The Ultimate Life Insurance Telesales Script: Close More Deals Over the Phone [2025]

📥 [Download the Life Insurance Telesales Script PDF]

Introduction

Telesales is one of the most powerful ways to sell life insurance. A great script can increase confidence, improve conversion rates, and help agents navigate objections like a pro. In this guide, we’ll walk you through a proven telesales script, covering every stage of the call, from the introduction to closing the deal.

At the end of this post, you’ll also find a downloadable PDF version of the script so you can print it out and keep it handy during calls.

Why Telesales Is Essential for Life Insurance Agents

• More clients prefer remote communication, making telesales a high-impact strategy.
• It’s scalable—agents can reach more leads daily compared to in-person meetings.
• With the right script, agents can build trust, handle objections, and close deals faster.

The Anatomy of a High-Converting Life Insurance Telesales Script

A great telesales script follows a structured process:

1. Introduction & Hook – Grabbing attention quickly.
2. Building Rapport – Making the prospect feel comfortable.
3. Identifying Needs – Uncovering pain points and goals.
4. Presenting the Solution – Positioning life insurance as the best choice.
5. Handling Objections – Addressing concerns effectively.
6. Closing the Sale – Getting the commitment.

Now, let’s dive into the ultimate telesales script you can use today.

The Ultimate Life Insurance Telesales Script

1. The Opening Hook (First 10 Seconds Matter!)

Example:

“Hi [Prospect’s Name], this is [Your Name] with [Your Agency]. How’s your day going?” (Pause and engage with their response.)

Transition 1: “The reason for my call is that we’re helping families secure financial protection, and I wanted to see if you’ve had a chance to review your life insurance options recently.”

or

Transition 2: “The reason for my call is that we received your information from a form you filled out online on [Insert Date] when you were shopping around for life insurance quotes.”

2. Establishing Trust & Building Rapport

• Keep the conversation natural and don’t jump straight into selling.
• Use small talk and active listening to make the prospect feel comfortable.
• If they sound hesitant, say:

Example:
“I completely understand—most people I talk to initially feel the same way. But once they see how simple and affordable it can be, they’re glad they took a few minutes to learn about it.”

3. The Needs Analysis (Asking the Right Questions)

Ask questions to uncover their needs:

• “Do you currently have life insurance? If so, what type and how much coverage?”
• “If something unexpected happened, how would your family handle expenses?”
• “What’s most important to you—covering funeral costs, paying off a mortgage, leaving a legacy?”

4. Presenting the Policy & Creating Urgency

Example: “Based on what you’ve told me, I’d recommend a [Policy Type] policy that provides [Coverage Amount] in protection. This will ensure that [specific benefit tied to their concern]. And the best part? It costs only about [cost] per month—less than [relatable comparison, e.g., a cup of coffee per day].”

Creating Urgency: “I can’t guarantee this rate will stay the same, as prices are based on age and health. If you qualify today, you can lock in this rate for life.”

5. Overcoming Common Objections

“I need to think about it.”

“I understand, this is an important decision. Most of my clients felt the same way at first, but once they saw how affordable and simple it was, they were glad they took action. What specifically do you need to think about?”

“I already have life insurance.”

“That’s great! Many people I speak with already have coverage but find they are underinsured or paying more than they need to. When was the last time you reviewed your policy?”

“It’s too expensive.”

“I completely understand wanting to keep costs down. That’s why we tailor policies to fit your budget. If I could find you a plan that’s affordable and still gives you the coverage you need, would that be worth considering?”

“I’m not interested.”

“I hear you. Can I ask what’s turning you off about it? Many people aren’t interested at first but realize how crucial life insurance is once they understand how it protects their family.”

“I don’t trust buying over the phone.”

“I completely understand. That’s why we work with top-rated insurance carriers and provide all the details in writing. I can also send you everything via email before you make a decision.”

“I don’t have time right now.”

“I understand you’re busy. The good news is, this only takes a few minutes, and once it’s done, you’ll have peace of mind knowing your family is protected. Let’s take care of it now while we’re on the phone.”

“I need to talk to my spouse first.”

“That makes sense. Most of my clients like to involve their spouse in the decision. Would it help if we scheduled a quick call together so I can answer any questions you both might have?”

“I’m too young and don’t need life insurance yet.”

“That’s exactly why now is the best time! Rates are based on age and health, and the younger you are, the cheaper your policy will be. Waiting could mean much higher premiums down the road.”

“I have life insurance through work.”

“That’s great! Employer coverage is a nice benefit, but it usually isn’t enough and doesn’t follow you if you leave your job. Having your own policy ensures you’re always covered.”

“I don’t want to take a medical exam.”

“No problem! We have policies that don’t require a medical exam, just a few health questions. I can check if you qualify for one of those options.”

6. Closing the Deal With Confidence

Example: “[Prospect’s Name], based on everything we’ve discussed, this plan is a great fit for you. Let’s get your application started today so you can lock in this rate and get approved while you’re in good health.”

Final Push: “I’ll just need a few details to get you set up. It only takes a few minutes—let’s take care of it now.” (Move forward confidently!)

See more life insurance sales objections here

4. Pro Tips for Crushing Life Insurance Telesales

• Master your tone: Sound confident, not pushy.
• Speak slowly and clearly: Give the prospect time to absorb information.
• Use positive reinforcement: Acknowledge their concerns and provide reassurance.
• Follow up consistently: Many sales happen on the second or third call.

5. Final Thoughts & Next Steps

A great telesales script helps you stay in control of the conversation, build trust, and close more deals. The key is practice, consistency, and follow-up.

🎯 Download the PDF Script Below! We’ve put together a printable version of this script so you can use it during calls. Click the link below to download:

📥 [Download the Life Insurance Telesales Script PDF]