Every objection gets the same three moves:

Acknowledge without getting defensive: “Totally fair.” “I appreciate you being honest.”
Reframe the objection into a reason to keep talking.
Redirect with a clarifying question or two clear choices.

“Not interested.” “Totally fair. Is it that you’re not interested in coverage, or just not in talking right now?”
“I already have coverage.” “That’s great, most people do. How long have you had it? Older policies often don’t keep up with the mortgage or the family.”
“Just send me the info.” “I’d love to, but pricing depends on your age and health. A quick call gets you real numbers instead of a flooded inbox.”
“I can’t afford it.” “I hear you. Is it the monthly amount that’s tight, or something else? There are options at different budgets.”
“I’m young and healthy.” “That’s actually the best time. Rates are lowest while you’re healthy, and you lock that in.”
“I have coverage through work.” “Good start. Work coverage often doesn’t cover the full mortgage, and it usually stays with the job if you leave.”
“I have health problems.” “Thanks for sharing. There are options for almost everyone, and I work with carriers that specialize in that.”