What bulk SMS means for an insurance agent<\/h2>\n
Bulk SMS is one text sent to many clients at once, personalized with merge fields such as first name, policy type or renewal date. Agents use it for two kinds of campaigns:<\/p>\n
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- Service campaigns<\/strong>: policy updates, renewal notices, document requests and claim instructions after a storm. Clients expect these.<\/li>\n
- Marketing campaigns<\/strong>: birthday and policy anniversary messages, coverage review invitations and referral requests. These need written consent and an opt-out line every time.<\/li>\n<\/ul>\n
The steps are the same for both. The consent and opt-out rules differ, and step 2 covers that.<\/p>\n
How to send a bulk SMS campaign to insurance clients in 8 steps<\/h2>\n
1. Build the list from your own records<\/h3>\n
Export clients from your agency management system or CRM, not from a spreadsheet someone kept on the side. Keep only mobile numbers, since landlines generally can’t receive texts, and include the fields you will merge: first name, policy type, renewal date, birthday, state.<\/p>\n
Remove anyone who has opted out, and check numbers against the National Do Not Call Registry and your internal DNC list before a campaign. Easify’s list scrubbing checks for mobile numbers and the DNC list, and its API and Zapier integration can pull contacts from your CRM instead of a manual upload.<\/p>\n
2. Confirm consent for this kind of message<\/h3>\n
Consent decides who can be on the list:<\/p>\n
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- Marketing texts<\/strong> (birthday, anniversary review, referral, cross-sell): federal law requires prior express written consent for marketing texts sent with an autodialer, and carriers expect written consent for every marketing text, so get it first. Keep a record of when and how each person agreed.<\/li>\n
- Bought leads<\/strong>: if you buy leads, the consent has to cover texts from your business. Carrier rules (the CTIA Messaging Principles) don’t allow texting purchased, rented or shared lists: you need opt-in your own business collected.<\/li>\n
- Service texts<\/strong> (policy updates, renewals, documents): put “Reply STOP to opt out” in the first text of any recurring program, service texts included.<\/li>\n<\/ul>\n
A simple way to collect consent is a checkbox on your quote form or policy paperwork that names your agency and says what you will text about.<\/p>\n
3. Register your brand and campaign for 10DLC<\/h3>\n
Register your brand and each campaign before you send from a 10-digit number; carriers require it and block unregistered traffic. This is a carrier requirement, not a law, but a bulk send from an unregistered number won’t arrive.<\/p>\n
The registration asks what the campaign is for, how people opt in and what the messages look like. Describe the use case plainly (“policy renewal reminders and coverage review offers for existing clients”) and paste the opt-in wording from your form. Easify offers 10DLC registration support<\/a> (charges apply), and our post on 10DLC registration<\/a> covers the process. If your campaign was rejected before, see common 10DLC registration mistakes<\/a>.<\/p>\n
4. Segment the list<\/h3>\n
One message to the whole book reads like spam and gets more opt-outs. Split it so each text is about the reader’s own policy:<\/p>\n
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- Policy type<\/strong>: auto, home, life, health and commercial clients get different updates.<\/li>\n
- Date<\/strong>: renewal month, birthday month, policy start date.<\/li>\n
- State<\/strong>: needed for time zones and for state rules such as Florida’s (step 6).<\/li>\n
- Status<\/strong>: current clients, lapsed clients and open quotes are separate campaigns.<\/li>\n<\/ul>\n
5. Write the template<\/h3>\n
Good bulk insurance texts follow the same pattern:<\/p>\n
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- Name your agency in the first words, so the client knows who is texting.<\/li>\n
- Use the client’s first name and one policy detail (type or date) from your merge fields.<\/li>\n
- Ask for one action: reply, call, review or upload, with one link.<\/li>\n
- End marketing texts with “Reply STOP to opt out”.<\/li>\n
- Stick to approved wording. Rates, savings and coverage promises in a text are advertising. Use wording the carrier or compliance team has approved.<\/li>\n<\/ul>\n
Keep it to one message where you can; the SMS segment calculator<\/a> shows how many segments a text uses. Save approved wording as SMS templates<\/a> so every agent in the office sends the same version.<\/p>\n
6. Schedule it inside quiet hours<\/h3>\n
Send marketing texts between 8am and 9pm in the recipient’s time zone. Florida limits them to 8am to 8pm and three messages per 24 hours on the same topic. It applies to licensed insurance agents too. Oklahoma has the same limits for telemarketers, but its law exempts licensed insurance agents selling within their license; following the same limits for Oklahoma clients is the safe default.<\/p>\n
Schedule by the client’s state, not your office clock: an 8:30am send from New York reaches a California client at 5:30am, and an 8:30pm send misses Florida’s 8pm cutoff. Easify’s scheduled SMS and MMS<\/a> lets you set the send time for each segment in advance.<\/p>\n
7. Test, send and answer replies<\/h3>\n
Send the campaign to yourself and one colleague first: check the merge fields filled in, the link opens on a phone and the opt-out line is there. Then send.<\/p>\n
Bulk texts to clients get replies (“Can you call me?”, “I already renewed”). Easify supports two-way texting, so replies come back into Easify and its mobile app sends real-time notifications to the agent. Process every STOP and honor an opt-out sent by any reasonable means promptly, and never later than 10 business days.<\/p>\n
8. Measure and adjust<\/h3>\n
Track each campaign in SMS analytics<\/a>: delivered, replies and opt-outs. Then count the outcome you sent it for (renewals completed, documents uploaded, reviews booked) in your agency system. If opt-outs rise, cut frequency or tighten the segment. Change one thing per campaign so you know what worked.<\/p>\n
Send your first insurance bulk SMS campaign with Easify: 7-day free trial, no credit card required.<\/strong><\/a><\/p>\n
Bulk SMS campaigns insurance agents send most<\/h2>\n
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- Date<\/strong>: renewal month, birthday month, policy start date.<\/li>\n
- Bought leads<\/strong>: if you buy leads, the consent has to cover texts from your business. Carrier rules (the CTIA Messaging Principles) don’t allow texting purchased, rented or shared lists: you need opt-in your own business collected.<\/li>\n
- Marketing campaigns<\/strong>: birthday and policy anniversary messages, coverage review invitations and referral requests. These need written consent and an opt-out line every time.<\/li>\n<\/ul>\n
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