Top 5 Pitching Techniques for Insurance Agents to Boost Sales
- Agent Saathi
- May 26
- 4 min read
Updated: 7 days ago
Talking to prospects or clients about insurance is part skill, part mindset. It's not about using big words or long brochures — it's about helping your client understand why they need protection, and how it helps them in real life.
Today’s clients are sharp, busy, and often unsure. They hear from banks, brokers, and apps — but very few people help them understand their risks clearly.
That’s where you come in.
Whether you’re an LIC advisor, Broker, NBFC seller, CSC operator, or a general insurance agent — these five Insurance sales techniques will help you explain better, earn trust, and close more business.
1. Start with the Risk, Not the Policy
Don’t begin with:
“This is a ₹5 lakh plan with OPD and critical illness.”
Instead, ask:
“If something unexpected happens — an illness or accident — how will you manage expenses or keep your business running?”
This opens a real conversation. It makes your client think about their life, not your product.
✅ Real Talk:
When you start with risk, clients see you as someone who understands their situation, not just someone trying to sell.
2. Make Every Client Feel Understood
Every client is different — and so should your approach be. A college student doesn’t need the same cover as a shop owner. A salaried IT professional has different worries than a kirana store owner.
🎯 Example Approaches:
Young salaried client: “If a medical issue forces you to take time off work, how will you manage expenses?”
Shopkeeper: “Fire, theft, even customer slips — small issues can cause big losses. Want to see how to protect your shop?”
Freelancer or digital seller: “If your laptop crashes or a client sues for a data mistake — who pays for it?”
💡 Agent Saathi Tip:
Use our pre-written explanations in Hindi, Gujarati, and English — so you don’t have to translate everything on your own.
3. Talk About What the Client Gets – Not Just the Features
Clients are not interested in “benefits.” They’re interested in what they will receive, how fast, and in what situation.
❌ Don’t say:
“This plan has ₹5 lakh sum insured and ₹2 lakh personal accident rider.”
✅ Say this:
“If you’re hospitalised, the plan pays your bills — even for an ICU. If you meet with an accident and can’t work, you get ₹2 lakh cash support.”
It’s not about what the plan offers — it’s about what the client receives when life goes wrong.
4. Handle Objections Before They Come
If you’ve ever heard “It’s too expensive” or “I’ll think about it,” you’re not alone.
Instead of waiting for objections, talk about them before the client brings them up.
💬 Try This:
“Most of my clients feel this is expensive at first — but then they think about how a ₹500/month plan can save ₹5 lakh during an emergency.”
“You might already have a policy — let’s quickly check if it covers everything that matters today.”
⚒️ Common Objections & Smart Responses:
Client Says | You Can Say |
“Too costly” | “Let’s find a version that fits your monthly budget. Even ₹8/day makes a difference.” |
“I already have insurance” | “Great! Let’s compare it with this one — there might be gaps we can fill.” |
“Not urgent” | “Totally fine. Just so you know — this pricing might change next month.” |
5. Create Urgency, Without Pressure
Clients want time to think — but they also need a reason to act now. Don’t push. Instead, share what’s time-sensitive.
🔁 Say this:
“Let’s lock this plan today. That way, the rate and coverage stay valid — even if you take a day or two to decide.”
Or
“This plan is getting updated by next month. I’d suggest we book it now, and you can activate it later.”
This helps the client feel safe and in control, not pushed.
✅ Bonus Checklist: How to Prepare Before Any Client Conversation
Before your next call or meeting, ask yourself:
Who is this client? (Age, job, business type, family situation)
What risk will impact them most?
What’s the one line I can use to explain this cover in their language?
What’s my objection-handling line?
What do I want them to do next?
You can use this checklist before every client meeting, even on WhatsApp!
🎁 Free Download: Agent Saathi’s Insurance Sales Techniques Starter Kit
✅ 10 ready-to-use opening lines
✅ Objection handling cheatsheet
✅ Outcome-first messaging table
✅ WhatsApp status image
✅ Available in English, Hindi, Gujarati
🎁 Want to use these client lines in your daily sales? The full Client Talk Starter Kit (PDF) — with ready-to-use lines, objection handling tips, and pitch-ready visuals — is available to Agent Saathi trial users.
This free starter kit is available to members only. Log in or sign up to download instantly.
🚀 Final Word: Your Role is Bigger Than You Think
Selling insurance is not just about paperwork or commission. You're helping people sleep peacefully, knowing their life or business won’t collapse after one bad day.
Don’t sell insurance. Explain protection.
Let Agent Saathi help you do that better — every day, in your language, with your styl
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