Overcoming I Have Insurance Objection?

I just started out in FE part-time with some B leads while I wait for the fresh ones to come in. I had a few presentations this weekend and all of them told me they had insurance. Since i had only prepped myself for Colonial Penn and AARP objections I was caught up when trying to move forward with my clients. Any suggestions on the two scenarios below?

1. Wife and husband couple. husband has full-time caretaker so just spoke with wife. She mentioned she retired from Chase and still has her full whole life insurance policy. I'm not familiar with life insurance carrying over from an employer
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