Start here — the whole thing in four steps
If you read nothing else on this page, read this. It is the entire workflow, and steps 2 and 4 are the two people most often miss.
Type it the way you'd say it out loud — “rate increase”, “declination”, “needs roof photos”. Results filter as you type. No folders to open.
Tip: Nothing found? Check the P&C / Life & Health switch above the search box — you may be looking at the other library.
The whole row is a button. Opening it shows the full wording and, on the detailed proposals, the builder underneath.
Tip: The Copy button works without opening the card — but you'll be sending the template untouched, brackets and all.
Anything in [BRACKETS] is yours to replace. Type your agency details into the Personalize bar once and they fill in everywhere, on every template, from then on.
Tip: Your details are saved to your browser, so you only do this once.
Press Copy. Go to Outlook or Gmail, start a new message, click into the body and paste. The subject line comes across too — paste it into the subject box.
Tip: It pastes with real headings, bullets and green checkmarks in Outlook and Gmail, not as plain text.
What's inside your account
Everything a P&C agent needs to say — written and ready. Here's what each part is, and how to use it.
Emails & Texts
New content added monthlyWhat it is: 169 ready-to-send emails and texts covering every stage of the sale — new leads, quote follow-ups, binding & documents, payments, policy service, renewals, cross-sell, win-backs, and an E&O Documentation set that creates a written record when a client declines coverage or chooses lower limits — plus 5 signable PDF declination forms (flood, earthquake, ordinance or law, umbrella, and property coverage for GL-only clients).
How to use it: Search what's happening, click Copy (or Download PDF for a form), swap the amber [HIGHLIGHTED] fields for your client's details, and send.
Reference Library
New content added monthlyWhat it is: 95+ plain-English explainers on the things clients and new staff ask about — CG2010 vs CG2011, DP1 vs DP3, occurrence vs claims-made, additional insured, surety bonds, garagekeepers, and more. Each one is tagged by line of business: Sales, Personal Lines, Commercial Lines, Surety Bonds, Virtual Assistant.
How to use it: Search the topic or filter by line of business, open the explainer, and use it to answer the question — or copy the explanation and send it to your client.
Scripts & Talk Tracks
New content added monthlyWhat it is: Two different things, and most agents only find the first. 100+ word-for-word CALL GUIDES — intake questions for auto, home and commercial, objection handling, and closes. Plus 31 TALK TRACKS: how to explain one subject a client just asked about, in plain language, with the pushback you'll get. "Why did my rate go up with no claims." "Why do I need Med Pay if I have liability." "What that premium audit bill actually is."
How to use it: Filter by what you need — questions to ask, how to explain something, or an objection. A talk track isn't only for the phone: it's the words for the subject, so use it on a call, paste it into an email, or read it before a meeting. (Reference is different: that's what YOU need to understand. A talk track is what you SAY to the client.)
Using it, step by step
Pick your lines first — P&C or Life, Health & Medicare
At the top of both the Templates and Scripts & Talk Tracks pages there's a two-sided switch: Property & Casualty or Life, Health & Medicare. The highlighted side — the one on the white background — is the side you're currently looking at. Click the other side to switch to it.
This is deliberately kept separate. Most agents sell one or the other, and mixing a Medicare annual-enrollment script into a commercial GL renewal search just gets in your way. So the switch swaps the whole library rather than filtering it — the category pills underneath narrow things down within whichever side you've chosen.
Your choice is remembered in your browser, so you set it once and every visit afterward opens on the right side. If a search turns up nothing you expected, check this switch first — you may be looking at the other library.
Which lines do you sell?
Search for your situation in plain words
Know the template by its color
Quote Follow-Up — 1st Attempt
Hi [CLIENT FIRST NAME], I wanted to make sure you received the quote I sent over for your [LINE OF BUSINESS] coverage…
Personalize once, then copy and send
Open the amber Personalize bar at the top of the Templates page and enter your agency name, your name, phone, and email once — it's saved in your browser, so you only do this the first time. From then on, those fields fill in automatically everywhere they're highlighted in amber, before you even click Copy.
- Agency name, your name, phone, and email — fill in once, saved for next time.
- Client name — add it for this message only; it's not saved, since it changes every time.
- Everything else highlighted — things like [CARRIER] or [EXPIRATION DATE] — swap those in by hand.
Hit Copy and the personalized version — subject line included — goes straight to your clipboard, ready to paste into your email or phone. Give it a final read for your state and situation, and send. That's the whole loop, usually under 30 seconds.
Use the Reference library to answer questions
Compare Additional Insured — CG2010 vs CG2011
The CG 2010 and CG 2011 are both endorsements used to add additional insureds, but they differ in scope…
Using a detailed quote form, step by step
General liability, commercial auto, builders risk, workers' comp and the seasonal trades all use the same builder. Learn it once and every one of them works the same way.
In the results, a proposal carries an amber PROPOSAL tag next to the blue EMAIL tag. A plain email is tagged QUICK. If it says PROPOSAL there is a builder inside it.
One dropdown fills the entire limits table — general aggregate, each occurrence, products/completed ops, personal & advertising injury, damage to premises, medical expense and the deductible. Pick Custom to type each one yourself.
Every section of the proposal is a checkbox. Turn off the limits table entirely if you're attaching the carrier quote instead. Turn off commercial auto if they have none. The wording disappears with the tick — you never delete paragraphs by hand.
Under WHAT THIS QUOTE INCLUDES, tick blanket additional insureds, waiver of subrogation, certificate within 24 hours, and the rest. Each becomes a green checkmark line in the email.
Careful: These all start switched OFF on purpose. They are claims about a specific carrier quote — check them against the quote in front of you before ticking.
Classification, Estimated Total Due to Purchase, and the policy period. On the seasonal forms there's also a maximum working height, with its own checkbox to remove every mention of height if it doesn't apply.
Same as any other template. Your limits package and section choices are remembered for next time, so the second proposal takes seconds.
Watch one build itself
The long-form proposals come with a builder. Pick your limits package once and it's remembered; tick only the sections that apply to this account, and add plain-English coverage explanations when the client needs them. Watch it run:
Build this proposal
The email your client gets
GENERAL LIABILITY — INCLUDED IN THIS QUOTE
Classification: …
Estimated Total Due: …
PROPOSED LIMITS OF LIABILITY
General Aggregate: —
Each Occurrence: —
Products / Completed Ops: —
Personal & Advertising Injury: —
Damage to Premises: —
Medical Expense: —
Deductible per claim: —
…plus policy terms, next steps, and the disclaimer.
Pick a limits package and all seven lines fill at once. Untick a section and it leaves the email — no deleting paragraphs by hand and hoping you got them all.
Build this proposal
The email your client gets
COMMERCIAL AUTO — INCLUDED IN THIS QUOTE
Vehicles on the policy: …
Estimated Total Due: …
PROPOSED LIMITS OF LIABILITY
Combined Single Limit: —
Uninsured / Underinsured: —
Medical Payments: —
Comprehensive deductible: —
Collision deductible: —
…plus policy terms, next steps, and the disclaimer.
Pick a limits package and all seven lines fill at once. Untick a section and it leaves the email — no deleting paragraphs by hand and hoping you got them all.
Tips from working agents
- Use the follow-up sequences in order. 1st attempt is friendly, 2nd adds urgency, the final attempt is a polite breakup. Skipping straight to urgency burns leads.
- Texts get read; emails get saved. Use texts for speed ("did you get my email?"), emails for anything you may need a record of.
- The E&O Documentation templates are your paper trail. When a client declines coverage or chooses lower limits, send the confirmation email the same day. Keep the sent copy.
- Train new hires with Reference. Point a new CSR at the reference library on day one — it's the fastest way to get consistent, correct answers out of your whole team.
- Can't find what you need? Use Request a Template (top of the library) — the most-requested wording gets added.