The Quick Take 

Why it matters: 78% of financial advisors say peers who don’t adopt AI in the next 3-5 years will fall behind competitively. Marketing is where AI delivers the fastest, most visible results, and it’s where most agents are leaving time on the table. 

Where the industry stands: 64% of U.S. insurance agencies are using AI in at least one workflow in 2026, up from 38% two years ago. Only 8% say it’s fully embedded in their daily work. Most people are still figuring it out. 

What this covers: Practical ways to use AI in your marketing, including how to train it to sound like you, how to keep your conversations organized so you’re not starting over every time, and a scripting method that works because it starts with you talking, not you typing. 

You got into this business because you’re good with people. You can sit across from someone who’s overwhelmed by Medicare options or anxious about retirement and make it all make sense. That’s a real skill, and it’s the core of everything you do. 

Marketing is usually the other thing. The emails that pile up, the social posts you keep meaning to write, the newsletter that’s been sitting in a draft folder since January. It doesn’t come naturally for most agents, and it takes time you don’t have between appointments. 

When you use AI well, the time-consuming parts get handled faster, and the part that sounds like you comes through more often. 

First, a Word on Getting Started 

If you haven’t used AI tools yet, the most useful reframe I can offer is this: think of ChatGPT, Microsoft Copilot, or any similar platform as a chat window to a very well-read assistant. You type something in plain English, it responds. There’s no code, no technical setup, no learning curve beyond the first conversation. The free version of ChatGPT is a legitimate starting point that most people take. You don’t need a paid subscription to get real value from any tip in this post. 

The agents and advisors seeing results aren’t the ones who went all-in on day one. They’re the ones who opened a platform, sent one prompt, and got one useful answer. That’s enough to make the whole thing feel manageable. 

RELATED: AI Marketing in 2026: The Tools, Prompts & Strategy Agents Need
 

The AI Tips For Agents & Advisors 

1. Train AI to sound like you before you use it for anything else 

Skipping this step is the reason so much AI-generated content sounds like AI-generated content. Before you ask it to write a single email, spend time teaching it how you talk. 

The method I use: voice-to-text. Open a conversation, turn on your phone’s voice-to-text feature, and just talk. Tell it to remember how you speak. Explain how you describe Medicare to a new client. Walk through how you’d approach a referral conversation. Describe how you’d follow up after a tough meeting. Let AI absorb it. Then ask it to interview you. Have it ask questions about how you communicate, what words you use, what you’d never say, who you’re talking to. Go back and forth until you both feel like it has a real sense of your style. 

Once you’ve done that work, ask it to write you a reusable prompt: a paragraph or two that you can paste into any AI platform to set the tone before any project. Save that prompt somewhere accessible. It’s the foundation everything else builds on. 

RELATED: Authenticity in AI Marketing: Why Your Personal Brand Matters More Than Ever 

Think of this less like a setup task and more like an investment you keep adding to. The more conversations you have, the more context it carries, and the less your drafts will need editing before they sound like you. 

2. Organize your conversations from the start 

Early on, I made a habit that cost me a lot of time: starting a new conversation from scratch every time I needed something, or spending ten minutes hunting for an old one. 

The better system is to treat your AI conversations like folders. Pin the important ones and give them clear labels: “email subject lines,” “social content ideas,” “AEP scripts,” “client objection practice.” When you want to build on previous work, you open the right conversation and continue from where you left off. The AI already has context from your previous sessions, so you’re not re-explaining your voice, your audience, or your preferred format every time. 

This sounds like a small thing. In practice, it’s the difference between AI feeling like a chore and AI feeling like a resource worth returning to. 

WATCH: How to Become an AI Pro in 2026
 

3. Write client emails and follow-ups in a fraction of the time 

The blank page problem is real, and it’s where AI delivers immediate, tangible value. 

Before you type a single prompt, it’s worth understanding the formula behind a good one. Every effective AI prompt should include five things: a role (what should AI act as), a goal (what do you want it to produce), a format or platform (where will this live), a tone or voice (how should it sound), and an audience (who is this for). When all five are present, the output is almost always usable on the first try. 

Here’s what that looks like in practice: 

“You are an experienced insurance agent writing a client email. Write a follow-up email to a prospect who just turned 65 and is exploring Medicare options for the first time. This will be sent as a personal email, not a mass blast. Keep the tone warm, clear, and conversational. The reader has no prior knowledge of Medicare and may feel overwhelmed.” 

Compare that to just typing “write a Medicare follow-up email,” and you’ll see the difference immediately. 

One important caveat: always review AI-drafted content before it goes out. AI can and does produce inaccurate information, sometimes confidently. This is called a hallucination, and it happens when the model fills in gaps with plausible-sounding details that aren’t true. In a regulated industry where trust is everything, a factual error in a client email can do real damage. Read every draft critically, verify anything you didn’t supply yourself, and make sure client-facing content clears your usual compliance review. AI is a first draft, not a final approval. 

RELATED: Email Marketing in 2026: Content That Converts
 

4. Generate a month of social content in a single session 

Instead of opening LinkedIn on a Tuesday morning with nothing ready and deciding not to post, sit down once a month and plan the whole thing at once. 

Using the five-part prompt formula, try something like: 

“You are a social media strategist for independent insurance professionals. Create 12 social media post ideas for [month]. These will be posted on LinkedIn and Facebook. Keep the tone approachable, educational, and peer-level. The audience is adults aged 55-70 who are approaching Medicare eligibility or retirement and are looking for trustworthy guidance. Mix in educational posts, personal-story prompts, and a couple that invite conversation.” 

You’ll get a full list. Take the ones that feel like you, add a specific detail or personal angle, and you have a month of content in about an hour. 

WATCH: The Easiest Way to Start Creating Content (No Overthinking)
 

5. Turn the questions you answer every week into a content library 

You already know what your clients ask most. “When do I need to sign up for Medicare?” “What’s the difference between term and whole life?” “How does an annuity work?” Those questions are the foundation of every piece of helpful content you could ever create. 

Ask AI to help you write them up. A prompt that follows the formula might look like: 

“You are a knowledgeable insurance educator. For each of the following five questions, write a short, accurate answer that will be published as FAQ content on an independent agent’s website. The answers should be clear and jargon-free. The audience is adults in their late 50s to mid-60s who are new to these topics and appreciate straight, honest answers.” 

That afternoon turns into a content library that builds trust, answers objections before appointments, and helps your site show up when people search for answers in your area. And as always, fact-check everything AI returns before it goes live. 

6. Use AI to support your design work — thoughtfully 

Flyers, social graphics, event announcements, email headers. Tools like Canva AI let you describe what you want and generate a starting point in seconds, then adjust colors, fonts, and layouts to match your brand. For a time-pressed independent agent without a design budget, that’s a meaningful option. 

Need help creating content with Canva? Access our free Content Strategy Toolkit here 

A word of caution, though: in the health and wealth space, trust is the product. AI-generated imagery has become increasingly easy to spot, and a meaningful share of your audience is already skeptical of it. A photo of you at a community event or a real client thank-you note will outperform a polished AI graphic almost every time. Use these tools to save time on the production side — formatting, resizing, layout — rather than as a substitute for the authentic content that builds relationships. 

7. Build a full month of content from one anchor piece 

This is one of the most practical content strategies for busy agents, and AI makes it significantly faster to execute. 

Start with one piece of long-form anchor content. That’s either a long-form video where you explain a concept in depth, or a substantial written piece like a blog post or guide. That single piece becomes the source for everything else. 

From the long-form video, create short clips for social media. From the written piece, pull out key quotes and turn them into graphics. From either one, build out the email or newsletter send that gives your list a reason to click through. Each format serves a different platform and a different moment in someone’s attention span, and AI can help you figure out how to approach each angle differently so nothing feels like a copy-paste job. 

When you bring that anchor piece to AI, try: “You are a content strategist helping an insurance professional extend a piece of long-form content across multiple formats. Here is the original piece. How should I adapt the core message for a 60-second social video, a pull-quote graphic, and a brief email introduction? Suggest a distinct angle for each so the content feels fresh on every platform.” 

One strong piece of content, thoughtfully extended, covers an entire month. 

8. Draft blog posts and newsletters when the words won’t come 

You don’t need to be a writer to publish content that builds credibility. You need to know things your clients need to know, and you already do. 

Give AI a clear brief using the full prompt formula: 

“You are a knowledgeable and approachable insurance educator. Write a 400-word blog post explaining what happens to someone’s Medicare coverage when they move to a new state. This will be published on an independent agent’s website. Write in a warm, clear, conversational tone. The reader is 63 years old, has never had to think about this situation, and needs plain-language guidance.” 

Read it, adjust any phrasing that doesn’t sound like you, add a sentence or two from your own experience, and publish it. Over time, that kind of content does more for your reputation than most ads ever will. Fact-check anything you didn’t supply, especially any figures, dates, or regulatory details. 

WATCH: This Content Can Bring You Leads for Months
 

9. Use the talk-first method for video scripts 

Short video is one of the highest-performing formats for professionals trying to build trust with a local audience. A 60-second clip of you explaining something clearly and directly is worth more than a polished graphic that no one watches. The part that stops most people is the scripting. 

Here’s the process I use. It works because it starts with your voice, not AI’s. 

Work with AI to build an outline first. Share your own thinking on the topic, ask it to fill in anything you’re missing, and fact-check whatever it adds before the outline is final. AI can hallucinate here too — specific statistics, dates, or policy details should always be verified against a primary source before they make it into a script. 

Then, with just the outline in front of you, talk through the whole thing out loud. Don’t worry about pauses, restarts, or losing your place. Just talk. Record it or use voice-to-text to capture it. 

Take that recording and bring it back to AI: “You are a script editor. Clean up this transcript and organize it into a clear, conversational script. Keep my original words and phrasing as close to the source as possible. This is for a 60-second video. The tone should match how I spoke in the original recording.” Then read the result out loud. If you trip over a sentence or it doesn’t feel like something you’d say, revise it. Keep going until it reads exactly the way you speak. 

The reason this works is that you’re translating your voice, not replacing it. AI doesn’t write the script. It transcribes and organizes what you already said. 

10. Personalize your outreach for the moments that matter 

The most effective touch points you have as an agent are the ones that land at the right moment: when a client turns 65, when AEP opens, when interest rates shift, when a life event changes someone’s situation. The challenge is doing that at scale without losing the personal quality that makes it worth opening. 

Build a set of core templates for the key moments in your clients’ financial lives. Then use AI to customize them: “Here’s my standard outreach for clients approaching Medicare eligibility. Adapt it for someone who is still working full-time, has employer coverage, and is worried about the cost of switching.” Personalized in under a minute, sent with genuine care. 

11. Plan your marketing calendar around the dates that drive your business 

Your business runs on a calendar: AEP, OEP, tax season, Social Security enrollment windows, rate announcements. These are the moments your clients are paying attention. A marketing calendar built around them means you’re ready when it counts. 

Ask AI to help you build one: “You are a marketing strategist for an independent insurance professional. Help me build a 12-month marketing calendar with key dates, recommended content themes, and campaign ideas for each month. I focus on Medicare and retirement planning. The goal is to stay consistently visible to my existing clients and attract new ones in my local area.” You’ll have a full year mapped in one conversation. Adjust it as your priorities shift. 

12. Build an audience persona before you write anything 

Before you write a single word of marketing content, take ten minutes to describe exactly who you’re writing for. Not a vague demographic, but a specific person. AI is genuinely good at helping you build that picture. 

A persona is a detailed profile of one representative client: her age, her situation, what she’s worried about, what she’s tried, what she wishes someone would just explain clearly. Once you have that person in mind, you’re not writing for “people approaching Medicare.” You’re writing for Sandra, 64, who just got a letter from HR about her retiree benefits and has no idea what it means. 

WATCH: How to Find Your Target Audience (Simple Strategy That Works) 

Try this prompt: “You are a consumer research specialist. Build a detailed audience persona for a 64-year-old woman who is six months from Medicare eligibility and has never handled her own health insurance before. Include her primary concerns, the questions she’s searching for online, what would make her trust an agent, and what language would immediately turn her off.” 

Read it carefully. Let it shape your word choices, your tone, the specific fears you address, and the reassurances you offer. When you write for one specific person, the intimidation of “creating content for everyone” disappears. You’re just having a conversation with someone you understand. And the irony is that the more specific you get, the more broadly the content tends to resonate, because specific is relatable in a way that general never is. 

Where to Go From Here 

Deloitte projects that AI-driven time savings could free up 25-50% of adviser time from lower-value operational work by 2032. You don’t need to wait until 2032 for that to be true. The agents building that capacity now are doing it one workflow at a time, not by overhauling everything at once, but by finding one thing that works and building from there. 

Pick one tip from this list. Open a platform if you don’t have one — ChatGPT is free, and if your organization uses Microsoft Copilot, that’s a strong starting point too. Send one prompt. See what comes back. That’s a complete first step, and it’s usually enough to make everything after it feel far less uncertain. 

The rest builds from there. 

David Belleville is the Director of Marketing Strategy at AmeriLife, one of the nation’s leading health and life insurance distribution organizations, and the co-host of the AmeriLife Marketing Mentors Podcast. He produces content about marketing, growth, and the business of insurance for agents and advisors at every stage of their career. 

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