How To Sell Home Insurance Over The Phone?

  • Pay attention to what they’re saying and engage them. When you phone a prospect or a current client, be on the lookout for fresh opportunities. Inquire about their hobbies (do they require motorbike or boat insurance? ), whether they have children (would it be prudent to discuss life insurance? ), and whether they own any investment properties (do they require liability coverage?). You will be able to address their issues by allowing them time to discuss and asking open-ended inquiries. It will also aid in engaging them rather than pitching them throughout the call. You should also be on the lookout for hints regarding what will influence their purchasing decisions. Not every customer is seeking for the best deal. Some people are more interested with ratings or technological advancements. Take notes during the chat because you are unlikely to recall everything.
  • Avoid using jargon or slang. Speaking with a salesperson who is speaking in a foreign language is a turnoff. Save the industry jargon for interactions with your coworkers and communicate in plain English to buyers. When calling a potential client, use professional language and avoid slang. If you were meeting in person, you would dress in business casual wear at the very least; maintain the same demeanor over the phone to increase your trustworthiness. Those prefer to buy from people who are clever and self-assured.
  • Be ready for the phone call. Practice your pitch, figure out where you stand in comparison to competitors, learn everything you can about sales, and seek help from more experienced insurance salespeople. More advice on boosting the efficacy of your inside sales pitch may be found in this blog post.
  • Make a name for yourself as an expert. It’s critical to create credibility and authority when selling insurance over the phone. Your potential customers need to know that they’re buying from a professional who can give them all the information they require. When it comes to selling life insurance, your credibility as an expert is very important. People want to buy from someone they can trust and who will consider their best interests when making an offer because it is such a huge decision.
  • Establish a rapport with your potential customer. Building rapport and providing a comfortable environment that allows potential clients to open up, share all of their concerns, and be truthful about what they require is the first step toward gaining trust. When you answer the phone, always smile since prospective prospects can hear your happy voice even if they can’t see you. As a result, you’ll come across as pleasant and approachable, and your prospects will feel at ease.

Small chat and a question along the lines of “How’s your day going?” will help you break the ice. This will humanize your approach, and your prospects will not believe they are conversing with a chatbot. Also, as your prospect is speaking, use so-called verbal nods like I see, ah, right, mhm, and so on to show that you’re paying attention. Using the same words, especially the adjectives, that your prospects use can demonstrate to them that you are paying attention and comprehending what they are saying. All of this will assist you in demonstrating empathy and building connection with your prospects, as well as breaking down communication hurdles that may arise throughout the phone chat.

  • Don’t give up hope. You might be able to sell some insurance products in only one call, but expect a second or third call. Your prospect may need to do some research to evaluate your pricing, confer with their spouse, or decide not to trust you after just one conversation. âDon’t take it personally, but don’t give up. Whether you get a flat âno,â ask if you can call back when their contract is up for renewal.
  • Being well-organized is essential. Everything you’ll need to close the deal is there at your fingertips. It’s a good idea to open any relevant files before dialing so you don’t have to fumble around looking for documents during the call. Underwriting rules are something you’ll want to have on hand at all times.
  • Make a script for your pitch. Prepare a written sales script that includes everything you’ll need to say to your prospects. Once you’re on the phone, you can adjust the script to match the tone of your contact, but remember your pitch so you can add inflections to your voice and avoid sounding like a monotone recording.
  • Make a copy of the concluding statement as a backup. Is your potential client still undecided? Keep a backup closing statement on hand. Ask if you may call them again at their next renewal time, or if you can send them a comparison of quotes, which ties in with advice number four. Having a visual representation of your services rather than just hearing the numbers might help the buyer appreciate the value of your services.

How do you sell insurance to customers?

All of the strategies listed here are nearly failsafe. However, this does not imply that they will all function perfectly for you. Remember that you must first experiment to see what works best for you and then adhere to that technique religiously.

So, here are some insurance-related techniques that you should try out.

How do I sell general insurance on call?

The world has become smaller as a result of technological advancements. In fact, mobile phones have broken down geographical borders, as everyone is now only a phone call away. Phones have become so useful that even business dealings may now be completed over the phone.

When it comes to selling insurance, your phone can help you increase your revenue. By selling insurance over the phone, you may engage with your contacts and convert them into clients. Selling insurance over the phone, on the other hand, is a skill. The first five minutes of a conversation are crucial because they establish a first impression and can make or break a deal. You may not only sell more conveniently over the phone if you learn the skill of selling over the phone. So, do you know how to sell over the phone?

Homework is important not just for students, but also for you as you prepare to call your contact. Before making the call, prepare yourself. You ought to –

When your contact answers the phone, make a professional introduction. Even if your contact is familiar with you, it is necessary to offer a formal introduction so that the contact understands that this is a business conversation. Check to see if your client is available to speak once you’ve introduced yourself.

Fact-gathering is a vital task that will help you narrow down the best product for your customer. Solicit a lot of information from your contact in order to determine his or her insurance requirements. Only by listening to your contact’s responses can you determine what he or she requires. The procedure is professional, and it also places the ball in the hands of your contact. Can your contact refute the needs once they’ve been identified?

After you’ve completed the fact-finding process and have a good understanding of your consumers’ demands, you may recommend products that will meet those needs. For example, if your customer owns a car, find out whether it is covered by insurance. If you don’t have any, you can sell car insurance, which is required by law. A child insurance plan, on the other hand, would enable your customer build a corpus for his or her child if he or she has a child. So, rather than meeting your sales objective, suggest products based on your clients’ wants.

When selling insurance, you must be prepared to deal with any objections that your consumer may raise. When you gather information and recommend appropriate items, your contact will raise a number of concerns. To manage the client’s objections, you should have all of the necessary facts on hand. Instead than seeing concerns as roadblocks, think of them as opportunities to discuss more. Deal with your consumers’ complaints delicately and logically, and you’ll be able to persuade them of the product’s suitability.

You can earn sales over the phone if you follow these guidelines. The procedure would be straightforward and quick. Once the client agrees to the suggested product, you may visit him or her to complete the transaction or even assist them in purchasing the product online with your assistance. When selling over the phone, however, you should be wary of the following:

  • Always check to see if your customer is available to speak. If he or she is unavailable, schedule another time to contact.
  • A single phone call would not enough. To finalize the deal, you may be asked to make follow-up calls. You must be diligent in your follow-up or you will lose the sale.
  • Encourage your client to speak with you. Don’t begin a monologue in which you control 90% or more of the conversation. Engage in interactive chatting to gather information and assess needs.
  • Make an effort to keep the conversation brief and to the point. A extended conversation is likely to dull the client, who will eventually lose interest in the call.

Connect with your contacts via your phone using these ideas and considerations. Working smart with your phone will save you time and money by eliminating the need for several visits to make a deal.

How do you sell insurance effectively?

The common goal, regardless of the sort of insurance you offer, is to boost sales and your pipeline. The good news is that there are a number of low-cost options to grow your business. Here are five tactics for selling insurance that have been proven to work.

Sales pitches and scare techniques are disliked by the general public. Your greatest prospects don’t want to be lectured on the importance of your insurance coverage in protecting their assets. People are looking for solutions to their own difficulties. Assist your consumers in seeing how the policies you’re giving will assist them handle either a problem they haven’t encountered yet or one they will encounter down the line. Work with your prospects to show them that you’re providing them with more than just insurance; you’re providing them with peace of mind.

Any strategy for selling insurance must be based on achieving realistic objectives. In the first week, how many appointments do you want to schedule? What about the twelve-week period? What proportion of the meetings should result in a sale? If you’re scared your goals are a little too lofty, don’t be afraid to create attainable targets so you may gain confidence and feel like you’re making progress toward your objectives.

You’ve probably heard how important it is to network on a regular basis.

Keep up with the latest industry news by attending meetings, tradeshows, and conferences.

Seek out peers who have achieved considerable achievement while also facing adversities that have provided opportunity for learning and growth.

How do you close a insurance sale?

When it comes to sales, even the most accomplished insurance professional might face a snag now and then. In your sales efforts, you can use a variety of strategies. Because no single strategy will work in every case, having a few options based on the situation and your prospect is a good idea.

1. Sell the asset’s worth

Make sure you explain to your consumer why the product you’re recommending is a better fit for their specific situation than something from another provider (or another broker). It’s fine to sell based on cost if carrier A offers a plan with a similar network but cheaper charges. If, on the other hand, the plan you’re recommending is more expensive, make sure you explain why. Many of the benefits of an HMO are available with an EPO, but it often has more flexibility when it comes to self-referrals. Inquire if there are any specific doctors, specialists, or hospitals that employees want to be able to keep if their health coverage change. Compare different provider networks or the prescription drug benefits of the plans under consideration with some pictures. This can help you stand out from the crowd and form a better bond with your prospect. According to studies, more than 90% of people base their decisions on visual input data. Images are processed far faster in the brain than words. Furthermore, your buyer will want to buy from you if they can perceive the value of what you’re delivering.

2. Give examples and pose questions

For your customers, become a storyteller. Tell them about how you’ve helped others save money on employee benefits or lower employee out-of-pocket expenses. Ask inquiries to learn more about the employer’s or benefits manager’s priorities. For example, inquire about their current insurance plan (if any) and any problems they’ve had while covered by it.

It’s critical to establish a relationship with your consumers so they believe you’re working for them, not for yourself or the insurance companies. This will build trust and demonstrate that you care, removing their objections to purchase and getting you closer to a sale. Asking your sales staff to sit together and share objections they’ve heard from others is a smart way to help you prepare for objections. This way, you’ll be better prepared for what you might face.

3. Take it slowly.

While some argue that a “now or never” or “urgency” close can be effective in sales, it does not work well in the context of insurance or employee benefits. It’s unlikely that the package you’re promoting includes a gift or a discount. The best you can hope for is to utilize your knowledge of an impending rate rise to persuade an employer to implement the increase sooner rather than later – or to adopt a different strategy without a stated rate increase. If there is a bonus program in place, that could be beneficial to you; however, if you’re working in the best interests of your customer, you won’t be swayed by further money if the incentive plan is more expensive or provides a poorer network for your client.

4. Don’t make promises you can’t keep and then over-deliver.

If you’re working with a customer who needs coverage right now, don’t make the mistake of agreeing to a start date before you know what you can fairly expect. Carrier specifications differ, and some may be more flexible than others. There are many steps involved in the underwriting and enrollment of an insurance contract, but only a few of them can be accelerated. Online registration could save time, but it is not appropriate for every organization because it requires access to a computer, which not all firms supply for all of their employees. Engage in an open communication with your consumers to guarantee that both parties’ expectations are met.

5. Stop putting forth so much effort.

Rather than focusing on the closure, assist your client in finding the best match for their scenario. Is the approach you’re advocating financially and in terms of the employer’s staff sound? The more you push, the more likely your prospects will push back. Listen, talk, and share what you’ve learned. Don’t let your excitement or nerves force you to overlook a clue that your prospect is ready to buy.

Of course, whether you succeed or fail, you should follow up. Send a thank-you note if the sale goes through. Don’t give up if you fall short. Later, follow up with your non-successful sales leads. You never know when things may change or when they will be more receptive to you and your health plan.

Our team at Word & Brown is dedicated to our continued success. We provide a wide range of sales and marketing materials, as well as a team of dedicated sales specialists to present alongside you, as well as compliance and account management experts to help you keep your clients satisfied – and coming back year after year. To get started, go to our new broker website or contact one of our six regional offices.

Is selling insurance a good career?

If you’re debating whether or not insurance sales is a smart career choice, it’s a good idea to weigh the benefits of this industry. Here are a few ideas to consider:

Flexible schedule

Many insurance agents work on their own schedules, which allows them to be more flexible. Setting your own schedule is likely interesting if you do not want to work standard business hours or if you have other responsibilities that necessitate a more flexible work schedule. Although insurance agents frequently meet with clients and possible leads in person, they may operate from home for at least part of the time. Those face-to-face meetings will almost always take place in a professional context.

High earning potential

Because many insurance sales agents are paid on commission, there is a lot of money to be made. Work ethic and willingness to put oneself out there to establish relationships and offer insurance products to clients determine your earning potential. In addition, policy renewals provide insurance agents with a passive income stream.

Opportunity to provide a benefit

Insurance is something that everyone needs, and it can provide a safety net in the case of a calamity, such as an unexpected death or a natural disaster that causes major property damage. Agents have the opportunity to deliver a significant advantage to their clients by selling insurance. Health insurance can help cover medical costs and treatments, while auto and house insurance safeguard these essential and necessary assets. Life insurance is also advantageous because it can pay funds to a person’s family members after they have passed away.

Minimal entry barriers

There is a state licensure exam that insurance salespeople must complete, but there are few other barriers to admission. Although some employers may prefer it, a college diploma is not required for this position. Most agents learn on the job and through training, so prior experience isn’t required.

What is the most profitable insurance to sell?

Selling the Most Profitable Insurance

  • Auto insurance is the most popular and profitable insurance product, which should come as no surprise.
  • Theft, flood, fire, and bad weather are all examples of risks to your clients’ property that are normally covered by property or house insurance.

How do I promote myself as an insurance agent?

There are numerous blogs on the internet that can teach you how to market your company, but there is a lot of information to sort through. We’ve taken care of the grunt work so you can concentrate on your business. Here are a few low-cost or no-cost suggestions to help you get started with digital marketing.


This is just another simple approach for you to add value to your customers. To create good material, you don’t need to be a skilled video editor. Start recording with your smartphone in a peaceful area. You can even discuss the same subjects that you’re writing about. It should be uploaded to YouTube and shared on your website, emails, and other social media sites.

Create Eye-Catching Graphics

You don’t need to be a designer to make stunning graphics for your website, social media postings, emails, or even advertisements. There are low-cost marketing solutions, such as Canva, that feature ready-to-use templates for each situation. More than 8,000 templates and over 100 design kinds are available in the free plan.

Consistently Publish on Social Media

It is no longer optional to have a social media presence. It’s not necessary to be active on every platform accessible; doing so would be exhausting. Pick two or three and begin publishing on a regular basis. According to most experts and research, you should publish one or two times every day. You will reap the benefits even if you routinely write twice a week and provide some form of value to your followers (e.g., all that stuff you’re writing on your website).


You may believe that advertising on Google or social media is out of your price range, but that is a falsehood. Anyone, regardless of their financial situation, can promote. You’ll have to put in a bit more effort, but pay-per-click (PPC) can work for you if you have the correct target demographic and an appealing design.

Host a Class or Event

This can be done in person or on the internet. Choose a subject or topic and invite the people you want. You can invite your community by posting your event on Facebook events, or you can choose a small set of clients and ask them to bring someone they know (e.g., another business owner). In either case, this is a cost-effective approach to get your name out there.

Request online reviews

Make it simple for satisfied customers to provide good online reviews by including 1-click call-to-action (CTA) buttons on your website or sending email reminders (think Yelp). Peer reviews are used by many consumers to make purchasing decisions. By having a strong online reputation, you can make it easier for prospects to choose you over the competition. Also, keep an eye on reviews and respond to them. This will enable you to respond to any unfavorable or incorrect reviews and preserve a positive internet reputation.

Ask for Referrals

Commercial insurance agents rely heavily on referrals. Now is the moment to start a referral program or one that gives incentives (such as discounts for referrals that result in sales).

Why do insurance agents fail?

I also wanted to see what the main reasons were for agents ceasing to offer insurance.

The pie graph below shows a set of generally shared reasons why insurance salespeople fail.

How do I cold call my business for insurance?

When someone picks up the phone, they are much more inclined to converse with a pleasant caller. These techniques can help you maintain a positive attitude:

Focus on the benefits of your items rather than the premiums. Keep in mind that the worst that can happen is that they will say no.