Follow-Up Call Script After Sending an Insurance Quote
Book the follow-up call before you hang up on the first call, not after the quote lands in their inbox. When you call back, restate the reason they wanted coverage in their own words, then ask one sorting question: "Did you get a chance to look at it?" Their answer tells you which of the five scripts below to run.
Pre-send checklist (run it before the first call ends)
| # | Check | What you write on the contact |
|---|---|---|
| 1 | Follow-up day and time agreed by both of you | Day, time, their time zone |
| 2 | Where the quote goes, spelled back to them | Email address, confirmed out loud |
| 3 | What they should look at first | Monthly amount, coverage amount |
| 4 | Their reason for buying, in their words | One sentence, quoted |
| 5 | Who else decides, and that they'll be on the next call | Name and relationship |
| 6 | Quote framed as an estimate | "Final price set after carrier underwriting" |
If any box is empty when you hang up, the follow-up is a cold call with extra steps.
The follow-up starts before you send the quote
Most quotes die in the gap between "I'll send it over" and the next call. Nobody set a time, nobody knows what to look at, and the person who actually decides was never on the phone. You close that gap on call one.
Line to book the follow-up on the first call
"[First name], I'm going to email this quote to [email address] in the next few minutes. Can you spell that back for me so I get it right?
When you open it, look at two things first: the monthly amount and the coverage amount. Keep in mind it's an estimate. The carrier sets the final price after underwriting.
Let's pick a time to go through it together so you're not stuck reading it alone. Does [day] at [time] work, or is [day] at [time] better?
And is there anyone else who'd want to hear this before you decide? Let's get them on that call too."
Write their answer to the last question on the contact. If a spouse or adult child is part of the decision, the next call is a joint call. The set life insurance appointments over the phone script covers locking that in.
If you're still building the first call itself, start with the life insurance phone sales script or the final expense phone script. The follow-up only works if call one did its job.
The opening 20 seconds of the follow-up call
You have one job in the opener: remind them why they asked, then find out where they are.
"Hi [first name], it's [your name] with [agency]. [Disclosures your agency or compliance team requires.] We set this time on [day] to go over the quote I sent for [their reason, in their words]. Did you get a chance to look at it?"
That bracketed disclosure is a slot. Your agency, compliance team or attorney decides what goes in it. Don't improvise it.
Use their reason exactly as they said it. "So your wife isn't left with the funeral bill" lands. "Your coverage needs" doesn't.
Their answer picks the script
| What you hear | Script |
|---|---|
| "Yes, I had a couple questions" | 1. They read it |
| "No, I haven't opened it" / "I didn't see it" | 2. They didn't open it |
| "I got another quote too" | 3. They're comparing |
| "I need to go over it with my husband / wife" | 4. Spouse |
| No answer after two booked attempts | 5. Last attempt |
Five word-for-word scripts by situation
1. They read it and have questions
"Good. What stood out to you?"
Let them talk. Answer the question they asked, not the one you wish they'd asked. Then:
"Does that clear it up? ... Other than that, does the monthly amount and the coverage still fit what you told me, [their reason]?"
If yes:
"Then the next step is the application. It takes about [your typical time] on the phone, and the carrier reviews it from there. The price on your quote is an estimate until they finish underwriting, and I'll call you as soon as I hear back. Do you want to do that now, or is there anything else you want to go over first?"
If they say "I'm still thinking about it," ask what part:
"That's fair. Is it the monthly amount, the coverage amount, or something about the policy itself?"
The answer is usually one of those three. Handle that one, then ask again.
2. They didn't open it
Don't send it again and hang up. Walk through it with them now.
"No problem, that happens. I've got it right here. I can walk you through it in about five minutes. If it's easier to see it on screen, I can send you a video link. You just click it, no download, no account. Which do you prefer?"
On the walkthrough, cover three things in this order:
"Here's the coverage amount: [amount]. Here's what it would cost each month: [amount], and that's an estimate until the carrier finishes underwriting. And here's how it lines up with what you told me: [their reason]. What questions do you have?"
Then go to script 1.
3. They're comparing with another quote
Rule: never criticize another agent, carrier or company. Not their price, not their service, not their reputation. You don't know the full picture, and the prospect hears it as pressure. Compare on coverage and fit.
"Good, you should look at more than one. Do you have it handy? Let's put them side by side so you're comparing the same things."
"First, is the coverage amount the same on both? ... Second, is the monthly amount for the same coverage? ... Third, does either one have a waiting period or limits in the first years? ... And last, which one matches what you told me matters most, [their reason]?"
If the other quote fits them better:
"Honestly, that one looks like a good fit for what you need. I'd go with it. If anything changes, you have my number."
That exit costs you one sale and earns a referral source. If yours fits better, let them say so, then go to the application line in script 1.
4. They need to talk to a spouse
Short version. The full set of scripts is in how to handle 'I need to talk to my spouse'.
"That makes sense. It's a decision for both of you. Rather than you trying to explain it secondhand, let's get the three of us on the phone, or on a video link, so they can ask their own questions. Is [day] at [time] good for both of you, or is [day] at [time] better?"
If they won't book a joint call:
"Okay. When you talk to them, what do you think their first question will be?"
Their answer tells you whether it's a real joint decision or a concern they haven't said out loud yet.
5. They went quiet after two attempts
This is the last call. Leave the door open and make it easy to say no.
"Hi [first name], it's [your name] with [agency]. [Required disclosures.] I've tried you a couple of times about the quote for [their reason]. I don't want to keep calling if the timing isn't right. Is this something you still want to look at, or should I close it out for now?"
If they say close it out, thank them, note it, and stop. If they say they're still interested, book a day and time on the spot. If they say no outright, the handle 'I'm not interested' post covers how to respond without pushing.
Voicemail and email to use between calls
Voicemail (under 20 seconds)
Leave it yourself, live. Read it out loud with a timer once before you use it.
"Hi [first name], it's [your name] with [agency], following up on the quote I sent for [their reason]. I'll try you again [day] at [time]. If another time is better, call me at [your number]. Again, [your number]. Thanks."
Three things it does: says who you are, ties back to their reason, and names the next attempt so the callback isn't a surprise.
Short follow-up email
Subject: Your quote for [their reason, short]
Hi [first name],
Following up on the quote I sent on [date]. The two numbers to look at first are the coverage amount ([amount]) and the monthly estimate ([amount]). The final price is set by the carrier after underwriting.
I'll call you [day] at [time] to go over it. If you'd rather look at it together on screen, reply and I'll send a video link.
If you've decided it's not for you, just reply "no thanks" and I'll close it out.
[Your name] [Agency] [Phone] [Any signature details your agency requires]
The "no thanks" line matters. It gives a quiet prospect an easy way to answer, and an answer of any kind beats silence.
How many times to follow up and when to stop
There's no right number that fits every book. You set it, write it down, and stick to it. Fill this in once and use it for every quote.
Your follow-up cadence
| Attempt | Days after quote sent | How | Script | Notes |
|---|---|---|---|---|
| 1 | ____ | Call (booked time) | Opener, then 1 to 4 | |
| 2 | ____ | Call + voicemail | Opener, then 1 to 4 | |
| 3 | ____ | Email template | ||
| 4 | ____ | Call | 5. Last attempt | |
| Stop | ____ | Close it out, note why |
Stop rule. If the prospect says no, or asks you not to call, write it on the contact and stop. Don't schedule another attempt. Your agency's do-not-call process decides what happens to that number next; follow it.
Track which script needs work
Pull your own last 30 to 60 days of quotes and sort each follow-up call by which script you ran. Then:
- Quote-to-app rate by situation = applications from that situation / follow-up calls in that situation
- Booked follow-up rate = quotes sent with a day and time set / quotes sent
- Reach rate on booked calls = booked follow-ups where they answered / booked follow-ups
If your booked follow-up rate is low, fix call one. If one situation has a much lower quote-to-app rate than the others, that's the script to rewrite and practice first. Use your own numbers. Nobody else's benchmark tells you where your book is leaking.
Where Nohl fits
The scripts above work on any phone. Here's where the tool helps on a follow-up:
- Walking through the quote on screen. Prospects join a video meeting from a link, with no download or account. That's script 2 and the joint spouse call in script 4.
- Notes in one place when you redial. Dialer, CRM and video meetings sit together, with one contact record behind every call and meeting. Their reason, the quote amounts, the decision-maker and the booked time are on the record when you call back.
- Help mid-call. Sales AI suggests the next line or an objection answer to you during the live call. The prospect never hears it. You stay in the conversation and decide what to say. More on that on the live AI sales coach for individual producers page.
Where it doesn't fit: Nohl won't build your quote or speed up carrier underwriting. The pre-send checklist and the booked time on call one are still on you.
Frequently asked questions
How soon should you follow up after sending an insurance quote?
At the day and time you both agreed to on the first call. Book it before you hang up. If you didn't book one, call back soon enough that they still remember why they asked, and set a time on that call.
What do you say when following up on a quote?
Say who you are, reference the quote and their reason for buying in their own words, then ask "Did you get a chance to look at it?" Their answer tells you whether to answer questions, walk through it live, compare quotes, book a spouse call or make a last attempt.
How many times should you follow up on an insurance quote?
Set your own number of attempts and spacing, write it in a cadence table, and use it on every quote. End with a last-attempt call that lets them close it out. If they say no or ask you not to call, note it and stop.
What if the prospect says they're still thinking about it?
Ask which part: the monthly amount, the coverage amount, or something about the policy. Handle the one they name, remind them the price is an estimate until underwriting is done, then ask about the application again.
Should I leave a voicemail on a quote follow-up?
Yes, keep it under 20 seconds and leave it live. Say who you are, tie it to their reason, name when you'll call next and give your number twice.