Benefits for Veterans was created because 90% of the vets I (Ben) ran across while living near a base in NC, had little to no idea how their VA benefits worked, especially life insurance. Once I started to see the aftermath of a family dealing with a death and no money for the funeral let alone the expenses left behind, I knew it was a bigger issue. I started Benefits for Veterans as an informational hub to educate vets on the things they can, and can’t get from the VA. Many vets feel exploited by people that try to sell things to them, so it is very important every agent representing B4V understands they are there to explain and guide vets or their family through the process of protecting themselves and their family where the VA will not.
Hey is this ______?
(Client response- if given an objection, please see objections below for how to handle)
Great, this is ______, with Benefits for Veterans, how’s it going?
(Client response)
[FOR SECOND CHANCE: do you remember anyone reaching out about a month ago from Benefits for Veterans?
Ok great, well your file is still open so it looks like we haven’t helped you yet, do you remember what it was you were looking for back then?]
“Before I get started”…(ask for the following)
Ok, let’s see what we can do for you. Now, before I ask you some health questions, do you know what Benefits for Veterans does for vets?
(Client response)
You probably know this by now but the VA doesn’t have many life insurance options for veterans and most veterans can’t even qualify for them due to the VGLI application window being only 120 days after being discharged… So, we help veterans understand how these VA coverages work, how to get them, and what partner programs might be a better fit for them.
Now, are you aware of the different types of life insurance, and how they work?
(Client response.. if now, then explain)
Which one sounds right for you?
(Client response)
Great, now I just need to ask a few health questions and we can see which company will give you the best rate!
Health Questions- If client says yes to any of the below- make sure to ask about medications, when they were diagnosed with it, and any other relative information.
Now, let’s say you don’t come home tomorrow… will your family members be able to handle the expenses?
(Client response)
Great question, we actually exist to help vets understand what the VA offers and doesn’t, and we offer partner programs that help vets get the best and lowest cost life insurance available. Are you aware of how the VA’s life insurance policies work? (see VA life programs)
Awesome, and just so I’m not telling you what you already know, do you currently have VA coverage or personal?
Ah gotcha, do you have a rating now? No? Ok so we want vets to know the process to increase their rating because it’s long and doesn’t guarantee they’ll receive anything. What you’ll have to do is prove beyond a reasonable doubt that you’re fully disabled which will disqualify you from any kind of quality or cost effective life insurance and you’ll be stuck paying 100s for a basic burial policy. So you can have both but we HIGHLY recommend taking care of your family’s financial needs first then applying for your rating.
And you said you only have the life insurance the VA offers right?
– (last question is super important because $300-2k isn’t enough to cover basic burial, let alone leave anything for the family. At this point it’s a regular appt.)
