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When you call a prospective client, you presumably start with a standard question and response session about the policy details. While asking these questions is an important part of the quoting process, how you present them can have a big impact on the tone and flow of the conversation. Conversational inquiries aren't just for gathering knowledge. They gain the consumer's confidence, make them feel more comfortable giving confidential information to a complete stranger, and help transform the discussion from a "stale sales call" into a pleasant chat.

Experiment with the following questions to see how adding a more personal touch can affect your sales conversations.

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30 Most effective insurance sales question to must ask

Here are 30 insurance sales questions that will help you to understand your prospected customer.

Insurance sales question to ask while understanding your lead

1.Can you tell me [your background, work, reason for contacting us] so I can help you find the best opportunities?

2. What insurance or asset protection problems can I help solve today?

3. Do you have a reason to consider switching insurance companies so I know if we can meet your expectations?

4. How much experience do you have [in general policies] that I can be sure I can answer all your questions thoroughly?

5. At your age, what concerns do you have about [car, home, life insurance]?

6. What challenges have you had with previous policies?

7. Tell us a little about your future goals and wishes to help find the best option for you?

8. What is one thing I can help with right now that would make your life easier?

9. Are you the only decision maker or does someone else consider this policy?

10. Have you talked to other companies about getting insurance? (If yes) How was your experience with them?

Insurance sales question to ask in the middle of the pitch

11. Does my explanation make sense so far or is there something I can elaborate on?

12. Does this sound like your needs?

13. When do you need to start a new coverage?

14. Is there anything that could happen in the next few years that could change the way we look at these opportunities now?

Insurance sales question to ask when talking about budget/cost considerations

15. Are these options within your budget?

16. What is your preferred budget and "absolute limit" budget?

17. Besides cost, what features are you interested in comparing?

Insurance sales question to ask when wrapping up

18. Now that I've explained the features, how does this plan sound?

19. Can I help with anything else we haven't discussed?

20. Are you hesitant about these policies?

21. Do you think something needs tweaking to better suit your needs?

Insurance sales question to ask when closing the sale

22. Do you think this coverage might be right for you?

23. Do you have any questions about the next steps?

24. Are you ready to continue this policy?

25. Could you confirm this insurance on Thursday morning?

30. Based on our discussion, what do you think of my service today?


The insurance industry is a competitive and ever-changing landscape that requires a well-trained and informed sales team. By asking the right questions, insurance sales professionals can identify the specific needs of their clients, offer relevant solutions, and ultimately increase their chances of closing deals.

The 20 insurance sales questions presented in this article provide a framework for understanding the specific needs of clients and developing effective sales strategies.

By answering these questions, sales professionals can gain a deeper understanding of their clients' unique situations, identify areas for improvement, and offer targeted solutions that meet their specific needs.

Whether you're a seasoned insurance sales professional or new to the industry, these questions can help you develop a customized approach that maximizes your chances of success.

Remember, success in insurance sales requires a deep understanding of your clients' needs and preferences, as well as a willingness to adapt your approach to meet their changing needs.


Here are some FAQs with answers for insurance sales questions:

Q: What are the most important factors to consider when selling insurance?

A: The most important factors to consider when selling insurance include understanding your client's needs, being knowledgeable about your products, and building trust with your clients.

Q: How can I differentiate myself from other insurance sales professionals?

A: To differentiate yourself from other insurance sales professionals, focus on building strong relationships with your clients, being responsive to their needs, and offering tailored solutions that meet their specific needs.

Q: What are the most common mistakes insurance sales professionals make?

A: Some common mistakes insurance sales professionals make include focusing too much on selling instead of listening to their clients, not being knowledgeable about their products, and not following up with clients after the sale.

Q: How can I improve my sales skills in insurance?

A: To improve your sales skills in insurance, focus on building your product knowledge, practicing active listening, and developing strong communication skills. You can also seek out sales training courses and seek feedback from your clients and colleagues.

Q: What are some effective ways to overcome objections during an insurance sale?

A: Effective ways to overcome objections during an insurance sale include addressing the objection directly, providing additional information to clarify misunderstandings, and offering alternative solutions that meet the client's needs.

A: The most important trends to watch in insurance sales include the increasing use of technology in sales and marketing, the growing importance of customer experience, and the changing regulatory environment.

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Xoxoday Compass Team