19 SMS Templates for Insurance Companies
Artificial intelligence has revolutionized how insurance organizations and customers interact with one another — and we still haven't seen the full scope of that revolution.?
According to Gartner , up to 60 percent of all sales work could be executed by artificial intelligence by 2028. Even as early as next year, the analyst estimates that roughly 30 percent of all sales messages may come from AI.?
Customer support is another major beneficiary of artificial intelligence. Deloitte further predicts that AI and machine learning could increase overall labor productivity by roughly 37 percent by next year.
By 2032, the global conversational AI market is expected to reach US $9586.4 million at a compound annual growth rate of 17.1 percent.?
What’s clear: AI has tremendous potential to unlock significant savings for companies who get it right.?
But where should you start? For many insurance companies, it starts with using AI texting for sales outreach, lead engagement, and customer support.
QUICK GUIDE TO THE SMS TEMPLATES
Using AI to maximize impact of SMS?
AI texting is a great tool for sales outreach given how scalable and adaptable it is to changing business needs.?
Not surprisingly, insurance companies are taking notice too. According to IDC , roughly 49 percent of insurance organizations are currently implementing conversational AI systems.?
Given the numbers, it isn't hard to see why. On the business side, conversational AI can handle time-consuming, tedious sales and support tasks such as policy renewals, follow-ups, document collection and appointment scheduling. This leaves agents free to focus on more meaningful and impactful work.
For customers, meanwhile, AI creates a significantly more convenient and engaging experience, making it easier to manage their policies and plans in the process.?
Here's the problem, though. As promising as it is, conversational AI isn't something you can just mindlessly deploy. There's certain information you need to collect and certain steps you need to consider for each engagement.
To put it another way, just like a human agent, your conversational AI needs a basic script that it can follow.?
Don’t worry. Meera has helped create thousands of SMS campaigns for our insurance clients, so we understand what needs to be included in templates and scripts for each major use case.
Let's start by exploring a few of the different AI texting use cases within insurance and the templates you can use to get started fast.?
Insurance Sales Text Message Templates for Initial Outreach
Agent Introduction
If you decide to do outreach to clients who have expressed interest in a quote, you'll likely end up using a template similar to this one. You'll want to make sure your automated agent has access to information on your plans and policies so that it can answer any questions the prospect may have. Other than that, you don't need much more information for this template.?
Review Coverage
SMS Templates for Collecting Info and Documents
Document Collection
This template goes out to clients who have expressed a desire to become policyholders. You'll need a way of obtaining the documents from the client, such as via a secure portal. Otherwise, this is relatively straightforward.?
You may also use this template to request documentation and other data during the claims process, such as receipts, photos, damage reports, injury reports, and more. You'll also need a means of validating contracts and other forms via digital signature in order to get consent.?
Document Verification
Please verify that your information is correct and add any changes regarding your address, income, or number of insured individuals — you can do so using this secure link :
You'll send this message in a few different scenarios:?
As with the document request template, you'll need a secure way of receiving the updated information.?
Missing Document Reminder
Hey, [name].?
Just a reminder that in order to complete [process], we'll need [required document] from you. Please send it to us at your earliest convenience or upload it via this secure link: [Link]
This is fairly self-explanatory — you'll send out this automated message when a prospect or policyholder has neglected to upload the necessary documentation for their policy or account. You may also want to include a message confirming that documentation has been received, as well.?
SMS Templates for Agent of Record and Consent
AOR Request
Hey [name]!?
In order for us to act as your agent and manage your benefits, we'll need your consent. You can find the form at this secure link: [link]
You'll use this message when you need a client or policyholder to sign an Agent of Record letter. Typically, you'll use a secure portal combined with an eSignature solution as part of this process. You may also send out a confirmation message once the form has been signed and processed.?
AOR Consent
Hey [FirstName], this is [name] from [company].?
We were doing a courtesy check on your insurance plan and noticed you're now on a different plan with [ExistingPlanCarrier] [PlanName]. If you were NOT aware of this change and would like to return to [ContactCarrier] [PlanName], please let us know immediately, and we'll update your file.?
To keep everything the way it is and have us continue servicing your account as your agent, reply KEEP. To go back to the plan we had set you up with, reply RETURN. Thank you!?
You'll generally send out this automated message when a policyholder has changed the agent of record on their insurance plan. If you don't receive a response, you'll generally want to send no more than four follow-up messages, each spaced two to four days apart.
SMS Templates for Lead Outreach
New Leads
领英推荐
This message is sent out to prospects who have directly requested a quote from your company. In addition to the individual's name and the type of insurance they requested, you may choose to further personalize this template with branded messaging and more details on their potential insurance plan. In addition to the template above, you'll also want to have templated messages prepared for the following scenarios:
Aged Leads
Hi [FirstName], it's [name] from [provider]. I'm following up on your request for info regarding our insurance plans. Let's take a closer look at your current coverage and see if we can find you some more competitive rates.?
Txt END if the quote is no longer required.?
Otherwise, please schedule a time with us to discuss the next steps: [CalendarLink]
The script for communicating with an aged lead is very similar to the script for communicating with a fresh lead — almost identical, in fact. The only real difference is that because the lead is aged, the window for communication may be slightly wider. This approach allows you to re-engage and possibly convert aged leads who were previously interested in a plan or a past customer.
Insurance Renewal Reminder SMS Templates
Insurance Renewal Reminder
Hey, [Firstname!]
This is just a reminder that the renewal date for your policy with [provider] is coming up on [date]. You can review the policy here: [Link].?
Let us know if you want to schedule a call with one of our agents to further discuss.
This insurance renewal reminder SMS template simply reminds policyholders of upcoming renewals. In addition to details on the renewal itself, you may choose to include guidance on next steps, link the policyholder to help documentation, or provide them with a way to schedule a meeting with their agent.?
Open Enrollment
Sent out to employees on company benefits such as health insurance and life insurance, this text message template is a reminder that they will soon be able to make changes to their plans.?
Plan Not Available
This message goes out during the renewal process if a policyholder's plan is no longer available for renewal. As you can see above, you'll need to deflect the policyholder to available plans they can select or else schedule them to speak with one of your agents.?
Show New Plans
Great! Here's a list of available plans: [Link].?
Let us know which one you'd like us to enroll you in or if you'd like to review your options with one of our agents!?
You'll generally send this message to a policyholder who's indicated that they want to select a new insurance plan. Your policyholder should be able to confirm and apply their changes entirely via your automated agent.?
Newly Selected Plan
Hey [name].?
Just to confirm, you'd like to select [plan] for your [insurance type]??
This can be added to any script involving policy changes or updates. If the policyholder answers in the negative, they can be directed back to a list of available plans.?
SMS Templates for Payments
Payment Reminder
Hey, [First name!]
Just letting you know that you have a payment coming up for your [insurance plan] with [provider] for $[amount]. To ensure continuous coverage, please confirm that your payment information is up to date, and let us know if you have any questions.?
Payment Declined
The first message in this template will go out immediately in the event of a failed or declined payment on a policyholder's premium. The second message can go out a week or so later. You may want to include a link to a payment portal or provide the policyholder with a means of directly contacting one of your agents.?
Reimbursement Notice
We have good news, [name].?
Your recent claim for [claim type] has been processed and approved. You'll receive a reimbursement of $[amount] on [date]. Please feel free to contact us if you have any questions or concerns.?
Other Life Insurance Text Message Templates
Appointments
These general-purpose templates can be sent out when a customer or lead schedules a call with one of your agents. They're all relatively straightforward, with the post-call follow-up template explaining the next steps — for instance, if a lead chose to work with you as their insurance provider, you'd get them started with onboarding.
Confirmation
Hey, [Name]
Just reaching out to let you know that [confirmation].?
This generic template can be sent out in any of the following scenarios:
AI Texting for Insurance: A Smarter Way to Communicate
For insurance companies, client communications represents arguably the most compelling application for conversational AI.?
By intelligently automating the most tedious sales and support tasks, your team can free themselves to focus on what's really important — people and policies. That's where Meera comes in.?
Trusted by major companies like True Coverage and Compass Insurance, we've managed thousands of successful SMS insurance campaigns. That expertise is what allowed us to create Meera.ai . And it's how we'll help your company simplify renewals, streamline outreach, and make life easier for both employees and agents alike.?
Speak with an AI expert at Meera today to learn more about how Meera can automate your entire renewal process.