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Simple Cold Calling Script
Here is a basic insurance cold calling script. These are the basic components you want in your pitch. You want to make it quick and simple. And you want to incorporate a question to engage them in conversation right away.

"Hi Mr. Prospect, my name is Bob Jones with Secure Insurance Agency. I was calling to see what kind of protection you had for your family in the event, God forbid, anything should happened to you."

Wait for a response...

If they have a life policy, say...

"That's great that you care enough about your family to get coverage for them. Are you certain that the protection your family has is enough to cover their expenses for a while should you pass?"

If they say they don't have life insurance, say...

"Mr. Prospect, wouldn't you want the peace of mind to know that your family will be well taken care of after you are gone? What kind of legacy would you leave if you left your family with a mountain of bills and no money to pay them?"

Here is the main point about cold calling scripts. Keep it short, simple and ask a lot of leading questions.

Also, hit them in the heart not the head. People buy emotionally much more than they do rationally, so keep talking about their family and you will have a chance at doing your sales presentation for them.

How to Get into Insurance Sales
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Warm Leads for Cold Calls
If you don't have access to warm leads, I would encourage you to find another insurance agency that does provide insurance cold calling leads to work for.


Generally the insurance brokerage or insurance agency you work for will provide you a set of leads. Some of these insurance leads will come from marketing campaigns conducted by the insurance agency or insurance carrier.

These leads will be warm because people have requested life insurance quotes and information somehow about getting insurance. Although these leads are warm, it doesn't mean it's easy.


Most likely, these prospects have also contacted other insurance companies and you will most likely be competing with several other insurance agents. So then your insurance cold calling becomes extremely important.

These are some cold calling tips that can help you on your way. No matter what type of insurance policy you are selling, these techniques will get the job done.


Cold Calling Tips and Techniques - Customer Focused

Here are some cold calling techniques. Insurance cold calling requires you to cease to be self-conscious and become customer conscious. Remember, these people asked for more information about insurance.

Help them get that information. Don't think about your fears and your hesitancy. Just focus on the customer and on why they inquired and what they need.

This requires that you genuinely care about them and their needs as people. I guarantee you, faking it won't work. People can tell when you're faking it.

You may be able to fool some, but you won't be able to fool people for the long haul. People can tell even over the phone. That means you have to change your heart. I know, seems cheesy for a insurance cold calling discussion, but it works.

Not only that, it's not sustainable if you're faking it. Why? Because faking that you care about people all the time will drain you emotionally. Over time, you'll be unhappy and tired and stressed.

However, if you genuinely care about the people you're selling insurance to, you'll get energy by helping them and selling insurance will become a thing that is satisfying to your soul, and not just your pocket book...which will lead to a fatter pocket book by the way.

But that can't be the reason you do it. You have to just let it be the afterthought of caring, or else you end up faking it again.

Again, people can tell even over the phone if you care or just want their money when you're cold calling. They can also tell if you really care and aren't after just their money.

If you change your mindset and not just your techniques, you will actually enjoy insurance cold calling, because each call will be an opportunity to help people, something you genuinely want to do.

And if they reject you, you will feel sorry for them that they passed up on an insurance agent that actually cared in exchanged for some other guy that might be just self-serving.

Cold Calling Tips - Managing Difficulties
I've laid out a few of the difficulties insurance agents face when doing insurance cold calling, but the main difficulty will be the insurance agents themselves. No one likes to cold call.

I take that back. I enjoy cold calling, but I enjoy it more like an intense sport than like a laid back recreational activity. And I wasn't always like that. I used to hate it, like most people do. But when I got over the hurdle of myself, it became like a game for me and at times fun to engage in.

So the first enemy of your insurance cold calling success if yourself. You have to get over the fear of calling people and you have to get over the hatred of calling people.

If you fear it, cold calling will drain you and you'll quit. If you hate it, cold calling will drain you and you'll quit. Here are a few ways to get over yourself and your fears that will allow you to gain insurance cold calling success.