Losing clients at the last minute? Do you find yourself struggling to build rapport and trust with your clients? A well-crafted insurance sales script samples can dramatically improve your success rate, building rapport and seamlessly overcoming objections. Increase your closing rate in insurance sales by starting with a call script that suits your client’s needs.
Navigating cold calls and client objections can feel overwhelming, but with the right insurance sales script samples, you’ll have the confidence to handle any scenario. These scripts are designed to tackle the toughest challenges, from breaking the ice on a cold call to overcoming last-minute hesitations.
Close more deals effortlessly with proven scripts that are transforming results for agents like you. Don’t let another call slip away—request a demo and turn every interaction into a success story!
For insurance agents looking to improve their performance, this guide offers over 20 proven scripts to handle various scenarios confidently and increase your closing rates.
Pro Tips for Delivering Insurance Sales Scripts Effectively
Delivering a script properly can make all the difference in engaging your prospect. Here are some practical tips to ensure your delivery is confident, friendly, and effective:
- Maintain a Confident Tone: Speak clearly and at a steady pace. Practice your script enough to sound natural, not rushed or hesitant. Confidence in your voice helps build trust with the prospect.
- Be Friendly and Warm: Smile as you speak—it comes through in your tone! A friendly voice can make a scripted conversation feel more genuine and approachable.
- Use the Prospect’s Name: Personalizing the conversation by using the prospect’s name helps create a connection. It shows that you see them as an individual, not just another call or sale.
- Avoid Sounding Robotic: While you may have a script, aim to sound conversational. Think of your script as a guideline rather than a word-for-word script. This makes the interaction feel more authentic and less like a rehearsed pitch.
- Practice Active Listening: Pay attention to the prospect’s responses and adjust your script accordingly. If they ask a question or express concern, take a moment to address it before moving on.
- Focus on Key Points: Highlight the most important parts of your script that align with the prospect’s needs or interests. This keeps the conversation focused and engaging.
Remember, the goal is to make the prospect feel comfortable and valued, while confidently guiding them through the conversation.
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Here are 20 tailored insurance sales script samples for different stages of the insurance sales process, designed to help you effectively engage with prospects and address various sales situations.
1. Initial Cold Call Scripts for Insurance Sales
Situation 1:
Quick Introduction with a Value Proposition
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. We help people find affordable coverage tailored to their needs. Are you currently reviewing your insurance to ensure you’re fully protected?”
Prospect: “I haven’t thought about it recently.”
Agent: “Totally understandable. Many clients felt the same until they saw how much they could save while improving their coverage. Would a quick review to explore better options be of interest?”
Situation 2:
Curiosity-Driven Question
Agent: “Hello [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. Quick question: If you could reduce your premiums without losing coverage, would that be of interest?”
Prospect: “Maybe, but I’m satisfied with my current plan.”
Agent: “I understand. Many clients were satisfied initially but found they could save significantly—up to 20%—while maintaining the same coverage. Can we schedule 10 minutes to explore your options?”
2. Scripts for Warm Leads and Follow-Up
Situation 1:
Following Up After a Quote
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. I’m following up on the quote we discussed last week. Do you have any questions or concerns I can address?”
Prospect: “I’m still considering it.”
Agent: “That’s fine. To recap, the policy includes [mention benefits]. It’s a great opportunity to secure comprehensive coverage at this rate. When would you be comfortable making a decision?”
Situation 2:
Checking In After Initial Meeting
Agent: “Hi [Prospect’s Name], it’s [Agent’s Name] from [Insurance Company]. I wanted to check in to see if you had any new questions about the policy we discussed.”
Prospect: “Does it cover [specific concern]?”
Agent: “Yes, it does, and it also includes [related features]. Do you have other questions before we move forward?”
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3. Scripts for Overcoming Common Insurance Objections
Situation 1:
“Cost is Too High” Objection
Prospect: “I like the plan, but it’s too expensive.”
Agent: “I understand, [Prospect’s Name]. Many clients initially felt that way until they saw how much the plan could save them long-term, especially with benefits like [mention specific feature: like affordable insurance premiums]. Would it be worth considering how this could help you avoid larger costs later?”
Situation 2:
“I Need to Think About It” Objection
Prospect: “I need to think it over.”
Agent: “Of course, [Prospect’s Name]. I want you to feel confident in your decision. Would going over any remaining questions help you feel more secure?”
Situation 3:
“I Already Have Insurance” Objection
Prospect: “I already have coverage with another provider.”
Agent: “That’s great to hear, [Prospect’s Name]. When did you last review it? Policies and pricing can change, so it’s important to check if there are better options that could save you money or offer additional benefits.”
4. Scripts for Selling Different Types of Insurance
Situation 1:
Life Insurance Script
Agent: “Hi [Prospect’s Name], I’d like to talk about securing your family’s financial future. Life insurance ensures they’re protected no matter what happens. Is this a priority for you?”
Prospect: “I’m not sure if it’s necessary right now.”
Agent: “I understand. Many clients felt that way initially, but they valued the long-term peace of mind it provided. Can we explore an option that fits your budget and needs?”
Situation 2:
Health Insurance Script
Agent: “Hi [Prospect’s Name], medical expenses can be unpredictable and overwhelming. This policy ensures you’re covered for unexpected costs. Are you confident your current coverage is enough?”
Prospect: “I’m not sure.”
Agent: “That’s exactly why I’m reaching out. Let’s review your current plan and identify any potential gaps. Does that sound helpful?”
5. Additional Scenarios for Building Trust and Rapport
Situation 1:
Storytelling for Connection
Agent: “I recently helped a client in a similar situation who was unsure about updating their policy. We found an option that fits their budget and needs perfectly. I’d be happy to do the same for you.”
Situation 2:
Transparency and Honesty
Agent: “I want to be upfront with you, [Prospect’s Name]. Not every policy is a perfect fit, and I won’t recommend one unless it truly benefits you. My goal is to provide what makes the most sense for your situation.”
6. Upselling and Cross-Selling Scripts
Scenario 1:
Bundling Insurance Products
Agent: “Hi [Prospect’s Name], I noticed you have [specific insurance like auto insurance] with us. Bundling it with another policy, like auto insurance, could save you money. Is this something you’d like to explore?”
Prospect: “I’m interested if it saves me money.”
Agent: “Great! I’ll put together a comparison for you to see the potential savings.”
7. Re-engagement Scripts for Lost Deals
Scenario 1:
Follow-Up After Choosing Another Provider
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. I know you chose another provider, but I wanted to check if everything is working out as expected. If you ever need any assistance or second opinions, I’m here.”
Scenario 2:
Policy Renewal Check-In
Agent: “Hi [Prospect’s Name], I’m reaching out because your policy might be up for renewal soon. I’d love to review it with you to see if we can improve your coverage or reduce costs.”
8. Scripts for Building Trust and Rapport with Prospects
- Connection through Storytelling
Agent: “Recently, I helped a client in a similar situation who shared your concerns. After making a few policy tweaks, we found a perfect fit for their needs and budget. I’d love to see if we can do something similar for you.”
- Transparency and Honesty
Agent: “I believe in being upfront, [Prospect’s Name]. Not every policy is the right match, and I won’t recommend anything unless it truly aligns with your needs. My goal is to find something practical and beneficial for you.”
9. Scripts for Upselling and Cross-Selling
Bundling for Savings
Agent: “Hi [Prospect’s Name], I noticed you currently have [specific insurance] with us. By bundling this with, say, auto insurance, you could see savings on both. Would you be open to reviewing a quick comparison to see the difference?”
Prospect: “Sure, as long as there’s savings involved.”
Agent: “Great! I’ll run the numbers so you can see the exact savings.”
10. Follow-up scripts for Lost Deals
Re-engage After Choosing Another Provider
Agent: “Hi [Prospect’s Name], it’s [Agent’s Name] from [Insurance Company]. I understand you decided to go with another provider, but I just wanted to check in to see if everything is going smoothly. If you ever need support, we’re here for you.”
Checking In for Renewal
Agent: “Hi [Prospect’s Name], I noticed your policy might be coming up for renewal soon. I’d love to help you review your options to see if we can offer improved coverage or even save you some money.”
Additional Scripts
11. Initial Cold Call – Emphasizing Financial Security
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. We specialize in helping families secure their financial future without overextending their budget. Would you be interested in a quick review to make sure your current coverage aligns with your financial goals?”
Prospect: “I think I’m covered, but I haven’t checked in a while.”
Agent: “Understood! Many of our clients were in the same situation but were surprised by the adjustments we could make. A quick review could offer some peace of mind.”
12. Responding to “I’m Too Busy Right Now”
Prospect: “I just don’t have time for this right now.”
Agent: “I understand, [Prospect’s Name]. I work with busy professionals every day, so I can keep it brief. How about just a few minutes now to introduce you to some quick savings options?”
13. Checking In After Policy Changes in the Market
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. With some recent changes in insurance rates, many clients are seeing more affordable options that meet their needs. Would you be interested in seeing if you qualify for better coverage at a lower rate?”
14. Reacting to a Prospect’s Concerns About Health Expenses
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. With healthcare costs rising, many clients are looking for ways to protect against unexpected expenses. Would you be interested in discussing a plan that limits out-of-pocket costs?”
Prospect: “Maybe, but I don’t want to increase my premium too much.”
Agent: “I understand. We can focus on options that give you added protection without a big premium increase.”
15. Initial Cold Call – Family-Oriented Approach
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. I work with families to create coverage plans that protect what matters most. Have you reviewed your family’s coverage needs recently?”
Prospect: “Not really. We have some coverage in place.”
Agent: “That’s great! Many clients found they could improve coverage while saving on premiums. Would it be worth a quick review?”
16. Overcoming “I’m Happy with My Current Provider”
Prospect: “I already have a policy with another company and I’m happy with it.”
Agent: “That’s good to hear, [Prospect’s Name]. I only recommend changes when they make sense. Would you be open to comparing your policy with what we offer to see if there are any new benefits you might find valuable?”
17. Introducing Long-Term Savings
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. We specialize in setting up policies that protect clients and build long-term savings. Are you currently investing through your insurance?”
Prospect: “Not really. I’m just looking for basic coverage.”
Agent: “Totally understandable. Many clients found it helpful to explore options that protect and grow their savings over time. Would you like a quick overview?”
18. Responding to “I’m Not Interested in Life Insurance”
Prospect: “I don’t really think I need life insurance right now.”
Agent: “I understand. Many clients felt that way initially. However, they later appreciated having a plan that gave them peace of mind for their loved ones. Would you be open to exploring a low-cost option that keeps your options open?”
19. Approach for High Net-Worth Clients
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. We specialize in advanced coverage for clients with significant assets. Many high-net-worth clients find value in options that go beyond standard coverage. Would you like to hear more about these options?”
Prospect: “Sure, but only if they’re actually beneficial.”
Agent: “Absolutely. I can show you only the features that would be most relevant based on your current assets and goals.”
20. Reaching Out after Initial Interest in Long-Term Care
Agent: “Hi [Prospect’s Name], this is [Agent’s Name] from [Insurance Company]. I noticed you previously expressed interest in long-term care options. Have you had a chance to consider whether this might be important for your future?”
Prospect: “I’m still on the fence about it.”
Agent: “Understandable—it’s a big decision. Many clients found it helpful to explore low-cost options that offer flexibility for future needs. Would that be helpful for you?”
These additional insurance sales script samples are designed to handle various scenarios effectively and engage prospects in a way that acknowledges their priorities and potential objections, increasing the likelihood of a positive response.
Tips for Personalizing Insurance Sales Scripts for Maximum Impact
Personalizing scripts can make a huge difference in connecting with clients and increasing closing rates. Here are 8 direct tips for personalizing scripts to make your approach feel tailored and impactful:
- Consider Their Life Stage: Younger clients may focus on affordability, while families value protection and retirees want stability. Tailor your pitch to their current priorities.
- Address Budget Preferences: If the client seems budget-sensitive, emphasize options that maximize savings, like bundled discounts, without compromising on essential coverage.
- Match Their Risk Tolerance: Some clients want only essential coverage, while others prefer a more robust policy for extra peace of mind. Gauge their comfort level and recommend accordingly.
- Focus on Personal Goals: Ask about their goals, whether it’s protecting a new home, saving for college, or planning a secure retirement, and highlight relevant policy benefits.
- Use Real-World Scenarios: Create a relatable connection by using examples that fit their lifestyle, like road safety for commuters or coverage for homes in high-risk areas.
- Reference Their Existing Coverage: If they have a policy, build on it rather than starting from scratch. Position enhancements as “upgrades” to what they’re familiar with.
- Echo Their Communication Style: Mirror their approach—keep it brief if they’re to the point or go in-depth if they ask detailed questions. This shows you’re listening.
- Follow Up with Personal Details: After initial conversations, bring up something specific they mentioned before, like family or future plans, to show you remember and care about their needs.
These personalized strategies can be further enhanced by crafting an effective sales script. Here’s a quick guide to ensure your script resonates with every prospect.
Wrap Up Your Insurance Sales Calls with Confidence
Using well-crafted insurance sales script samples is a powerful way to keep conversations focused, relatable, and effective at every stage of the sales journey.
Tailoring scripts for specific points in your calls from first introductions to closing follow-ups can make your approach feel natural and client-centered, helping you connect and convert with ease.
By customizing each script for different stages of the sales journey, you transform routine interactions into meaningful connections that drive conversions. Ready to take your sales strategy to the next level? Choose our service to personalize your scripts effectively and see the difference in client interactions.
FAQs on Insurance Sales Script Samples
How do you introduce yourself when selling insurance?
Begin by clearly stating your name, your role, and the company you represent. Highlight credibility and build trust quickly: “Hello, [Client’s Name], this is [Your Name] from [Insurance Company]. We specialize in [key service or niche, e.g., life and health insurance solutions] that help clients secure their families’ financial future.”
How to start a conversation to sell insurance?
Start with a value-focused question or statement: “[Client’s Name], have you considered how a tailored insurance plan could support your family’s financial stability if the unexpected happens? I’d love to share some strategies that might align with your current goals.”
How do you write a good sales script?
Introduction: Clearly state who you are and your company.
Problem Identification: Address a specific need or pain point.
Solution Overview: Introduce your product as a tailored solution.
Benefits Emphasis: Highlight key benefits.
Engagement: Ask questions to maintain conversation flow.
Call to Action: Propose a next step (e.g., a meeting or follow-up call).
What do you say when selling life insurance?
Focus on emotional and practical impacts: “Life insurance isn’t just a policy; it’s a plan to protect what matters most—your family’s financial security. It ensures that, even in unexpected circumstances, your loved ones can maintain their standard of living.”
How to convince a customer to buy insurance?
Educate: Explain the risks of being uninsured.
Personalize: Link benefits to their specific needs.
Provide Social Proof: Share brief success stories or statistics.
Be Transparent: Address potential concerns openly.
How do I speak to a customer for insurance?
Use clear, jargon-free language.
Listen actively to understand their needs.
Be patient, approachable, and informative.
How to motivate someone to buy life insurance?
Highlight the long-term benefits and peace of mind: “Imagine the assurance of knowing that your family’s future is protected, regardless of what life brings. Life insurance provides that essential safety net.”
How to approach people to buy life insurance?
Research: Understand their potential needs.
Be Conversational: Start with a friendly, non-sales-focused interaction.
Build Trust: Establish rapport before transitioning into discussing insurance.
How to approach a client when selling insurance?
Set Up a Meeting: Reach out with an offer for a consultation tailored to their circumstances.
Be Prepared: Enter the conversation informed about their financial concerns and life stage.
Listen More Than You Talk: Prioritize understanding their questions and hesitations.
