{"id":41029,"date":"2020-03-14T00:00:00","date_gmt":"2020-03-14T07:00:00","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/cold-calling-scripts-for-insurance\/"},"modified":"2025-07-14T05:07:50","modified_gmt":"2025-07-14T12:07:50","slug":"cold-calling-scripts-for-insurance","status":"publish","type":"post","link":"\/us\/en\/blog\/cold-calling-scripts-for-insurance\/","title":{"rendered":"Cold calling for insurance agents: a script for every occasion"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Nobody likes cold calling.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s tough. Especially when it comes to insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the caller, it can feel boring and repetitive\u2014maybe even demoralizing. And for the person being called, it often feels like a total nuisance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But it doesn\u2019t have to be that way. By focusing on the prospect and how you can help them, you can turn cold calling into a win-win situation for both parties. The good news for insurance companies is that consumers actually think they provide pretty good customer service in comparison to other major industries\u201455% of respondents surveyed in the <a href=\"https:\/\/www.ringcentral.com\/customer-communications-trends-report.html\" target=\"_blank\" rel=\"noopener noreferrer\">Customer Communications Review<\/a> said that insurance companies offer &#8220;pretty good&#8221; to &#8220;very good&#8221; customer service:<\/span><\/p>\n<p><a href=\"https:\/\/www.ringcentral.com\/customer-communications-trends-report.html\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"aligncenter size-large wp-image-6243\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/industry-rankings-customer-service-1-1024x536.jpg\" alt=\"industry rankings customer service\" width=\"840\" height=\"440\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">In this post, we\u2019ll cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"#10 tips for selling insurance over the phone\"><span style=\"font-weight: 400;\">10 tips for selling insurance over the phone<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#4 common mistakes that might get you known as the sleazy cold caller\"><span style=\"font-weight: 400;\">4 common mistakes that might get you known as \u201cthe sleazy cold caller\u201d<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#How to write an insurance cold calling script\"><span style=\"font-weight: 400;\">How to write an insurance cold calling script<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#7 cold calling scripts for any insurance type or situation\"><span style=\"font-weight: 400;\">7 cold calling scripts for any insurance type or situation<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let\u2019s dive in.<\/span><\/p>\n<hr \/>\n<p class=\"p1\">Up your prospecting game and close more deals with conversational intelligence. \u260e\ufe0f<\/p>\n<p class=\"p1\">\n<div class=\"download-form-widget standart-download-form\" data-url=\"https:\/\/www.ringcentral.com\/pdf\/beginners-guide-conversation-intelligence-sales.html\" data-id=\"6a12525fc48c8\" id=\"6a12525fc48c8\">\n\t\t<button tabindex=\"on\"  on=\"tap:6a12525fc48c8.toggleClass(class='open')\" class=\"open-modal-download-action download-form-button\" type=\"submit\">\ud83d\ude80 Get started<\/button><\/p>\n<div class=\"download-form-modal\">\n<div class=\"download-form-modal-body\">\n<div class=\"download-form-modal-content\">\n<div class=\"download-form-modal-title\">Don't just touch base. Move your deals forward. Learn about conversational intelligence today. <\/div>\n<form class=\"download-form SMB\" method=\"post\">\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Full Name\" aria-required=\"true\" aria-invalid=\"false\" type=\"text\" name=\"fullname\" placeholder=\"Full Name\" data-dl-events-hover=\"true\" data-dl-element=\"text\" data-dl-additional-info=\"download form\">\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Email (please enter a work email address)\" aria-required=\"true\" aria-invalid=\"false\" type=\"email\" autocomplete=\"on\" name=\"email\" placeholder=\"Email (please enter a work email address)\" data-dl-events-hover=\"true\" data-dl-element=\"email\" data-dl-additional-info=\"download form\">\n\t\t\t\t\t\t<\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"popup_form\" value=\"1\">\n\t\t\t\t\t\t<\/div>\n<div><input type=\"hidden\" name=\"Asset_ID__c\" value=\"ODAM-03773\" class=\"download-form-input\"><\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"Lead_Entry_Source__c\" value=\"RC Blog\" class=\"download-form-input\"\/>\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<button class=\"download-form-submit\" type=\"submit\" data-dl-element=\"button\" data-no-auto-dl=\"true\" data-dl-additional-info=\"download form\" data-dl-name=\"Get the guide\">Get the guide<\/button>\n\t\t\t\t\t\t<\/div>\n<\/p><\/form>\n<p> \t\t\t\t\t<button on=\"tap:6a12525fc48c8.toggleClass(class='open')\" role=\"button\" tabindex=\"0\"  class=\"download-form-modal-close\"><\/button>\n\t\t\t\t<\/div>\n<div class=\"download-form-modal-thank\">Happy reading!<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p>\n<hr \/>\n<p><a name=\"10 tips for selling insurance over the phone\"><\/a><\/p>\n<h2 style=\"padding-top: 20px;\">10 tips for selling insurance over the phone<\/h2>\n<p><span style=\"font-weight: 400;\">From using the right script to the right tools, here are the top 10 things you can do right now to close more deals over the phone.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">1. Use the right tools to make your cold calling life easier<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You don&#8217;t necessarily need to have to be using the <a href=\"https:\/\/www.ringcentral.com\/small-business\/blog\/best-apps-for-insurance-agents\/\" target=\"_blank\" rel=\"noopener noreferrer\">best insurance app<\/a> out there (but it helps)\u2014most businesses will use a CRM (customer relationship management) system to keep track of their sales leads. A few of the most popular ones are <\/span><span style=\"font-weight: 400;\">Salesforce<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">Zoho<\/span>,<span style=\"font-weight: 400;\"> and <\/span><span style=\"font-weight: 400;\">HubSpot<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-2574 size-large\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/image1-34-1024x572.png\" alt=\"HubSpot call tracking\" width=\"840\" height=\"469\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A CRM is really helpful to track your calls, but you\u2019ll get even more bang for your buck with phone system or <a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/communication-tools\/\" target=\"_blank\" rel=\"noopener noreferrer\">communication tool<\/a> integrations. And if your team is distributed across different time zones and cities, this will be even more useful.<\/span><\/p>\n<div class=\"tip-heading\"><b>\ud83d\udca1 Pro-tip:\u00a0<\/b><\/div>\n<p><a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/true-blue-insurance-customer-story\/\" target=\"_blank\" rel=\"noopener noreferrer\">See how True Blue Insurance&#8217;s almost-fully remote team boosted revenue by 15%<\/a> by doing one simple thing.<\/p>\n<p><span style=\"font-weight: 400;\">For example, you could see your call recordings directly in your CRM when you integrate with a communications platform like <\/span><a href=\"https:\/\/www.ringcentral.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">RingCentral<\/span><\/a><span style=\"font-weight: 400;\">, which lets you make phone calls, <a href=\"https:\/\/www.ringcentral.com\/video-call.html\">video calls<\/a>, and more from a single app:<\/span><\/p>\n<p><iframe sandbox=\"allow-scripts allow-same-origin allow-presentation\" title=\"Blended Outbound Cloud Contact Center | RingCentral Engage Voice\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/bAaEj0aBBPA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen sandbox=\"allow-same-origin allow-scripts allow-presentation\"><\/iframe><\/p>\n<p><span style=\"font-weight: 400;\">You can even make it look like you\u2019re calling from your <a href=\"https:\/\/www.ringcentral.com\/business-phone-numbers.html\">business phone number<\/a> while using your personal phone, which should help increase your pick up rates:\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-44476 size-large\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/10\/salesforce-ringcentral-integration-1024x657.png\" alt=\"salesforce ringcentral integration\" width=\"1024\" height=\"657\" \/><\/p>\n<div class=\"rc-subscribe\" id=\"new-rc-subscribe\"  style=\"background-image:url('\/us\/en\/blog\/wp-content\/themes\/ringcentral\/assets\/images\/temp\/subscribe.png')\">\n\t\t<button class=\"close js-popup-close\"><svg class=\"icon_close_mobile\" width=\"20\" height=\"20\"><use xlink:href=\"#icon_close_mobile\"><\/use><\/svg><\/button><\/p>\n<div class=\"rc-subscribe__wrapper\">\n<div class=\"rc-subscribe__wrapper_text\">\n<h3 class=\"rc-subscribe__title h2\">Stay informed with RingCentral<\/h3>\n<div class=\"rc-subscribe__subtitle\">Subscribe to our emails for the latest blogs, events, and exclusive content on AI-powered communication solutions. Stay ahead with insights and tips from the leader in trusted AI communications.<\/p>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/legal\/privacy-notice.html\" target=\"_blank\" data-dl-name=\"Privacy Notic\" data-dl-element=\"link\" data-dl-additional-info=\"social\" rel=\"noreferrer noopener\">Privacy Notice<\/a>\n\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"rc-subscribe__wrapper_form\">\n<form class=\"\" data-event-init=\"true\" novalidate data-js-form>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\tname=\"email\"\n\t\t\t\t\t\t\t\tplaceholder=\"Email address *\"\n\t\t\t\t\t\t\t\ttitle=\"Must be valid email. example@yourdomain.com\"\n\t\t\t\t\t\t\t\tminlength=\"4\"\n\t\t\t\t\t\t\t\tmaxlength=\"255\"\n\t\t\t\t\t\t\t\ttype=\"email\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tpattern=\"[a-z0-9._%+\\-]+@[a-z0-9.\\-]+\\.[a-z]{2,}$\"\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\tautocomplete=\"on\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-events-hover=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-element=\"email\"\n\t\t\t\t\t\t\t\tdata-dl-additional-info=\"LET'S WORK TOGETHER\"\n\t\t\t\t\t\t\t\taria-label=\"Email address *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"email-subscribe-errors\"\n\t\t\t\t\t\t><br \/>\n\t\t\t\t\t\t<span class=\"field__errors\" id=\"email-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<select\n\t\t\t\t\t\t\t\tname=\"Country__c\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\t\t\taria-label=\"Country *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"country-subscribe-errors\"\n\t\t\t\t\t\t><option value=\"\" disabled=\"disabled\" selected=\"selected\">Country<\/option><option value=\"Canada\">Canada<\/option><option value=\"United_States\">United States<\/option><\/select><\/p>\n<p>\t\t\t\t\t\t<span class=\"field__errors\" id=\"country-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<button type=\"submit\" data-event-init=\"true\">Subscribe<\/button>\n\t\t\t\t\t<\/div>\n<\/p><\/form>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"confirm-form\" role=\"status\" aria-live=\"polite\" style=\"display: none;\" aria-hidden=\"true\">\n<div class=\"confirm-form__text\">Thank you for your interest in RingCentral<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">2. Don\u2019t forget to follow up<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">More often than not, it takes more than one call for someone to buy your insurance plan. That\u2019s why you should always follow up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The prospect probably won\u2019t be ready to make a final decision on a cold call. Give them another call, or let them know that you\u2019ll follow up via email.<\/span><\/p>\n<p>If you&#8217;re often working while on the go or away from your desk, it&#8217;d probably be helpful to have a business calling app on your phone as well. This way, you can flip a call from your computer to your phone if you need to step away. With the RingCentral app, for instance, you do it with just one click:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-large wp-image-41423\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/Meeting-switch-1024x621.png\" alt=\"switching a meeting between devices in ringcentral\" width=\"1024\" height=\"621\" \/><\/p>\n<p>Or, if you have a high-priority or more old-school client who wants to have face-to-face conversations, you can use your <a href=\"https:\/\/www.ringcentral.com\/what-is-a-voip-phone.html\">VoIP phone<\/a> to easily switch from a voice-only phone call to a video call:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-43036\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/08\/541703413-Call-to-Video-Blog-Post-Images_mobile.gif\" alt=\"flipping a call between devices\" width=\"375\" height=\"812\" \/><\/p>\n<p>Plus, the RingCentral app has built-in messaging&#8230; with a handy task feature too! This lets you create reminders to follow up and other tasks for yourself (and your team), right in the same app you use to make phone calls and <a href=\"https:\/\/www.ringcentral.com\/how-does-a-virtual-phone-call-work.html\">virtual calls<\/a>:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-large wp-image-44657\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/03\/insurance-task-in-ringcentral-app-1024x684.png\" alt=\"insurance task in ringcentral app\" width=\"1024\" height=\"684\" \/><\/p>\n<hr \/>\n<p class=\"p1\"><span class=\"s1\">\ud83d\udd79\ufe0f<\/span> Get a hands-on look at how top-performing insurance agents are using RingCentral by booking a product tour:<\/p>\n<p class=\"p1\"><button data-href=\"#leadform-popup\" class=\"js-open-popup-activator btn primary\" >Choose a time<\/button><\/p>\n<p class=\"p1\"><span class=\"s1\">\ud83d\udcb0<\/span> You can also <a href=\"http:\/\/www.ringcentral.com\/roi-calculator\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"s2\"><b>use this calculator<\/b><\/span><\/a><b> <\/b>to see roughly how much your business could save by using RingCentral to support your team&#8217;s communication with each other\u2014and clients.<\/p>\n<hr \/>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">3. Know what you have to offer<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is all about preparation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Make sure you\u2019re fully confident with your insurance agency\u2019s offer. What kind of value are you offering?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also need to be comfortable with where and how your offer can be adjusted to suit a prospect\u2019s unique situation. Some insurance plans have more wiggle room than others, and it\u2019s important to be familiar with those details.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">4. Rehearse your script<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When it comes to your full script, make sure you know it well. The more familiar you are with it, the less it\u2019ll sound like you\u2019re reading from a script, because you\u2019ll be able to improvise a bit while still staying on track with the script. These little improvisations will do wonders in helping you sound confident and comfortable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The way to do this is simple: practice!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Run through your script in the same environment and same pose you\u2019d be in during a call. For most people, this will be sitting up tall at your desk. It\u2019ll even help to be in your work clothes when you\u2019re practicing.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">5. But be flexible<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You know your script by heart\u2014great! Now you can be more flexible with it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Conversations with prospects won\u2019t always go according to script. You can learn a lot about them and what their concerns are in just a few minutes\u2014and then you may need to adjust your offer to meet their needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sometimes the conversation will even go off the topic of insurance. Maybe the prospect had a tough day or something else is on their mind and it just comes out. Be prepared to listen and go off script if that\u2019s what the conversation needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just remember to keep your goal in mind and gently steer the conversation back to it.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">6. Do a little digging beforehand<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The great thing about cold calling in this day and age is that you almost never go in truly blind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most people have social media profiles with at least some public-facing information. Sneak a peek to learn more about your prospects before giving them a call.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Start with LinkedIn to learn about their current job, what company they\u2019re at, and what their education history looks like. This information is generally public and not that personal, so it\u2019s okay to use it to make your pitch more specific.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also hop on to Facebook, Instagram, and Twitter to learn more about what your prospect\u2019s interests are. These will come in handy for you to build trust over common interests or for you to tailor your offer to suit their needs and lifestyle.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just tread carefully with these and allow the commonalities to come up naturally. You don\u2019t want to let on that you\u2019ve fully researched your prospect beforehand. It could make you come off as manipulative or even creepy.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">7. Ask questions\u2014then actually listen<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Asking open-ended questions will keep your prospect on the phone longer, while also helping the exchange feel more like a conversation rather than a sales pitch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Listen carefully so you can understand where they are coming from and what they\u2019re looking for. With that information, you\u2019ll be able to adjust your pitch to better suit their needs.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">8. Communicate on their level<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The last thing you want to do when cold calling is to put your prospect off by using insurance industry jargon they may not understand. If you have a good scripting or <a href=\"https:\/\/www.ringcentral.com\/small-business\/blog\/cold-calling-software\/\" target=\"_blank\" rel=\"noopener noreferrer\">cold calling software<\/a>, use it to log different scripts so you always have something to refer to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Use day-to-day terms and keep it personable, but still professional.\u00a0<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">9. Track. Every. Single. Call.<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cold calling can feel like thankless work, so it helps to know you\u2019re actually getting somewhere with it. That\u2019s where tracking your calls comes in.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s important to measure your successes. Tracking things like your close rate and your follow-up rates will give you a good idea of where you\u2019re doing well and where improvements can be made.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">10. It\u2019s all about the delivery<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you\u2019re cold calling, you don\u2019t have the benefits of all the things that come with in-person interactions like facial expressions, body language, and visual cues.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All you have is your voice, so it\u2019s important it has the right tone. You want to be confident, but still friendly.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep the conversation light and casual. Maybe even throw in a joke. Getting your prospect to laugh will help warm things up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you know what the best practices are in the world of insurance cold calling, let\u2019s talk about what <\/span><i><span style=\"font-weight: 400;\">not<\/span><\/i><span style=\"font-weight: 400;\"> to do.<\/span><\/p>\n<p><a name=\"4 common mistakes that might get you known as the sleazy cold caller\"><\/a><\/p>\n<h2 style=\"padding-top: 20px;\">4 common mistakes that might get you known as \u201cthe sleazy cold caller\u201d<\/h2>\n<p><span style=\"font-weight: 400;\">People are already wary of cold callers as it is, so you want to make sure you leave them with a positive experience. Yes, it\u2019s possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s go through a few of the most common cold calling mistakes that can leave prospects with a bad impression and hurt your chances of a successful call.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">1. Calling at a bad time<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We\u2019ve all heard stories of annoying cold callers interrupting a family dinner. Don\u2019t be that person.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Research has shown that the <\/span><span style=\"font-weight: 400;\">best time for cold calling<\/span><span style=\"font-weight: 400;\"> is between 8 and 9 am in the morning and 4 and 5 pm in the evening<sup>1<\/sup>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You might be making fewer calls by sticking to these hours, but your calls will likely be more effective.\u00a0<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">2. Turning on your sales voice<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Everyone who\u2019s had to make a sales call is probably a bit guilty of this.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think about your last call. Did you sound like your usual self?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you can\u2019t remember, record your next sales call and have a listen. Do you sound the way you do when talking to friends and family?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">People often slip into a \u201csales voice\u201d where their voice goes up in pitch and speeds up. Because this is pretty recognizable when it happens, prospects immediately notice it and get turned off. Who wants to be stuck on a call where they\u2019re being sold to?<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">3. Pitching your insurance plan on every call<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you\u2019re cold calling, it\u2019s your first time speaking to a prospect. You don\u2019t know much about them, so how do you know if they\u2019d really be a good fit for your offer?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, don\u2019t fire off your sales pitch on every call before even asking the prospect any questions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you just blindly pitch your offer to every prospect regardless of what their needs are, you\u2019ll just end up wasting your time\u2014and theirs.\u00a0<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">4. Focusing on your offer and not on the prospect<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s so easy to get caught up in <\/span><i><span style=\"font-weight: 400;\">your<\/span><\/i><span style=\"font-weight: 400;\"> offer and <\/span><i><span style=\"font-weight: 400;\">your<\/span><\/i><span style=\"font-weight: 400;\"> cold calling script that you forget the call is about your prospect. Focus on them. Ask them thoughtful questions about what they and their family or business need.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By learning about your prospect and their frustrations, you\u2019ll be in a better position to frame your offer in a way that they\u2019re receptive to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okay. We\u2019ve talked a lot about insurance cold calling scripts, so let\u2019s start writing one.<\/span><\/p>\n<p><a name=\"How to write an insurance cold calling script\"><\/a><\/p>\n<h2 style=\"padding-top: 20px;\">How to write an insurance cold calling script<\/h2>\n<p><span style=\"font-weight: 400;\">The basic structure of any cold calling script consists of three parts: an introduction, qualifying questions, and the close.<\/span><\/p>\n<h4 style=\"color: #666666;\">The introduction<\/h4>\n<p><span style=\"font-weight: 400;\">It\u2019s always polite to introduce yourself to help put the prospect a bit more at ease. The key here is to let them know that there could be something in it for them as well if they listen to what you have to say.<\/span><\/p>\n<h4 style=\"color: #666666;\">Qualifying questions<\/h4>\n<p><span style=\"font-weight: 400;\">This is where you ask the prospect questions to learn more about them and what their main pain points are. Make sure these aren\u2019t just yes\/no questions\u2014ask open-ended questions so they can provide as much information as possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you know what the prospect\u2019s main challenges are, you\u2019re in a better position to create your pitch around their individual needs.<\/span><\/p>\n<h4 style=\"color: #666666;\">The close<\/h4>\n<p><span style=\"font-weight: 400;\">You don\u2019t always have to close a sale on your first call, and you might not even want to depending on what strategy works best for you. The \u201cclose\u201d here can be a more manageable goal, like getting a second conversation set-up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s important to set up next steps here at the very least, so let them know when and how you\u2019ll be following up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And don\u2019t forget to thank them for their time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Put those three elements together and you\u2019ll have a strong base script you can tweak for any insurance cold call.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s look at some examples.<\/span><\/p>\n<p><a name=\"7 cold calling scripts for any insurance type or situation\"><\/a><\/p>\n<h2 style=\"padding-top: 20px;\">6 cold calling scripts for any insurance type or situation<\/h2>\n<p><span style=\"font-weight: 400;\">The majority of insurance cold calling scripts have a very similar base. The variations come from the specific type of insurance, any specials on the offer, and the prospect\u2019s current situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s look at six examples that mix and match those variables.<\/span><\/p>\n<h3 style=\"color: #434343; padding-top: 15px;\"><span style=\"font-weight: 400;\">1. <span style=\"text-decoration: underline;\">The elevator pitch<\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An elevator pitch is a quick rundown of what you have to offer. It\u2019s very condensed and should only take about 30 seconds to get through.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The elevator pitch can be used for all types of insurance. It really comes in handy when you\u2019re short on time\u2014or when you can sense your prospect has limited attention to give you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regardless of what kind of insurance you\u2019re selling, you\u2019re going to need to address a pain point your prospect has. They might be spending too much on insurance or have gaps in their coverage. Figure out what their main pain point is and make sure you do a good job of solving the problem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also throw in the benefits of your company\u2019s insurance policy, and what differentiates you from competitors. Maybe you have more affordable plans or faster processing times.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Throw it all together and you\u2019ll have something like:<\/span><\/p>\n<p><em>\u201cOur life insurance plans have saved families just like yours in the community about 15-20% off their annual insurance costs. Is this something you\u2019d be interested in learning more about?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Keep it simple and short.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re using this insurance script in a cold call, take a bit of extra time to introduce yourself and your company before you jump into the pitch.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. <span style=\"text-decoration: underline;\">Life insurance with a free quote offer<\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Life insurance isn\u2019t exactly the most pleasant topic, but it\u2019s something people do need to think about. It helps to throw in a free quote so the prospect feels like they have nothing to lose.<\/span><\/p>\n<p><em>\u201cHi there. Is this (prospect\u2019s name)?\u201d <\/em><\/p>\n<p><em>\u201cThis is (your name) from (your insurance company).\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Make sure to always ask how the prospect is doing. By listening to them and conversing a little bit, you\u2019ll build rapport. This will help the prospect be more open to what you have to say.<\/span><\/p>\n<p><em>\u201cThe reason I\u2019m calling is to let you know that our firm has agents in the area offering free life insurance quotes. No obligations, of course. It\u2019s just so you can see what options there are. Would this be of any interest to you?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Wait for a response. While a resounding \u201cYes!\u201d would be ideal, it\u2019s common for prospects to have hesitations:<\/span><\/p>\n<p><em>\u201cI understand you might be hesitant. But from what I\u2019ve seen for families with (describe the prospect\u2019s specific family circumstances that qualify them for insurance), it&#8217;s always handy to have a bit of extra help when it comes to life insurance planning. It\u2019ll go a long way. <\/em><\/p>\n<p><em>Are you sure you don\u2019t want to have a quick chat about it with one of my colleagues?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Pause and allow the prospect to respond.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This might be when they throw some objections your way. Listen to their concerns and let them know you understand.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Address their objections and move them onto the next phase of the call:\u00a0<\/span><\/p>\n<p><em>\u201cI just need to ask a few questions to make sure the program is a good fit for you, and it\u2019ll save you time when you\u2019re talking to one of our agents later.\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">This is where you can collect any information you may need to see if they\u2019ll qualify for the program. Once you have those details, close the call:<\/span><\/p>\n<p><em>\u201cGreat! Thank you (prospect\u2019s name). Now the only thing left to do is set up an appointment for one of our specialists to get in touch. When would work best for you?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s try another one.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. <span style=\"text-decoration: underline;\">Commercial insurance when the prospect already has a plan<\/span><\/span><\/h3>\n<div class=\"box\">\n<p><i><span style=\"font-weight: 400;\">\u201cHi, am I speaking with (prospect\u2019s name)?\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cGreat, my name is (your name) and I\u201dm calling from (your insurance agency). How have you been?\u201d<\/span><\/i><\/p>\n<\/div>\n<p><span style=\"font-weight: 400;\">Let them respond.<\/span><\/p>\n<p><em>\u201cThat\u2019s great, (prospect\u2019s name). The reason I\u2019m calling today is to chat about workplace insurance for your business. Would you be open to having a conversation about your current cover?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s common for prospects to provide objections here about how they\u2019re happy with their current plan.<\/span><\/p>\n<p><em>\u201cI completely understand, (prospect\u2019s name). How would you feel about a total insurance policy review and audit? We\u2019ll be able to tell you where you\u2019re currently covered if anything goes wrong, and what we can offer in the same price range. We\u2019d be happy to offer you a competitive quote on your business insurance, even for when it renews. Is that something you\u2019d be open to?\u201d<\/em><\/p>\n<p>If they seem even a little bit interested, move to the next steps and book a follow-up appointment.<\/p>\n<p><em>\u201cPerfect. The review process will only take about 15 minutes or so. When would be a good time to get in touch to go through this together?\u201d<\/em><\/p>\n<p>Confirm the appointment and thank them for their time.<\/p>\n<h3><span style=\"font-weight: 400;\">4. <span style=\"text-decoration: underline;\">Auto insurance when the prospect is in a hurry<\/span><\/span><\/h3>\n<div class=\"box\">\n<p><i><span style=\"font-weight: 400;\">\u201cHi there. Is this (prospect\u2019s name)?\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cThis is (your name) from (your insurance company).\u201d<\/span><\/i><\/p>\n<\/div>\n<p>Sometimes at this point, a prospect might interrupt you to say they\u2019re in the middle of something or are in a hurry.<\/p>\n<p><em>\u201cI understand. The reason I\u2019m calling is to let you know that we\u2019re expanding our coverage to your area and are offering pretty competitive quotes that could save you money. Do you have a quick 30 seconds to hear about our service?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">If they agree, make sure you really do stick to 30 seconds.<\/span><\/p>\n<p><em>\u201cThanks, (prospect\u2019s name). With the new rates we\u2019re offering the area, we\u2019ve saved customers about $325 per year on auto insurance. We have hundreds of five-star reviews on Google you can look at to see what others have to say. I know you\u2019re in a hurry, but if I could have your email address, I could send you more details. Would you be open to that?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Your prospect may be more interested now, but they\u2019re still in a rush. Offering to move things over to email lets you keep them as a prospect without taking up any more of their immediate time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Grab their contact information and make sure you do follow up via email within the next day or two.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. <span style=\"text-decoration: underline;\">Mortgage protection when the prospect already has coverage<\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When it comes to mortgage protection, there\u2019s a good chance your prospects may already have a policy in place. But that doesn\u2019t mean you\u2019re out of luck.<\/span><\/p>\n<div class=\"box\">\n<p><i><span style=\"font-weight: 400;\">\u201cHi, can I please speak with (prospect\u2019s name)?\u201d<\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cHi, (prospect\u2019s name). I\u2019m (your name) from (your insurance company). I\u2019m calling because I saw you\u2019ve recently purchased a property. Congratulations! I was interested to know if you\u2019ve taken out mortgage protection insurance?\u201d<\/span><\/i><\/p>\n<\/div>\n<p><span style=\"font-weight: 400;\">Wait for them to confirm.<\/span><\/p>\n<p><em>\u201cThat\u2019s great that you were so prepared. Can I ask how long your mortgage is? Just so I can see what type of insurance policy would benefit you the most.\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Wait for their answer.<\/span><\/p>\n<p><em>\u201cGreat. Well, it\u2019s always good to see what else is out there, especially when you\u2019re a new home owner. I know paying a mortgage is your main priority right now. I\u2019m happy to look over your current policy to see if there\u2019s any way I can help save you money. Is that something you\u2019d be open to?\u201d<\/em><\/p>\n<h3><span style=\"font-weight: 400;\">6. <span style=\"text-decoration: underline;\">Income protection insurance when the prospect doesn\u2019t think they need coverage<\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some insurance plans, like those for auto insurance or life insurance, can be easier to sell because people know they need coverage in those areas. Income protection insurance, on the other hand, can be more of a challenge because people may not think they need it or even know what it is.<\/span><\/p>\n<p><em>\u201cHi. Is this (prospect\u2019s name)? Hi, there. My name is (your name) and I\u2019m calling from (your insurance agency). How\u2019re you today?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Wait for their response.<\/span><\/p>\n<p><em>\u201cThat\u2019s great. The reason I\u2019m calling today is to talk about how you can protect yourself and your family if something happened that stopped you from working. We all know how unpredictable life can be, and sometimes an unexpected injury or illness can keep you from working for weeks. Maybe even months. <\/em><\/p>\n<p><em>Income protection insurance can make sure you\u2019re still able to receive your income during these teams, letting you and your family focus on your recovery. Is an insurance like this something you\u2019d be open to learning more about?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">Wait for their response. It\u2019s likely they\u2019ll tell you they\u2019re not interested or that they\u2019ve never thought about it before.<\/span><\/p>\n<p><em>\u201cI understand, (prospect\u2019s name). It\u2019s not something that comes up often so I can see how you haven\u2019t had a chance to think much about it. Our consultation calls only take a few minutes and we\u2019ll walk you through all your options and rates. There\u2019s absolutely no commitment for you to sign up. Does that sound like something you\u2019d be interested in?\u201d<\/em><\/p>\n<p>If they agree to a consultation, book them in for an appointment in the next few days.<\/p>\n<h3><span style=\"font-weight: 400;\">7. <span style=\"text-decoration: underline;\">Health insurance when age is a factor<\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Health insurance plans can be very different if you\u2019re a young person compared to a senior citizen. You want to make sure you address a prospect\u2019s stage in life during a cold call to make your offer more specific to them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All it takes is one line in your introduction.<\/span><\/p>\n<p><em>\u201cHi, (prospect\u2019s name). My name is (your name) and I\u2019m calling from (your insurance agency). As someone in your mid-20s, I know having the right health insurance at the right price is probably a priority for you. I\u2019d like to review your current health coverage and see where we can help you out with more affordable options that might provide extra benefits. Is that something you\u2019d be open to?\u201d<\/em><\/p>\n<p><span style=\"font-weight: 400;\">If your prospects are mainly senior citizens, you just need to tweak your introduction a little bit.<\/span><\/p>\n<p><em>\u201cHi, (prospect\u2019s name). My name is (your name) and I\u2019m calling from (your insurance agency). I\u2019m calling because I specialize in helping people over the age of 55 find affordable health insurance options. Is that something you\u2019d be interested in?\u201d<\/em><\/p>\n<h2 style=\"padding-top: 20px;\">All you need is one solid cold calling script base for insurance<\/h2>\n<p><span style=\"font-weight: 400;\">As you can see from the examples, the skeleton of each script is similar. Once you have a cold calling script that works well for you, you\u2019re pretty much set. Just adapt it to sell other kinds of insurance and different situations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The more you practice, the more you\u2019ll develop a style and conversational flow. Remember to keep things friendly and to always focus on your prospect and what their needs are.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Happy cold calling!<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><sup>1<\/sup>blog.hubspot.com\/sales\/the-best-time-to-cold-call-more-data-driven-sales-secrets-infographic<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nobody likes cold calling. It\u2019s tough. Especially when it comes to insurance.\u00a0 For the caller, it can feel boring and repetitive\u2014maybe even demoralizing. And for the person being called, it often feels like a total nuisance.\u00a0 But it doesn\u2019t have to be that way. By focusing on the prospect and how you can help them, &#8230;<\/p>\n","protected":false},"author":1046,"featured_media":46507,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17901],"tags":[3427,17984,1896,17985],"class_list":["post-41029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-leadership","tag-cold-calling","tag-cold-calling-for-insurance","tag-insurance","tag-insurance-agents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cold Calling Scripts for Insurance Agents by RingCentral<\/title>\n<meta name=\"description\" content=\"Master insurance cold calling with proven scripts and techniques. 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