DISTURBING QUESTIONS

INCOME PROTECTION : Ideal for young couples starting up a family.

Age range : 25 to 40

1. The day you walk out your salary stops. But your family goes on living?
(Pause to emphasize and look at his eyes) From whose income?

2. Do you want to use your hard-earned money to pay the final expenses or
do you want to use my company’s money?

3. This premium means food on the table, education for your children and all
the other basic necessities you are providing for them now. So why spend
money on luxuries when there are necessities to be paid?

4. If tomorrow you no longer qualify as moneymaking machine and your

ability to earn is lost, where will your family get their income?

5. If you can’t afford now when you are still earning how will your family
make it without your income?

6. How many people are depending on you? What would happen to them
without you?

7. Does love ask – “How much does it cost? “

8. You will give your life for your children, why not insure your life for
them?

9. If you have trouble living with your present income, how do you expect
your family living without it?

10.We have heard of a bankrupt business, but what about a bankrupt family?
How do you like your children to live in one?

11. May I talk about the P1M I owe you?

12.The basic purpose of Life Insurance is simply to create Cash. Don’t you
want it done now for your family?
13. Does your responsibility to your family stop at the moment of death?

14. Which one is worse - a home without a mother, or a mother without a

home?

15. Do you believe in family planning? Then you must also believe in
financial planning? Not having one is financial suicide.

16. Why expose your family the danger of income termination by not getting
this plan now? If you’re concern of the expiration of your car insurance, what
about your own insurance?
 DISTURBING QUESTIONS

BUSINESS INSURANCE : Includes Estate Tax , Loans, Inheritance and

other concerns.

1. Our tax structure is so realistic that it becomes a major problem to

accumulate an estate. Do you want to keep 100% of your estate or do you
want to share 20% of it with the BIR?

2. Who would you like to become rich – the Government? Your Creditors? Or
your FAMILY?

3. Who is more in a position to solve your estate tax problems – Your widow?
Your children? Or my company?

4. How much time will your children need to sell some of your properties so
they can get the fair market price?

5. There will always be bargain seekers interested in your properties. Is that

how you want your family to liquidate your assets?

6. What have you done to protect your assets from divorce, bankruptcy or
creditors?

7. How do you transfer your assets to your children and make it fair?

8. Who do you know will pay your creditors/banks?

9. After your gone, will your children still speak to each other or fight over
your assets?

10. How do you transfer your business to your children and make it fair?

11. Who do you know will pay your loans?

12. After you are gone, will your children speak to each other or fight over
your assets?
13. How long did it take you to earn your first Million? Do you want to keep
it?

14.You are the biggest asset on the balance sheet. Why shouldn’t you be
insured for what you are worth?

15. Do you want to raise your children in a Dysfunctional Family

- Not trusting each other
- Not talking to each other
- Not caring for each other All because of money and inheritance?

16. Are you insured for what you are worth?

 DISTURBING QUESTIONS

RETIREMENT INSURANCE : Age 60 to 80

1.In your retirement years, are you sure that you will not outlive your savings?

2. Your tomorrows – what are they worth?

3. How comfortable do you want to be when retirement years come?

4. When do you spend more- on weekdays or during weekends?

Retirement is a long weekend.

5. How do you like to buy the future at today’s cost?

6. When retirement years come, do you want your children’s inheritance

or do you want to distribute it?

7. If you retire at age 6o, can you afford to live comfortably up to age 75?
That’s why anything less than P 100K a year is not a decent retirement
for you.

8. Have you ever done any financial planning lately?

9. Do you already have an ATM Retirement Account?

10.Do you know that what is enough today may not be enough 10 years
from now?

11. At what age do you want to retire? And if given the choice how many
more years do you want to live before you expire? Because if you don’t have
the money to retire you might as well expire.

12. Since there is a need for us to plan for our retirement, do you know
that there are 2 stages in our retirement years?
a. Happy Stage:
- 60 to 70 years old
 - Financially and physically independent. You still have the
money to enjoy your retirement years and you can still move
around to travel.

b. Sad Stage:
- 71 and over
- Financially and physically dependent on others
- Illness sets in and medical care and other expenses will
increase while fund has been depleted
Are you financially prepared when this happens?

13. When do you intend to retire?

14. If you retire at age 60, can you afford to live comfortably with your
retirement fund for the next 15 to 20 years?

15. Do you know that the cost of living is more costly than the cost of dying?
 DISTURBING QUESTIONS

DISABILITY INSURANCE : Total disability due to accident or illness is no

respecter of age or position. Since accidents or illness can happen any time to
anybody (and it does not make any appointments), lifetime savings can easily
be depleted in no time. Most people don’t mind dying without insurance but
everybody is concerned of using up their savings due to illness or disability.

1.If tomorrow you have a stroke – who’s going to feed you, wash you and,
most of all, continue to pay your salary?

2. When you are disabled, do you prefer cash or sympathy?

3. When you will be a regular resident in the hospital, would you want me to
send you a card or a check?

4. It takes a loving & caring father to take care of a wife & 4 children. But it
takes an extra-ordinary wife to take care of a disabled husband and 4
children. Have you heard of an incomplete heart attack?

DISTURBING QUESTIONS

1. Mr. Prospect, if you don’t do anything what will you do?

2. “The Lord provides” – Who do you think sent me?

3. Can I ask you something? Can you postpone – accident, illness or death? Even
old age, can you postpone it?