# How to Text Insurance Leads: Rules, Timing and Examples > How to text insurance leads: get consent, say who you are, keep it short and ask one question. Timing, examples and the mistakes that get numbers blocked. Canonical page: https://launchautomation.ai/guides/how-to-text-insurance-leads # How to text insurance leads and get a reply. To text insurance leads, get their permission first, say who you are in the first line, keep it to two or three sentences and end with one easy question. Send the first text within a minute of the inquiry. This covers the rules, the timing and examples you can change to fit your voice. - Permission first - Two or three sentences - One easy question ## The short answer. A good text to an insurance lead sounds like a person, not a campaign. It says your name, reminds them what they asked about and asks one question they can answer with a word. Anything longer gets skipped. ## The rules, in plain words. - **Get permission** You need the person's consent to text them, and a record of it. A quote form with clear wording about texts is the usual way. A phone number on a purchased spreadsheet is not consent by itself. - **Say who you are** First line: your name and agency. People delete texts from strangers. - **Give a way out** Tell people they can reply STOP, and honor it right away. - **Register your number** Business texting has to be registered with the carriers or your messages get filtered. On my plans the one-time registration is about $23.50, billed at cost. - **Mind the hours** Stay inside 8 am to 9 pm in the lead's time zone, or tighter if their state says so. ## Example texts. - **New lead, first minute** "Hi Maria, this is Alex with Summit Insurance. I got your request for a term life quote. Is now a good time for a quick call, or is later today better?" - **After a quote** "Hi Maria, Alex here. I sent your quote to your email. Did it come through OK?" More in [insurance quote follow up texts](https://launchautomation.ai/guides/insurance-quote-follow-up-text). - **No reply after two days** "Hi Maria, Alex with Summit Insurance again. Still want help with that life insurance quote, or should I close your file?" - **Missed call** "Hi, this is Alex with Summit Insurance. Sorry I missed your call. How can I help?" See [what to text when you miss a call](https://launchautomation.ai/guides/what-to-text-when-you-miss-a-call). - **Old lead** "Hi Maria, this is Alex with Summit Insurance. You asked about coverage a while back. Are you still looking, or all set?" More in [text scripts to reactivate old insurance leads](https://launchautomation.ai/guides/text-scripts-to-reactivate-old-insurance-leads). ## What gets ignored or blocked. - **Links in the first text** Carriers filter them and people do not trust them. Earn the reply first. - **A wall of words** If it fills the screen, it reads like an ad. - **No name** "Are you still interested in insurance?" from an unknown number looks like spam. - **Pressure** "Rates go up tomorrow" is how people block a number. Ask a question instead. - **Slow replies** If they answer and you take a day, you are back to zero. Send replies to one person who calls back within minutes. ## Where I would be careful. Text only people who gave you permission to text them, keep a record of when and how they gave it, say who you are, and stop the moment someone asks. Medicare and some states add stricter rules. This is general information, not legal advice, so check with your compliance contact before you send anything. ## How I do it. My [Instant Lead Response](https://launchautomation.ai/instant) sends the first text and an email within seconds of every new lead, and [Cold Lead Reactivation](https://launchautomation.ai/cold) texts, emails and leaves voicemails for the list that went quiet. Each is $297 a month. I write the messages for your product and market and handle the carrier registration. Texts are about 2 cents each, billed at cost. You can call or text me at (561) 287-3456. That reaches me, Corey Gray, the owner. ## Questions you may be asking. ### Can insurance agents text leads? Yes, with the lead's consent and a record of it. Say who you are, include an opt-out and honor it. Medicare and some states have stricter rules. ### How soon should I text a new insurance lead? Within a minute. An automatic first text does that for you, and you follow with a call. ### What should the first text to an insurance lead say? Your name and agency, what they asked about, and one easy question, such as whether now or later is better for a call. ### How many texts is too many? Space them out over days, not hours, and stop when someone says no or replies STOP. A short series over a couple of weeks is plenty for most lists. ### Should I put a link in the text? Not in the first one. Links get filtered and look like spam. Send it after they reply. ## Keep reading, or talk to us. - [Instant lead response for insurance agents](https://launchautomation.ai/instant) - [Cold lead reactivation for insurance agencies](https://launchautomation.ai/cold) - [Insurance quote follow up texts](https://launchautomation.ai/guides/insurance-quote-follow-up-text) - [Text scripts to reactivate old insurance leads](https://launchautomation.ai/guides/text-scripts-to-reactivate-old-insurance-leads) - [Best time to call insurance leads](https://launchautomation.ai/guides/best-time-to-call-insurance-leads) - [Browse all Launch Automation guides](https://launchautomation.ai/guides) - [Get a quote](https://launchautomation.ai/quote) Written by Corey Gray, founder of Launch Automation in Boca Raton, Florida. Last updated November 11, 2026. ## Want the texts written and sent for you? Tell me what you sell and where your leads come from, and I will show you what the first week of messages looks like. [Get a quote](https://launchautomation.ai/quote) | Call or text (561) 287-3456