Insurance Cold Calling Script
The exact insurance cold calling script that converts 6% of conversations to policy reviews. Includes opener, objection handlers, voicemail script, and pro tips from agents making 75+ dials daily.
1The Opener
Hi, is this {{prospect_name}}?
Great! This is {{your_name}} with {{your_company}}. I'm reaching out to folks in {{area}} because I've been helping people review their insurance and a lot of them are finding they're either overpaying or underprotected.
Do you have just 60 seconds? I'm not going to try to sell you anything today—I just want to see if a quick policy review might be worth your time.2Discovery & Pitch
Perfect. So let me ask you a few quick questions to see if I can help.
First, when was the last time you reviewed your insurance policies—whether that's auto, home, life, or whatever you have? [LISTEN]
[If it's been over a year:] Got it. A lot changes in a year—your circumstances, the market, new discounts that become available. Most people I talk to are surprised to find they can save {{savings_range}} per year just by having a fresh set of eyes on their policies.
[If recently reviewed:] That's great—it's smart to stay on top of it. Let me ask: were you working with an agent who shops multiple carriers, or just with one company? [LISTEN] See, the difference is that I can compare rates across {{number_carriers}} different insurance companies to find you the best deal. It's like having someone do all the shopping for you.
Here's what I'd suggest: let's set up a 15-minute call where I can pull your current policies, run them through our system, and show you exactly where you stand. If I can save you money, great. If not, at least you'll have peace of mind knowing you're not overpaying. Fair enough?3Objection Handlers
Click an objection to see the response. Practice these until they're automatic.
Your Response
That's great to hear. Most of my clients were happy with theirs too—until they saw what else was available. I'm not asking you to switch. I'm just offering a free comparison. If your current company is the best deal, I'll tell you. Would a 10-minute review hurt?
4Closing Options
Would {{day}} at {{time}} work for a quick policy review, or is {{alternate_day}} better?
Let me grab a few details now, and I'll have a quote ready for you by tomorrow. What type of coverage are we looking at first—auto, home, or life?
I'll send you a calendar invite for {{day}} at {{time}}. We'll go through your policies and see if there's any savings. What's your email?
Here's what I'll do—I'll send you a quick form to upload your current policy, and I'll have a comparison ready within 24 hours. Sound fair?
Voicemail Script
Hi {{prospect_name}}, this is {{your_name}} with {{your_company}}.
I'm reaching out because I've been helping people in {{area}} review their insurance, and many are finding they're overpaying by {{savings_range}} per year.
I'd love to do a quick comparison for you—it takes about 10 minutes and costs nothing.
Call me back at {{your_phone}}. Again, that's {{your_phone}}. Thanks!Variables to Customize
{{prospect_name}}Prospect's name{{your_name}}Your first name{{your_company}}Your agency or company name{{area}}Their city or neighborhood{{savings_range}}Estimated annual savings (e.g., '$400-800'){{average_savings}}Your average client savings{{number_carriers}}Number of carriers you work with{{day}}Suggested appointment day{{time}}Suggested appointment time{{alternate_day}}Backup day{{your_phone}}Your phone numberPerfect For
- Independent insurance agents building client bases
- Captive agents looking to grow their book
- New agents learning prospecting fundamentals
- Agents targeting specific demographics or areas
- Agencies with team members making outbound calls
- Agents focusing on policy reviews and cross-selling
Not Ideal For
- Agents without competitive rates to offer
- Markets with very high satisfaction with existing carriers
- Agents unwilling to do policy comparisons
- Those expecting same-day closes (insurance takes nurturing)
Pro Tips
Always lead with savings potential—it's the #1 reason people switch
Have specific savings examples ready ('I just saved a family in your area $600')
Ask about ALL their policies—auto, home, life, umbrella—to maximize value
Offer to review their current policy before quoting; it shows you care about coverage, not just price
Follow up within 2 hours with a detailed quote email
Best days to call: Tuesday, Wednesday, Thursday. Avoid Monday mornings and Friday afternoons
If they mention a life event (new baby, new home, new car), that's your opening for a review
Common Mistakes
Leading with 'Can I quote your insurance?' instead of offering value
Not asking about all lines of coverage—you're leaving money on the table
Being pushy about switching before showing the comparison
Not following up after sending quotes—most sales happen on follow-up
Forgetting to ask for referrals after closing a policy
Not tracking why people don't switch—learn from every no
Practice Exercises
Role-play the opener until it sounds conversational
Practice each objection response until you don't hesitate
Run mock quotes to understand your system inside out
Record your calls (where legal) and review for improvement
Time your opener—it should be under 30 seconds
Tone & Delivery
Consultative and helpful, like a friend who works in insurance. You're not selling—you're offering a free service that could save them money. Avoid insurance jargon; use simple language. When they mention their current coverage, don't bad-mouth it; instead, focus on finding something 'even better.'
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