WhatsApp is no longer just for chatting with friends — it’s one of the most powerful and free marketing tools for selling term insurance in India. With over 500 million Indian users, your potential customers are already here. All you need is the right message at the right time to start a meaningful conversation.
Here are 10 high-converting WhatsApp message templates — written for the Indian audience — that insurance agents can copy, personalize, and use immediately to boost sales.
Pro Tip: Use these messages along with the Insurance+ WhatsApp Sales Kit for matching visuals, festival greetings, and ready-to-use follow-up lines.
1. The Awareness Opener
“Hi 👋 Do you know what happens if the main earning member passes away without a term plan?”
“90% of Indian families face financial stress within 3 months.”
“Don’t let this happen to your family. Want to see a ₹1 crore cover quote?”
Why it works: Starts with a reality check and creates urgency.
2. Quick Quote Offer
“Hey! I’m helping people compare term plans today.”
“I can send you a ₹50L / ₹1Cr life cover quote in 2 minutes — it’s cheaper than a monthly pizza 🍕!”
“Just share:”
- Age
- Tobacco? Yes/No
- City
Why it works: Short, simple, and makes the cost relatable.
3. Message for Salaried Professionals
“If you earn ₹25K+ per month, you should have a term cover of ₹50L–₹1Cr.”
“It costs just ₹400–₹700 per month, and your family gets the full amount tax-free 💰”
“Want to know which company gives the best deal this week?”
Why it works: Targets a specific audience and talks about affordability.
4. Family First Angle
“Term insurance is not for you. It’s for your parents, spouse, kids.”
“One small plan = Lifetime financial security for them.”
“Want to protect them starting ₹10/day?”
Why it works: Emotional appeal that connects instantly.
5. Tax Saving Trigger
“It’s tax season!”
“Term insurance gives you 80C + 10(10D) tax benefits — but more importantly, it gives your family ₹1 crore, not just a refund.”
“Want a quote?”
Why it works: Links insurance to an immediate benefit (tax savings).
6. Policy Review Pitch
“Have a term plan already? When did you last review it?”
“You might get 20–30% better premium now due to age or new offers.”
“Want me to check if you’re eligible?”
Why it works: Opens up opportunities for policy upgrades or cross-selling.
7. Parents with Young Kids
“Your child has dreams. Your job? Secure them — even if you’re not around.”
“A ₹50L term plan ensures your child’s future continues, no matter what.”
“Should I send you some options?”
Why it works: Targets parents directly with a strong emotional hook.
8. Myth Buster Message
“MYTH: Term plan is a waste if I survive.”
“FACT: It’s like a fire extinguisher — you buy it for peace of mind.”
“Also, some plans now return your premiums if you survive. Want to know more?”
Why it works: Educates and removes a common objection.
9. Callback Trigger
“Hi, can I call you for just 3 minutes to explain a ₹1 crore term plan?”
“No pressure, no spam — just want to see if it suits your current situation.”
“Let me know a good time?”
Why it works: Respectful and low-pressure approach.
10. Festival or Occasion Based
“🎉 This Diwali / New Year / Independence Day, do something different:”
“Gift your family lifetime security with a term plan 💚”
“Want me to send a few options?”
Why it works: Uses cultural moments to make insurance feel like a meaningful gift.
Bonus Tip: Use WhatsApp Broadcast + Status
- Send 3–4 of these messages per week to different contact lists
- Post matching visuals or infographics in your WhatsApp Status
- Follow up with people who “View” but don’t reply
Click Here to get ready-made WhatsApp images, videos, and sales scripts from the eBharat.com to make your messages even more engaging.
Key Takeaway
Selling term insurance on WhatsApp in 2025 is all about personalization, consistency, and timing. Use these 10 templates, track responses, and refine your approach every week.
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