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Recap and Close (Show plans through E-app) They give you 2 plans. The Gold Plan has inflation built in to pay for your funerals, income protected for ____years, mortgage paid off, children’s financial future secure, and each child covered for $10,000 which puts you at $_____mo. The Silver Plan has all the same benefits as the gold with the only difference is being $______ for your final expenses for $____/mo. So, the last question is do you guys think that the Silver is enough coverage, or do you want the extra with the Gold? Great! We’re getting a little ahead of ourselves though. Let’s make sure you even qualify, and we’ll go from there. Closes to Master I want to think about it (Relax first...show visibly that you are relaxed...i.e. sit back in your chair and say) That's fine. I completely understand. I like to think about things before I do it too and, in fact, that shows responsibility. However, do you remember in the mandatory read off letter where they asked if the benefits made sense and fit a need for you that you would take advantage of your open enrollment today. So again, do you guys want the silver or the extra coverage with the gold? I want to think about it x2 Typically, when people say they want to think about it, it comes down to 1 of 3 things. The first issue is that there is some confusion. Maybe I didn't explain everything correctly. Is there anything that you have questions about? The 2nd reason people want to think about it is that you don't see a need for this.Which we know is not the case because you said …. (Recap with them the answers they gave during tie downs. The why.) The 3rd reason is that it comes down to affordability. Is that the case that there is more month than money? I can’t afford I completely understand. sometimes there is a little more month than money for me too. That's why they send me to do your benefits. My job is to find out where your needs and your budget meet, and get you started there. So, let's do this ….. (Drop close) (after making adjustment, recap the total coverage and say) So, they still get $X,XXX for your final expenses (recap total coverage) which puts you at $X,XXXper month, we are getting a little ahead of ourselves because we don't know if you can qualify yet. So, let's see if you can even qualify. (go straight into the supercomb and ask health questions)