A Few Tips to Help Sell Insurance Coverage to Different Generations

Sell insurance coverage to different generations and not remain loyal to a single generation. Insurance agents need to make the most of the opportunity laid out for them. Although the baby boomers and generation x are the prime prospects, the future is the millennials and generation z. The advancement of technology has distinctively changed the lifestyle, behavior, and perception of the different generations over the decades. They are altering their ideas and mindsets. While the older generation has patience and prefers direct communication, the younger generation is hasty and dependent on digital services.

How to prepare for every generation to sell insurance coverage?

It may seem like a tedious learning process, and sticking to a single niche may make more sense. However, this is not true every time, and understanding every generation’s nurture could play a significant role in helping sell insurance coverage. To understand the nurture, we go through the most distinctive or revolutionizing change in a certain era, and although not true for every individual, they provide a highly accurate estimate.

Here are the various generations and the changes that have shaped their lives –

  • Silent generation — Born in a surrounding that was altered by war and chaos, technology did not influence them. They considered radios to be advance and prefer direct communication over any other medium. A respectful tone with a business-like appearance and exclusive discounts can help sell insurance coverage to these generations.
  • The baby boomers and the generation-x — spent most of their time outdoors and are very good at communication skills. Born during the time technology started advancing, they barely missed the internet. Although not inclined towards technology, they occasionally use it, so websites must be easy to navigate. However, direct communication is recommended to sell insurance coverage backed up by hard facts and proper protocols.
  • The millennials and the generation-z — were born during the times’ technology began its exponential advancement, and the internet was introduced. This led them to depend on technology and online services. They are accustomed to quick and instant services and are not used to waiting around. Furthermore, they rely heavily on customer service and rate products and services accordingly. Entrepreneur states that millennials are accustomed to research products online before making a purchase. Although student loans and the generation z burden, the millennials are just crossing their teenage. They will soon seek to provide coverages for what holds dear to them. According to Mckinsey, Gen-Z is the true digital natives and have been exposed to technology since early youth. Staying updated with technology and providing guidance at an early stage is the key to sell insurance coverage to them.

These are only guidelines, and there could be a few who grew up differently. However, these are changes that impacted a generation as a whole and are next to accurate estimates. Following these guidelines can help insurance agents sell insurance coverage with more ease. Knowing and understanding your audience can help an agent thrive in the long run. The tactics that may seem a guaranteed catch for the older generation could not be as attractive to the younger ones, so agents must focus on being versatile and experiment with various marketing strategies to produce the best results.




Agency Height is an insurance blog that offers insurance agents content about the insights and queries of the industry to make their work more efficient.

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Agency Height

Agency Height

Agency Height is an insurance blog that offers insurance agents content about the insights and queries of the industry to make their work more efficient.

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