Insurance policy review texts: 13 templates for annual check ups

Hello {{name}}, it's time for your yearly cover check up. It takes about fifteen minutes and often turns up small things worth fixing. Does {{day}} work for a call?

When to send: Once a year, a month or two after their last review.

Why it works: It frames the review as a short habit with a specific day.

Has anything changed this year, {{name}}? A move, a new job, a new car, someone joining the household. Any of these can change what your policy should do.

When to send: Before a review or any time in the year.

Why it works: The list jogs memory without sounding like a form.

No pressure, {{name}}, just a thought: when did we last look at your policy together? If it's been a while, I can take a quick look this week.

When to send: For clients not reviewed in over a year.

Why it works: The honest question does the work.

I can do {{time}} or later in the afternoon, {{name}}. Whichever suits you for the review. If texting is easier, we can do it here.

When to send: After they say yes in principle.

Why it works: Two choices and a text option.

For our review, {{name}}, it helps to have your current policy papers nearby. If you can't find them, no problem. I'll pull up what I have.

When to send: The day before the call.

Why it works: It removes the excuse of not being prepared.

Congratulations on the new car, {{name}}! Please send me the details so I can make sure it's covered the right way from day one.

When to send: When a client mentions a vehicle change.

Why it works: Congratulations first, business second.

If you've renovated or added anything to your home, {{name}}, let me know. The value of the home may have changed, and your cover should follow it.

When to send: When a client mentions building work.

Why it works: It ties cover to something they care about.

Sorry I missed you, {{name}}. I'll try again on {{day}}, or text me a time that works and I'll call then.

When to send: After a call goes unanswered.

Why it works: It saves the client the effort of guessing.

Thanks for your time today, {{name}}. Here is what we agreed: nothing to change for now, and I'll check again in a year. Text me if your situation changes before then.

When to send: Straight after a review with no changes.

Why it works: A written summary builds trust.

After our call, {{name}}, I think one change is worth a look: increasing one limit. I'll send the details and the cost so you can decide at your own pace.

When to send: When your review found a gap.

Why it works: It suggests rather than sells.

I noticed that one item on your policy no longer matches your situation, {{name}}. It might be worth updating, or it might be fine. Shall we talk it through?

When to send: When you spot a mismatch on file.

Why it works: It raises the question without alarm.

You decided to keep your policy as it is, {{name}}, and that's your call. I've noted it on your file. If you change your mind, just text me.

When to send: When a client declines a suggestion.

Why it works: Respect for the decision keeps the relationship.

Thanks for making time, {{name}}. A policy that matches your life is one less thing to worry about. Reach out whenever something changes.

When to send: A few days after the review.

Why it works: It leaves a good last impression.