Guides for insurance agents

The messages that are hard to write — a denial, a rate increase, a non-renewal, the life insurance conversation. Each one has a worked example you can adapt, and a short note on what to avoid, which is usually the useful part.

Written by Richard Bass, a working independent insurance agent who built ProducrIQ for his own agency.

• The renewal reminder email that starts a conversation

  What to send 30 to 60 days before a policy renews, so the client replies instead of filing it. With a worked example.

• What to write when a claim is denied

  How to tell a client their claim was denied without losing them — what to explain, what not to promise, and a worked example.

• Telling a client their rate went up

  The email that keeps a client through a rate increase: what to explain, what not to blame, and a worked example.

• Following up on a quote without nagging

  What to send when a quote goes quiet — one message that gets an answer either way, with a worked example.

• Thanking someone who sent you a referral

  The note that makes a referral partner send you a second one. What to say, what not to offer, and a worked example.

• Reaching a client before their policy lapses

  What to send when a payment is missed and coverage is about to stop. Urgency without panic, and a worked example.

• The welcome message after a policy binds

  What to send a new client in the first 48 hours — the message that sets up every renewal after it. With an example.

• Winning back a client who left

  How to approach a client who went elsewhere, without sounding bitter or desperate. With a worked example.

• Asking an auto client about their home

  How to raise a second line without it reading as a sales call, and a worked example you can send today.

• Starting the life insurance conversation

  How to raise life insurance with a P&C client without it getting weird. What to say, what to never say, and an example.

• Asking a client for a Google review

  When to ask, how to ask, and the message that actually gets a review written. With a worked example.

• When the carrier won't renew

  How to tell a client their carrier is non-renewing them, and keep them as a client. With a worked example.