10 Reasons Clients Don’t Buy: Master Insurance Sales Objections | Agent Saathi
- Agent Saathi
- Jun 8
- 3 min read
You didn’t lose that sale because you didn’t try. You lost it because you didn’t say the right thing at the right moment.
Objections aren’t the end of a conversation. In fact, they’re the beginning of trust—if you handle them well.
At Agent Saathi, we’ve broken down 10 of the most common reasons clients walk away…and what you can say instead to keep the sale alive.
💬 Objection 1: “I already have insurance.”
What Most Agents Say: “Oh okay sir, no problem.”
What You Should Say:
“That’s great—you’ve taken the first step. But most people don’t review their cover. Want me to check if it still fits your current life?”
✅ You show respect + curiosity = keeps the door open.
💬 Objection 2: “This is too expensive.”
What Most Agents Say:“Let me talk to the insurer for a cheaper plan.”
What You Should Say:
“Understood. But if a ₹5,000 premium saves ₹5 lakh later, would that make it worth it?”
✅ Reframe it in value, not cost.
💬 Objection 3: “Let me check and come back.”
What Most Agents Say:“Sure sir, please call me anytime.”
What You Should Say:
“Of course. Just so I don’t keep chasing—can I check back with you on Friday or Monday?”
✅ Puts a timeline. You stay in control.
💬 Objection 4: “My CA/banker/relative will advise me.”
What You Should Say:
“Perfect. Let me send you a summary note they can review. That way, they see the plan, and you save time.”
✅ Now you’re helping them validate, not pushing.
💬 Objection 5: “The claims process is always a headache.”
What You Should Say:
“You’re right. But that’s exactly why we only pitch plans with a solid claims team. Want to see the claim process screenshots?”
✅ Counter fear with proof.
💬 Objection 6: “I’ll do it next month.”
What You Should Say:
“Totally. But if something happens this month, you’ll have to wait a year again. Let me just keep this quote ready for you?”
✅ Gentle nudge. Keeps urgency alive.
💬 Objection 7: “Not interested.”
What You Should Say:
“Fair. Out of curiosity—are you already covered or just not exploring at the moment?”
✅ Give them a way to explain. Sometimes it’s a brush-off. Sometimes it’s a real reason you can solve.
💬 Objection 8: “Too many terms and conditions.”
What You Should Say:
“Let me send you a one-pager that explains this in plain English. I promise it won’t bore you.”
✅ Humor + clarity wins here.
💬 Objection 9: “Will this even get approved?”
What You Should Say:
“Depends. Want me to do a quick eligibility check for you? No paperwork needed.”
✅ Reduce friction. Offer help before the barrier.
💬 Objection 10: “Sounds good, but I need to think.”
What You Should Say:
“Makes sense. While you think, I’ll also share a client story where this policy really helped. Cool?”
✅ Keeps the emotion alive.
🧠 What This Tells Us
Most clients don’t say “No.” They say “Not sure.”Or “I don’t get it.”Or “I’m not ready.”
You don’t lose sales because you lack hustle. You lose them because you don’t always have the right words ready.
🎯 How Agent Saathi Helps You Handle All 10
Inside your Agent Saathi app:
✅ 20+ ready-to-use objection replies
✅ In English, Hindi & Gujarati
✅ Matched by product type: Health, Motor, Cyber, Term, and more
✅ Written for WhatsApp, in-person, or follow-up use
And they’re updated monthly—so you’re never stuck.
💬 Final Word
Every objection is a chance.With the right line, the right tone, and the right timing—you can turn doubt into trust, and “maybe” into “done.”
🎉 Agent Saathi Beta is now open.Try the Objection Handler. See the difference in your next sale.
👉 [Join Free Trial] → agentsaathi.com
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