When clients come to you, they usually ask the basics: “How much does it cost?” or “Am I covered for this?”
However, the most important conversations happen when you help them ask questions they never thought of. By teaching your clients to flip the script and consider the “what ifs,” you’ll uncover coverage gaps, save them money and build trust that keeps them coming back.
Use “what if” scenarios to uncover blind spots
Clients often assume they’re covered until something happens. Prompting them with simple scenarios makes coverage feel real, not abstract. Examples include:
- What if your neighbor’s tree falls on your car—whose insurance pays?
- What if your child injures someone during a football game—does your policy step in?
- What if you rented a car on vacation—would your auto insurance cover you?
Here’s a sample email you can send right now:
Subject: What if…?
Hi, [First name],
Insurance surprises are rarely good ones. That’s why I like to ask clients a few “what if” questions:
- What if your basement floods—would your policy cover it?
- What if your dog bit someone at the park—what would happen next?
- What if you rented a car on vacation—are you already covered?
If you’d like to talk through these what-ifs, or any other questions, let’s set up a quick review.
Best,
[Your signature]
Teach clients how to save without cutting coverage
Coverage isn’t just about protection—it’s also about value. Help your clients ask:
- What if I raise my deductible slightly—how much would I save?
- What if I bundle my auto and home—what discounts are available?
- What if I install a home security system or smart smoke detectors?
Here’s an email template that makes it easy:
Subject: Simple questions that can save you money
Hi, [First name],
Sometimes the right question can unlock hidden savings. For example:
- What if you bundled your auto and home?
- What if you raised your deductible a little?
- What if you installed a home security system?
Want me to walk you through your options? A quick review can help make sure you’re not missing out.
Best,
[Your signature]
Help clients self-audit their coverage
It’s not always about what you ask your clients—it’s also about teaching them to ask themselves:
- Do I know whether my home is insured for replacement cost or actual cash value?
- Am I comfortable with my deductible if something big happens tomorrow?
- Do I have enough liability coverage if someone sues me?
- Have I updated my agent about new risks like a pool, remodel or side business?
Here’s an example email for a checkup:
Subject: When was your last coverage checkup?
Hi, [First name],
Life changes quickly. A new remodel, a pool, even a side business can change your coverage needs. Here are a few questions to ask yourself:
- Do I know if my home is insured for replacement cost or cash value?
- Am I comfortable with my deductible if something big happens?
- Have I told my agent about new risks at home or work?
If it’s been more than a year since your last review, let’s connect. Asking these questions now can save you stress later.
Best,
[Your signature]
How ClientCircle can help
The good news is you don’t have to handle all this by yourself.
Instead of trying to remember every reminder, you can lean on automation to keep conversations flowing, share helpful content and add a personal touch when it matters most. That way, your clients feel cared for and you get more time back in your day.
ClientCircle offers features to help you stay on top of these questions including:
- Journeys: Helps you stay ahead by sending the right reminders and “what if” prompts automatically, so important conversations never slip through the cracks. Add automatic task reminders for your team so they can follow-up with clients as needed.
- Client Connect: Makes it simple to share helpful articles that explain savings opportunities or coverage tips in plain language.
- Handwritten cards: Give you a personal way to celebrate milestones or check in after big life changes—small touches that leave a lasting impression.
- Letters: Best for detailed updates like renewals, policy changes or claims follow-ups. Branded and personalized, mailed for you by ClientCircle.
- Postcards: Great for quick, eye-catching touchpoints like promotions, reminders or invites. Printed on sturdy 6x9 cardstock and mailed first-class with ease.
Using these tools can help you build trust, reduce surprises and strengthen retention—without adding more to your workload.