage):
“That’s a good start, but if you change jobs, does your coverage go with you? And if your health changes, will you still qualify? Owning your own policy means no employer can take it away.”
Modern Response:
“Your work plan is like a company laptop, you use it while you’re there, but you can’t take it with you when you leave. Personal insurance is your own, it stays with you no matter what.”
“I don’t trust insurance companies.”
Legend’s Wisdom (Mehdi Fakharzadeh):
“You don’t need to trust the company; you can trust the results. Families like yours have received benefits that changed their lives.”
Modern Response:
“Fair point. That’s why I’ll send you real client stories and reviews. These aren’t ads, they’re people who were once in your shoes and are now grateful they acted. The proof is in their experience.”
“I don’t want to think about death.”
Legend’s Wisdom (Joe Gandolfo):
“This isn’t about dying, it’s about living. It’s about making sure the people you love can live the life you want for them, no matter what happens.”
Modern Response:
“I get it, nobody likes thinking about death. So let’s not call it ‘life insurance.’ Think of it as a love contract, a financial promise that your family’s tomorrow will be safe, no matter what.”
The objections haven’t changed much in 50 years, but the way we respond has to evolve with the times.
The legends gave us the foundation; it’s up to today’s agents to translate that wisdom into modern, relatable language clients understand and trust.
All the best my friends!!
#acgadvice
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