When should renewal calls start?

Twenty days before the due date for motor and health, with a second call at seven days if unpaid. Both should come from a reminder that rings the advisor, not from a printed list.

How do I open a health insurance cold call?

With the enquiry if there was one, and with a question if there was not: "Is your family covered only through your employer?" That question is answered by most people and leads straight to the gap.

Should I quote yearly or monthly premiums?

Monthly for new health and term plans, because the customer compares against a monthly salary. Yearly for renewals, because that is the number on last year's policy and the bonus makes it look good.

Is it legal to call people about insurance in India?

Calling your own policyholders and people who enquired is normal business. Cold calling numbers on the DND registry is not allowed; keep a Do not call stage and honour it, and keep the record of what was sent and when.

Can this script be used in Hindi or a regional language?

Yes. Keep the structure and the numbers; the Hindi telecalling script on this site has the phrasing. Most renewal calls in India run in the customer's language with the amounts in English.

How do I know which advisor's script is working?

By outcomes, not recordings. Renewals called before the due date, paid on the call, and new-lead calls that reached the explanation stage, per advisor on the dashboard.

Insurance telecalling script · renewals, new leads, objections

Insurance Telecalling Script: what to say, from the first hello to the follow-up.

Insurance calls are decided in the first sentence: a renewal call that opens with the policy number sounds like a bank; one that opens with the customer's car or the child's name sounds like their advisor. This script is for agents and agency tele-teams selling and renewing motor, health and term plans by phone in India, where the customer has heard a hundred insurance calls and picks up for the one that knows them.

Insurance telecalling script
Insurance renewal call script
Health insurance telecalling script
Term insurance cold calling script
LIC agent calling script
Motor insurance renewal call

What is a good insurance telecalling script?

An insurance telecalling script has two versions: the renewal call, which opens with the policy and the due date and ends with a payment link on WhatsApp, and the new-lead call, which opens with what the customer enquired about, asks two questions on family and existing cover, and ends with a specific time to explain one plan. Both keep the pitch to one benefit and log the outcome.

01 · The script5 parts, spoken

The insurance calling script, part by part

Renewal opening: the policy, not the number

When: Fifteen to twenty days before the due date, from the reminder.

Why it works: Say the item insured and the due date, then the premium with the bonus. Offer two payment timings, not "whenever convenient".

Caller
Good afternoon Mrs Iyer, this is Arjun, your advisor from [Agency] for the Honda City policy. It is due on the 24th, so I am calling early to keep the no-claim bonus intact.
Customer
Already? What is the premium this year?
Caller
₹11,400 with the 35% bonus, same cover, and I have added roadside assistance at no charge. Shall I send the payment link on WhatsApp now, or would you like to pay after the 15th?

New-lead opening: what they enquired about

When: The first call on a health or term enquiry, the same day.

Why it works: Two questions decide the plan: who is covered and what exists. Do not ask about medical history on the first call; ask it after the customer has chosen a plan to discuss.

Caller
Hello Mr Desai, Arjun from [Agency]. You asked about a family health plan on our website this morning; I am calling to ask two things so I can suggest one plan rather than five.
Customer
Go ahead.
Caller
Who would be covered, yourself and your wife, or parents too? And is there any cover already through your employer?

One benefit, one number

When: After the two answers, in one breath.

Why it works: Quote a monthly figure. Send two options on WhatsApp, not six. Book the explanation call before this call ends.

Caller
For the four of you with your employer cover of five lakh, a ten-lakh family floater on top costs about ₹1,900 a month, and it stays with you when you change jobs, which is where most families get caught.
Customer
What about a lower amount?
Caller
Five lakh is about ₹1,150. I will send both on WhatsApp with the hospital list for your area, and call at 7 tonight to go through whichever you prefer. Does 7 work?

The payment ask

When: When the customer says yes on a renewal or a new plan.

Why it works: Stay on the line for the payment. Say when the document arrives. Set next year's reminder while they are still there.

Caller
I am sending the link now; it takes two minutes and the policy PDF comes to the same WhatsApp within the hour. I will stay on the line in case the page asks for anything.
Customer
Done.
Caller
Received, thank you. I have set a reminder to call you a fortnight before next year's date, and if you ever need a claim, this number is the one to call, not the helpline.

The follow-up call

When: The time you promised, or a week before the due date if a renewal has not paid.

Why it works: Assume they have not read it. Explain one plan in three lines. Never ask "did you get a chance to decide".

Caller
Arjun from [Agency], calling at 7 as we agreed about the family floater. Did the two options reach you on WhatsApp?
Customer
Yes, but I have not had time to read them.
Caller
Then let me read the one that fits in ninety seconds, and you tell me what to change. The ten-lakh floater: room rent without a cap, day-care procedures covered, and the four of you on one policy.

02 · Objections5 you will hear this week

What insurance customers say, and what to answer

“The premium has gone up.”: It has, by about ₹900, because the insurer revised rates this year for everyone. Your bonus took ₹4,000 off; if we lapse and restart, the bonus goes and the rate stays. Paying before the 24th is the cheaper of the two options.
“My company already gives health insurance.”: Keep it; this sits on top. The company cover stops the day you leave, and the waiting periods on a new policy start from zero at that point. A floater bought now at 38 costs half what it costs at 48.
“I found a cheaper quote online.”: Send it to me on WhatsApp and I will compare the room-rent cap and the co-pay line by line, tonight. If theirs is genuinely better on those two, I will tell you to take it.
“I will renew after the due date.”: You can, but the grace period costs the no-claim bonus on motor and restarts waiting periods on health. Pay today and I will note that you want the call two weeks earlier next year.
“I do not need term insurance.”: May I ask one question? If your income stopped next month, how long would the home loan run on savings? A one-crore term plan at your age is about ₹950 a month, and that is the only reason to buy it.

03 · Do and do not

Do

Open with the insured item or the family member, never the policy number
Quote the premium with the bonus or the monthly figure
Send two options on WhatsApp, not the brochure
Stay on the line for the payment
Set next year's reminder before hanging up

Do not

Do not ask medical questions on the first call
Do not read policy exclusions on the phone
Do not offer a discount you cannot document
Do not call after 8 pm
Do not leave a renewal to the customer's memory

04 · After the callTwo taps, then the next number

What to log so the next call starts where this one ended

A script that is not logged is a script that is repeated. In Telecalling Software the after-call sheet takes two taps, and the follow-up rings the caller with this note open.

Stage: Renewed, Will pay by date, Interested, Not renewing with the reason
Fields: policy, premium quoted, cover chosen, who is covered
Note: the objection they raised and what you answered
Follow-up: the payment date or next year's reminder with a fortnight's lead

Telecalling Software for insurance Try it free for 3 days

05 · Questions

About the script.

When should renewal calls start?: Twenty days before the due date for motor and health, with a second call at seven days if unpaid. Both should come from a reminder that rings the advisor, not from a printed list.
How do I open a health insurance cold call?: With the enquiry if there was one, and with a question if there was not: "Is your family covered only through your employer?" That question is answered by most people and leads straight to the gap.
Should I quote yearly or monthly premiums?: Monthly for new health and term plans, because the customer compares against a monthly salary. Yearly for renewals, because that is the number on last year's policy and the bonus makes it look good.
Is it legal to call people about insurance in India?: Calling your own policyholders and people who enquired is normal business. Cold calling numbers on the DND registry is not allowed; keep a Do not call stage and honour it, and keep the record of what was sent and when.
Can this script be used in Hindi or a regional language?: Yes. Keep the structure and the numbers; the Hindi telecalling script on this site has the phrasing. Most renewal calls in India run in the customer's language with the amounts in English.
How do I know which advisor's script is working?: By outcomes, not recordings. Renewals called before the due date, paid on the call, and new-lead calls that reached the explanation stage, per advisor on the dashboard.

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