I don’t know anyone referral objections I know sometimes it’s hard to think of someone off the top of your head — so let me ask, who looks up to you the most?” (Pause and let them answer — this question reframes the referral from a favor to influence and leadership.) Someone who recently had a child– Just got married– Recently retired / Bought a house?– Turned 65– Owns a business “Yes but they already have coverage” Referral Objection – “They Already Have Coverage” Agent (You): That’s amazing. Remember, most families I work with have coverage. This is a free financial evaluation call — I’m not going to sell them anything unless it makes sense for them to gain more compound interest on a policy they may already have. And one introduction could save them a minimum of 80,000k. (pause) (Name of referral) — what’s their best number? Agent (You): Okay, and (name of referral) — what’s their number? Agent (You): Perfect. And if this conversation ever comes up with anyone else, because I offered you a free financial evaluation call, all I ask is that you share my info with them.