30 Insurance Text Message Scripts Agents Can Use Today

Text messaging helps insurance agents build stronger client relationships, improve response times, and reduce communication costs.

1. Reach Clients Instantly: Texts are delivered and read quickly. This allows you to engage clients in real time.
2. Get Seen with 98% Open Rates: Text messages have near-perfect open rates. That means your message is far more likely to be seen and acted on.
3. Cut Communication Costs: Compared to traditional marketing (flyers, cold calls, mailers), SMS is a cost-effective channel that delivers better ROI with fewer resources.
4. Deliver Personalized  Experiences at Scale: SMS can be tailored with names, policy types, and key dates to create personal connections, without spending hours on one-to-one outreach.
5. Reach Clients Wherever They Are: As most clients carry their phones everywhere, texting is a highly accessible communication method.

For effective insurance text messaging, always get explicit consent from clients before sending messages and offer them an easy way to opt out. Moreover, follow all the industry-specific best practices for SMS marketing, like keeping your messages clear and concise, and not texting at an inappropriate time.

Here are more tips for effective text messaging for insurance agents in detail.

Clear opt-in and opt-out processes are essential when communicating with clients via SMS. Before sending any insurance SMS messages, make sure you obtain explicit opt-in consent from your clients. It helps you comply with TCPA and GDPR regulations. Make sure clients know they agree to receive text messages from you with a clear opt-in message. Also, offer an easy opt-out option (e.g., “Reply STOP to unsubscribe”). Respecting their preferences helps maintain trust and avoids legal issues.

Stay within the SMS character limit of 160 characters so that your message is easy for clients to read. Exceeding this limit means your message will be split into two parts, which could result in you paying for two messages. Keeping it brief helps you communicate the essentials without overwhelming the reader.

Timing is key when it comes to SMS communication. Avoid sending messages late at night or during inconvenient hours, as clients are less likely to engage. Aim for weekday business hours when clients are more likely to read and act on your message, improving the chances of a response.

While SMS is an effective communication channel, sending one too many texts can lead to message fatigue. Limit your messages to a few targeted texts per month. Bombarding clients with too many messages can cause them to ignore future communication. Or, they might even block your number.

Always include your client’s name and any relevant policy details. Personalized messages make clients feel valued and increase the likelihood of them engaging. Use information you already have, like their policy renewal dates or coverage specifics, to make the message more relevant.

Encourage clients to take immediate action from the SMS. Whether it’s scheduling an appointment, confirming details, or asking a question, clear calls-to-action (CTAs) can increase response rates. For example, "Reply 'Yes' to confirm your appointment" or "Click here to review your policy details."

Continually assess the effectiveness of your text message scripts. Regularly test different types of messages, CTAs, and sending times to determine what works best. For example, try A/B testing to compare which approach, “Reply ‘Yes’ to confirm” versus “Click here for details,” yields the best response rates.

Here are 30 insurance marketing message examples you can use for your business:

When introducing yourself as an insurance agent, start with your name to personalize the message. Mention your job position and company name to establish credibility. Briefly explain the purpose of your contact, like offering help or discussing options. Also, include a call to action to encourage a response or next step.

i. When You Schedule an Appointment

Schedule the appointment by introducing yourself and proposing a convenient time. Mention the purpose, whether it's to discuss options, review policies, or assist with claims. End with a clear call to action, encouraging the client to confirm or suggest an alternative time.

ii. When a Client Asks You To Schedule an Appointment

If a client requests to schedule an appointment, respond promptly. Propose a few available time options and make it easy for the client to confirm or suggest a different time.

Confirm the appointment by acknowledging the client's response or message. Then, express appreciation for scheduling. Reconfirm the date and time, and briefly mention the purpose of the meeting. Ensure the client knows they can reach out if they need to change anything.

i. When You Have To Reschedule

Apologize for the change when rescheduling an appointment. Propose a new time and briefly mention the reason if necessary. Make it easy for the client to confirm or suggest an alternative time.

ii. When the client reschedules

If the client requests to reschedule, acknowledge their request. Subsequently, confirm the new time and keep the tone flexible and accommodating. Offer to adjust if needed.

i. When You Have to Cancel an Appointment

If you need to cancel an appointment, first apologize for the inconvenience. Next, offer a new time and keep it polite and professional.

ii. When the Client Cancels an Appointment

If the client cancels, acknowledge their decision, offer to reschedule, and express willingness to accommodate them.

Clearly mention the renewal date when reminding a client about their policy renewal. Provide any necessary details and offer assistance if they need to make changes or review their coverage.

Send a quote or offer by providing the details clearly. Highlight the key benefits and encourage the client to reach out if they need further discussion or clarification.

Reassure the client when offering help with the claims process. Provide necessary steps, and encourage them to reach out if they need further assistance or have questions.

After a meeting or call, thank the client for their time in your text message. Offer to assist with any further questions or next steps.

When a client experiences a major life event, like a wedding or having a baby, offer your congratulations. Following that, casually mention how it might be a good time to review their insurance.

Acknowledge the client's inquiry and offer assistance at the time of offering customer support. Make it easy for them to reach out with any further questions.

Keep the message brief when informing a client about a new product or service. Highlight the key benefits and invite them to learn more or ask questions.

Make the message polite and simple. Provide a direct link to the survey or feedback form, and thank the client in advance for their time.

When checking in with a client, make the message personal by referencing their specific needs or past conversations. Keep it friendly and offer assistance if they need any updates or changes.

Be polite when asking for referrals. Express appreciation for their business and make it easy for them to refer others.

Keep your clients informed about any changes or updates to their policies. Clearly mention the adjustments, and let them know you're available to discuss further or make any necessary changes.

Share helpful insurance advice by keeping it relevant and concise. Offer valuable insights that could benefit the client, and encourage them to reach out if they have any questions or need further guidance.

Send warm wishes during holidays or festivals. Alongside that, subtly remind clients that you're available for any insurance needs. Keep the message friendly and festive.

Inform clients about special discounts or offers available during festivals. Highlight the benefit and encourage them to take advantage of the promotion.

Check in with your clients at the start of the year. Wish them well, and offer assistance with any necessary insurance updates or changes for the year ahead.

Send a polite reminder about upcoming payments, clearly stating the due date. Offer assistance if they need help with the payment process or have any questions.

Express gratitude for the client’s business and reinforce your commitment to providing excellent service. Keep it friendly and offer assistance if needed.

Invite the client to review their coverage, ensuring they’re getting the best protection for their needs. Keep it inviting and offer to schedule a time to go over the details.

Check in with the client to ensure they are satisfied with your services. Invite feedback and offer further assistance if needed.

Send warm birthday wishes and offer a special deal or review of their coverage. Make the message personal and relevant.

As the season changes, remind the client to review their coverage for any seasonal risks or adjustments.

Remind the client to update their emergency contacts and ensure their coverage is up to date.

Let the client know about any legal requirements for their insurance and offer help to ensure they are compliant.

Inform the client about exclusive discounts available during special events. Highlight the offer and encourage them to take advantage of the promotion.

Notify the client about any upgrades to their policy, highlighting the added benefits and encouraging them to review the changes.

Text messaging provides insurance agents with a powerful, direct channel to connect with clients. It provides instant communication, high engagement, and a way to build stronger relationships. However, managing personalized, compliant, and scalable communication can be challenging without the right tools. That’s where Calilio comes in.

As a reliable cloud phone system for insurance companies, Calilio helps you overcome these challenges by streamlining your texting strategy. With features like bulk SMS for sending offers to large client lists, notes and tags for organizing contacts, and text-enabled toll-free numbers to make communication easier and cost-free for clients, Calilio ensures your outreach is both efficient and effective.