--- title: "Power Dialer Call Scripts for Insurance Agents: Openers, Objections & Closes" description: "The first 10 seconds of a power dialer call determine everything. Here are proven scripts for insurance openers, objection handling, and appointment setting." url: https://unlockedcrm.ai/blog/power-dialer-call-scripts-insurance canonical: https://unlockedcrm.ai/blog/power-dialer-call-scripts-insurance category: "communication" published: 2026-03-04 updated: 2026-03-06 author: "Jacob Lock" source: unLocked CRM — AI CRM for insurance agents --- # Power Dialer Call Scripts for Insurance Agents: Openers, Objections & Closes ## TL;DR Power dialer scripts for insurance agents must accomplish three things in the first 10 seconds: identify yourself, reference why you're calling, and ask a permission question. Objection handling should use curiosity questions (not pushback), and every call should aim for a specific appointment time rather than a vague 'I'll follow up.' ## Key data points - The first 10 seconds of a cold call determine whether the prospect stays on the line — agents who use a structured opener convert 2.5x more calls to conversations. - Responding to 'just send me an email' with two qualifying questions before hanging up converts 35% of those prospects into appointments. Power dialing is a numbers game — but the numbers only work when the conversations are effective. An agent with a 25% connect rate and a strong script will set more appointments than an agent with a 25% connect rate and no script. The scripts below are designed for the speed and context of power dialer sessions: short, direct, and focused on setting appointments rather than closing on the first call. ## Opening Scripts (First 10 Seconds) The opener must accomplish three things in under 10 seconds: 1. Identify yourself 2. Reference why you are calling (their inquiry) 3. Ask a permission question ### Generic Lead Follow-Up *"Hi [Name], this is [Agent] with [Agency]. You recently requested information about [product] — I've put together some options for you. Do you have about 5 minutes?"* ### Medicare Lead *"Hi [Name], this is [Agent]. I'm calling about the Medicare information you requested. I specialize in helping folks in [county/area] find the best plan for their medications and doctors. Can I ask you a couple quick questions?"* ### Life Insurance Lead *"Hi [Name], this is [Agent] with [Agency]. You were looking into life insurance options — I work with over 40 carriers and can show you the best rates for your situation. Do you have a few minutes?"* ### Referral Call *"Hi [Name], this is [Agent]. [Referrer Name] suggested I give you a call — they mentioned you might be looking for help with [product]. Do you have a couple minutes?"* ### Callback (Previously Spoke) *"Hi [Name], it's [Agent] calling back as we discussed. I have your [product] quotes ready — do you have 10 minutes to review them?"* ## Objection Handling Scripts ### "I'm not interested." *"Totally understand. Out of curiosity — do you already have [product] coverage in place, or is it more of a timing thing?"* If they have coverage: *"Great — when was the last time you compared rates? Things change every year and I often find savings for people who haven't shopped recently. Would you be open to a quick comparison?"* If it's timing: *"No problem at all. When would be a better time for me to reach out? I'll put it on my calendar."* ### "I'm busy right now." *"Completely understand — I know I'm catching you cold. Would [specific day/time] work for a quick 10-minute call? I'll have everything prepared so we make the most of your time."* ### "Just send me an email." *"Happy to! I'll send over a summary right after we hang up. Before I do — can I ask two quick questions so I can tailor what I send? It'll take 30 seconds."* (Then ask qualifying questions and still try to set an appointment at the end.) ### "How did you get my number?" *"You submitted a request for [product] information on [date/source]. I'm following up on that inquiry. Would you like to continue, or would you prefer I remove your information?"* ### "I'm already working with an agent." *"That's great — having an agent you trust is important. I'm not trying to replace them. But if you ever want a second opinion or want to compare options, I'm here. Can I at least send you my contact info in case anything changes?"* ### "Your price is too high." *"I hear you. The rates I quoted are based on the information we discussed — but rates vary a lot by carrier. If you're seeing a lower rate elsewhere, I'd love to take a look and make sure we're comparing apples to apples. Can you tell me what you've been quoted?"* ## Appointment-Setting Scripts ### The Direct Close *"Based on what you've told me, I think I can find you [better coverage / lower rates / the right plan]. I'd love to set up a 15-minute call to walk through your options. Would [day/time] or [day/time] work better?"* ### The Value Close *"Here's what I'd like to do: I'll compare [X]+ carriers for you, put together a side-by-side comparison, and walk you through exactly what each option covers and costs. The whole thing takes about 15 minutes. When works best — morning or afternoon?"* ### The Urgency Close (Time-Sensitive) *"[AEP/OEP/rate change] is coming up on [date], and I want to make sure you have time to review your options before then. Can we schedule 20 minutes this week?"* ## Voicemail Drop Scripts ### General *"Hi [Name], this is [Agent] with [Agency], calling about the [product] information you requested. I have some great options to share with you. My number is [number] — or just text me back at this number and I'll send over a summary. Talk soon."* ### Follow-Up *"[Name], it's [Agent] following up — I've been trying to connect with you about your [product] options. I've got your quotes ready and they look really good. Give me a call at [number] or reply to the text I'm about to send. Hope to hear from you."* ## Post-Call Disposition Notes Quick notes save future-you enormous time. After each meaningful call, add a 1-2 sentence note: - **Interested**: "Wants term 20, $500K. Spouse also needs coverage. Appt set for Thu 2pm." - **Callback**: "At work, asked to call back after 5pm Wednesday. Interested in Medicare Supp." - **Not Interested**: "Has coverage through employer. Revisit if they change jobs — works at [company]." - **Objection**: "Price-sensitive. Getting quotes from [competitor]. Wants to compare — send follow-up comparison email." ## FAQ ### undefined ### undefined ## Related - https://unlockedcrm.ai/blog/power-dialer-tips-insurance-agents-maximize-connects - https://unlockedcrm.ai/blog/insurance-power-dialer-complete-guide-2026 - https://unlockedcrm.ai/blog/power-dialer-metrics-insurance-agents --- Source: [Power Dialer Call Scripts for Insurance Agents: Openers, Objections & Closes](https://unlockedcrm.ai/blog/power-dialer-call-scripts-insurance) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/power-dialer-call-scripts-insurance.