Part 1

First Name —

Last Name —

State —

Time Zone —

Call Time —

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KAIROS AILEGACY BUILDERDynamic Script

Find the client

Pick an appointment, a live transfer, or look someone up — or start an empty script.

Appointments

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⚙ Agent settings

First Name

Last Name

Phone

State

Time Zone —

Call Time

—

1

Introduction

Yeah, [Client First Name]? [Agent Name] here calling for our mortgage protection appointment — how are you? Good day so far?

Personal Story ▾

Tell this story no matter what they answer or say.

I'll give you this one for fun and then we'll dive in here. 20-month-old daughter sitting on the couch the other day with one of those yogurts, you know the drinkables... Misses her mouth, pours it all over herself, all over the couch, and she just starts giggling! So look, all I'm saying is that if you and I can have as much fun on this call as she had covered in yogurt the other day, I think we're going to be in great shape.

But fill me in. When you saw the ad where they were talking about a death benefit for your family, living benefits for you, no medical exams... what was it that caused you to want to look into this further?

Awesome, so let's do this. Let me make sure I've got the right information for you so that I can pull accurate numbers

2

Verify Information | Personal & Mortgage

It says here that you're __ years old. Is that correct?

And what's your Date of Birth?

And do you have a spouse or co-borrower?

Other name

Other Date of Birth

What's their Date of Birth?

And I see that you put in a range for the mortgage. What do you still owe specifically?

How many years until you expect to have that paid off?

Okay and then taxes, insurance all in. What are you paying per month on that mortgage?

And the monthly payment on the second mortgage?

Ok and then some day when you pass away, who do you want your house to go to? Who would be the beneficiary?

You got it and then are you working or rather what do you do for work generally?

Primary

And then just a ballpark income for you, either per month or per year.

Primary

And, do you have any kids? Okay, and what are their ages?

3

Health History

Defaults to "No" — select "Yes" to add details

Let me introduce myself a little bit better. I'm a national top producer with [Company Name] and I help my clients shop the top 25 to 30 A-rated carriers so that I can get you the most amount of coverage for the least amount of money (with the living benefits).

So what I'll do is ask you a couple of health history questions real quick, and that will help me narrow down the best options that you'll qualify for, okay?

Do you smoke, or use any form of tobacco or nicotine products? (If no) And you're not planning on starting this weekend, are you?

Primary

Other

Primary

Other

Have you had anything major happen with your health like cancer, stroke, heart problems...anything like that?

Primary

Other

Primary

Other

Any minor health conditions like high blood pressure, diabetes, rheumatoid arthritis?

Primary

Other

Primary

Other

Any respiratory issues like asthma, sleep apnea, COPD?

Primary

Other

Primary

Other

Anything along the lines of depression, anxiety, anything like that?

Primary

Other

Primary

Other

In the past 10 years, has a doctor prescribed any other medications, even if you never took them or never had them filled?

Primary

Other

Primary

Other

Have you had any surgeries or hospitalizations in the past 10 years?

Primary

Other

Primary

Other

(for MPP) Have you received any disability or worker's comp pay in the past 5 years?

Primary

Other

Primary

Other

What is your height and weight?

Primary

Other

Have you ever had a suspended driver's license, reckless driving, DUI, anything like that?

Primary

Other

Primary

Other

Have you ever been convicted of any felonies or misdemeanors? You're a model citizen... or, I always joke, at least they haven't caught you yet!

Primary

Other

Primary

Other

4

Set The Appointment

Okay, so it looks like I have everything I will need to do a bit of research and figure out what are the best options you might qualify for…

So once I have had a chance to do that I'll need about 15-20 minutes with you to go over your options and explain how the coverage works.

What time of day are you typically home and off of work?

Okay, tomorrow I have [time slot one] or [time slot two] during that time. Which is better for you (and decision maker)?

⚠ These are generic time windows, not your real calendar — check your calendar before offering a time.

Times below are shown in your (the agent's) time zone — the client's local time is confirmed after you pick a slot.

Okay, and is there any reason you can think of that you wouldn't be home and available at that time tomorrow to go over some options?

Okay, perfect, so I'm going to schedule you for [Time] on [Day].

5

Close & Confirm

Grab a pen and paper. I'm going to give you a couple of things to write down before I let you go. [If they don't, send a text with the info and a photo of your business card or a digital card.]

Okay, so again my name is Anthony Pampena. And our company is called Symmetry Financial Group. And my National Producer Number is <NPN>.

And the number I'll be calling from is <Agent Phone Number>.

Do you guys have a house phone or any other phone numbers that you use?

And [Name], I just need you to understand I am in charge of roughly thousands of families here, so they have asked me to mention that a missed appointment for me does cost me that ability to obviously help those families. Just want to make sure you understand that.

And what time did we say?

So I'm going to get to work doing some research, and we will hop on a call at [Time] on [Day] and go over your options and help you figure out whether there's something that might be a good fit for you, okay? Any questions?

All right, have a good day/afternoon/evening/weekend, and I'll talk to you on [Day] at [Time]!

Do NOT say "thank you"

★

Client Snapshot

Pulled from Part 1 and the CRM — updates live

Something off? Fix it in Part 1 — it carries over automatically.

1

Open & Clarify

C · L

Clarify — why are we here

Hey [Client First Name], it's [Agent First Name] — good to talk to you again. Is now still a good time for the next 15–20 minutes?

Last time we spoke you told me the reason you started looking into this was: [Their Why]. Is that still the main thing for you?

Has anything changed since we talked — health, the mortgage, work, family?

On a scale of 1–10, how important is it to you to get this handled?

Label — say their problem back

So if I'm hearing you right — if something happened to you, you want to make sure [Beneficiary] keeps the house and isn't stuck with a [Mortgage Balance] mortgage and a [Monthly Payment] payment every month. Is that right?

2

Overview & Outcome

O · S

Overview — what they've tried

Do you have any coverage in place right now — through work or on your own? How much, and do you know if it follows you if you leave that job?

Have you looked at anything before? What kept you from getting it done?

Sell the outcome

Here's what we're really solving for. If you pass away, the mortgage gets paid off and the house goes to [Beneficiary] free and clear. And if you get sick — heart attack, cancer, stroke — the living benefits let you pull from the policy while you're still here, so you're not choosing between treatment and the house payment.

How would it feel knowing that's handled — no matter what happens?

3

Present Options

E

Based on your health and the mortgage, I shopped the A-rated carriers and narrowed it down to three options. I'll walk you through each one and you tell me which feels most comfortable.

Option 1

Option 2

Option 3

Out of those three, which one makes the most sense for you and your family?

?

Objections

Tap to open a response

"I need to think about it"

Totally fair. Usually when someone says that it's one of three things — the price, the coverage, or whether they trust the company. Which one is it for you?

"I need to talk to my spouse"

Makes sense — it's a family decision. If they were on the phone right now, what do you think they'd say? Is there any reason we can't get them on for two minutes?

"It's too expensive"

I hear you. What number would feel comfortable each month? Let's build the coverage around that — some protection in place beats none.

"I have coverage through work"

That's great. Two quick questions — does it follow you if you leave or retire, and is it enough to pay off the [Mortgage Balance] and replace your income?

"Just send me something"

Happy to — the issue is the rates I'm showing you are based on your health today. The application is free and takes about 15 minutes, and if you change your mind you can cancel. Want to lock it in while it's in front of us?

"I want to shop around"

That's exactly what I just did for you — I'm not tied to one company, I compared 25–30 carriers. What would another quote need to show you to be better than this?

Objection notes

4

Close & Next Steps

R

Perfect. Let's get the application started — it's just a few questions, same as we did last time, and then I'll walk you through exactly what happens next.

Outcome

Carrier & product applied for

Face amount

Monthly premium

First draft date

Follow-up date (if not closed)

You're all set. Over the next few days the carrier may call you for a quick phone interview — just answer it the same way you did with me. Save my number, [Agent Name], and text me with anything. Who else in your life should have this kind of protection in place?

Referrals

Appointment notes

Customize Your Script

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Last Name

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NPN

Phone Number

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Time-of-Day Windows (used by the day/time picker in Step 5)

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