Phone Script Templates

Use these phone scripts to reach out to your prospects effectively.

For Existing Clients

Hi [NAME],

Thank you again for being a valued client!

I wanted to let you know that an additional service I provide is offering Term & Final Expense life insurance to help protect your loved ones should life go unplanned. This coverage is offered by Ethos, which is a trusted online platform that makes the experience simple and straightforward.

If you’re interested in moving forward, you can apply in just a couple of minutes and you won’t have to take a medical exam — just answer a few health-related questions online. Pretty simple, right?

Do you have a life insurance policy already in place?

[IF YES]

Great, how much coverage is it for? [WAIT FOR ANSWER] OK, I will take that into consideration when helping to determine your life insurance need. I want to let you know that a general coverage recommendation is 10x your annual income for Term Life insurance protection depending on your age, lifestyle and responsibilities. Do you think your current coverage is sufficient?

[NO] OK, got it. Let’s get your family taken care of then. I’m going to ask a few more questions just so we’re on the same page here as I customize a solution for you. [GO TO CLIENT/BENEFICIARY QUESTIONS]
[YES] That’s great to hear. If you ever have any questions about your coverage in the future, or would like a second opinion, please let me know. Life has a way of changing on us — a new home or new baby can increase your coverage needs, and life insurance coverage through your workplace often ends if you switch jobs. So let’s keep in touch! Meanwhile, have a great day!

[IF NO]

Great! Who would need to be financially supported when you're gone? [WAIT FOR ANSWER]

Okay, got it. I want to let you know that a general coverage recommendation is 10x your annual income for Term Life insurance protection depending on your age, lifestyle and responsibilities. Let's get [REASON FOR COVERAGE] taken care of and [BENEFICIARY NAME] covered. I'm going to ask a few more questions just so we're on the same page here as I customize a solution for you.

[CLIENT/BENEFICIARY QUESTIONS]

[Skip any questions you know the answer to already. Also, if necessary, assure them you’re only asking questions our carriers require. All information is held in confidence and stored in a secure platform that can only be accessed by the carrier’s underwriting team.]

Are you married?
Do you have any kids? How old are they?
Any debts you’re worried about? Mortgage amount/years left? What kind of work do you do? Anything high risk?
What is your annual household income?

Let’s move on to your health and lifestyle…

[HEALTH/LIFESTYLE QUESTIONS]

What is your gender? Date of birth?
Height, and weight?
Do you have any health conditions that you take medications or prescriptions for?
What’s your citizenship status?
Any high-risk hobbies?
Anything on your driving record or criminal background record?
Would you describe your credit as Poor, Good or Great?

Thanks for answering those questions for me!

For [RECOMMENDATION OF COVERAGE], Ethos could protect your family for as little as [QUOTE PRICE]. This is a tentative rate based on everything you’ve shared with me, actual rates are determined after underwriting.

[SHARE THE APPLICATION WITH THE CLIENT]

Would you mind pulling up your email to make sure you received the quote I just sent over to you? Great, the next steps are for you to click the Apply Now button and take about 10 minutes or so to complete the online application. Feel free to reach out to me if you have any questions! Have a great day!

For Homeowners

Hi [NAME],

Thanks again for choosing to insure your new home with me! Many of my clients also look at getting a Term Life insurance policy to help with Mortgage Protection should things not go as planned.

I’m sure you want to make sure that if something unexpected happens, your mortgage will be paid off so your family has flexibility and options. [NAME], who are you concerned about protecting? [LET THEM ANSWER]

Great! I’d like to introduce you to Ethos. They offer Term Life Insurance that lets you protect your dependents for the life of your policy and choose everything from the amount of coverage to the length of your term. Term Life Insurance may even cover other debts and expenses over and above your Mortgage.

I’d like to email you a link and a quote for a coverage amount that aligns with your remaining mortgage term and balance amount. This application will only take a few minutes of your time to complete, you won’t have to complete a medical exam - just answer a few health-related questions online! Sound good?

That’s great! I’m sure [THE PERSON THEY WANT TO PROTECT] will appreciate this, too! What’s the best e-mail address for me to send you a personalized quote and a link to the online application?

Excellent! When the online application is complete, you’ll be able to see what you qualify for, the coverage amount, and your monthly payment.

Feel free to reach out to me if you have any questions! Have a great day!