Nobody wakes up thinking, “Aaj insurance lene ka hai,” let us face it. It is not a rash purchase like a new phone or a pair of sneakers. It is one of those mature things that you know you ought to do but, for some reason, never do.
Consider Darsh, a typical Mumbai man. Life occurs, even though he has been wanting to purchase. He visits the webpage, begins entering information, and then—BOOM.
FORMS UNCLEAR. JARGON-FILLED WORDS. NO CLARIFICATION.
It seems like writing a UPSC exam now, even though it just took five minutes. He closes the tab in frustration. “Dekhte hai baad mein.” He never returns, spoiler alert.
And 70% of people who purchase insurance do just that—they begin, become perplexed, and then stop.
However, why? More importantly, how can it be fixed?
Where Buyers Leave ase term insurance for months. He comes upon an advertisement one day while browsing Instagram.
“Just ₹499 per month including ₹1 crore cover.” Protect Your Family Right Now!
Rahul clicks, thinking, “Lena toh hai hi, dekhte hai kya hai, chalo.” and What is Wrong
1.”Insurance Bhasha” Kya Bol Raha Hai Bhai, Arre?
The majority of insurance websites seem to have been authored by a lawyer.
- Instead of Paisa jo milega, used “Sum Assured.”
- “Premium Riders” are added in place of extra perks.
- Instead of Kitna khud bharna padega pehle, used “Deductibles.”
Why would someone believe anything if they are unable to grasp it?
Fix: Talk like a human, not a legal contract. Keep it simple. Keep it real.
2.The Form Takes More Time Than a Train Trip
Consider yourself in a dining establishment. When you place your dosa order, the waiter inquires:
- Birth certificate, please, sir!.
- Do you have an Aadhaar card?
- Address evidence lagega for the last panch saal ka.
You are just thinking, “Bhai, rehne de,” by this point. Jaata hoon, chai pi ke.
Customers feel precisely that way when they encounter an endless insurance form.
Fix: Just ask for your name, age, and phone number at first. Allow them to proceed swiftly. After they are involved, gather the remaining ones.
3.”Has Raha Hai Kya Sach Bol?” Without Trust, No Sale
Insurance is not blindly trusted by Indians. They have heard terrifying tales:
- Policy liya, ho gaya claim reject.
- concealed fees.
- Phone customer service uthata hi nahi hai.
They will not purchase if they do not trust the procedure. Simple.
Fix:
Display authentic testimonies Satisfied clients, actual claims settled.
Emphasize the claim settlement ratios; for example, “96% of claims settled in 7 days” is more effective than lengthy paragraphs.
No hidden costs: If there is a fee, state it clearly.
4. No Personalization – “Mujhe Kya Milega?”
A 25-year-old IT guy and a 40-year-old business owner don’t need the same insurance plan. But most websites show them the same options.
Fix:
- Use smart quizzes to recommend the right plans.
- Ask simple questions like “What’s your life goal?” and tailor suggestions.
- Make it feel custom-made, not like a generic template.
5. “Ek Chhota Doubt Hai…” – But No One to Answer
Rahul had one small question: “Can I increase my cover later?”
But the website had:
- No chat support
- No instant answers
- No human touch
Guess what? He got stuck and left.
Fix:
- Add WhatsApp support – Simple, quick, and everyone already uses it.
- Live chat – If someone has a question, answer it right there.
6. Follow-Up Strategy – Either Annoying or Non-Existent
Some insurance brands go full FBI mode—
- 10 missed calls
- Spam emails
- “Sir, buy today” messages every hour
Others don’t even bother following up. Both are bad.
Fix:
- Use WhatsApp nudges instead of aggressive calls.
- Personalized reminders: “Hey Rahul, your policy is 90% done! Just one last step.”
- Keep it friendly, not forceful.
How Grow Digit Fixed It
At Grow Digit, we didn’t just tweak things—we flipped the script.
✅ Cut the jargon, made it real – We rewrote everything in everyday language. Insurance that sounds like a conversation, not a textbook.
✅ Simplified the process – No 10-page forms. Just three quick steps to get started.
✅ Built trust upfront – We added real success stories, transparent pricing, and a clear claim process. No hidden surprises.
✅ Personalized experience – AI-driven recommendations so buyers feel like they’re getting the right plan, not a random one.
✅ Instant support on WhatsApp – Got a question? Get an answer in minutes, not days.
✅ Smart follow-ups, no spamming – WhatsApp reminders, not 10 phone calls.
Result? Fewer drop-offs, more conversions, and happier customers.
Final Thoughts
Insurance should be easy, not exhausting. If Rahul had landed on a website that spoke his language, made things simple, and answered his questions right away, he would have bought the policy then and there.
And that’s exactly what Grow Digit helped insurance brands do.
So, if you’re an insurance provider thinking, “Mera conversion rate kyun low hai?”, it’s time for a real fix.
Let’s talk.
