For users who want to avoid the scripting process altogether, there are also services that provide prerecorded messages. Again, your voicemail greeting shoulders a lot of responsibility. Some people aren’t comfortable with having to create a message to deal with it. As such, users can choose from libraries of prerecorded messages, which are standardized greetings, for their voicemail. There are a variety of applications, services, and companies that provide this service. For example, VoiceNation, a voicemail, virtual PBX, and answering services provider, offers users a variety of samples.
Your voicemail greeting can make a positive or negative impression on people. By considering your target audience and tone, you should be able to keep it positive. Length: Don’t make people wait minutes to leave a message. Apologies: If people expect your to be available, apologize for missing their call. Set expectations: Let people know when they may receive a callback, but be realistic. Accuracy: If you change your voicemail for things like holidays, be sure to update it when needed. How do You Set Up a Business Voicemail?

Insurance agents have to deal with large numbers of clients almost all through the year. So, they are extremely busy and cannot take calls of clients. For them resorting to voicemail messages become inevitable. Here is one instance of VOIP phone service for businesses like this:
What's new in Webex Meetings What's new in Webex What's new in Webex Control Hub All products In the Calling User Portal, you can manage your voicemail settings, like when you want your voicemail to be active, message storage settings, and how you would like to be notified of new voicemail messages. You can also set up your voicemail greetings. Choose When to Send Callers to Voicemail Choose Where to Store Your Voicemail and Fax Messages Enable Voicemail Notifications Allow Callers to Transfer From Your Voicemail Greeting Set Up Your Voicemail Greetings Choose When to Send Callers to Voicemail