How to approach a stranger for insurance?

Asked by: Aric Schaefer  |  Last update: October 18, 2025
Score: 4.8/5 (59 votes)

Hook your prospect with a strong opening sentence: It should address the needs of customers and why do they need insurance. Address their pain points: Most insurance customers tend to have common questions, and these are usually their concerns. It may include the premium amount, coverage, and even claims.

Can I get insurance without talking to an agent?

You'll be better off speaking with an insurance agent who may be able to explain coverage in more detail. Not all insurers allow online sales: Although most insurers allow you to do most of the steps online, some require you to talk to an agent before finalizing your policy.

How do I approach strangers to sell insurance?

Building trust with strangers isn't easy, but there are a few things you can do that will help.
  1. Position yourself as someone who knows the local area.
  2. Try to break the ice and don't go straight into a pitch.
  3. Use yours and their first name.
  4. Always be honest.

Does it cost money to talk to an insurance agent?

Insurance agents are paid by insurance companies. You only pay for the insurance policy, or policies, you want. There are typically no agent or agency fees.

How do you introduce yourself in insurance?

As a great insurance agent, it's essential to introduce yourself in a way that sets you apart from other agents. You can start with your name, job title, and the insurance services you provide. Keep it concise and straightforward. You can also share a little about your background and how you got into the industry.

How To Sell Insurance To Stranger? | Insurance Concept Presentation | Dr. Sanjay Tolani

25 related questions found

What should you say first when introducing yourself?

Greet your conversation partner or audience, state your name, and mention why you're there, if relevant. Example: "Hi, my name is Sarah Johnson. I'm here today to talk about my experience in digital marketing and how I can help your company improve its online presence."

How do you start a conversation selling insurance?

Make your intro to-the-point. Briefly introduce yourself, your company, and the reason for your call. Tell the benefits of your insurance policy to the customer and their peers who have bought your insurance policy.

Is it cheaper to get insurance through an agent or online?

Buying insurance online can often result in lower customer costs due to the elimination of commission fees for the insurance agent. However, buying insurance through an agent can offer a more personalized experience and in-depth policy analysis, leading to finding the most cost-effective coverage options.

How do I talk to an insurance agent?

Tips for Talking With the Other Side's Insurance Company
  1. Remain Calm and Polite. ...
  2. Identify the Person You Speak With. ...
  3. Give Only Limited Personal Information. ...
  4. Give No Details of the Accident. ...
  5. Give No Details of Your Injuries. ...
  6. Take Notes. ...
  7. Resist the Push to Settle Immediately. ...
  8. Set Limits on Conversations.

How to choose an insurance agent?

In this article, we share 9 tips to help you choose the best insurance agent for you.
  1. #1: Are They Independent Insurance Agents OR Captive Agents? ...
  2. #2: What Are Their Credentials/Licenses? ...
  3. #3: Can You Get a Referral? ...
  4. #4: What Type of Insurance Coverages Do They Offer?

Do insurance agents get a base salary?

Insurance agents usually make money through commissions, with the commission amount often depending on the type and number of insurance policies they have sold and whether these policies are new or renewals.

How to door knock as an insurance agent?

Door-Knocking Tips for Insurance Sales
  1. Do not sit in the car. Sitting in the car, rummaging through your bag or thinking what you're going to say, gives the prospect an opportunity to run and hide.
  2. Smile. Smile at all times! ...
  3. Wave at the window. ...
  4. Knock. ...
  5. Knock loudly. ...
  6. Knock six or seven times. ...
  7. Step back. ...
  8. Say their name.

Can you put a stranger on your insurance?

Dependents for health insurance plans typically include spouses, children, stepchildren, adopted children, and foster children. In some situations, you can add non-family members to a health insurance plan if they're a domestic partner, in a civil union, or financially dependent on the policyholder.

Does State Farm do same day insurance?

What companies sell same-day car insurance? Most car insurance companies offer same-day car insurance, including major insurers like State Farm and Geico. USAA and State Farm offer cheap full-coverage policies at average annual rates of $1,207 and $1,505 a year respectively.

Is it better to deal directly with an insurance company?

Some companies that don't offer direct buying options may be cheaper for some individuals, while buying direct insurance providers is more affordable for others. The only way to know which option is right is for a customer to compare both options for themselves.

Is it safe to give Progressive my social security number?

Sharing Your Social Security Number When Shopping for Auto Insurance. Is it risky to provide your Social Security number to an auto insurance company? Not really. Laws and industry standards exist to protect your privacy from cybercrime.

What not to say when talking to an insurance adjuster?

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

How do I hire a new insurance agent?

Make Recruiting Insurance Agents Easier With These 15 Tips
  1. Find candidates on social media. ...
  2. Reach out to local universities. ...
  3. Ask current agents for referrals. ...
  4. Provide incentives. ...
  5. Consider hiring freelance agents. ...
  6. Look for candidates with a sales background. ...
  7. Pay attention to their attitude.

What do insurance agents call their customers?

I refer to the ones who “get it” as clients and the others as customers. After looking for definitions for these names, I'm thoroughly convinced, clients are the people who appreciate, and actually deserve a true insurance professional.

What is the disadvantage of an insurance agent?

Unpredictable Income

While the insurance industry is stable and the income is lucrative, it can sometimes be hard to plan ahead and know where your next paycheck will come from, since your income may be solely based on sales made. To succeed in this field, you must be a go-getter.

Can you get car insurance online without talking to someone?

Most notable auto insurers offer the option to buy online without talking to someone. If you have questions during your online quote with Progressive or simply prefer to finish the quote over the phone, you can call 1-800-776-4737 to speak to a licensed representative for your state.

Is it better to go with a local insurance company?

Tailored Coverage Options

They have the flexibility to offer customized plans that ensure you're neither over-insured nor under-insured. Whether you need additional coverage for a high-value home, a vintage car, or special riders for unique circumstances, a local agent is more likely to offer personalized advice.

How to approach people for insurance?

The foundation of persuasion in insurance sales lies in understanding the client's needs. A deep understanding of what motivates your clients, their concerns, and their aspirations is crucial. Start by asking open-ended questions to get them talking about their expectations and fears regarding insurance.

What is cold calling in insurance?

Cold calling in the insurance industry is a sales technique that involves calling a potential customer with the intent of gauging their interest in insurance plans. These callers are not expecting a call and have not shown previous interest in what you offer.

What is the best time of day to sell insurance?

According to a study by CallHippo, the best time to cold call is between 4:00-5:00 pm, followed by the second best time to cold call between 11:00 am – 12:00 pm. Wednesday tends to be the best day to cold call your prospects.