5 Great Insurance Renewal Email Templates To Copy & Paste

It’s that time again—insurance renewal season. These emails are your direct line to keeping clients, so making them count is key.

Starting with a template is the simplest way to craft a message that’s both professional and polished. Here are five types of renewal emails to inspire your next send.

Tips for Writing Insurance Renewal Emails

• Get personal. Go beyond just using their first name. Reference their specific policy—like “your auto policy for the Ford F-150”—to show you know who they are. It’s a small touch that makes a big difference.
• Be upfront about changes. If the premium or coverage has shifted, state it clearly. Use a simple bulleted list to highlight what’s different from last year. Transparency builds trust and heads off confusion.
• Remind them of the value. Don't just send a bill. Briefly connect the policy to the peace of mind it provides. A simple sentence reminding them what they’re protected against reframes the cost as a worthwhile investment.
• Make the next step obvious. Tell your client exactly what you need them to do. Whether it’s “Click here to renew” or “Schedule a policy review,” use a clear call to action so they know precisely how to proceed.
• Time it right. Send the first renewal email 60-90 days out, with a planned follow-up as the expiration date nears. This helps clients avoid a lapse in coverage and shows you’re looking out for them.

Types of Insurance Renewal Email Templates We Will Cover

1. Policy Renewal Reminder Email Template
2. Renewal Confirmation Email Template
3. Renewal Discount Offer Email Template
4. Expiring Policy Alert Email Template
5. Renewal Process Guide Email Template

5 Insurance Renewal Email Templates

1) Policy Renewal Reminder Email Template

<template>

Subject: Action Required: Your Policy [*Policy Number*] Renews Soon

Hi [*Client Name*],

This is a reminder that your [*Policy Type*] policy, number [*Policy Number*], is set to expire on [*Expiration Date*].

To keep your coverage active, please review the attached renewal documents. They outline your coverage and premium for the upcoming year.

Renewing is simple. You can complete the process online through this link: [*Renewal Link*]. If you have any questions or would like to discuss your policy, please reply to this email or call us at [*Your Phone Number*].

We recommend renewing before [*Expiration Date*] to ensure there is no lapse in your coverage.

All the best,

[*Your Name*]

[*Your Title*]

[*Insurance Agency Name*]

[*Your Phone Number*]

</template>

2) Renewal Confirmation Email Template

<template>

Subject: Your [*Policy Type*] Policy is Renewed!

Hi [*Client Name*],

Great news—your [*Policy Type*] policy, number [*Policy Number*], has been successfully renewed. Your coverage is active through [*New Expiration Date*].

We’ve attached your updated policy documents for your records. They reflect your continued coverage and premium details.

No further action is needed from you at this time. If you have any questions about your policy or need to make changes, please don’t hesitate to reach out.

Best,

[*Your Name*]

[*Your Title*]

[*Insurance Agency Name*]

[*Your Phone Number*]

</template>

3) Renewal Discount Offer Email Template

<template>

Subject: A Thank You Offer on Your Upcoming Renewal

Hi [*Client Name*],

Your [*Policy Type*] policy, number [*Policy Number*], is scheduled for renewal on [*Expiration Date*].

To thank you for your loyalty, we’re pleased to offer you a [*Discount Percentage or Amount*] discount on your premium for the upcoming year. This has already been applied to your renewal terms.

To accept this offer and continue your coverage, simply follow this link to finalize your renewal: [*Renewal Link*].

If you have any questions about your policy or this offer, please reply to this email or call us directly at [*Your Phone Number*].

We appreciate your business.

[*Your Name*]

[*Your Title*]

[*Insurance Agency Name*]

[*Your Phone Number*]

</template>

4) Expiring Policy Alert Email Template

<template>

Subject: URGENT: Your [*Policy Type*] Policy Expires Today

Hi [*Client Name*],

This is a final reminder that your [*Policy Type*] policy, number [*Policy Number*], expires today, [*Expiration Date*].

To avoid a lapse in your coverage, immediate action is required. Without renewal, you will no longer be protected as of midnight tonight.

You can secure your coverage instantly by renewing online here: [*Renewal Link*].

If you need assistance, please call us immediately at [*Your Phone Number*].

Sincerely,

[*Your Name*]

[*Your Title*]

[*Insurance Agency Name*]

[*Your Phone Number*]

</template>

5) Renewal Process Guide Email Template

<template>

Subject: Your Guide to Renewing Your [*Policy Type*] Policy

Hi [*Client Name*],

Your [*Policy Type*] policy, number [*Policy Number*], is up for renewal on [*Expiration Date*]. To make the process clear, we’ve outlined the exact steps to take below.

Here’s how to complete your renewal:

1. Review Your Documents: Look over the attached renewal proposal. It details your coverage and premium for the upcoming term.
2. Proceed Online: When you are ready, use this link to begin the renewal process: [*Renewal Link*].
3. Confirm and Finalize: Follow the prompts to confirm your information and submit your payment. You will receive an immediate confirmation once it’s complete.

If you have any questions or want to discuss your options, we’re here to help. Simply reply to this email or call us at [*Your Phone Number*].

We recommend completing these steps before [*Expiration Date*] to maintain continuous coverage.

Best regards,

[*Your Name*]

[*Your Title*]

[*Insurance Agency Name*]

[*Your Phone Number*]

</template>

What About Using Flodesk?

These templates provide the framework for your renewal messages, and Flodesk is where you can bring them to life. You can use its intuitive builder to create beautifully designed emails that reflect your agency’s professionalism, no coding required.

Set up automated sequences to send reminders and confirmations, giving you more time to focus on your clients. Explore how simple email marketing can be and get started with Flodesk today.

Wrapping Up

Keeping clients informed during renewal season is straightforward with the right approach. These templates provide a solid foundation for clear, professional communication.

Flodesk helps you put these templates into action. Design and automate your renewal emails to connect with clients consistently, and start building today.