Insurance Sales Agent (Life & Health) — On-the-job English
Study in your language — but on the job you'll speak English. These are the real phrases you actually say for this work, with a note in your language. Not a script; common situations workers report.
On a sales call: needs conversation, disclosure, and a soft close
Thanks for taking my call — is now still a good time to go over your coverage options?
A polite opening that confirms consent to continue.
To recommend the right plan, may I ask a few questions about your family, your income, and your health?
Opening the needs conversation — the core of an honest sale.
I want to be clear about what this policy does NOT cover, so there are no surprises later.
Stating exclusions plainly is both good practice and a compliance duty.
The premium is $X a month, and it's important that you keep it active — if the policy lapses early, it can affect your coverage.
Persistency talk protects the client's coverage AND your commission from an early-lapse chargeback.
There's no pressure — take the night to think it over, and I'll follow up tomorrow.
An honest, low-pressure close; respecting the customer builds the trust that referrals come from.