VIVID / Insurance Producers / Free practice
“I already have coverage.” Where do you begin?
Find out what the person wants to understand before discussing another option. Practise a useful next step when the policy details are still unknown.
Two or three decisions. No account needed. Leave with a conversation card you can edit and keep.
“I already have cover through work.”
Fictional teaching example. People, dialogue and product details are invented for practice.
Your role: You are an insurance producer having a preliminary conversation about the person’s protection priorities.
What you know going in
- No policy document or coverage amount has been reviewed.
- Neither the producer nor the person has verified continuation, portability, exclusions or terms.
- This practice compares questions and documents; it does not recommend a policy or determine coverage.
Try a decision
What would you say next?
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Follow the complete worked conversation below, or enable JavaScript to make choices and receive feedback.
Inspect the method
A worked conversation
Person
I already have cover through work.
Producer
What does that coverage help you feel prepared for?
Existing coverage is part of the person’s situation. Ask what they believe it does for them before deciding whether there is an objection to explore.
Person
It helps now. I’m wondering what happens if I change jobs.
Producer
Which terms would you want to verify before drawing a conclusion?
Direct clarification identifies the person’s transition question while keeping current policy terms unknown.
Person
Whether anything can continue, what steps are required, and when I’d need to decide.
Producer
We have not seen your plan documents, so I can’t answer those from this conversation. Would a question list help?
Recap separates the felt need for continuity from unverified policy features and asks permission for a document-based next step.
Person
Yes. I’ll ask HR for the plan summary and certificate.
Producer
We can compare what those documents say with your questions if you want. Any recommendation would need the full facts and the appropriate licensed process.
Consultative mode means comparing the source documents with the person’s questions; it does not make a coverage determination.
A fresh situation
Try the idea somewhere new
A person with an individual policy asks whether a new dependent is covered. No policy or endorsement has been reviewed.
What is the responsible next step?
Task-specific feedback; a choice does not establish skill, professional advice, or an industry outcome.
Make it yours
Practise the words before the call
Say your next question aloud once. Listen for whether it invites correction. Then compare it with the worked example.
Read silently or say it aloud. This page does not record you. Keep real client names and private details out of your practice notes.
Continue learning
One conversation is a starting point.
Build the method around the conversations you actually handle: structured lessons, annotated examples, practice labs and resources you can return to before a call.
Explore VIVID Selling for Insurance Producers$297 once · 365 days of access · Written lessons and practice available now. Course videos are in preparation.