Handling Objections While Cold Calling For Insurance Sales

Cold calling can be an effective tool for insurance sales, however, objections often arise during the calls. This can be concerns about prices or a simple disinterest in the service. It is important for a salesperson to be able to handle and predict these objections to make successful sales.

Handling Objections While Cold Calling for Insurance Sales

As an experienced insurance representative, this is an issue my clients ask me about all the time! In this article, we’ll discuss common objections and how to handle them, and I’ll give you some tried and true tips to help you handle them effectively. 

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Key Takeaways
Listen carefully to the prospect’s objection and try to understand their concerns.
Acknowledge the objection and empathize with the prospect’s situation.
Use a “feel, felt, found” framework to address the objection. Example: “I understand how you feel, many of our clients felt the same way, but what they found is that our insurance policies actually saved them money in the long run.”
Provide specific examples or case studies of how your insurance policies have helped other clients in similar situations.
Highlight the unique features or benefits of your insurance policies that address the prospect’s concerns.
Address any misconceptions or misunderstandings the prospect may have about your insurance policies.
Offer to provide more information or answer any questions the prospect may have.
If the prospect is still hesitant, ask for permission to follow up at a later time to see if their situation has changed or if they have any further questions.
Remember that objections are a normal part of the sales process and that persistence and patience are key to success.

Common Objections In Insurance Sales Cold Calls

There are a variety of objections that may come up during insurance sales cold calls. Based on my professional experience, here are some of the most common objections you may encounter:

  1. “I’m not interested”: This objection may be a result of a lack of understanding or relevance of the product or service being offered. To handle this objection, try highlighting the benefits of the product or service and how it can address the customer’s needs or concerns.
  1. “I already have insurance”: This objection may be a result of the customer feeling satisfied with their current coverage. To handle this objection, try highlighting the differences between the two policies and how the one being offered may be more beneficial or cost-effective.
  1. “It’s too expensive”: This objection may be a result of the customer feeling like the price is out of their budget. To handle this objection, try highlighting any discounts or promotions that may be available and how the product or service may save the customer money in the long run.
  1. “I don’t have time for this”: This objection may be a result of the customer feeling overwhelmed or busy. To handle this objection, try offering to schedule a follow-up call at a more convenient time or providing information that the customer can review at their leisure.

By understanding and anticipating these common objections you can prepare to handle them effectively. In the next section, we’ll explore tips for handling objections in insurance sales cold calls.

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Tips For Handling Objections In Insurance Sales Cold Calls

In addition to understanding common objections, there are also strategies for handling objections effectively during insurance sales cold calls. Some I use and recommend as an experienced insurance representative are:

  1. Listen Actively: It’s important to listen carefully to the customer’s objections and try to understand their perspective. By actively listening, insurance sales representatives can better address the customer’s concerns and tailor their response accordingly.
  1. Acknowledge The Objection: It’s important to acknowledge the customer’s concerns and validate their feelings. This can help establish trust and show that the sales representative is understanding and empathetic.
  1. Provide Information And Solutions: Once the customer’s objections have been acknowledged, it’s important to provide relevant information and solutions that address the customer’s concerns. This can help overcome the objection and move the conversation forward.
  1. Follow Up: If the customer’s objections cannot be addressed during the initial call, it may be helpful to schedule a follow-up call to continue the conversation and try to address the objections at a later time.

By following these tips for handling objections, insurance sales representatives can better navigate objections and make successful sales during cold calls.


Handling objections is an unavoidable aspect of the sales process; however, the manner in which you address these concerns can significantly influence the outcome of a sale. Exhibiting empathy, delivering relevant information and tailored solutions, and anticipating typical objections will not only establish trust with customers but also enhance your likelihood of closing a successful deal.

Developing a deep understanding of your customer’s concerns is crucial for fostering a genuine connection with them. This involves actively listening to their needs, empathizing with their situation, and demonstrating that their best interests are at the heart of your proposal. By doing so, you create a rapport with customers that can help assuage any reservations they may have, ultimately paving the way for a smoother sales process.

In addition to understanding your customers’ concerns, it is essential to provide comprehensive information about your insurance policies, highlighting the features and benefits that directly address their apprehensions. Offering personalized solutions that cater to their unique needs and circumstances will further reinforce the value of your product, and demonstrate your commitment to delivering customer-centric service.

Anticipating common objections and preparing well-thought-out responses can also be a game-changer in the sales process. By proactively addressing potential concerns before they are raised, you not only exhibit thorough knowledge of your product and the industry, but also create a sense of confidence and competence that can impress your customers and alleviate any lingering doubts.

Treating customers with respect and adopting a consultative approach can position you as a trusted advisor rather than just a salesperson. This shift in perception can have a profound impact on your sales effectiveness, as customers are more likely to invest in your product when they feel that they are receiving honest, unbiased advice from a knowledgeable professional.

In conclusion, successfully handling objections is a multifaceted process that involves empathy, tailored solutions, anticipation of common concerns, and a respectful, consultative approach. By embracing these principles, you can foster trust with customers, establish yourself as a reliable expert, and ultimately enhance your sales performance.

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