health insurance cold calling agents

Whether you sell insurance from home or you head into a local insurance agency every day, you know selling health insurance is a competitive business. While you may offer the most comprehensive policies at affordable prices, it won’t matter if you don’t have the chance to talk to interested prospects about the coverage you sell.

To find health insurance sales leads, you just have to contact TelephoneLists.Biz. We sell leads lists that are high-quality. You can customize the affordable bulk leads lists you purchase from us based on a wide variety of factors, such as location, marital status and age. To learn more about the health insurance sales leads we sell, contact us today.

Health Insurance Cold Calling Tips

Once you have your targeted leads lists at your disposal, you’ll need to learn how to sell health insurance over the phone. Knowing some tips can help you succeed at cold calling and increase the likelihood that you’ll close more sales.

Here are some tips that can help you improve your cold calling results:

  • Set the Tone With a Smile: Believe it or not, your prospects can pick up on your mood even though they’re not in the room with you. Set a pleasant tone for the conversation you’ll have with a prospect who takes your call by smiling right from the start of the exchange. Even if the person doesn’t seem interested in the coverage you sell, keep smiling.
  • Call at the Right Times: The time of day you contact your prospects will have a big influence on your results. Millennials may be more likely to answer the phone at different times of the day compared to senior citizens, for instance. Study your target market, identify when your prospects will most likely be able to take a call and contact them during those times.
  • Know How to Respond to Objections: To have success with cold calling, it’s essential that you know how to respond to objections. An objection can derail even the most effective sales pitch for insurance very quickly. When you know how to handle objections, you can keep your pitch on track.

Cold Calling Best Practices for Health Insurance

When it comes to selling health insurance over the phone, it’s helpful to follow some best practices. One best practice that can help you succeed is to make an offer instead of an ask when someone answers your call. Instead of asking if your prospect is interested in health insurance, offer the person a free quote on affordable coverage, for example.

Learning from others is another best practice that can improve your cold calling results. Reach out to other insurance agents who experience greater success with cold calling than you. Ask them for permission to sit in on a call session and make notes about how they conduct themselves when they’re interacting with a person so you can do the same things when you’re on the line with a prospect.

Health Insurance Cold Calling Scripts

Using health insurance cold calling scripts is another best practice that can bolster you to the next level of success. Because the market for health insurance includes people of many different ages in a lot of different demographic groups, it’s important for you to stage your calls so that you can gather some information from your prospects and present the most appropriate insurance options.

With this in mind, we’ve created two brief sample cold calling scripts designed for two different age groups.

Scripts for Younger Prospects

If you’re calling younger prospects, here is a script you may want to use:

Hello, [Prospect Name]. My name is [Your Name] and I’m calling from [Agency Name]. As a millennial, I know having the right health insurance coverage is probably a top priority for you. Am I right? [Pause] I thought so. I would like to meet with you to review your current health coverage and present some affordable options that may provide even better benefits. Are you available to meet at your home at 6:30 p.m. this Thursday?


Great. I’ll see you at 6:30 p.m. at your home on Thursday. Thank you for your time.

Scripts for Senior Citizens

If your target market consists mostly of senior citizens, you may want to use the following script instead:

Hello, [Prospect Name]. I’m [Your Name]. I work for [Agency Name] and I specialize in helping people over 55 years-old find health insurance at affordable prices. Does that sound like something you might be interested in?


Wonderful. I’d like to set up a time to visit you at your home to discuss your health insurance options. Is Wednesday at 4:30 p.m. okay for you?


Okay, great. I’ll look forward to meeting with you at 4:30 p.m. on Wednesday. Thank you for speaking with me today.

Get Started Cold Calling for Health Insurance with Lists from Telephone Lists

We encourage you to share the health insurance cold calling scripts you use most often in the comments section below. We also invite you to tell us about your most amusing cold calls. We look forward to reading your comments in the days ahead.