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The Text Messaging for Insurance Agents Guide

Everything you need to know about text messaging for insurance agents and links to extra resources on specific topics.

 The Text Messaging for Insurance Agents Guide
 The Text Messaging for Insurance Agents Guide

When making the case for business texting, there are two stats that stand out from all the rest:

  • 90% of business leads would rather receive a text message than a phone call
  • Only 30% of consumers report actually receiving texts from the companies they work with

For savvy insurance agents, this disconnect between what people want and what businesses offer is a major opportunity.

In fact, it’s one of the most affordable and surefire ways to improve your overall customer experience. You can:

  • Follow up with leads
  • Answer quick questions
  • Book meetings 
  • Send reminders or notifications
  • Start conversations from your website

Before we dive into more detail on the above use cases, let’s take a look at the problem that SMS insurance marketing solves.

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The Problem Text Messaging for Insurance Solves

Channel preferences are changing to the point that businesses have no choice but to adapt. Here are three problems text messaging for insurance agents solves.

People Don’t Answer Their Phones

The response rate for phone calls can be as low as 1-2%. That’s 50 calls for a single conversation.

Text messages have a 45% response rate. You generate 23 conversations when you send 50 text messages. 

Not only do you have more conversations but agents leverage time better when they’re not wasting it dialing and smiling only for no one to pick up. 

Text Messaging Outperforms Email

If you’re relying on emails and not phone calls consider:

  • The average response time for a text message is 6,000% faster than email
  • Response rates to SMS marketing are 7.5x higher than email

People Are Already Texting You

150 million texts are sent daily to business U.S. landline numbers. So whether you know it or not, people are already texting your phone number.

The good news here is that we can text-enable your existing. You can make and receive phone calls and still send and receive SMS. 

In short, you can’t provide a positive customer experience if you never actually reach the customer. 😉

How Insurance Agents Use Texting

No matter how much technology is available to automate and streamline processes, insurance is all about establishing and managing relationships.

The key ingredient of any good relationship? Communication. Texting offers busy agents a quick and effective way to:

  • Communicate 1-on-1 with leads, customers, and clients
  • Send updates in the form of text blast to a list of contacts

We’ll cover what both use cases look like in more detail next.

How Text Messaging for Insurance Agents Works

Here are two popular interrelated use cases for insurance text messaging: texting 1-on-1 with leads and then sending updates, payment reminders, and more once they become customers.

Texting 1-on-1 With Leads, Customers, and Clients

Many SimpleTexting customers use texting to communicate with leads generated from other marketing channels like their website and social media ads. That’s because:

  • They can interact with prospects that may not be able to send an email or make a phone call at work
  • It allows potential customers and current customers to respond at their convenience
  • They can contact a lot of people in a short amount of time and get the highest number of responses

Use SMS to Book Phone Calls or Meetings

Jake Irving, Owner of Willamette Life Insurance has his agents immediately follow up with a phone call when they receive a new website lead.

If the lead doesn’t answer, they’ll send a text message like this.

Today 8:00 AM
Drew, It looks like you just filled out a quote on I am following up to see how we may be of assistance and if you have any questions. I look forward to speaking with you.

"We have found that sending text rather than calling only has improved our contact rate."
Jake Irving
Jake Irving


A similar strategy has helped increase Heart Life Insurance’s contact rates from 27% to 41%. 

Answer Quick Questions

Today 8:00 AM
Laura, thanks for being patient! We should have an update on your claim by Wednesday 5/8!

Add Texting to Your Website

Owner of Heart Life Insurance, Jimmy McMillan, notes that texting helps humanize the insurance process and that it’s more intimate than an email.

"You can use SMS to answer some quick questions without starting a full blown conversation, and hold multiple conversations with multiple clients simultaneously."
Jimmy McMillan
Jimmy McMillan


When texting 1-on-1 with clients, keep it simple and easy to respond to. “Yes or no” questions, “this or that” options work better than open ended questions. 

For example, a great text would be “would you rather me call you at 2:00 or 6:15?” versus “when would you like me to call you?” because it takes less effort on the prospect’s side to respond.

You can also send text messages to provide clients with updates and notifications.

If you want to turn more of your mobile website traffic into potential customers, you can add a Click-to-Text button to your site.

When a website visitor taps the button, the SMS app on their cellphone will launch with a pre-written message as well as a pre-filled phone number.

Automatically Send Texts to Facebook or Web Leads

Many of the agents we work with also connect their Facebook Lead Ads or web forms to SimpleTexting so that they can automatically send a text message to new prospects. The benefit? Instant response times leave an impression on clients.

Today 8:00 AM
Hi Drew. This is John with Farmers Insurance. Thanks for your interest in working with us. Does either 2pm or 4pm suit to discuss your needs?

How to Use Our SMS Inbox to Message 1-on-1 With Prospects and Clients

The simplest way to set this up is to advertise your text-enabled phone number where you typically field questions. From there, you can organize and respond to these incoming messages. Here’s how two-way texting works. 

SMS Insurance Marketing

Text blasts are often underused by insurance agencies–despite the fact texts have 98% open rates.

Insurance messages are a direct line of communication to your existing policyholders and potential prospects. Here are some ways we’ve seen agents use them.

Send Text Message Reminders

Chris Abrams, founder of Abrams Insurance Solutions in San Diego, uses text message reminders to build urgency and ensure that his company’s messages actually get read. He updates clients about:

  • Open enrollment dates and upcoming deadlines
  • Payment reminders
  • Appointment reminders
  • Renewal reminders

"I’ve been able to build up my clients and expand my base to all 50 states — and SMS marketing has been a key component in this expansion."
Chris Abrams
Chris Abrams


Send Automated Birthday Texts

As we’ve already mentioned, insurance is all about building relationships. With SimpleTexting, you can easily auto text happy birthdays to your subscribers.

Today 8:00 AM
Happy Birthday Grace wishing you a spectacular day. Thanks for being a valued client of Insurance Inc.

The Harvard Business Review found that this kind of personalization can deliver five to eight times the ROI on marketing spend, and can lift sales by 10% or more.

Ask for Online Reviews

It’s evident in recent years that customer reviews not only help build trust and local SEO rankings but can also help your conversion rate.

So, what role does SMS play here? You can text existing and previous customers a link requesting a review. 

Today 8:00 AM
Hi Dan, I hope we were able to help you out today. If you have five minutes and wouldn’t mind leaving a review on Facebook we would be grateful!

How to Send a Text Blast With SimpleTexting

This 90-second video explains how easy it is to send a bulk message to a list of subscribers using SimpleTexting.

In general, we recommend the following when writing insurance messages:

  • Keep it short: keeping a message as brief as possible allows the recipient to scan it and respond before you lose their attention.
  • Aim for clarity: while text messages should be short, they shouldn’t be cryptic. Ensure that the SMS will make sense to the recipient.
  • Make it personal: use the recipient’s name, location, or previously-specified areas of interest to know that the message is for them.

How to Choose the Best SMS Insurance Marketing Service

At this point, we should state the obvious: we’re an SMS insurance marketing service. We’ve worked with thousands of agents to help them text with their leads, clients, and customers, but we’re not going to do any hard selling here.

We encourage you to do your research, read plenty of reviews on third-party sites, and sign up for a free trial.

If you’re only starting to research SMS services, here are some of the boxes you’ll want to tick when choosing a service:

  • Can a service text-enable your existing phone number? SimpleTexting can text-enable an existing landline, VoIP or toll-free number for you.
  • A lot of text messaging platforms allow you to either text 1-on-1 with customers or send bulk texts. You want a platform like SimpleTexting that will enable you to both.
  • Do you need to integrate with other platforms like a CRM or send automated text messages? If so, you’ll want a service that offers multiple SMS integrations.
  • Insurance agents need to be careful of services that limit the number of keywords you can create. (We don’t.)
  • If you plan on using an SMS insurance marketing service for two-way messaging with customers, you want an SMS inbox with the functionality to manage multiple conversations.

The final consideration is the cost. The per-message price is a huge factor. It’s also worth understanding if credits rollover from one month to the next.

Here’s the Next Step

That’s it—everything you need to know about SMS insurance marketing in one straightforward guide. The next step is to sign up for a 14-day free trial and try it for yourself. 

If you have more questions, you can also request a demo. Alternatively, you can text or call us at (866) 450-4185 or use the chat at the bottom of your screen.

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