Playbook

"Hi [Prospect's Name], this is [Advisor's Name] from Heritage. I see you submitted your information for auto insurance; what prompted you to shop your insurance?"
(Pause for response)

"I know insurance can be complicated, so I like to ask a few questions to make sure I can actually help you."

"To ensure we're a good match, I’m going to ask you a few more questions."

• "We allow you to easily manage your policy, so we simplify the insurance process through service centers or texting. Does this work for you?"
• "Our goal is to maximize your savings. Do you want me to provide all the discounts you qualify for?"
• "To help you maximize your discounts, we also educate our clients. I'll suggest specific coverage and recommend other policies to help protect you. Does that sound good to you?"

"Great! Let’s review some details and see how we can help you."
(Proceed to gather additional information, provide recommendations, and address concerns.)

"Now that your policy is set up, here’s what happens next:"

1. "You’ll receive a text within 24 hours with a link to e-sign your application. Please review and sign it promptly so your premium doesn’t change."
2. "We’re here to simplify the insurance process, and here’s how we support you:"
   • "For routine questions or changes, your carrier’s service center will provide quick assistance. I’ll send you their contact details shortly."
   • "Your carrier’s app is the easiest way to manage your policy, including accessing ID cards. I’ll send you the download link."
   • "If neither of those options helps, you can always text us, and we’ll respond promptly."
3. "Lastly, we’d love to help your friends or family with their insurance needs. Do you know anyone who might benefit from our services?"

"Thank you for trusting Heritage Insurance. We’re here whenever you need us!"

"Hi [Name], I’ve tried reaching you a few times but haven’t heard back. I’m checking in to see how you’d like to proceed with your [line of business] insurance. Feel free to call or text me at [phone number] whenever you’re ready to continue the conversation. Thanks!"

Reason for the Call
"I was reviewing your policy with [Current Carrier] and noticed an opportunity to improve your coverage and/or save you money. I wanted to quickly share what I found."

"Things change quickly, and sometimes the policy you initially bought may not be the best fit for you now."

Presenting the Opportunity
"We can offer you a policy with [New Carrier] that [lowers your premium/increases your coverage]. It also includes added protection, like renters insurance, to better suit your needs."

Reinforce the Value
"This package offers more protection and aligns better with today’s realities. Would you have a few minutes to go over the details?"

(Proceed to discuss details, address questions, and finalize next steps.)

If Not Willing or Hesitant
"Have you ever thought about whether your current coverage still aligns with your needs?"

"Thanks for taking the time to talk with me. Please let us know if you’d like to revisit this opportunity in the future."

Voicemail Script Uno Reshop Calls - (if they don’t get a hold of the client) 

Hi [First Name], this is [Your Name] with [Your Company]. 

I’ve been reviewing your policy with [Current Carrier] and noticed there might be some opportunities to improve your coverage and/or save you money. I’d love to share what I’ve found and go over a few options that could really benefit you. 

Give me a call back when you have a moment at [Your Phone Number]. Looking forward to speaking with you! 

If you don't get a hold of them, send them the email and text template:

Uno Reshop Calls Text Script

Uno Reshop Calls Email Template

"An umbrella policy acts as extra protection on top of your existing coverage. It can step in when the limits of your home, auto, or other insurance policies are reached."

(if needed): "Think of it like this—if there’s a big storm and your umbrella isn't quite big enough to keep you dry, you’d want a larger one to make sure you’re fully covered, right? An umbrella policy provides that extra layer of coverage in case something big happens.

For example, if someone were injured in an accident involving your car and the medical costs went above your auto policy limits, an umbrella policy would help cover the difference."

Poke the bear:"Out of curiosity, have you ever wondered what might happen if a large claim goes beyond what your standard policy covers?"

"That’s where people often find umbrella policies come in handy—it’s that additional safety net to protect your assets and avoid paying out of pocket in a worst-case scenario."

I’m following up on the review of your current policy. While we weren’t able to save you money on your existing policy, there are other ways we might be able to help.

I noticed you have your [current policy type] with us, but it looks like you don’t have a [missing policy type] with us. Bundling your insurance in one place often saves money and can provide better overall coverage.

Would you be interested in exploring additional coverage options to see how bundling might benefit you?

Focus on these things if the client already has multiple policies with us and cross-selling isn't an option:

Coverage gaps/discrepancies

• Dwelling coverage
• Liability limits (auto/home)
• UM/UIM limits
• Rental reimbursement
• Roadside

2. Discounts/Savings

• EFT or Paid in full
• Telematics
• Good student discount
• Deductible limits

Estimated monthly premiums for a 20-year term policy with a face value of $250,000: 

For a Male: 

• Age 20-30: $20 
• Age 31-40: $25 
• Age 41-50: $60 
• Age 51-60: $140 
• Age 60-70: $300 

For a Female: 

• Age 20-30: $15 
• Age 31-40: $20 
• Age 41-50: $45 
• Age 51-60: $110 
• Age 60-70: $250 

Use this fillable Life Insurance Proposal to create a life quote.