Selling insurance in India isn’t just about premiums and policies—it’s about clear communication and trust. Many new agents fail because they explain plans with jargon that confuses customers.
Top-performing HDFC Life agents use tested sales scripts that make insurance simple, relatable, and convincing. In this guide, we share 7 proven scripts you can use in real conversations to connect with customers and close sales faster.
👉 Related: How to Build Trust and Get Your First 10 Insurance Clients
Why Scripts Work
- Clarity: Breaks down complex financial jargon into easy language.
- Consistency: Ensures you don’t miss key points.
- Trust-Building: Shows confidence and professionalism.
- Conversion: Increases your 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 won’t stop. Instead of borrowing or compromising, they’ll have financial security. Think of it as protecting their dreams even if you’re not there.”
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, and if something happens to you, your family receives a large sum assured. It’s like paying a little to safeguard a lot.”
3. Handling the Objection: “Insurance is Too Expensive”
👉 Script:
“Actually, insurance costs less than most people think. For the price of a cup of tea per day, you can secure your family’s future. The real question is—not whether you can afford insurance, but whether you can afford not to have it.”
4. Explaining a ULIP (Unit-Linked Insurance Plan)
👉 Script:
“A ULIP is like two-in-one: life protection + investment. Part of your premium goes for insurance cover, and part is invested in funds of your choice. Over time, your money grows while your family stays protected.”
5. When Customers Say: “I Already Have Savings”
👉 Script:
“Great! But savings alone may not be enough in emergencies. Insurance multiplies your savings with protection. For example, ₹5 lakh savings vs a ₹50 lakh policy cover—your family gets the larger benefit when it matters most.”
6. Explaining Child Education Plans
👉 Script:
“A child plan is your commitment to their future. Even if something happens to you, the plan ensures funds for their higher education. It’s not just an investment—it’s a promise to your child’s dreams.”
7. Closing Script for Hesitant Customers
👉 Script:
“Insurance is about peace of mind. Imagine knowing your family will never face financial struggle, no matter what happens. Let’s start small today—you can always increase cover as your income grows.”
Pro Tips for Agents
- Speak naturally—don’t sound like you’re reading.
- Listen carefully before answering—adapt scripts to the client’s situation.
- Use visuals—HDFC Life apps, calculators, or charts build trust.
- Practice daily—the more natural your delivery, the better the results.
Why This Matters
Customers don’t just buy policies—they buy confidence in you. By using these 7 scripts, you can simplify complex concepts, connect emotionally, and close deals faster. Mastering scripts is the secret weapon of top HDFC Life agents in 2025.
👉 Related: HDFC Life Agent Training: What to Expect and How to Prepare
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.” |
🔍 Make Plan Explanations Easy
Use Insurance+ to show side-by-side comparisons of HDFC Life, LIC, and other plans. Build instant trust with customers.
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