7 Insurance Lead Follow-Up Text Scripts That Actually Get Replies

If you're an insurance producer, your problem is almost never the pitch. It's the follow-up. The average agent stops after two touches, but it takes five or more to close. That gap is where your commissions go to die.

Here are seven scripts you can use today, plus the timing rules that make them work.

The timing rule that matters more than the script

Respond within 5 minutes and your qualification odds spike. Wait 30 minutes and they crater. The script is the second-most important variable — speed is the first. If your team can't hit a 30-second first touch, no script will save you. That's exactly what autonomous AI agents solve.

Script 1 — The instant response (under 30 seconds)

"Hi [Name], this is [Agent] with [Agency] — you just requested info on [coverage]. So I point you the right way: are you looking to start coverage this month, or just comparing options? Reply STOP to opt out."

Script 2 — The one-question qualifier

"Thanks [Name]! Quick one — do you already have a policy, or is this your first time looking? It changes what I'd send you. Reply STOP to opt out."

Script 3 — The final expense opener

"Hi [Name], saw you were looking at final expense coverage. Most families I help want it to cover funeral costs without touching savings. Is that your goal, or is there another reason? Reply STOP to opt out."

Script 4 — The Medicare timing script

"Hey [Name], Medicare decisions are time-sensitive. Are you turning 65 this year, or is this about changing an existing plan? I'll send exactly what applies. Reply STOP to opt out."

Script 5 — The IUL value nudge

"[Name], most people shopping IULs care about tax-free growth or the living benefits. Which matters more to you? Reply STOP to opt out."

Script 6 — The appointment offer (two choices)

"Sounds like this is worth a quick conversation, [Name]. Does tomorrow at 10 or Thursday at 2 work better? Either way I'll keep it under 15 minutes. Reply STOP to opt out."

Script 7 — The revive-the-file

"[Name], last note from me — should I close your file for good, or is coverage still on your radar? Either answer's fine. Reply STOP to opt out."

Why these work

• They ask a question, not for the sale. Questions get replies; pitches get ignored.
• They give a painless out. "Should I close your file?" consistently earns the highest reply rate of any line.
• They include opt-out language. Non-negotiable for TCPA and 10DLC deliverability.

Put them on autopilot

These scripts work best when they fire automatically, within seconds, every time — across hundreds of leads. That's what SalesGod CRM's AI agents do: they send the first touch in under 30 seconds, read the reply, tag intent, and book the appointment straight to your calendar.

Run the numbers with our free ROI forecaster, or grab Robert Magnetico's eBook for the full playbook.