ProducrIQ

For insurance agents

Reaching a client before their policy lapses

This is the one message where urgency is not a technique, it is the fact. Somebody is about to be uninsured and may not know it. Write it so the first eight words do the work, because that is all a lock screen shows.

When to send it

Immediately, and by whichever channel they actually answer. This is a phone call that you follow up in writing, not the other way round.

What it has to do

  • Leads with the consequence and the date. Not the missed payment — the lapse.
  • Gives the exact amount and the fastest way to pay it.
  • Says what happens if it does lapse, honestly, including whether reinstatement is possible.
  • Gives them a way to reach you outside business hours if the deadline is close.

What to avoid

  • Softening it. 'Just a friendly reminder' about a lapse is a disservice — somebody skims it and loses coverage.
  • Implying you can stop the lapse yourself. You usually cannot, and the promise is the thing they will remember afterwards.
  • Sending only an email. If it lapses and your entire effort was one email, that is a conversation you do not want to have.

A worked example

Text
Dana — your auto policy cancels Friday for non-payment. You'd be driving uninsured from Saturday.

$187 brings it current. Fastest is the carrier app, or call me and I'll walk you through it.

If Friday isn't possible, tell me today — there may be options, but not after it cancels.

Richard, The Bass Agency, (770) 555-0134

Names and details here are invented. Written the way an agent would actually send it, not the way a template would.

Writing these every week?

ProducrIQ is a tool a working insurance agent built for his own agency. Describe the situation the way you’d say it to a colleague and it writes the message in your voice, signed by your agency — including this one, under Lapse Prevention.

See how it works

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