Cover The Cost (COI Anthem)

Verse

It’s a call that’s tough, we know it’s true,

They’re asking why the cost just grew.

Universal Life, it’s not the same,

Each year the numbers play a different game.

Cash Value’s low, they’re feeling stressed,

But you’ve got the tools to help them best.

Explain the charge, the monthly fee,

It’s COI — not a mystery.

Chorus

Cover the cost, keep the policy strong,

It’s not just the premium all along.

There’s admin fees and loads that weigh,

But you can help them find the way.

COI climbs as the years go by,

It’s in the statement, bottom line.

You’ve got the heart, you’ve got the skill,

To guide them through and help them still.

Verse

Check the tabs, review the plan,

LPB or NLG — where do they stand?

If benefits are active, they’re in luck,

But if not, it’s time to crunch and tuck.

Gross and Net — don’t let it slide,

Premium Load takes a little bite.

Do the math, round up the rate,

Give them truth before it’s too late.

Bridge

It’s not just numbers, it’s peace of mind,

A policy lapse is hard to find.

But when you show them what to pay,

You help their coverage stay.

Chorus

Cover the cost, keep the policy strong,

It’s not just the premium all along.

There’s admin fees and loads that weigh,

But you can help them find the way.

COI climbs as the years go by,

It’s in the statement, bottom line.

You’ve got the heart, you’ve got the skill,

To guide them through and help them still.

Outro

"The cost of insurance is more than a number — it’s the promise of protection. And you, CSR, are the voice that makes it clear."