Key takeaways
- Rapidialer talk tracks fill three merge fields only:
{{contact}},{{company}}and{{last_notes}}. - Federal rules allow telemarketing calls from 8 a.m. to 9 p.m. in the called person’s time; Rapidialer’s default window is 09:00 to 20:00, Monday to Friday.
- FCC rules allow at most ten business days to honor a do-not-call request; Rapidialer’s DND outcome blocks the number at once.
- A Callback outcome with a date and time comes back as a due follow-up, ahead of new contacts in the list queue.
Insurance: quote request follow-up
Use it as an insurance agent phone script for aged internet leads, past quote requests and policy-review calls. For a lead who requested a quote minutes ago, use the variation opener; they already know why you are calling. Listing agents calling homeowners can start from the real estate cold calling script, which uses the same stages.
Opener
Hi
{{contact}}, this is [your name] with [agency]. You looked into [auto / home / life] coverage a while ago, and I am calling to see whether it is still worth a quick look. Do you have two minutes?Reason for the call
Thanks. I will keep it short. Most people I speak with are either paying more than they need to or missing a coverage they assumed they had. I will ask a few questions, and if I cannot save you money or close a gap, I will tell you so.
Discovery
Who are you insured with today, and when does the policy renew?
What made you look at coverage back then?
Has anything changed since: a new car, a new home, someone new in the household?
What matters most to you: the monthly price, the deductible, or how claims are handled?
Is anyone else involved in deciding on coverage?
Quote handoff
Based on what you have told me, I can put a side-by-side quote together. It takes me about a day. Could we go over it on [day] at [time]? I will call you at this number.
Close the call
Great, you are down for [day] at [time]. If anything changes before then, call me back on this number. Thanks for your time,
{{contact}}.Variation: fresh quote request
Hi
{{contact}}, this is [your name] with [agency]. You asked for a [auto / home / life] quote [this morning], so I am calling while it is fresh. Do you have five minutes for a few details?
Words in brackets are yours to fill in. Merge fields like {{contact}} are replaced with the lead’s details when the script is used in Rapidialer.
Tips for using this script
- Say the reason for the call in the first ten seconds. People stay on the line when they know why you called.
- Open fresh leads with the variation stage. On voicemail in a Power Dial session, leave a short live voicemail and say your number twice.
- Ask one discovery question at a time and write the answer in the call notes; it fills
{{last_notes}}on the follow-up script. - End every conversation with a specific next step and log it as a Callback outcome with the agreed time, so it comes back as a follow-up.
- If a person asks not to be called again, thank them, end the call and log DND, which adds them to your Do Not Call list; do not try to change their mind.
What to say when you hear…
- “I already have insurance, and I’m happy with it.”
- That is good to hear, and I am not asking you to switch today. When does it renew? If I can show you the same coverage for less before then, would that be worth a ten-minute look?
- “Just email me something.”
- I can, but a quote without your details would be a guess. Two quick questions and I will send you something accurate: what car do you drive, and when does your policy renew?
- “I don’t have time right now.”
- No problem. When is a better time for a five-minute call? I will put it in my calendar and call you then.
- “How did you get my number?”
- You requested information about [coverage] through [source] on [date], and I am following up on that. If you would rather not hear from us, I will take you off our list right now.
How do you load this script as a talk track?
Create it once under Settings, Scripts and it appears beside the keypad on every call. Choose Create script, pick Blank script, and name it in Script name.
For each stage above, put the stage title in Chip label and paste the lines into What to say. Use + Add step until all six stages are in, tick Set as default on Call and save. In the Dialer the What to say panel shows each stage as a chip; click one or press the left and right arrow keys to move.
What should you coach on each stage?
Review recordings stage by stage and give each rep one note at a time.
- Opener: the line about when they looked into coverage is the hook.
- Reason for the call: the promise to say so if you cannot help earns trust.
- Discovery: the renewal date matters most because it sets the follow-up date; type it into the notes.
- Quote handoff: offer one time, then one alternative on another day.
- Close the call: repeat the day and time back, then log Callback with that exact time so the follow-up is due when promised.
How do you adapt this into a life insurance cold calling script?
A life insurance cold calling script keeps the same six stages and changes discovery the most: the questions move from cars and renewal dates to the people who rely on the lead’s income. Save it as its own talk track, such as “Life insurance: quote follow-up”, so reps switch scripts in the picker without relearning the flow.
Health insurance calls follow the same stages with more rules, and Medicare plans most of all, so check the FAQ below before adapting this into a health insurance cold call script.
- Opener: Hi {{contact}}, this is [your name] with [agency]. You asked about life insurance through [source] a while back, and I am calling to see whether it is still on your list. Do you have two minutes?
- Discovery: Who would need looking after if something happened to you? Do you have coverage through work, and would it follow you if you changed jobs? Is there a mortgage or other debt you would want paid off? Are you thinking of cover for a set number of years, or for life?
- Quote handoff: The price depends on your age, your health and the amount, so the next step is a short application call. Can we do that on [day] at [time]?
- Objection, “I have coverage through work”: That is a good start. Do you know how many years of income it would replace, and whether you keep it if you leave the job? If you are not sure, five minutes on [day] will answer both.
What do you say on the renewal callback?
Call back a lead whose policy renews soon with a second, shorter talk track. Save it as its own script and switch to it in the script picker when you work due follow-ups; {{last_notes}} brings back what the lead said last time.
- Reconnect: Hi {{contact}}, it is [your name] with [agency]. When we spoke, your policy was coming up for renewal, so I said I would check back.
- Recap: Last time you mentioned: {{last_notes}}. Is that still right?
- Compare: I have the side-by-side ready. The main difference is [price / deductible / coverage]. Can I walk you through it now, or is [day] better?
- Next step: If it looks right, we can start the application today, and nothing changes until your current policy ends.
Load it as a talk track in Rapidialer
Create a talk track
In Rapidialer, open Talk tracks, add a new one, and give it the script’s title.
Paste each stage
Add one stage per section above. Keep
{{contact}},{{company}}and{{last_notes}}as they are; they fill in during the call.Make it active and dial
Set it as the active talk track, open your list in the Dialer, and move through the stages as the call goes.
Teams that use this script
- Insurance agentsHow insurance agents and agencies work fresh and aged leads, callbacks and quotes in Rapidialer.
Insurance cold calling script: questions and answers
How long should an insurance cold call opener be?
An insurance cold call opener should take twenty seconds or less: who you are, why you are calling this person, and a question asking for two minutes. Longer openers invite a hang-up before you ask anything, so save your agency’s history and the carriers you quote for the discovery stage.
What should an insurance agent say in the first 10 seconds?
An insurance agent should use the first 10 seconds for three things: your name and agency, the specific reason you are calling this person, such as the quote they requested in March, and a permission question. “Hi Dana, it’s Sam with Acme Insurance. You asked about home coverage in March. Do you have two minutes?” Skip small talk and company history.
How do I load this script into Rapidialer?
Open Settings, Scripts and choose Create script. Add one step per stage, with the stage name in Chip label and the lines in What to say, and tick Set as default on Call. In the Dialer the stages become talk track chips with the contact’s name filled in.
Can I use this script for final expense or Medicare leads?
The structure works for final expense, but not for cold Medicare calls: CMS bars Medicare Advantage and Part D plans and their agents from unsolicited telephone contact with beneficiaries (42 CFR 422.2264), so call Medicare leads only when the person asked to be contacted. For final expense, prepare for the objections those leads raise.
What hours can insurance agents make cold calls?
Federal telemarketing rules allow calls between 8 a.m. and 9 p.m. in the called person’s local time, and some states set tighter windows. Rapidialer’s calling hours default to 09:00 to 20:00, Monday to Friday, checked in each contact’s own time zone.
What should I do when a lead asks not to be called again?
Thank the lead, end the call politely and log the DND outcome. In Rapidialer, DND adds the number to your organization’s Do Not Call list before the next contact loads and cancels the lead’s scheduled follow-ups. FCC rules allow at most ten business days to honor a request, so an instant block is the safe way to handle it.
Which merge fields can an insurance talk track use?
A Rapidialer talk track can use three merge fields: {{contact}} for the lead’s name, {{company}} for their company, and {{last_notes}} for the notes from your last call with them. Policy type, renewal date and other CSV columns cannot be merged, so put the renewal date in your call notes and it returns through {{last_notes}}.