Life insurance conversation starter texts: 13 gentle templates

Hello {{name}}, this is {{agent}}, your licensed agent. You asked about life cover, so I'm texting to see when a short chat suits you. Tell me if you'd rather not get texts.

When to send: After someone asks for life insurance information.

Why it works: It names you, says why and offers an exit.

Congratulations on the news, {{name}}! When things settle down, I'm happy to talk through what you'd like your cover to do. There's no rush.

When to send: When a client shares a big life event.

Why it works: The congratulations is real, the offer is quiet.

A simple question, {{name}}: do you have any life cover at the moment, through work or on your own? If so, I can help you see what it covers.

When to send: With a client you only have other policies with.

Why it works: A yes or no question that starts a talk.

Thanks for asking about life insurance, {{name}}. Would you like a short call, or should I send a plain explanation first? Whichever you prefer.

When to send: After an inbound question.

Why it works: Two choices keep it relaxed.

Here is a short guide on how term and permanent cover differ: {{link}}. Read it when you have a minute and send me any question.

When to send: When someone wants to understand the types.

Why it works: Education first builds trust.

That depends on your age, health and the amount, {{name}}, so I can't give you a fair number by text. A ten minute call lets me ask a few questions and show real options.

When to send: When they ask for a price right away.

Why it works: Honest, and it moves to a conversation.

There's no single right amount, {{name}}. We can look at what you'd like the cover to pay for, such as the mortgage or school costs, and work from there. Shall we?

When to send: When they ask how much to get.

Why it works: It frames the amount around their goals.

Many people worry about the medical part, {{name}}. I'll explain exactly what is asked and why before you decide anything. Questions are welcome.

When to send: When they hesitate about health questions.

Why it works: It calms without promising approval.

Would {{day}} at {{time}} suit you? I'll call and we'll take it slowly. If something comes up, text me and we'll move it.

When to send: After they agree to talk.

Why it works: A named day and time, with room to move.

Here is the quote we discussed: {{link}}. It shows the cost and what the policy pays, along with limits. Please read it and send me any question, there is no hurry.

When to send: After you send a written quote.

Why it works: The facts go in the document, the text stays human.

That's completely fine, {{name}}. It's a big decision and you should take your time. I'll leave you alone and I'm here whenever you'd like to talk.

When to send: When they say not now.

Why it works: Respect now makes a yes later more likely.

Good to hear you have something in place, {{name}}. If you ever want a second pair of eyes, I'll compare it with you side by side. Never switch without a full comparison.

When to send: When a client already has a policy.

Why it works: It protects them from an unfair switch.

It's been about a year, {{name}}. If anything in your life has changed, I'm happy to look at your cover with you. If not, ignore this.

When to send: One year after a first chat.

Why it works: A light touch with a clear way out.