Selling insurance isn’t just about numbers—it’s about clear communication and trust. Many new agents struggle because they explain policies with jargon that confuses customers.
The secret of top-performing HDFC Life agents is using tested scripts that make insurance simple, relatable, and convincing. In this guide, we’ll share 7 proven agent scripts you can use in real conversations to win clients faster.
Why Scripts Work
- Clarity: Breaks down complex terms into simple words.
- Consistency: Ensures you don’t forget key points.
- Trust-Building: Shows customers you are confident and knowledgeable.
- Conversion: Increases chances of closing the deal.
7 Proven Agent Scripts for Selling Insurance
1. When a Customer Asks: “Why Should I Buy Life Insurance?”
Script:
“Life insurance is like a safety net. If something happens to you, your family’s income doesn’t stop. Instead of being forced to borrow or compromise, they will have financial security. Think of it as protecting their dreams even if you’re not around.”
2. Explaining a Term Insurance Plan
Script:
“A term plan is the simplest and most affordable form of life insurance. You pay a small premium every year, and if something happens to you, your family gets a large sum assured. It’s like paying a little to safeguard a lot.”
3. Handling the Objection: “Insurance is Too Expensive”
Script:
“Actually, the cost of insurance is much lower than most people think. For the price of one cup of tea per day, you can cover your entire family’s financial future. The question is not whether you can afford insurance—the real question is, can you afford not to have it?”
4. Explaining a ULIP (Unit-Linked Insurance Plan)
Script:
“A ULIP is like two-in-one: it gives you life cover plus investment. Part of your premium goes for protection, and part is invested in funds of your choice. Over time, your money grows, and you still have insurance security.”
5. When Customers Say: “I Already Have Savings”
Script:
“Great! But savings alone might not be enough in case of emergencies. Insurance multiplies your savings with protection. For example, if you’ve saved ₹5 lakh, but your policy has ₹50 lakh cover, your family gets the larger benefit when they need it most.”
6. Explaining Child Education Plans
Script:
“A child plan is like a commitment to your child’s future. Even if something happens to you, the plan ensures funds are available for their higher education. It’s not just an investment—it’s a promise to your child.”
7. Closing Script for Hesitant Customers
Script:
“Insurance is about peace of mind. Imagine how relieved you’ll feel knowing that your family will never face financial struggle, no matter what happens. Let’s start small today—you can always upgrade later as your income grows.”
Pro Tips for Using Scripts
- Speak naturally—don’t sound like you’re reading.
- Listen before answering—adapt scripts to customer’s situation.
- Use visuals—carry charts, calculators, or digital apps.
- Practice daily—familiarity makes delivery smoother.
Why This Matters
Customers don’t buy policies—they buy confidence in you. Scripts ensure you can explain complex products in simple, emotional terms that connect with families. Mastering these 7 scripts will put you far ahead of average agents.
Quick Infobox: Example Comparisons You Can Use
| Insurance Type | Simple Script |
|---|---|
| Term Plan | “A small payment today, a big protection tomorrow.” |
| ULIP | “Two-in-one: investment + insurance.” |
| Child Plan | “Your promise to your child’s future.” |
| Savings Plan | “Guaranteed returns + life cover together.” |
Interlinking Suggestion
Read next: How to Build Trust and Get Your First 10 Insurance Clients
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