A predictive dialer for health insurance agents
How health insurance agents use a predictive dialer to work quote leads, aged leads and renewals: list setup, scripts, calling hours, compliance and costs.
·3 min read
Published by Text2Sale · Updated . Product questions or corrections: support@text2sale.com.
Health insurance sales run on phone conversations. A prospect who filled out a quote form wants answers about premiums, networks and subsidies, and the agent who gets them on the phone first usually writes the policy.
The challenge is reaching them. Quote leads are shared, aged leads stop answering, and agents can spend most of the day listening to rings. A predictive dialer turns that time into conversations.
Which lists to dial
Fresh quote leads deserve an immediate call on a single line so none are abandoned. Aged leads, past applicants who never enrolled and last year's clients due for a review are where predictive dialing pays off, because answer rates are low and lists are long.
In Text2Sale you pick exactly what to dial each session: one uploaded CSV file, a campaign list, or all your leads.
Open the call well
When the dialer connects you, you hear a soft beep and the lead's name, location and quote details appear on screen. Use them in your first sentence: who you are, why you are calling, and a question. 'Hi Dana, this is Sarah with Johnson Health Quotes. You asked about coverage for your family in Tampa. Do you have two minutes to look at options?'
Respect calling hours and consent
Leads span time zones. Text2Sale only dials each lead between 8 a.m. and 8 p.m. in their own state's time zone, skips anyone marked Do Not Call, and does not redial anyone it called in the last 24 hours. You are still responsible for having consent to call your leads and for scrubbing purchased lists against the National Do Not Call Registry.
Medicare is different. CMS rules restrict unsolicited calls about Medicare Advantage and Part D plans, so do not run Medicare prospects through a cold-calling campaign.
What it costs
The Dialer plan is $89.99 per month (Complete, with texting, is $119.99). Outbound calls are $0.025 per minute, billed per started minute from your prepaid wallet. A thousand dials that reach a person about 10% of the time, with five-minute conversations, come to roughly 500 billed conversation minutes, about $12.50 to $15 in calling; voicemail and other connected calls can add to that.
Key takeaways
- →Use single-line dialing for fresh quote leads and predictive dialing for aged lists.
- →Open with the lead's name, location and reason for the call.
- →Calling hours, Do Not Call and 24-hour redial gaps are enforced per lead.
- →Keep Medicare prospects out of cold-calling campaigns.
Put this into practice with Text2Sale
Import leads, create follow-up campaigns, organize replies, and connect texting, calling, and appointments in one workspace.
Frequently asked questions
Can I also text these leads?
Yes. Text2Sale started as a texting CRM, so calls, texts and replies sit on the same contact record. A text after a missed call is a cheap second touch.
What happens when a lead calls back?
Calls to your business numbers can be answered by your AI receptionist, forwarded to your cell or rung on your browser phone.