Sending Quotes Via E-mail

[Eliel818]

Hi!!

I am a newbie to the forum, I searched through the Forums for this question but did not find it and if there is something similar to this posted already I apologize!!

So I have a question in regards to sending quotes via Email. Our agency is pretty much internet based and telephone. We hardly have clients walk in to purchase insurance!

I like to make everything simple, on outlook I have a lot of signatures saved that I use as "templates" for repetitive questions asked by clients.

When I quote P&C, for example Auto, I attach the proposal but I don't know about you guys, the proposals are LONG and confusing so I also type the information on the body of the email in the simplest way possible but it is time consuming.

Anyone using a easier method?? For example in the body of the email I show premium for monthly pay, annual, semi annual, i show what I need back from them, deductible options, etc.


Any suggestions would help!

Thank you!!

 

[STIBROKER]

tell them what they need to apply for....send rates and app attached sign.....fill out and sign pages 9..12 and 16....usually works.....and fax back to.......or scan in adobe and email back to........

sent this one out today.....

[FONT=&quot]Thanks Scott, I will compare/review this with my wife and will get back with you if we decide to go with you.[/FONT]


[FONT=&quot]From:[/FONT][FONT=&quot] STIBROKER [mailto:STIBROKER@AUSTIN.RR.COM]
Sent: Tuesday, July 12, 2011 12:43 PM
To: xxxxxxxx.com
Subject: Initial Life Quote Request[/FONT]



Ok Patrick here is the break down.....looks Banner is coming in good for you guys......

$500,000 30 year term........

You.... annually is $580....Monthly is $50.75=$609 a year...you save $29 a year and in 30 years save.............$870.00
Wife.. annually is $430....Monthly is $37.63=$451.56 a year...you save $21.56 a year and in 30 years save...$648.80
& nbsp; ------------
you save $1,518.80

...attached is an application and rates ....fill out the application for each of you (if you have a question about what to put down leave blank and I will take care of it) and fax back to 512-258-xxxx ..or scan in PDF and email back....I will fill in any missing info and set up the exam to get this done.....

Scott Thiltgen
512-260-0856
TEXAS LIFE & HEALTH INSURANCE- INSTANT ONLINE RATES AND APPLICATIONS

 

[BTFuzz]

Don't over complicate the email. Keep it simple and don't ask for too much or you'll confuse them. Remember the average consumer has no clue how to decipher insurance lingo.

I send a one page quote sheet in a PDF with the coverages and premium. The rest goes in the body of the email as if I were talking to them face to face. Put a few testimonials on the end, hit the sig button and off she goes. Close a good bit this way.
- - - - - - - - - - - - - - - - - -

sign pages 9..12 and 16....usually works.....and fax back to.......or scan in adobe and email back to........

STI...I think he's talking just quotes here.

 

[STIBROKER]

STI...I think he's talking just quotes here.

yea I know...send your quote with an action to buy........why drag it out and leave doors open......

 

[Guest]

Well, How else will you do some business?

Email is a HUGE portion of business now.

I am actually surprised at how much business I do over Text now!

 

[Chevarian113]

I do a lot of internet leads, which I handle slightly differently than referrals. I will use that as an example to answer this. When i receive HO leads, I call first after reviewing the info and working up a very rough estimate. I usually don't put anything special on the policy, but don't strip it down either. If I do not reach them by phone I take two approaches for three different reasons.

1-I find that there are some people that look at a price and go on. I don't care as much about those, but understand their reason for looking and try to cater to that.

2- I find that there are some people that will read my actual email and make sense of what I write in it. For that, I am descriptive, but not overly.

3- I find that some people want to see all of the details of the quote. They want to know the dwelling, liability, contents, med pay, deductibles, etc.

To cater to this, I send two separate emails. One comes from my actual email (outlook based company email). This email goes something like this-

Mr. ____,

Thank you for your interest... I have received your request and worked up several rough estimates for you to review. Please note, this may not include all eligible discounts and coverages needed, so please contact me to further tailor this policy to your particular situation/ needs. I understand homeowners insurance can be confusing, so I'd like to make this as simple as possible.

I have included a dwelling coverage of ___, as requested (depending on how knowledgeable their request seems, I will sometimes put: I have estimated the rebuild cost of the home to be ____), included an additional 20% of coverage for free, 75% for your personal property, blah blah blah, summarize the coverage in simple words...

For a standalone homeowners policy, your premium would be __$xxx__.

If you elect to include your auto insurance, your premium would be xxx.

Also, if you elect to insure your auto insurance, you are able to reduce your hurricane deductible by half, possibly saving you thousands in the event of major damages (this is specific to my area), which would carry a premium of $xxx.

I have sent you a secondary email which will display the details of coverages in these quotes. Here you can see each policy limitation.

Exit sentence...

Mind you, my wording is much more tactful than this, as it is 9PM and I am rehashing this email off memory.

I DO NOT attach the details to this email. If they read this email through, they will see that they have the opportunity to see the details of the quote. If they don't read the email, and only care about price, the price is in bright red, and the dwelling coverage is highlighted. This jumps off the page for those only looking for that.

I then email the quotes directly from my system as a PDF attachment with a short note signifying this is a rough estimate and to further fine tune, please contact me by email or phone.

I love having two emails hit their inbox at once. Some of these people only look at the PDF and disregard the other. Some read only the prices. Either way, my name is in front of them twice, giving them the option to see price or details at their discretion. I realize that many say you shouldn't always lay your cards out so early in the game, but I've won several people over this way. Most of these people don't want to talk by phone. I call many times to each lead, based on the stature of the home and other information (personal judgement). If I feel it is good business to chase, I try harder and call more, spaced out of course.

I follow up with a second email if I cannot reach them after several attempts. This email is a summary of what to look for when shopping for coverage. I focus on dwelling, deductible explanation (since it's such a varying topic in my area), personal property, and company financial ratings/ customer service.

My third email is a very basic "we haven't heard from you, please respond" type of email.

I hope this is helpful to someone on here. I've adjusted it over the years, but have stayed at this route for a good year or so. It seems to work for the ones that count.

 

[Eliel818]

Thank you guys so much for the suggestions!!

I really really appreciate it!

 

[Pangaea]

Has anyone made a template that they used when responding?

 

[arnguy]

I think I saw some of this stuff in the "Why I Was Banned for 30Days" thread! Good info, though.