Most people don't want to talk about life insurance, so the first few seconds decide the call. Scripts that open with a trick ("Did you get my letter?") or sound like a government office get hung up on and reported. The scripts below are short and plain. Read them out loud and change any word you wouldn't actually say.
Before you dial
- Call people who asked to hear from you. Quote requests, referrals and past clients answer more and complain less than cold lists.
- Check the number first. Screen it against the national and internal Do Not Call lists and only call in reasonable hours in the lead's own time zone. Your compliance team sets the exact rules.
- Keep the lead's consent record handy in case they ask how you got their number.
- Know the one next step you want. A 15-minute needs call is easier to agree to than a policy.
Script 1: a new quote request (called within minutes)
Mentioning the form and when she filled it in tells Maria straight away why you're calling. The question that follows is open, so she does most of the talking.
Script 2: an aged lead
Admitting that time has passed takes the pressure off. James can say he's sorted, and if he isn't, he has no reason to get defensive.
Script 3: a referral
Dev's name is what keeps Priya on the line. Offering two times lets her book without feeling pushed.
Script 4: a past client review
Script 5: voicemail
Say the number twice and slowly. Don't leave the same message more than twice. Send a short text instead if the lead agreed to texts.
Answers to common objections
| They say | You can say |
|---|---|
"I'm not interested." | "Fair enough. Can I ask, is that because you're already covered, or because now isn't the time?" |
"I already have insurance through work." | "That's a good start. Work coverage usually ends when the job does and is often one or two years' salary. Would it help to see whether that's enough for your family?" |
"It's too expensive." | "What were you expecting to pay? Term policies are often less than people think, and we can start from a budget you're comfortable with." |
"Just send me something." | "Happy to. So I don't send you the wrong thing, can I ask two quick questions about what you'd want it to cover?" |
"How did you get my number?" | Tell them exactly: the form they filled in, the date, or who referred them. If you don't know, apologize and take them off your list. |
How many calls does it take?
Most leads don't answer the first call. Plan a short sequence: a call within five minutes of a new request, a second call later the same day, then a call and a text over the next few days. Stop when they say no, and mark the reason so you don't call them again by mistake. In Adoptiv, call outcome actions do this for you: picking an outcome at hang-up can book the callback, create the follow-up task or mark the number Do Not Call.
Running these calls in Adoptiv
Adoptiv's DNC compliance screening checks each number against the federal Do Not Call list and known litigators before you dial. It also flags a call outside 8 am to 9 pm in the lead's own time zone, and keeps the lead's consent record (TrustedForm or Jornaya certificate) on the lead. On AI+, AI call analysis writes notes and next steps for every call, so you can see which opener and which objection answer actually lead to appointments. See pricing.