Renewal Form – Portal Insurance

Renewal Call form

Your Name(Required)

Your Email(Required)

Customer Name

First Last

Before calling customer pull up their nowcerts account and all of the renewing policies you are doing a review on, including the expiring policy and the renewal ie get your ducks in a row before calling

Policy Number(s)

Carrier (s)

Did they answer?

Did you know we have a commercial division? I would be happy to have one of our specialists take a look? Can you tell me the name of the business and what you do? *pays to sound interested*

Action-Do All Three

Left VM

Text

VM Script Hello, this is _________from ___________. I am the insurance agent on for your "POLICY TYPES" with CARRIER Name and wanted to let you know that I was reviewing your insurance policy and had a few items I wanted to go over with you, this week. Please call me between 9:00am and 3:00pm, this week or email me a me that works to contact you, I can review your op ons with you. Thank you for your business!

Good Morning Mr. or Mrs Last name this is ________ from Portal Insurance or LTN Insurance. I hope you are well today. “I’m calling because your policy name with company name is coming up for renewal and we wanted to make sure we have all the most up-to-date informa on for your protec on and to maximize your discounts.” If now is a good time we can run through it really quick or if not I can schedule something at a later date" (if they want to schedule at a later date but that info below)

Email **Dont ask for the below information, instead have the file pulled up in nowcerts and recite what you have and confirm it**“Ok, let’s get started. I only need a few minutes. Is this the best number to reach you? Is this the best email address for you? Can you confirm this is your mailing address? In the event we need to reach you, what’s the best secondary phone number and email address?”

Phone

DL#

Mailing Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code

Home Deds: If you had a wind claim whats the highest deductible you would be comfortable with?, your Current Wind Deductible is X (dollar amount), your non wind deductible is X, are you good with these or do you want to look at some possible adjustments?

**ONLY ask this question if the client has comprehensive and collission on the vehilce** Auto deds: If you had an at fault accident whats the highest deductible you would be comfortable with? Ok the other deductible on your policy is your comprehensive deductible, comprehensive is for things like hitting an animal, something flying in the air hitting your car, glass breakage etc. if this were to happen what would be the highest deductible you would be comfortable with? your Current collission deductible is X (dollar amount), your current collission deductible is X are you good with these or do you want to look at some possible adjustments?

“Tell me, what do you do for a living? This might help find potential discounts. *After they answer*Do you have a home-based business? Are you driving for Uber, Lyft or any delivery service? Or have recently changed jobs?

Do you own any businesses? (obvi if they told you about it above just mark this yes)

**If there are other people** on any of the policies: Does anyone besides (LIST THEM OUT) live in the household? *If noone else listed on any of the policies* Does anyone besides you live in the household? Do you have any youthful drivers or children? When will they be of driving age?

Have you purchased any new toys like boats, RV's, ATV, Motorcyle or golf cart?

Ok great! I am happy to give you a quote on that as well. It will save you to have everything in one place and make things easier when you have a claim. **take the info down below**

“Have you made any improvements to your home in the last 5 years? Such as security system, updated roofs, HVAC, Electrical, plumbing, trampolines, pools or garages?”

Roof Year

HVAC Year

Plumbing Year

Electrical Year

Trampoline added (yes or no)

Pool added (yes or no)

Garages (yes or no)

“Do you have any other properties, or do you ever rent your home out?” **if yes** oh thats great, we would be happy to take a look at those as well, it will help you to have all your insurance in one place and worst case we can keep your current agent honest.

Do you own any Jewelry or valuable items you would like to insure?

Yes

Great we can take a look at that, what do you own and whats the estimated value **once you take it down let them know you will circle back on this**

Do you have any pets in the home and if so what's their breed? **if they answer yes** What's their name (in an interested tone)? **feel free to add comments about your own pets, send shelby a note and we will mail them a gift for their pet**

**If you see a mortgagee clause** Is X company still your mortgage company? **if you dont see a mortgage company** Do you have a mortagage on your home? If so whos your current mortgage co? *take the info down below**

Internal ? Are you reccomending a reshop?

"Ok now that we are finishing up lets get to the important stuff, One thing that makes Portal different is we are a true independent agency, which means we work for you not the insurance carrier, we contract with every insurance carrier in the market so we can always give you the best coverage at the lowest price, you are always going to get that here. That being said, I have reviewed your renewal info and believe there may be a better option for you, does that sound like something you would want to explore?"

"Ok now that we are finishing up lets get to the important stuff, One thing that makes portal different is we are a true independent agency, which means we work for you and not the insurance carrier, we contract with every available insurance carrier in the market so we can always give you the best coverage at the lowest price. That being said, I have reviewed your renewal info and believe its in your best interest to stay with your current carrier, (if you have reasons why say them here), but here is what i can do, I will monitor the markets throughout the next year, if anything better comes availabe i will be in touch to look at that with you, worse case scenario we can go through this same process next year and see if theres something better out there since rates are changing all the time" How does that sound "Are they cool with it or do they still want to look at options

“Ok before we begin the process, If we do find another option they will send an inspector to your home to review the property. Any recommendations they make you will have to complete to ensure they keep the policy in force. This could be as small as a bit of paint or as big as a new roof, is there anything going on maintenance wise like this?”

Ok, in that case i might recommend staying with your current carrier since there is a policy in force and you can avoid the inspection, that being said we could still take a shot with a new carrier and see what they say"

Next steps: Either confirm the date, time and person that will be back in touch with them on the new quote OR go ahead and go over it with them if you already have it. ALSO confirm and suggestions or potential quotes/followups from the answers to the questions above.

“One more thing, I want to let you know how much we appreciate your business. We know you have insurance choices, so if you ever need anything be sure to call us first so we can take care of you and also We love helping people just like you, if you know anyone who needs help with their insurance please have them call me.”

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