If you’re an insurance agent in India, having a ready-to-use sales script in Hindi can help you close more deals — especially when talking to middle-class families, homemakers, salaried individuals, or rural customers.
A good script builds trust, makes you sound confident, and helps you handle objections like a pro. Below is a field-tested term insurance sales script in Hindi, along with real-world objection handling examples that you can memorize, customize, and start using immediately.
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Use Case for This Script
- Product: Term Insurance (₹50 Lakh – ₹1 Crore cover)
- Monthly Premium: ₹400 – ₹1,000
- Ideal Customers: Salaried individuals, small business owners, parents, and homemakers
1. Ice-Breaker Script (Initial Conversation)
When you first talk to a prospect, the goal is to grab attention quickly without sounding too forceful.
Agent:
“Namaste Bhaiya / Didi! Aaj kal har cheez mehngi hoti ja rahi hai — par agar kal ko kuch ho gaya, toh family ka kya hoga?”
“Main ek simple life insurance plan ke baare mein batana chahta hoon jo ₹10 din se bhi kam mein aapki family ko ₹50 lakh ka protection de sakta hai.”
“Aapke 2 minute lunga?”
Pro Tip: Keep your tone warm and friendly. Speak like you’re talking to a neighbour, not a salesman.
2. Pitch Script for ₹50L / ₹1Cr Term Plan
Once you have their attention, explain benefits in simple language.
Agent:
“Yeh ek pure protection plan hai — jise Term Plan kehte hain. Isme koi savings nahi, sirf suraksha hai.”
“Agar policy holder ko kuch ho jaye, toh family ko ₹50 lakh ya ₹1 crore milega.”
“Yeh paisa tax-free hota hai, bina kisi court chakkar ke, seedha nominee ke account mein.”
“Aur premium sirf ₹400–₹800 mahina ka hota hai — ek mobile recharge se bhi kam.”
3. Common Objection Handling in Hindi
Objection 1: “Mujhe sochna padega.”
Agent: “Bilkul bhaiya/didi, sochna zaroori hai. Par agar hum insurance lene ka wait karte hain, aur kuch ho jaye — toh hum soch bhi nahi paayenge.”
Objection 2: “Paisa abhi nahi hai.”
Agent: “Samajh sakta hoon. Isi liye toh ₹400–₹500 ka plan suggest kar raha hoon. Ek hafta bahar khana bandh karo, aur poori family ki suraksha ho jaayegi.”
Objection 3: “Term plan mein paise wapas nahi milte na?”
Agent: “Bilkul sahi. Jaise aap fire extinguisher ghar mein rakhte ho, par use karte nahi — waise hi term plan hai. Kabhi use na ho, toh sabse achha.”
“Aur agar aap chahein, toh return-of-premium plans bhi milte hain.”
4. Script for Homemakers or Mothers
Agent:
“Didi, agar bhaiya kal ko ghar ke bahar kuch ho jaaye, toh ghar ka kharcha, bacchon ki fees, sab kuch aapke upar aa jaayega.”
“Ek chhoti si planning se aap unki zimmedari aaj le sakte ho — ek ₹50 lakh ka term plan se.”
“Sirf ₹500 mahina mein.”
5. Follow-Up Script for WhatsApp / Call
Agent Message:
“Namaste! Aapne kal interest dikhaya tha ₹1Cr term plan mein. Kya main aaj aapko ek quick quote bhej sakta hoon?”
“Sirf age aur city share kijiye — 2 min mein option bhej dunga.”
Pro Tip: Always follow up within 24–48 hours while the interest is fresh.
6. Pro Tips for Using This Script
- Always keep your tone warm, respectful, and relatable
- Use local examples — “Jaise Sharma ji ne liya tha…”
- Avoid speaking too fast — give time for the customer to respond
- Follow up politely after 2–3 days
- Use tools like Insurance+ for ready-made festival greetings, WhatsApp templates, and objection-handling lines
Key Takeaway
A good sales script is like a map — it guides your conversation, builds trust, and helps you close deals faster. By using this Hindi term insurance sales script, handling objections smartly, and following up regularly, you can increase your sales and grow your income.
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