The telephone can be one of your best tools for sharing your life insurance sales pitch to prospects. Here’s what you need to be successful.

Life insurance is not merely a financial product. It promises security, a beacon of hope, and a critical lifeline in the face of unpredictable twists and turns. Understand this – you’re not just selling life insurance. You’re providing peace of mind. Isn’t it amazing how a phone call and your expert insurance sales pitch could change someone’s life?

But you have to prepare if you expect success. There’s more to it than just picking up the phone and dialing a number. In fact, a successful insurance sales pitch starts way before you dial the number. Preparation is key.

Who are you speaking to? What are their possible needs? Research your potential client’s background, profession, and family status. The more you know, the better you can tailor your pitch.

Similarly, you’ve got to know the ins and outs of the life insurance products you’re selling. How can you confidently sell something if you don’t fully understand it?

Insurance Sales Pitch

Walking through your insurance sales pitch, from opening to close

The Right Opening Lines

Start with a friendly greeting, introduce yourself, and state the purpose of your call. Make sure you ask if it’s a good time to talk. Respect for the client’s time can earn you brownie points.

Crafting a compelling opening line when selling life insurance over the phone can set the tone for the rest of the conversation. Here are a few examples:

  1. “Hello [Client’s Name], this is [Your Name] from [Your Company]. I hope your day is going well. I’m calling because I believe I have an opportunity that could provide substantial financial security for your future.”
  2. “Hi [Client’s Name], this is [Your Name] at [Your Company]. I’m reaching out to you because we’ve recently developed some unique life insurance strategies that could be beneficial given your [professional status/family situation]. Would this be a good time to discuss?”
  3. “Good [morning/afternoon/evening], [Client’s Name]. My name is [Your Name], and I’m a specialist in life insurance at [Your Company]. We help individuals safeguard their family’s future against life’s uncertainties. Could we spend a few minutes discussing how we might do the same for you?”
  4. “Hello [Client’s Name], this is [Your Name] from [Your Company]. I specialize in helping individuals like you secure their family’s financial future. I believe I have some information that might interest you. Is now a good time to chat?”
  5. “Hi [Client’s Name], my name is [Your Name], and I work with [Your Company], a trusted provider of life insurance solutions. We’ve helped many individuals ensure their loved ones are protected financially, even in their absence. Can we discuss how you can do the same for your family?”

Building Rapport

People buy from people they trust. Build rapport by finding common ground and showing genuine interest in their well-being. Let them know you’re there to help.

Delivering Your Pitch

This is the moment you’ve been gearing up for. Here are some tips for delivering your insurance sales pitch.

  1. Focus on the Client’s Needs: Every client has unique needs and priorities. Tailor your pitch to address their needs and how your life insurance policy can meet them. This will make your pitch feel personal and relevant.
  2. Speak with Confidence: Confidence is contagious. If you believe in the product you’re selling and its benefits, your clients are more likely to believe in it too. Use a positive, upbeat tone and clear language to convey your confidence.
  3. Highlight the Benefits, not just Features: Clients are more interested in how the policy will benefit them, not just its features. So, rather than simply explaining policy terms and conditions, highlight how these features translate into benefits for the client, such as financial security for their family.
  4. Use Stories and Scenarios: People relate to stories more than statistics. Use relatable scenarios to illustrate the benefits of your product. You can talk about how life insurance helped a client in a challenging situation without revealing personal information due to privacy policies.
  5. Be Honest and Transparent: Nothing kills a sale faster than a lack of trust. Be upfront about the policy terms, premiums, and exclusions. This will show the client you’re honest and have their best interests.
  6. Ask Open-Ended Questions: Encourage clients to discuss their needs, fears, and expectations. This gives you valuable insights and makes the conversation a two-way dialogue rather than a monologue.

Presenting the Product

Present the product and its benefits, and tailor your explanation to the potential client’s needs. It’s not just about the product but about how it can help them.

Addressing Pain Points

Discuss potential future risks and how your life insurance product can provide a safety net. Don’t scare them; help them see the bigger picture.

Storytelling and Personalizing

Everyone loves a good story. Share testimonials or use hypothetical scenarios to make your pitch more engaging and personalized.

Handling Objections

Objections are not rejections; they’re opportunities for clarification. Stay patient, empathetic, and address their concerns.

Closing the Sale

If you’ve done everything right, this is the natural next step. Summarize the benefits, ask for the sale, and guide them through the process.

Follow Up and Relationship Management

Even after the sale, maintain contact. Good relationship management can lead to referrals, and every phone call won’t feel like a cold call anymore.


Selling life insurance over the phone is more than just a sales pitch. It’s about understanding needs, building relationships, providing value, and ultimately, changing lives. Remember, every call is a chance to make a difference.

Frequently Asked Questions (FAQs)

  1. What are some tips for building rapport over the phone? Building rapport over the phone can include active listening, showing empathy, and mirroring the client’s tone and pace of speech.
  2. How can I handle objections to buying life insurance? Objections can be handled by providing clear, empathetic responses that address the client’s concerns and highlight the benefits of life insurance.
  3. What if the potential client is not interested? It’s okay. Only some calls will result in a sale. Stay positive and treat every call as a learning experience.
  4. How can I make my phone sales pitch more engaging? Using storytelling techniques, asking open-ended questions, and personalizing your approach can make your pitch more engaging.
  5. Why is follow-up necessary in sales? Follow-up is essential in sales to maintain the relationship with the client, ensure customer satisfaction, and possibly generate referrals.

At HBW Leads, specialists call on your behalf to capture ideal prospects, so you can focus on converting clients and hitting your sales targets. No other agent has access to your list. It’s the perfect solution to complement your other lead generation efforts. Request a quote today.