# Top 50 Objection Rebuttals by Industry (SaaS, Insurance, Real Estate, Finance)

> A 50-rebuttal swipe file organized into SaaS, Insurance, Real Estate, and Finance, because "too expensive" needs a completely different answer depending on what's actually being sold.

Free script/swipe for sales reps. Topic: [Objection Handling](https://www.peerlab.ai/library/topic/objection-handling/). Published by PeerLab in the [Sales Enablement Resource Library](https://www.peerlab.ai/library/). Source: https://www.peerlab.ai/library/top-50-objection-rebuttals-by-industry/

## How to use it

Find your industry section, match the objection to the closest of the 12 categories, and use the rebuttal as a word-for-word starting point: swap in your actual product, policy, listing, or plan specifics.

## What's inside

- 12 SaaS-specific word-for-word rebuttals
- 12 Insurance-specific word-for-word rebuttals
- 12 Real Estate-specific word-for-word rebuttals
- 12 Finance/Advisory-specific word-for-word rebuttals
- 2 universal catch-all closers usable in any industry
- A consistent 12-objection taxonomy used across all four industries for fast cross-reference

Same 12 objection types show up in every industry, the words a prospect uses to defuse them do not transfer. This swipe file gives you the industry-correct version of each.

## SaaS (1–12)

1. **"Too expensive / not in budget":** "Totally fair, most of our customers said the same before they ran the numbers. What's it costing you monthly to keep [manual process/current tool] running? Our average customer saves [X hours/$Y] in the first quarter, usually more than the subscription itself."
2. **"Need to think about it":** "Makes sense: what specifically do you need to think through: the price, the fit with your stack, or getting internal buy-in? Let's tackle that one now."
3. **"Send me some info":** "Happy to: quick question so I send the right thing: is it the ROI case, the security docs, or a comparison to [Competitor] you need?"
4. **"We already use [Competitor]":** "Good, that tells me you're sold on the category. Teams that switch usually do it because of [specific gap, e.g. native integrations]. Want to see that side-by-side?"
5. **"Need to check with IT/security":** "Smart move, let's get ahead of it. I'll send our SOC 2 report and security questionnaire now so IT has zero surprises."
6. **"Not a good time":** "Understood: is that a resourcing thing, or just not a priority this quarter? If it's timing, let's pencil in the right month now."
7. **"We tried a tool like this before and it flopped":** "What happened: adoption, or the tool just didn't do what you needed? That tells me exactly what to prove before you commit again."
8. **"Not sure this works for a team like ours":** "Fair, here's a customer in your exact vertical who had the same doubt. Want a call with them directly, no rep involved?"
9. **"Your price is higher than [Competitor]":** "It can be, the difference is [e.g. we include implementation and support, they charge extra for both]. Priced in, what's the real gap?"
10. **"We're fine with our current spreadsheet/process":** "'Fine' is doing a lot of work there. What would it take for 'fine' to become 'actually good'?"
11. **"I'm not the one who decides this":** "Got it, who else needs to be in the room? I'd rather loop them in now than have you relay this secondhand."
12. **"Circle back next quarter":** "I'll hold you to that, what changes between now and then? If nothing does, let's start now."

## Insurance (13–24)

13. **"Premium's too high":** "I hear that a lot, what are you comparing it to? A cheaper quote usually means less coverage, and I'd rather show you the gap now than have you find it at claim time."
14. **"Need to think about it":** "Of course: is it the premium, the coverage limits, or wanting a second quote? Let's go through whichever it is now."
15. **"Send me the quote/policy details":** "Will do: is price, coverage, or the carrier's claims track record the main thing you're evaluating?"
16. **"We already have coverage with [Carrier]":** "Good, so you already value being covered. When did you last actually compare rates or coverage? People are often surprised what's changed in a couple of years."
17. **"Need to check with my spouse/partner":** "Makes sense, big decision. Want me to walk through it with both of you together?"
18. **"Not a good time: busy season":** "Understood, but claims don't wait for your calendar. Can we lock in coverage now and revisit the finer details when it's calmer?"
19. **"Bad experience with a claim before":** "That's exactly why I want to walk you through what's covered, line by line, so there's no surprise if you ever need to file."
20. **"Not sure I need this much coverage":** "Let's look at what you'd actually be on the hook for without it. Underinsuring usually costs more than the premium difference."
21. **"Your premium is higher than [Competitor]":** "Possibly, what's their deductible and coverage limit? Cheaper premiums often mean exclusions that show up exactly when you need the policy."
22. **"We're fine with our current policy":** "When was it last reviewed against your current situation? Policies that fit two years ago often have gaps now."
23. **"I'm not the one who handles this":** "No problem, who manages the policy decisions? I'd like to walk them through the gap directly."
24. **"Call me back at renewal time":** "I'll note that: but if rates are moving, waiting until renewal can mean fewer options. Want a placeholder quote locked in now?"

## Real Estate (25–36)

25. **"Too expensive/out of range":** "Got it: is it the list price itself, or the monthly payment? Sometimes we can restructure the offer to hit the number that matters."
26. **"Need to think about it":** "Fair on a decision this size: price, location, or timing of the move?"
27. **"Send me the listing details":** "Sure: are you further along on financing, or still deciding on the area?"
28. **"Already working with another agent":** "Sounds like you're serious about this. What's been missing so far? I don't want to just repeat what you've already heard."
29. **"Need to check with my spouse/family":** "Of course, want to loop them into the next showing so we're not relaying details back and forth?"
30. **"Not the right time to buy/sell":** "What would make it the right time: rates, a life event, or wanting to see more inventory first?"
31. **"Tried before and it fell through":** "What happened: financing, inspection, or the wrong property? That tells me exactly what to watch for this time."
32. **"Not sure this is the right neighborhood/property":** "What's the actual dealbreaker: schools, commute, size? Let's separate must-haves from nice-to-haves."
33. **"Your commission is higher than [discount broker]":** "It can look that way upfront, the difference shows up in negotiation and days-on-market. What's that worth on a home this size?"
34. **"We're fine renting / staying put":** "What would have to change for moving to be worth it? The rent-vs-own numbers sometimes surprise people once we run them."
35. **"I'm not the decision-maker":** "Got it, who else is involved? I'd rather walk them through it directly than have it get lost in translation."
36. **"Revisit next season/year":** "I'll hold that, but inventory and rates shift a lot in that window. Want me to flag you the moment something matches?"

## Finance / Financial Advisory (37–48)

37. **"Your fees are too high":** "Fair question, what are you comparing the fee to? A lot of people don't realize what they're already paying in hidden fund fees. Let's put both side by side."
38. **"Need to think about it":** "Makes sense for something this important: the fee structure, the strategy, or wanting a second opinion?"
39. **"Send me a proposal/plan":** "Happy to: retirement timeline, risk tolerance, or fee structure: which matters most to you?"
40. **"I already have an advisor/broker":** "Good, you're already thinking about this seriously. When's the last time you got a second opinion on performance and fees?"
41. **"Need to check with my spouse/partner":** "Absolutely, want to bring them into the next conversation so we build the plan together?"
42. **"Not the right time: market's uncertain":** "That's actually when a plan matters most: what feels uncertain: the market, your job situation, or the strategy?"
43. **"Tried an advisor before, didn't go well":** "What happened: performance, communication, or feeling like you weren't a priority? That tells me exactly what to do differently."
44. **"Not sure I have enough assets for this":** "Let's find out, a lot of people underestimate what a plan does at their level. Worth 20 minutes before ruling it out?"
45. **"Your fees are higher than [robo-advisor]":** "They can be: what are you getting for that lower fee: less personalization, no human review during a downturn? Let's weigh that."
46. **"We're fine managing this ourselves":** "Fair: how much time is that costing you, and how confident are you it's optimized? A second set of eyes is the value, not a takeover."
47. **"I'm not the one who handles our finances":** "Got it, who does? I'd like them in the conversation so the plan reflects both your goals."
48. **"Let's talk after [event/next year]":** "I'll hold that date, but want a light-touch check-in before then so we're not starting from scratch?"

## Universal Closers (49–50)

49. **"I just don't think this is for us" (final catch-all):** "Understood: before I let this go, can I ask what specifically doesn't fit? I'd rather hear the real reason than guess."
50. **Silence after a strong pitch (non-verbal objection):** "I want to make sure I'm solving the right problem, what's the one thing standing between you and moving forward?"