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Does your frequent agent-client communication add value to the customer experience?

When discussing the success of any relationship, whether it’s friendship, romantic connections, family, business relationships, etc., healthy communication is one of the most talked about components for a lasting, secure relationship.


Another critical element that’s not spoken of as often is a mutual benefit - is the relationship serving both parties in the way they need and expect?


Your relationships between yourself and your clients aren’t much different from other types of relationships in these aspects.


There should be a mutual benefit for both parties and clear, healthy communication.


Mutual Benefit


Because insurance isn’t a tangible product, insurance customers sometimes don’t recognize the value until a loss occurs.


When buying insurance, it’s easy to get caught up in the cost when you haven’t had to experience the benefits of having your assets covered.


Two people shake hands.

This often puts consumers in the mindset of finding the cheapest coverage possible (which doesn’t put you, the agent, in the best position to help them out).

Despite that, there is a product that you can surely deliver without the client having to go through a loss: the customer experience.


You can show them the value of your relationship by providing them with a convenient, secure customer experience and peace of mind.


Communication plays a few different roles in the customer experience:

  • Establishes expectations

  • Deepens/strengthens the bond

  • Ensures that you’re on the same page throughout the partnership

  • Resolves any issues as needed

  • Presents growth opportunities such as referrals and up-sells

  • Gives clients value that they can see, feel, and experience


Can you over-communicate with your clients?


In some types of relationships, over-communication is better than under-communication.


However, excessive communication without any perceived value can diminish your customer relationships.


The last thing you want is for your clients to think you don’t respect their time.


So, how much is too much?


I don’t have a specific number of times you should or shouldn’t reach out to your customers.


But I’ve got a question you can ask yourself when it comes to the frequency, context, and style of your communication with your customers -


Does this specific communication add value to your customer’s experience?


If it adds value, awesome!


If not, take a look at things and adjust as needed.


Maybe a different kind of message would add value, or perhaps you need to communicate the same message at a different time or through another channel for it to add value to the customer experience.


Insurance agent talking on the phone with a client.

What are some of the things you should have open communication about with your customers?


Here’s a list of examples:

  • Life changes that could affect their risk and current coverage

  • When you get discounts for them

    • Sure, discounts help your customers, but their perceived value stays the same if they don’t know that you got it for them.

  • Renewals & premium changes

  • Policy-specific re-writes/changes

  • Policy-specific educational content

  • Safe driving practices

  • Taking care of their home in specific weather conditions

  • Season-specific news that’s relevant to them/their policies

  • Personal well wishes (think birthdays, anniversaries, etc.)

    • These add a friendly touch to the experience and can help remind them that you’re there for them.


Channels of Communication


When looking at the above list of things that you should communicate with your customers, one specific method of communication might come to mind most: phone calls.

Phone calls have been and still are an effective channel of communication; however, remember that there are many other effective methods to connect with your customers.


Here’s a list of just some of the different channels:

  • Phone calls

  • Texts

  • Emails

  • Direct mail

  • Social media

  • Blog posts/articles

  • In-person customer insurance review meetings


In this business type of relationship, where your customers are paying you for a service, you must communicate with them in the ways they prefer.


Insurance client receives a reminder text about her upcoming appointment with her agent.

When onboarding new customers, ask them how they prefer you to contact them.



Share your social media pages with them so they can choose whether or not to follow and receive general updates that way.


If you haven’t already, you’ll find that phone calls are best for some communications, like scheduling customer insurance review appointments (FFRs, PPRs, IFRs, Simple Conversations, etc.).


A heads-up text or email a week before you call to schedule an appointment could also increase their likelihood of scheduling since they’ll now be expecting the call.


Other communication topics like educational content might be better received through an email newsletter to specific types of customers or even a social media post.


Insurance agent meets with a couple to update their policies with their life changes.

An in-person/virtual appointment is a great time to get updated on life changes and new potential risks.



Know Your Customers


Each agency is unique. Each book of business is unique.

And ultimately, you know your customers best.


Knowing how they want you to contact them is vital to the relationship and your agency’s long-term success.



What success has your agency found by having these different channels of communication open with your clients? Let us know in the comments; we’d love to hear what you have to say!

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