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10 High-Converting Health Insurance Sales Script Samples
55% of high-growing companies utilize cold calling as one of their main strategies. In fact, organizations that didn’t use cold calling experienced 42% less growth than those who used it.
If you want your health insurance business to grow, here are 10 health insurance sales script samples that will help you close deals. Plus, discover common mistakes to avoid and best practices to be successful.
Key takeaways:
- Well-crafted cold-calling scripts in the health insurance industry help agents establish personal connections, communicate effectively, and close more deals. They guide conversations, making addressing client needs and objections easier, ultimately leading to higher conversion rates.
- Cold calling still works—82% of buyers say yes to meetings. It can skyrocket your sales and keep high client satisfaction when done right. But get it wrong, and you might miss out.
- Avoid mistakes like unpreparedness or weak introductions to make the most of your scripts. Focus on understanding your audience, crafting engaging openings, and refining your scripts for better results.
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Why Does Cold Calling Matter in the Health Insurance Industry?
Despite the rise of digital marketing, cold calling remains effective. In fact, 82% of buyers have accepted meetings after being contacted through this method, and 49% prefer the initial contact via cold calls.
Why is cold calling effective in the health insurance industry? Here are three reasons:
- Build more personal relationships: Cold calls allow for one-on-one conversations, allowing a personalized approach that helps agents build deeper connections—something crucial in the highly personal realm of health insurance.
- Expand your customer base: Cold calling helps you reach people who are not actively searching for insurance, expanding your list of potential customers.
- Get a high Return on Investment (ROI): When done right, cold calling can give you a high ROI. It provides quick feedback from prospects, helping you quickly see who’s interested and who isn’t.
10 Must-Have Health Insurance Sales Scripts to Close More Deals
Here are 10 top health insurance sales script samples, customized for different use cases:
#1 Individual Losing Employer Coverage
This script helps connect with prospects who have just lost their employer-provided health insurance. It shows empathy and support, making them feel understood and more likely to convert.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many people are concerned about their health insurance options after losing employer coverage. I wondered if you might be in a similar situation and if I could help you explore some options?”
[Pause for response]
Qualifying Questions:
“Did you recently lose your health coverage through an employer?” “Are there specific treatments or medications you need to ensure are covered?”
[Pause for details and further discussion]
Objection:“I’m worried I won’t find a plan that matches my old benefits.”
Response:
“I understand. Our plans can be customized to closely match the benefits you had, while also fitting your budget.” [Pause for acknowledgment]
[Pause for acknowledgment]
Call-to-Action:“I can send over a quote tailored to your needs. No commitment required. How does that sound?”
#2 Family Coverage
This script addresses families’ needs, like pediatric care and specialist visits, and identifies gaps in current plans to offer better solutions.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many families find their current health insurance doesn’t fully cover their needs, especially in areas like pediatric care and specialist visits. Have you experienced any issues with your family’s coverage?”
[Pause for response]
Qualifying Questions:
“Are you satisfied with your family’s current health insurance?” “Is there anything you’d like to improve in your plan?”
[Pause for details and further discussion]
Objection: “I’m worried about the cost and hassle of switching plans.”
Response:
“I understand. We handle the entire process for you, ensuring a smooth transition, and our plans are competitively priced to offer better value.”
[Pause for acknowledgment]
Call-to-Action: “We can review some family plan options together, no commitment required. Does that work for you?”
#3 Self-Employed
This script targets self-employed individuals, focusing on affordability and flexibility, key concerns for freelancers, positioning your offer as ideal for their needs.
Script
“Hi [Prospect’s Name], this is [Your Name] with [Your Company]. I work with self-employed professionals like you to find health insurance that’s both affordable and flexible. Do you have a minute to discuss how we can improve your current coverage?”
[Pause for response]
Qualifying Questions:
“What kind of health coverage do you have right now, if any?” “How important is flexibility in your health insurance as a business owner?”
[Pause for details and further discussion]
Objection: “I’m concerned I won’t find an affordable and comprehensive plan.”
Response:
“I understand. Our plans are specifically designed for freelancers, offering both affordability and comprehensive coverage.”
[Pause for acknowledgment]
Call-to-Action:“We can schedule a time to review a plan that fits your needs; no commitment is required. How about that?”
#4 Seniors Approaching Medicare Eligibility
This script guides seniors through Medicare and additional coverage options, providing a comprehensive plan that covers concerns like prescriptions and dental, boosting trust and conversions.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m reaching out because many seniors approaching Medicare eligibility are concerned about whether it will cover all their health needs, like prescriptions and dental care. I wondered if you’ve thought about your options?”
[Pause for response]
Qualifying Questions:
“Are you currently on a health plan or waiting for Medicare?” “Do you have specific needs, like prescription drug coverage or dental care?”
[Pause for details and further discussion]
Objection:“I’m worried Medicare won’t cover all my health needs.”
Response:
“I know it can be confusing. Our plans combine Medicare with extra benefits like prescription drugs and dental care, giving you more comprehensive coverage.”
[Pause for acknowledgment]
Call-to-Action:“We can review a personalized Medicare comparison based on your needs. No commitment is required. Would that be okay?”
#5 Young Adults
This script targets young adults who might not prioritize health insurance, emphasizing affordability and long-term benefits to address their main objections and encourage coverage.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many young adults, like yourself, aren’t sure if they need health insurance. I’d love to discuss why it’s important and how affordable it can be. Do you have a moment?”
[Pause for response]
Qualifying Questions:
“Are you currently covered under your health plan?” “Are you seeking coverage that fits a young adult’s budget?”
[Pause for details and further discussion]
Objection:“I’m healthy and rarely see a doctor, so I’m not sure I need insurance.”
Response:
“I understand. Health insurance protects you from unexpected medical costs, and our plans offer preventive care to keep you healthy.”
[Pause for acknowledgment]
Call-to-Action:“I can send you a quote for one of our affordable plans. No commitment required. Does that sound good?”
#6 Pre-Existing Conditions
This script is designed for individuals with pre-existing conditions, guaranteeing coverage from day one and addressing concerns about affordability and comprehensive care, making it a strong choice for those with specific health needs.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many people with pre-existing conditions are concerned about finding affordable health coverage that doesn’t exclude the care they need. Have you faced similar issues?”
[Pause for response]
Qualifying Questions:
“Do you currently have coverage for your pre-existing condition?” “What’s the most important coverage aspect for you: medications, specialist visits, or something else?”
[Pause for details and further discussion]
Objection:“I’m worried I won’t find a plan that covers my pre-existing condition at a good price.”
Response:
“I understand. Our plans guarantee coverage for pre-existing conditions from day one. e can work within your budget to find something affordable.”
[Pause for acknowledgment]
Call-to-Action: “I can send you a tailored quote for a plan that covers your condition. No commitment is required. How does that sound?”
#7 Small Business Group Insurance
This script appeals to small business owners by highlighting the financial benefits of group insurance, focusing on cost-effectiveness and employee retention, positioning your plan as a smart investment in their business’s success.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m reaching out because many small business owners are concerned about the cost of offering health insurance to their employees. I focus on finding affordable group health insurance that covers your employees and helps you keep them happy. Could we discuss this further?”
[Pause for response]
Qualifying Questions:
“Do you currently provide health insurance to your employees?” “How important is offering competitive benefits to attract and keep your staff?”
[Pause for details and further discussion]
Objection: “I’m worried health insurance benefits might be too expensive for my small business.”
Response:
“I understand. Our group plans are more affordable than individual ones and can save you money by reducing turnover and attracting top talent.”
[Pause for acknowledgment]
Call-to-Action:“I can send you a breakdown of group plan options tailored to your company size. No commitment required. How does that sound?”
#8 Child-Only Coverage
This script targets parents by emphasizing affordable, comprehensive coverage for children, addressing cost concerns while assuring them their child’s health needs are fully covered.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] with [Your Company]. I’m calling because many parents struggle to find affordable health insurance that covers all their children’s needs, like vaccinations and pediatric care. Are you facing similar challenges?”
[Pause for response]
Qualifying Questions:
“Does your child currently have health coverage?” “Are there specific services you need, like vaccinations or specialist visits?”
[Pause for details and further discussion]
Objection:“I’m worried that a child-only health insurance plan will be too expensive.”
Response:
“I understand. Our plans are both affordable and comprehensive, designed specifically for children’s needs, so you can find something within your budget.”
[Pause for acknowledgment]
Call-to-Action:“I can send you a personalized quote for your child’s coverage. No commitment required. Would that work for you?”
#9 Short-Term Health Insurance
This script is ideal for individuals in transition, like between jobs, reassuring them about the adequacy of short-term coverage by highlighting emergency services and essential benefits.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many people need short-term health insurance during transitions, like between jobs. I wondered if that’s something you might need and if I can help?”
[Pause for response]
Qualifying Questions:
“Are you looking for coverage between jobs or another short-term need?” “What level of coverage do you need during this transition?”
[Pause for details and further discussion]
Objection:“I’m concerned that a short-term plan won’t cover everything I need, especially in emergencies.”
Response:
“I understand. Our short-term plans cover essentials like emergencies, so you’re protected during any transition.”
[Pause for acknowledgment]
Call-to-Action:“I can send you a quote for a short-term plan that fits your needs. No commitment required. How does that sound?”
#10 International Health Coverage
This script targets individuals living or moving abroad, emphasizing reliable and comprehensive international coverage, reassuring them about seamless healthcare access across countries and addressing concerns about complexity and coverage gaps.
Script
“Hello, is this [Prospect’s Name]? I’m [Your Name] from [Your Company]. I’m calling because many people moving or living abroad worry about finding reliable health coverage that works in multiple countries. I specialize in international health insurance, and I wondered if that’s something you’ve been thinking about?”
[Pause for response]
Qualifying Questions:
“Are you currently living abroad or planning a move?” “Do you need coverage in specific countries or regions?”
[Pause for details and further discussion]
Objection:“I’m worried that international health coverage will be complicated and won’t cover me everywhere I need.”
Response:
“I understand. Our plans offer seamless coverage across multiple countries, including emergency services and hospital stays, so you’re protected wherever you go.”
[Pause for acknowledgment]
Call-to-Action: “I can send you a quote for an international plan that fits your situation. No commitment required. Does that sound good?”
Discover How AI Transforms Cold Calling
5 Cold Calling Mistakes in Health Insurance to Avoid
When preparing your scripts and calls in the health insurance sector, avoid these 5 common mistakes that can prevent you from closing sales:
- Skip preparation: If a prospect asks a question or raises a concern that you’re not prepared for, you may stumble or provide inaccurate information, leading to a loss of trust and potentially losing the sale.
- Deliver a weak introduction: A weak or unclear introduction can confuse the prospect about who you are and why you’re calling, reducing their interest. Consequently, it will be hard to move the conversation forward.
- Ignore active listening: By not actively listening, you might miss key information about the prospect’s specific concerns or priorities. Plus, your pitch may seem generic, and the prospect may lose interest.
- Use complex jargon: Prospects might get lost in the jargon and fail to see how your product meets their needs. This can lead to confusion or disinterest, resulting in a missed opportunity to close the sale.
- Skip building rapport: Don’t jump straight into a sales pitch. Without rapport, the prospect may feel like just another number in your sales pipeline. This lack of connection often leads to a quick rejection.
5 Cold Calling Mistakes in Health Insurance to Avoid
When preparing your scripts and calls in the health insurance sector, avoid these 5 common mistakes that can prevent you from closing sales:
- Skip preparation: If a prospect asks a question or raises a concern that you’re not prepared for, you may stumble or provide inaccurate information, leading to a loss of trust and potentially losing the sale.
- Deliver a weak introduction: A weak or unclear introduction can confuse the prospect about who you are and why you’re calling, reducing their interest. Consequently, it will be hard to move the conversation forward.
- Ignore active listening: By not actively listening, you might miss key information about the prospect’s specific concerns or priorities. Plus, your pitch may seem generic, and the prospect may lose interest.
- Use complex jargon: Prospects might get lost in the jargon and fail to see how your product meets their needs. This can lead to confusion or disinterest, resulting in a missed opportunity to close the sale.
- Skip building rapport: Don’t jump straight into a sales pitch. Without rapport, the prospect may feel like just another number in your sales pipeline. This lack of connection often leads to a quick rejection.
Take cold calls to the next level
Maximize Your Cold Calling Success
Cold calling is a powerful tool in digital marketing when executed effectively, and it’s definitely worth the effort. In fact, according to Cognism’s 2024 State of Cold Calling Report, there’s a 75% chance of a prospect answering on the first attempt.
Take advantage of this opportunity by using the provided scripts and always incorporating the 5 key elements. And remember, tailoring your approach to each prospect is crucial, as early engagement can make all the difference in closing a deal.
FAQs
How to write a script for health insurance?
Firstly, understand your audience’s needs, clearly explain coverage options, and use simple language. Additionally, address common concerns and highlight the policy’s value.
How do you start a conversation when selling insurance?
Open the conversation with a friendly introduction and ask about the client’s current insurance coverage or concerns.Use their responses to show how your services can improve their current situation.
How do you introduce yourself when selling insurance?
Introduce yourself with your name, role, and the company you represent. Briefly mention your expertise and how you can help them find the right coverage.
How do you write a good sales script?
Focus on customers needs, addresspain points, and use clear language. End with a strong call to action that encourages the client to take the next step.
