--- title: "Inside the 21 Pre-Built Agent AI Scripts: A Complete Library for Insurance Agents" description: "Every unLocked CRM account ships with 21 production-ready Agent AI call scripts spanning 17 product lines, 2 inbound flows, and 2 campaign workflows. Here's what's inside each one." url: https://unlockedcrm.ai/blog/agent-ai-21-prebuilt-scripts-library canonical: https://unlockedcrm.ai/blog/agent-ai-21-prebuilt-scripts-library category: "Agent AI" published: 2026-04-16 author: "Jacob Lock" source: unLocked CRM — AI CRM for insurance agents --- # Inside the 21 Pre-Built Agent AI Scripts: A Complete Library for Insurance Agents ## TL;DR unLocked CRM ships 21 pre-built Agent AI scripts on every new account: 17 outbound (one per insurance product line), 2 inbound receptionist flows, and 2 campaign automations. Each includes opening/main/closing sections, product-specific objection handling, and dynamic variable support. Most "AI calling" tools hand you a blank prompt box and wish you luck. unLocked CRM ships every new account with **21 production-ready Agent AI scripts** — pre-engineered, objection-handled, and product-line specific — so agents can be live on the phone within minutes of signup. This guide breaks down every script in the library, what it's optimized for, and how the underlying prompt architecture works. ## The Three Categories The 21 scripts are organized into three operational buckets: 1. **Outbound (17 scripts)** — Cold and warm outbound for every major insurance product line 2. **Inbound (2 scripts)** — Receptionist flows for live calls 3. **Campaign (2 scripts)** — Speed-to-lead and recruiting automations Each script includes opening, main, and closing sections, system instructions for the underlying voice model, product-specific objection handling with follow-up question logic, and dynamic variable support for {{lead_name}}, {{agent_name}}, and {{company_name}}. ## Outbound Scripts (17) These are the highest-value scripts in the library because outbound calling is where most agents lose hours per day. Every outbound script is trained on carrier-specific underwriting language, common stalls, and compliance guardrails for that product line. - **Medicare Supplement** — Plan G/N comparisons, household discount qualification, GI window detection - **Medicare Advantage** — Network checks, Part D drug verification, SOA flow - **Final Expense** — Simplified issue qualification, monthly budget framing - **Term Life** — DOB + health class qualification, conversion options pitch - **Whole Life** — Cash value education, premium-vs-coverage tradeoffs - **IUL** — Cap/floor explanation, retirement income positioning - **GUL** — Lifetime guarantee framing for older clients - **Fixed Indexed Annuity (FIA)** — Surrender period, participation rate, income rider qualification - **MYGA** — Rate comparison, CD vs annuity framing - **SPIA** — Income for life calculation, joint vs single life - **ACA Marketplace** — Subsidy estimation, household income capture, Medicare blocking - **Mortgage Protection** — Decreasing term framing, beneficiary capture - **Infinite Banking (IBC)** — Whole life policy as banking system - **Accident & Critical Illness** — Lump sum benefit framing - **Dental/Vision/Hearing (DVH)** — Standalone vs bundled - **Hospital Indemnity** — Gap coverage for high-deductible plans - **Private Health Plans** — Short-term, indemnity, faith-based options ## Inbound Scripts (2) - **General Receptionist** — Default Arwyn flow: greeting, intent capture, routing - **After-Hours Answering** — Voicemail-replacement with appointment booking ## Campaign Scripts (2) - **Speed-to-Lead Follow-Up** — Triggered within seconds of a new web lead - **Agent Recruiting** — For IMOs and agencies building downlines ## How the Scripts Work Under the Hood Each script is a structured JSON document containing system_instructions, opening_script, main_script, closing_script, and an objections array. When a call connects, the voice model receives the full prompt with variables interpolated, then dynamically navigates the conversation while staying inside the guardrails. ## Customization Without Starting Over Every pre-built script is editable. Agents typically tweak the opening line and add their license number; the heavy lifting (objection handling, follow-up logic, compliance language) stays intact. ## Why This Matters The biggest reason AI calling fails for insurance agents is **prompt engineering** — a generic prompt produces generic conversations that get hung up on. By shipping 21 product-trained scripts on day one, unLocked CRM eliminates the cold start problem entirely. ## FAQ ### undefined ### undefined ### undefined --- Source: [Inside the 21 Pre-Built Agent AI Scripts: A Complete Library for Insurance Agents](https://unlockedcrm.ai/blog/agent-ai-21-prebuilt-scripts-library) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/agent-ai-21-prebuilt-scripts-library.