12 Tips for Effective Insurance Cold Calling

Cold calling is never simple, and it can be especially difficult when discussing a mundane subject like insurance. It’s challenging to get people excited about the chance to reduce the cost of bills for things they really don’t believe could possibly happen to them because insurance is an expense that offers little immediate satisfaction.

The majority of tips for making cold calls to insurance companies are applicable to all cold calls. However, some procedures are even more important when selling a private good like insurance. You’ll be requesting private information from customers such as their family members’ financial situations, future plans, hopes, and fears. Gaining trust is paramount.

How To NAIL The First 30 Seconds Of An Insurance Phone Call!

12 tips for improving insurance cold calling results

The following 12 suggestions can help you increase the effectiveness of your cold calls:

1. Increase the volume of your calls

Finding potential customers who are receptive to hearing your insurance pitch during cold calls frequently requires patience and perseverance. By making more calls and making them more quickly, you can increase your insurance sales numbers. Understanding when a caller isn’t interested in making a purchase and acting quickly to find prospects who are is advantageous because every new call is an opportunity to acquire new customers.

2. Stay positive

To sound friendlier when cold calling, think about keeping a positive attitude. A potential client may be more receptive to hearing someone who sounds enthusiastic and engaged. This may pique customers’ interest in your insurance plan and encourage them to talk on the phone for longer. Keeping a positive attitude also enables you to overcome difficulties brought on by difficult sales or rejected callers.

3. Believe in your product

You are more likely to persuade someone else to believe in the insurance policies you sell if you support them. People want to feel like they’re getting a good deal and that they can trust the person they’re doing business with. You may persuade more sales prospects than you otherwise would if you are knowledgeable about the insurance industry and believe you can assist your customers.

4. Allow the customer to talk

One sign of a prospective client who wants to purchase your insurance plans is someone who converses and queries. It’s crucial to let your clients converse with you and establish a rapport. In order to sell insurance to a customer, it is crucial to first build their trust. Try to stay focused on your insurance plans while also letting them start a genuine conversation as you establish rapport because this strikes a balance that can aid in closing a sale.

5. Trust your instincts

It’s crucial to establish a rapport with customers over the phone in order to foster trust and familiarity, but you can also use your gut feeling to determine which callers are genuinely interested in making a purchase. Effective sales instincts allow you to focus on new potential callers while saving time. It may be best to concentrate on a new prospective client if a caller keeps shifting the conversation away from your insurance plans or starts talking about something unrelated after declining insurance.

6. Prepare your workspace

Making cold calls can take a lot of time, so you should set up your workspace so that you can work there for extended periods of time. When you are between calls, think about keeping a water bottle and some snacks close by to keep yourself hydrated. You might also want to spend money on a comfortable chair or an ergonomic desk so you can sit comfortably while making cold calls. When speaking with potential clients, comfort often enables you to keep a warm and engaging tone.

7. Conduct research

Before calling potential clients, look them up online to see if they share your interests or have a mutual contact you can use to strike up a conversation with. Finding a customer’s social media profile or a business website is one way to conduct research. You can also ascertain whether there is a good chance that the customer will even purchase your insurance by doing some research on them prior to your call. By figuring out which potential customers are most likely to purchase insurance before you call, you can save time.

8. Practice your calls

Practice your calls with coworkers or friends to make sure your script sounds natural and positive. Repeatedly using your script can also help you memorize it, which can make you sound more engaging and prepare you for the range of responses you might get from potential clients. Once you’ve dealt with a particular reaction, it gets easier to do so again, which enhances your technique and professionalism.

9. Determine the proper time to call

A successful phone call depends on timing because potential customers may be more receptive to your call when they are unoccupied and relaxed. For instance, if you call your potential customer too early in the morning, they might just be leaving for work, but if you call them too late at night, they might already be at home. Think about the time of day that brings you the most success, and try to make the majority of your calls then. This could improve your chances of success and streamline your procedure.

10. Remain focused

While on a call, it’s crucial to establish trust and have an open dialogue with a customer, but it’s also crucial to use your time efficiently. When you can, try to steer conversations to the insurance policies you have to choose from in order to maintain the effectiveness of a conversation. This focus can assist you in guiding a customer toward making a purchase, and potential customers frequently value speaking with someone who is straightforward and respects their time by making brief but informative calls.

Attempt to keep your attention on your individual cold calling objectives as well. To keep track of the objectives you and your manager have set, think about tracking how many sales you have made or calls you have made.

11. Prepare for multiple outcomes

Calling sales leads who might not make a purchase when cold calling is common can have a variety of results. There are some general inquiries in your cold calling script that you might want to ask your potential customer, but before you call them, think about a few possible responses. This can assist you in getting ready for various responses you might get, whether they are favorable or unfavorable. When you are feeling more prepared, you can try to turn negative comments into constructive discussions or you can follow your gut feeling about when to call someone else.

12. Leave an effective voicemail

You can still effectively entice a potential customer to call you if they don’t pick up the phone if you leave a voicemail. Considering that you don’t have much time to improvise an impactful voicemail, think about creating a script for your voicemail. Consider including your name, the name of your business, your contact information, and a brief explanation of how you believe you can assist your client in finding a valuable insurance policy. A polished voicemail could increase the likelihood that you’ll hear from a client.

What is insurance cold calling?

In order to gauge a potential customer’s interest in purchasing an insurance plan, a sales representative for an insurance company will frequently use the technique known as “cold calling.” Learning how to keep potential customers on the phone so they can hear your pitch is crucial because most recipients of a cold call don’t anticipate the call.

Additionally, cold calling can assist insurance companies in their ongoing efforts to draw in new clients. By interacting with their target audience directly, they can also assist marketers and salespeople in understanding the reputation of their company.

Insurance cold calling script template

Here is a sample insurance cold call script you can use to reach out to potential clients:

I’m [your name] and I’m calling from [your company name], are you [prospects name]?

[Pause for an answer.]

Many of our clients have admitted to having encountered [the typical problem customers face]. Our insurance provides [benefit], which aids businesses like yours in overcoming this challenge. Does this sound like a problem you have with your current insurance company?

[Pause for an answer.]

Option 1: I’m sorry you went through this; I know it must have been very frustrating. With our policy, we give businesses [another benefit] so they can accomplish [a common objective for businesses]. Does this seem like something you might be interested in?.

Option 2: I’m glad to hear that you haven’t encountered this problem yet, but we want to ensure that none of our clients do. With our policy, we give businesses [another benefit] so they can accomplish [a common objective for businesses]. Does this seem like something you might be interested in?.

Insurance cold calling voicemail template

Here is a sample message you can use when calling a potential client:

Hello, Im calling for [potential customers name]. Im [your name], and Im calling from [your company name]. Many of our clients have admitted to having encountered [the typical problem customers face]. Our insurance provides [benefit], which aids businesses like yours in overcoming this challenge. With our policy, we give businesses [another benefit] so they can accomplish [a common objective for businesses]. If you think this is a policy that might be of assistance to you, kindly give me a call at [provide contact information]. I look forward to hearing from you. Thanks!.


Do insurance agents do cold calling?

Although almost every industry employs the tactic of cold calling, the insurance sector uses it most frequently. Cold calling is a significant part of the daily tasks of entry-level insurance sales professionals, but salespeople at all levels employ this strategy.

How do you make cold insurance calls?

Better Cold Calls: 5 Tips For Independent Insurance Agents
  1. Research Prospective Customers and Anticipate Their Needs. You must consider your customer before even considering your call.
  2. Prepare Short Scripts. …
  3. Ask Open-Ended Questions. …
  4. Build an Objections Map. …
  5. Practice Being Calm and Confident in Your Voice Tone.

Does cold calling still work in 2020?

Yes, Cold Calling Can Still Work In 2020.

How can I be a good telemarketer for insurance?

Attributes of Successful Insurance Telemarketing
  1. a thorough knowledge of the available insurance products and services
  2. Thorough knowledge of the insurance agency or brokerage. …
  3. A clear picture of the targeted audience for sales calls.
  4. Familiarity with sophisticated sales strategies. …
  5. A confident attitude.

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