Convincing someone to buy life insurance is not about pushing a product — it’s about helping them understand why they need it.
In India, many people delay buying insurance until it’s too late, often due to myths, cost concerns, or simply lack of awareness.
If you’re an agent, your job is to build trust, handle objections, and guide clients toward the right decision — not pressure them.
Here’s a step-by-step approach to doing it effectively.
1. Start with a Real-Life Story
Stories build emotional connection faster than any brochure.
Begin your pitch with a true incident where life insurance protected a family financially after an unexpected event.
Example: “One of my clients, a 48-year-old father, passed away suddenly last year. His family was able to keep their home and continue the children’s education because of his term insurance policy.”
Pro Tip: Relatable local examples work best — they help clients visualise their own situation.
2. Show the Financial Risk of Not Having Insurance
Instead of only listing benefits, make the client understand the financial gap they’d face without cover.
Example: If something happens to the breadwinner, how will the family pay for loans, school fees, and daily expenses?
This approach turns insurance from a luxury expense into an essential safety net.
3. . Use Numbers, Not Just Words
Clients trust data over vague claims. Use PlanMatch to show:
- How much coverage they actually need.
- The cost of protection versus potential financial loss.
- How premiums are often less than a family dinner per month.
Example: “For ₹20/day, you can secure ₹50 lakh for your family.”
4. Address Common Objections (With Facts)
Most clients hesitate because of three common reasons:
- “It’s too expensive” → Show low-premium term plans.
- “I already have some cover” → Compare their existing cover to their actual financial need.
- “I’ll buy later” → Explain that premiums increase with age and health conditions.
By addressing objections early, you remove barriers to decision-making.
5. Leverage Visual Aids
Complicated policy terms can overwhelm clients. Use visuals to make things simple.
- Coverage charts.
- Claim settlement ratio infographics.
- Policy benefit comparison tables.
Pro Tip: Use the WhatsApp Kit to send these visuals instantly during or after meetings.
6. Create a Sense of Urgency
People delay decisions without urgency, Highlight:
- Tax-saving deadlines under Section 80C.
- Limited-period premium discounts.
- Upcoming price revisions by insurers.
Urgency motivates action
Start Using Insurance Plus Today — turn complex insurance details into simple, convincing presentations.
Quick Reference Table – Convincing Steps
| Step | Impact |
|---|---|
| Start with a real story | Creates emotional connection |
| Show financial risk | Makes the need urgent |
| Use numbers | Builds credibility |
| Handle objections | Removes barriers |
| Visual aids | Simplifies decision-making |
Learn Advanced Life Insurance Selling Skills
Join the eBharat Digital Agent Network and get:
- Free Sales Scripts to handle objections like a pro.
- WhatsApp Kit with ready-to-send visuals and messages.
- Real-life case studies to make your pitches more convincing.
Apply Now to Become a Digital Insurance Agent and start closing more life insurance sales today.
