To be up front, the reason for the topic is I have been hired by a company to focus primarily on life insurance, which is something slightly new to me. The topic is always touchy when talking with people in person or even on the phone so I figure here we can just be blunt and say what we want.
Most people that I have talked with that aren't interested immediately have the same objections. I don't need it. Can't afford it. Work has it. These answers I find are typically used by those that do not want to be "sold" or feel insurance companies are just out to screw people (this is my opinion). When bringing up what their spouse, kids, or other family would do in a tragedy people seem to get mad or defensive. What I'm trying to do is figure out how to bring down these walls to show the importance of that and I think BG could share some great points on what they feel about the subject of life insurance.
1: Do you have it? Why? Why not?
2: Have you just never looked into it?
3: How much do you have? How did you come to that figure? (If not wanting specifics, just say something like a lot or what we need and like, mortgage, college, etc). What type of policy(s) do you have?
4: Have it through work. Do you know what type of policy you have? No? Why? What happens if work drops the benefit, goes out of business, etc?
EDIT: Should've mentioned, I also do auto and home. If you're in Michigan and would like to chat privately, feel free to PM me.