Insurance Leads and Prospects for Agents

Find Local Insurance Agents

2009-11-23T10:33:00.000-08:00

If you are a consumer, looking for new or replacemen policies, it is important to find a professional agent you can respect and trust. If you want somebody who is independent and can find the best insurance companies for you, or if you prefer a representative of one of the top insurers, you can find some easy ways to narrow down your search.

Insurance Company Directories Online

We think a couple of these are pretty simple to use, and they both have some advantages.

Find Insurance Agents - This is a directory of insurance agents, mostly organized by state. You can search for your town or zip code, and the type of products you need information about.

Insurance Company / Agency Directory - This directory is organized by product type, but you can also search for agents by zip code, city, or state.

Both directories have some valuable consumer articles too, and they also have resources for insurance agents. If you have a consumer problem, your own state department of insurance is a great resource too. Since these differ by state, you can find your state insurance department here.

Internet Insurance Leads

2009-11-23T06:40:00.000-08:00

If your insurance website is not working for you, you need to do some web promotion. Lots of agencies do bring in online business, and you should get with it.

Here are some resources to get your started!

Insurance Company Directories!

Free Insurance Directory - organized by type of products, this one even provides a Google location finder for local agencies.

Find Insurance Agents This directory is organized by state, and provides a way for inernet visitors to search for insurance products.

Learn More About Marketing Online

This is a great place to start! This article - Online Insurance Sales Training - gives you an idea about what you need to do to start turning your insurance website into a sales machine!

I know that most of you are very busy people, so it is time to get started now!

Internet Insurance Sales with Pay Per Click Advertising

2008-03-26T07:56:00.000-07:00

I found this article on pay per click marketing for insurance websites, and I think it is worth a read. A lot of insurance agents build great websites, and then they are upset because nobody comes to visit it!

It can take a long time to build natural search listings. By natural search, I mean the search results that come up when you enter a search term in major websites like Google, Yahoo, or MSN. This traffic is considered "free traffic", but it takes time and effort to do the work to make a website in a competitive field like insurance to actually rank well.

On the other hand, pay per click traffic can come right away, and you are able to set a budget and a bid amount for each visitor. You only pay for actual visitors, unlike other advertising where you pay for the circulation of a newspaper or tv ad.

insurance agent marketing success

2008-02-17T06:18:00.000-08:00

If you are a frustrated insurance marketer, or a new insurance agent, you should keep something in mind. Many people jump into insurance marketing as a last resort, and they are in a position where they are already financially distressed.

However, really, starting out as an insurance agent is like starting out in any small business. It will take some time to get a pipeline built and find steady revenues. Before that, you may need to invest in your business in ways like buying leads, office supplies, etc. So, while some insurance systems may let you in with very little money up front, most of the time you will need to have to be able to hae some time to wait for revenues.

Look at this article on Success In Insurance Marketing.

Converting Old Leads and B Leads

2008-02-14T19:30:00.000-08:00

I think a lot of insurance agents are too hooked on shiny new leads. I believe the real secret to long term success is to build a pipeline. Prospects are not always ready to decide the minute you need a sale. It is just an unpleasant truth for many agents, but it does not have to be.

In fact, look at this company's experiene with converting older insurance sales prospects into clients. They claim that their average sale comes from a lead that was generated at least one month before. The first contact is not always making the sale, and you do not have to sell on the first phone call or appointment to sell later.

In fact, you should have a system in place to gather contact information, survey a client for needs, and then stay in contact in order to squeeze every ounce of production from your lead budget. You may be missing out on a huge percentage of potential profit by neglecting older leads!

You can also usually obtain older leads very cheaply, and sometimes even for free. So if you have that contact system in place, why not use it?

Free Insurance Lead Trial From Insureme.Com!

Insurance Agent Website Sales

2008-02-12T07:43:00.000-08:00

Is your insurance agent website converting? If not, maybe you should look at a simple tool to help you convert your internet insurance prospects into sales!

I have seen lots of great insurance websites, and these can be a great tool to help consumers find you! They can also be like a "super" business card that reminds prospects who you are, what you do, and even what you look like. Used in this way, an insurance website is invaluable.

However, many agents do not get as much use out of their websites as they should. In order to really get the most from your investment, you need to be able to command an action for your internet surfers!

We have found a great tip to convert visitors into sales!

Internet Sales Leads From Your Website

2008-01-07T07:57:00.000-08:00

Is your website performing poorly. Many salespeople and businesspeople are frustrated because they have spent a lot of money developing a great website and building traffic, only to find that most visitors do not respond to the message by picking up the phone, sigining up for a newsletter, or filling out an internet form!

We are very interested in an article on InsuranceLeadSite.com about turning website visitors into sales leads because of the technology it promotes!

You can capture the contact information of your visitors without having them take extra steps and get instant leads delivered to you. InsuranceLeadSite.com promotes this technology for insurance sales, but it can be used by mortgage brokers, car salesmen, or any other sales professionals!

Internet Insurance Website Traffic -- Get Listed Now

2007-10-21T11:07:00.000-07:00

If you already have an insurance website, make sure you get some links to your website for maximum traffic. Consumers can Find Insurance Agents online with our free insurance directory.

The thing is, when searchers go to a big search engine, they will find so many insurance websites it will be hard to find yours. For instance, many sites are carefully optimized to be found on specific words. Our listing will help your website get found, not just on our directory, but by targetting keywords to help searchers find your site everywhere.

Right now listings are free. If websites have some content -- and are not just big ads, then you do not need to link back. If you do link back you can get better placement though!

Insurance Agent Directory

Disability and Life Insurance For Declines, Health Conditions, High Risk!

2007-09-30T08:44:00.000-07:00

If you have clients that are in some tough professions, have a tough heath history, or have already been declined for life and disability insurance, I want you to explore a new product: Insurance For Declines.

Insurance Agents Page - Get More Information. The product has been approved in 20 states with more on the way!

Insurance Agents Sell Life Insurance and Disability Insurance For High Risk or Declines Here.

The product uses a waiting or vesting period, rather than health questions, and makes it ideal for those tough life or disability insurance cases. It is real insurance, underwritten by real insurance companies.

It is marketed as mortgage disability insurance and mortgage life insurance, but no mortgage is required!

Mortgage Protection Insurance Leads For Agents

2007-09-25T10:57:00.000-07:00

Brand New Mortgage Protection Insurance For Agents

If you sell mortgage protection, or if you've thought about selling mortgage protection insurance, please check out this page:

Selling Mortgage Protection Insrurance For Agents

Insurance Agents Give Your Clients What They Want!

Many people who call about mortgage protection insurance do not want the big life insurance benefit! They want unemployment mortgage protection insurance and disability mortgage protection but they don't always need a lot of life insurance. We have a product that meets those needs, and that does not require a long application with lots of health questions!

Insurance Leads for Agents By Agents

2007-09-17T07:11:00.000-07:00

If you are looking for insurance leads for agents by agents then I have a company for you!

The leads are generated when consumers look for insurance products on the internet. They come across a quote form and decide to fill it out so they can get competitive quotes from local insurance agents. Then, when the quote form is filled out, an email is shot right out to your inbox!

You get credit for any bogus leads that slip through, AND you can set up filters you only pay for leads you can use!

I think this type of lead is one of the most cost effective means of generating a steady stream of insurance products.

Internet Leads Insurance Agents Like!

2007-09-14T08:19:00.000-07:00

If you haven't been happy with your current internet insurance lead company, then why not take the word of many satisfied agents.

Internet leads come from consumers who are searching the internet and looking for insurance! They also take the time to fill out a form, and they expect insurance agents to contact them. Furthermore, unlike with yellow page or newspaper ads, you only pay for the leads you collect.

This Internet Insurance Lead Program has very flexible filters and a generous return policy. In other words, you can let them know what kind of leads you need, AND you get full return credit for any bogus leads (which do happen despite all best efforts).

Learn about an insurance agent friendly internet lead program, that is run by...ta da...insurance agents!

Internet Insurance Leads In A Box!

2007-09-11T14:18:00.000-07:00

OK maybe you can't get a do it yourself internet insurance leads, but we've found something close! Find Insurance Pro will put your insurance agency online, and give you the best tips to market it!

You need an internet presence because that's where lots of your future clients are looking for insurance products. Also find an insurance agent directory to get your site found!

Mortgage Protection Life Insurance Sales Leads

2007-08-29T20:05:00.000-07:00

I found a nice article on mortgage protection insurance sales leads aimed at agents. The article reminds us that mortgage protection life insurance is -- of course -- simply term life insurance. It also compares the traditional method of direct mail prospecting vs. the new way of using internet leads. Internet leads work because the prospects are actually searching for the products and have to go to the trouble of filling out a contact form!

Mortgage Protection Life Insurance Sales Leads

Medicare Advantage Sales Leads

2007-08-14T09:58:00.001-07:00

While some types of Medicare Advantage and Medicare Prescription plans can be sold all year, open enrollment is fast approaching. This is a time of year when many senior agents thrive! However, in order to prosper you need to have a stream of qualified prospects to contact! Even though the booming senior market is vast, you will also face lots of competition.

It is important to get to those people before another agent does!

Work with an experienced Senior Insurance Agency that can let you choose from Multiple Medicare Health Lead Programs and even set you up with a custom Senior Insruance Agent Website to promote your business.

Get Medicare Advantage Sales Leads!

Collision Car Insurance Or Not

2007-08-10T16:21:00.000-07:00

Every article seems to urge you to consider the book value of your car before you decide to purchase collision insurance for you car. Their logic says that the value of the car is all you will get anyway, and so you might as well not overinsure. However, I think that many people will make a mistake by eliminating this type of coverage from their car.

If you are judged to be at fault for a car accident, liability insurance covers the other guy's car. Your car may still need to be repaired or replaced. If you need your car, and you don't have the funds to do that in a handy place, you really should think about keeping your collision insurance. Collision insurance usually also pays for a rental car, and if it takes a week to repair your car, that bill can be hundreds of dollars all by itself.

If you want to save some money, why not consider raising your deductible a bit -- of course within limits you can afford. The difference between a $250 or $500 deductible can be more signifigant than you think!

If you haven't shopped for car insurance for awhile, quote car insurance before you buy car insurance -- and you may find another company with lower car insurance rates!

Senior Health and Final Expense Leads

2007-08-09T21:10:00.000-07:00

The senior insurance market is HUGE! Baby boomers are aging, and they need competant professionals to help them with their Medicare Health Plans, Life Insurance, Estate Planning and other insurance products.

However, you can only succeed with the top products and marketing help. We all need prospects to talk to! Why not work with a recognized senior insurance agency?

The senior market requires careful marketing and a delicate touch. The older generation is savvy and concerned about health care and estate planning. However, a wide range of products can serve a wide range of clients.

Have it all. Medicare Health and Final Expense Leads - here's to your success!

Medicare Extra Help

2007-07-28T22:25:00.000-07:00

If you are confused by the many changes in Medicare plans, you may want to look at a couple of online resources in addition to medicare.gov.

For some Medicare Help try medicaretxrx.com -- This site discusses some Medicare plans for specific needs like chronic disease, and it also addresses some of the latest news.

So, what's the Best Medicare Plan for you? Well,just like we all have different health conditions and financial situations, we would probably all find a different plan that would suit our needs the best.

Consider your health, living situation, finances, and also what plans are available in your local area. Learn more at bestplanforyou.com!

Wal-mart sued for Dead Peasant Life Insurance

2007-07-13T10:24:00.000-07:00

According to Court TV the husband of a dead Wal-mart employee is suing the company for collecting an estimated $80,000 of life insurance benefits on her. The word has been passed around before that Wal-mart routinely takes out insurance on employees through a corporate policy, and that many employees don't even seem aware of it.

Now Key Man life insurance is common. A company will take out a policy on an owner or essential employee because they will lose a lot if the employee dies. This potential loss establishes the "insurable interest" that a company would have. This insurance interest is similar to the type of interest a close family member would have when they are named a beneficiary on a life insurance policy.

However, Wal-mart has been taking policies out on lower level employees, stockers, greeters, etc., and it has to make a person wonder about it. If the $80,000 benefit is true, then that certain doesn't seem like a reasonable amount to assume for the loss of a clerk or stocker. I cannot imagine that it costs that much to recruit and train an hourly employee who won't make that much money in years at the job.

Of course, this story, combined with past stories about Wal-mart's crummy health benefits, could just make somebody a little cynical. Just sayin.....
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Consumers - Get Affordable Insurance Quotes.

Insurance Agents - Help more people with internet insurance leads.

New Unauthorized Insurer Scam Alerts

2007-06-24T09:36:00.000-07:00

Be a Smart Insurance Agent!

Insurance Lead Sources Reviewed

I just noticed that the Texas Department of Insurance (TDI) has published an alert for PPOs to be aware of signing contracts with anauthorized insurance companies. That is kind of scary. If the TDI thinks that PPO organizations can get fooled by unauthorized insurers, then they are certainly certainly aware that insurance agents, and especially consumers, can get duped too!

I know its easy to get complacent, and be attracted by the promise of making an offer for a low insurance rate with easy underwriting to our clients! However, if you are an American insurance agent, you know underwriting is strict and premiums are not cheap. We should be able to advise our clients on ways to cut insurance premiums, but if an offer looks to good to be true, than we need to face the possiblity that it is!

Actually, the Federal Office of Accountability has published warnings that over 200,000 policy holders have been impacted by unauthorized insurers in a three year period. Many of these policy holders were part of small business groups, so not all were individuals. I am certain that many of the insurance agents who had their careers ruined over this, did not realize that they had been recruited by illegal insurers, but thought they had found their clients a great deal!

Before soliciting business for any insurer, especially one that you have not worked with before, contact your state insurance department. A simple phone call can save your business.

Term Life Insurance Is Cheaper Now

2007-06-09T16:14:00.000-07:00

Americans are living longer! This is good news and is reflected in cheaper life insurance rates, with decreases up to 33%. Life insurance agents used to be very reluctant to advise clients to replace a life insurance policy because the main factor of a premium rate was age. They could rarely compete on price with a life insurance policy that was a few years old.

However, with decreases in life insurance rates, it may off to consider quoting life insurance again. If you have a 20 year term policy, even a $15 a month savings will add up $3600!

Check Out Our Term Life Insurance Needs Calculator, and of course, Compare Life Insurance Rates!

Also, if you haven't learned about Return Of Premium Term Life Plans, you could be missing an opportunity to save even more.

ROP Term Life Calculator

2007-06-08T08:31:00.000-07:00

One of the hottest products is Return of Premium (ROP) Life insurance. It's pretty easy to sell because it is a win-win situation for an insurance customer! If they survive the term of their life insurance policy, then they get their premiums back! Of course, if they do not survive, their beneficiaries get the death benefit.

I had good success marketing this product by demonstrating just how large the check would be at the end of the term of the term life insurance policy. I have an ROP Term Life Insurance Calculator Here to illustrate the process.

Insurance agents, sell more term with ROP (return of premium) riders!

By the way, if you are looking for hot and interested people who are searching for life insurance, consider life insurance leads from internet searches!

Where did your internet insurance leads come from?

2007-06-08T08:14:00.000-07:00

I have had both good and bad experiencs with internet insurance leads! Since I run my own websites, I have learned that the quality of the leads depend upon how they are collected! If leads are collected as an incentive for a web visitor to obtain something else (i.e. points, a prize, etc.) they are probably not very good!

Find Out More About Free Internet Leads!

However, if internet leads are collected because a web surfer was searching for insurance, then these are great leads! Hometown Quotes collects leads from web visitors who actively search for car insurance, homeowners insurance, health insurance, renters insurance, and life insurance. They run their on campaigns in both paid and free search sites, and with ads on other sites. They also use a network of affiliated partners to collect leads the same way.

Since Hometown Quotes are already experts at collecting leads, you can leverage their power. You will probably end up paying less for leads than if you tried to run an internet campaign by youself. Your business is selling insurance. Their business is finding people who want to buy!

Great Discussion on Insurance Leads

2007-04-26T12:18:00.000-07:00

I read a lot of insurance agent forums for information, and I think its time for me to direct you to a good discussion on insurance leads at American Insurance Broker. I really like this forum. It's got real agents and marketing people participating.

If you'd like to try out 5 Free Internet Insurance Leads, click here.

Insurance Agents Using Internet Leads?

2007-04-11T20:57:00.000-07:00

Many insurance agents complain about internet leads, but I've had some success with them. I always thought that insurance agents didn't like leads generated from website forms because they tried to handle them as if they came from another source like a newspaper or yellow pages advertisement.

I came across a good article: Insurance Agents Using Internet Leads.

The author explains that you need another online tools to back up internet leads because that's what these type of clients are comfortable with! And I do agree, that these can be the easiest type of leads to work because you can often close them with online or faxed applications without ever seeing a client!

If you have ever wondered about internet insurance leads, get 5 Free From InsureMe. They'll also give you great support on how to use them.

Insurance Leads By Type

2007-04-09T21:22:00.000-07:00

I overlooked the fact that not every insurance agent is looking for the same type of insurance lead! Well, I overlooked it here, but not on my insurance lead site.

This site shows a variety of leads source, grouped by the type of leads:

Annuity Leads
Final Expense Burial
Car Insurance Leads
Disability Insurance Leads
Group Health Insurance Leads
Individual Health Insurance Leads
Homeowners Insurance Leads
Life Insurance Leads
Renters Insurance Leads

New Page for Life Insurance Calculator Script

2007-03-21T09:58:00.000-07:00

InsuranceLeadSite.com has just posted an easy way to download the Life Insurance Needs Calculator on your site. This is direct to the Life Insurance Needs Calculator.

Of course you need to respect the author's rules for any downloaded scripts that you republish on your own website.

Insurance Agent Tool

2007-03-14T12:59:00.000-07:00

Life Insurance Needs Calculator

If you sell life insurance, you probably find that most clients have no idea of how much life insurance they need. I have made a simple Life Insurance Needs Calculator in order to give you a starting place to consider analyzing needs. My calculator is actually a little conservative, but will probably surprise most of your clients anyway!

Click Here for The Life Insurance Needs Calculator

Consumers - you can use this calculator to determine life insurance need.
Agents - you can use it to help your clients talk about future needs.

Insurance Agent Lead Site Reviews

2007-03-11T22:02:00.000-07:00

We posted an insurance leads site review yesterday, but now we've found an entire review site. Insurance agents can rate insurance leads companies on a scale of 1 (worse) to 5 (best) on several categories like quality of leads, customer service, coversions to sales, etc.

If you have ever considered buying internet leads, you should stop by and see what other agents thing. If you have already bought, why not stop by and rate your favorite lead company?

Rate Insruance Lead Companies Online

Free Insurance Leads and Leads Company Reviews

2007-03-10T14:20:00.000-08:00

If you already buy online insurance leads, you still want to check out the specials! If you have never tried to buy insurance leads, you can try them out. After all time is money, and if you can buy qualified leads you can save time by cutting out a lot of your prospecting. Many insurance agents are sceptical of leads companies, but you have little to lose when they run free leads promotions so you can try them out!

Here's a Page which lists many of the top online insurance leads companies, along with free leads specials!

Here's to Free Leaads!

Insurance Agents - More online Marketing Help

2007-02-14T11:56:00.000-08:00

Online marketing is all the rage, and smart insurance agents are lining up. At the least, you can use your web page as an online business card. At the most, in this digital age, you can attract new business and actually enroll clients up online!

One of our favorite, shoestring budget affiliate marketing sites has lots of information that would apply to insurance agents too:

AFFILIATE UNDERDOG!

Be sure to check out the free download to the Affiliate Underdog Expert Series. It's a fast starter guide to get yourself recognized as a credible expert, and that will help your business!

Cold Calling Help

2007-02-02T21:21:00.000-08:00

Here's an article I found from Cold Calling Executives
They gave me permission to reprint is since I am keeping their
linking info intact! I think it has sensible advice if you're in a job where
you need to contact busy people that you've never met before!

Cold Calling: How To Put An End To Voice Mail Jail
As you prospect, do you long for a real live person to
answer your phone calls?

Are the phrases, "I'm not able to answer your call in
person right now …" "I'm in a meeting right now or talking
with another client …" and "If you want help with this,
please press #2, #1, …" starting to wear on your last nerve
… like nails on a chalkboard?

Are you feeling trapped by the very technology that was
supposed to serve you?

Well, you're in good company.

Our informal survey shows the overwhelming majority of
sales professionals share your frustration. One of the most
frequently asked questions asked by our clients is, "I
leave a lot of voice mail messages without getting any
personal contact--ever. Do you have any tips for me?"

Yes, I do!

There are simple, yet effective steps to take that will get
you around voice mail so you can make contact with a human!

Whether the recording indicates it or not, many systems
will reroute your calls to a human being if you press the
"0" Operator button on your phone.

Then when your prospect's operator/receptionist answers,
you can honestly say, "I was connected to the executive's
voice mail and I'm looking for a real, live, breathing,
speaking human to talk to directly. Is the executive or the
executive assistant in today?"

Chances are that you'll get an empathetic chuckle from the
receptionist. Those folks understand how annoying
pre-recorded messages can be.

If your prospect isn't readily available in person, the
operator often knows that and will be glad to offer to
reroute your call to another human being within the
company, such as the executive's assistant, who can tell
you the whereabouts of your prospect.

Equally as import as circumventing voice mail jail is
knowing what to say when you succeed and make contact with
your prospects operator/receptionist!

In many companies, the operator is authorized to page the
prospect for you or to connect you to direct line-if you do
one thing in particular …

What's the key to "authorizing" the operator to search for
your prospect on your behalf?

You must ask for your prospect by first and last name and
pronounce both correctly.

Here's an Insider's secret peek into the mechanics of the
executive suites that will equip you to understand what's
going on in their world. Really good executive assistants,
with the approval of their executives, talk with
receptionists and give them specific guidelines for
handling inbound callers who ask for the President's office.

There are so many calls each day that they must come up
with a system of handling them. Or never get any work done!
Executive assistants direct receptionists to divert inbound
callers who say, "I'd like to be connected to the
President's office please." The preferred method of
handling such callers is to politely reroute them to voice
mail jail.

With your new knowledge of this Insider's secret you'll
want to call and say, "I'm calling to speak to Jack Doe or
his assistant, Mary." You'll find you receive a different
kind of treatment when you use these words. Because of
their "in-house" system for handling inbound calls, the
operator/receptionist will be more likely to give you the
inside scoop as to their whereabouts.

Then, because your words indicate that you "know the rules"
the receptionist is far more likely to be forthcoming with
information that will help you, information such as whether
or not the executive is in the office and the best time to
call back to reach them in person.

Those executives and their assistants are early risers!

They frequently slip into the office between 7:00 and 7:30
AM. Executives take advantage of the still of the morning
to work through the ever-present to-do list without
interruption.

Knowing this about the habits of executives, many a
successful sales professional will make prospecting calls
during those times and connect with their high-level
prospects on the first ring.

Use these tips to circumvent voice mail, be relentless in
your pursuit for a human, and get ready to smile as you
make personal contact with a real, live, person who wants
to do business with you!

Forward this article to friends-they'll thank you for it!

About the Author:

It costs you nothing to enroll in our Mini-Course
“Jealously Guarded Secrets to Cold Calling Company
Presidents” visit http://www.ColdCallingExecutives.com ! Or
call the office of Your Sales Coach for Extreme
Profitability, author, speaker, Leslie Buterin (like
butterin’ bread) at (316)260-3800 9-3 CST (that’s Kansas
City/Chicago Time)

You built a Great Insurance Website but Nobody Came?

2007-02-02T11:45:00.000-08:00

This post doesn't just apply to selling insurance online, but since that's a lot
of what I do, then I think you need to read it!

Actually, this is the hardest thing about selling online. Let's say
you've gone to lots of trouble to research what you want to sell,
obtain a great domain name, and made a fantastic website! You have
great products, simple navigation, and made a very useful resource.

Then you activate your website, put on a stats tracker, and see that
you are the only visitor! Welcome to that first painful stage of
launching a new site!

Here are some first steps you might take to improve website traffic
to your site:

1. Become active in related message boards and forums. Answer
questions, and then post the URL of related pages on your sites.
Don't just spam, but actually give answers to questions. Nobody
will mind if you throw a link in then, or at least put that link in
your signature.
2. Submit your site to search engines.
3. Start A blog and make sure you get your blog hooked up with blog
searches.
4. Explore social marketing.
5. Look for related websites and directories that may link to you.
6. Begin your own social network..i.e a group or forum.
7. Try offline advertising. Put your website on a business card.
8. Put your URL in your email signature line.

Any more ideas?
Even though you may be in the insurance marketing business, and not the affiliate marketing business, you can probably get a lot more internet traffic tips here:

AFFILIATE UNDERDOG

Sell Insurance Online

2007-01-24T07:29:00.000-08:00

Insurance agents, you really don't have to run all over your state to gather business. So many resources exist for you to sell insurance from your desk. You can use your fax machine, phone, and the internet to write lots of business, and maybe you can even write more business than you were writing because you will not have to travel.

I have had more and more success, especially with younger clients. They want to talk to an agent, but are quite willing to apply online or over a fax machine, rather than make an appointment to talk with me!

The Agent Menu System is designed by a life insurance agent, but I have applied the practice to my health insurance agent - and the owner, Mark - is quite willing to be flexible in his coaching and he has dozens of great ideas.

Listen to the pre-recorded call and imagine the possiblities. One small sale will pay for the whole system, and you get personal coaching from Mark! It's all good.

AgentMenu.com is loaded with marketing tools for insurance agents providing insurance lead systems that allow the agent to never leave their desk.
Mark Meurer is the architect of the many systems with exclusive training for the veteran agent and new agent,whether you are selling life insurance, mortgage protection, or any other form of insurance. We are certain that we can increase your productivity. We make lead generation simple.

Annuity Marketing - I have found the king!

2007-01-06T22:23:00.000-08:00

Oh my! I think I have found our king.

This guy is promoting a report about....wait for it....secrets about annuities that your insurance agent doesn't want you to know!

He calls himself the AnnuityMD, and this is the link to his blog.

I love it! He not only pretends to expose dark secrets about annuities by blowing holes in the exageration and excesses of some insurance agents. Of course, that's not you and me. It must be another guy. But then he charges for his report, and offers FREE PHONE SUPPORT. This is great! This guy is getting people to pay him to become clients.

Amazingly he has some good traffic to his blog too, as well he should. If he's not the Annuity DOC, he's certainly my king of chutspah!

IBM Post on Internet Insurance Sales - Kinda' Old but Still Relevant

2007-01-05T11:23:00.000-08:00

I just came across a post on the IBM network about internet insurance sales. It's a couple of years old, but I don't think as much has changed as it has in other industries. We insurance people are fairly conservative, and maybe insurance consumers - which is everybody - are conservative when it comes to this sort of purchase.

Anyway, The IBM POST ON INTERNET INSURANCE IS HERE.

The good news, is that the author does not believe that internet insurance sales will do away with agents. Face it, insurance products are complicated, and most of us are continually learning. That's our job. It is also our job to educate clients, who all - of course - have other jobs!

Selling insurance is still about service. It takes a human to wade through policies, underwriting rules, and changes to present a qualified client with options that will suit their lifestyles, budgets, and needs. However, internet selling can offer convenience to consumers and agents. It is so much easier to qualifiy a client, researc policies, and then come back with well analyzed options than to be under the pressure to close a sale in one 45 minute sales call. This is called high trust selling. You are listenning to your client, analyzing their needs, choosing solutions, and then presenting them. What the internet does is eliminate the need for multiple visits, and it probably also cuts down on phone calls.

Insurance Leads - The Internet Is Your Friend

2007-01-05T09:41:00.000-08:00

Why do insurance agents disdain the internet?

I think the reason that insurance agents get frustrated with the internet is because it is not a magic bullet. You can't just throw up a website - no matter how wonderful it is - and expect clients to find it out of the several thousand other websites that advertise insurance.

A good website is a start.

Effective web pages don't try to be all things to all people. I know it's tempting to put everything you know about everything on a page, but in my considerable experience on the net, pages that convey one main message - with a few links to other related choices - perform the best for me.

You should offer something in exchange for your visitor's time. You can offer information, and of course that information should lead into the reason why a visitor should use your services. Give the internet surfer a reason to visit you, and then give them a reason to stick around, come back, and even pass your website on to their friends.

Capture Visitors

An internet site is almost a waste of time without some way to capture a visitor's contact information. A simple feedback form, with a reason for the visitor to fill it out, works well. Offer a free quote, a newsletter, or something in exchange for a name, email address, and better yet...a phone number! If you post it, they will come.

But what if I post it and nobody comes?

Of course, traffic is always the issue. It's relatively easy to put up a website, but it's not so easy to get noticed amoung the billions of other sites. Volumes have been written on traffic ideas, and this is not the post for that! However, the obvious routes to research are: offline advertising, paid online ads, and simply posting your website address around in a non-spammy way on related forums and groups.

Offline Ads: Have you turned on your TV lately. You can hardly watch a Gunsmoke rerun without seeing Geico or Esurance ads. Ads for annuities are more common. And of course, there's the old standby - Senior Life. I have heard that radio ads are very effective, and usually much cheaper than TV ads. If you don't have a budget for TV or radio, doing something as simple as putting your website address on your business card is a start. Fliers with an offer of information and your website address distributed in your superstore parking lot can work too!

Online Paid Ads: You may explore pay per click advertising, or paying for banner ads on other websites. This is a subject that I am not even going to deal with here, and I am not master.

Online Non Paid Ads: These take time, but they are free. Of course, make sure your site is submitted to major search engines. If you belong to any forums or online groups, putting your website URL in your signature is generally accepted. You can ask for link exchanges from related sites. If you concentrate on selling insurance in Michigan, then an insurance salesperson in Kentucky may be willing to exchange a link. If you sell life and health, look for property agents to partner with. You may also look for local realtors, mortgage brokers, etc. who would be willing to exchange local links.

Selling Insurance From Your Desk

2007-01-04T21:33:00.000-08:00

Are you sick of driving around chasing after clients?

DIGITAL AGENT IS REAL, AND YOU CAN BE A DIGITAL AGENT.

It's got to be depressing to be an insurance agent these days if you're still spending your days in a car, chasing after prospects. It must be even worse if you have to do a lot of travel out of town. Folks, the revolution has arrived!

Actually, it's been very possible to sell insurance since the advent of the fax machine, and computers have made it even easier. If you have a telephone, printer, fax, and computer, you really should be good to go!

Many insurance companies do not require you to actually visit with clients anymore. Some policies are even approved online while you wait, and dozens of policies can be submitted online!

If you've dreamed of selling insurance from your kitchen table, but have no idea how to start, I really suggest a visit with Mark Meurer of Digital Agent. He can start you on the path to selling insurance from your home or office. I guess I should say, he can get you off the path of selling on the road!

He's a sincere guy who consulted with large brokerages and insurance companies for years, and now makes his dime by helping individual agents learn to sell insurance from their home. He even teaches you how to generate very low cost leads, or if you can afford to buy leads and want to save time - he has suggestions for the best places to do that as well!

CLICK HERE TO VISIT DIGITAL AGENT.

Quotes Auction - Something Different For Insurance Leads.

2006-10-05T21:59:00.000-07:00

Imagine a website where you could pick and choose insurance leads by location, type (i.e. life, health, car, disability, annuity, etc.), the time they were submitted, and even if they are exclusive or not.

You do not have to make a minimum order, but only pay for the insurance leads that you choose to your cart. And with all that, you still get a liberal return policy, so that if something is wrong with the lead - i.e invalid phone number, uninsurable condition is marked on the lead buy you could not see that before you purchased - they will give you credit.

Well, it's not a fantasy or some insurance agent's fever dream. That's how QuotesAuction does business!

I have used QuotesAuction and been pleased. The prospects were not annoyed with my call, so they hadn't been called 47 times in the last three days. When I had a problem with a lead that had no phone number, QuotesAuction cheerfully gave me credit. Besides that, they have a lot of choices for insurance requests that most lead sides lack.

Why not head over to QuotesAuction and pick up a lead or two so you can see how it works out?

Your last clients should be sending you to your next clients!

2006-10-05T18:05:00.000-07:00

Did you sell any insurance last month? How about the month before?

Well would it be easier to go out and cold call a few hundred potential clients, or would it be easier to call the clients who have already bought your products? You could call them up and ask them if they need. Then you could ask them if they could think of anybody who - like them - might find your service useful. In other words, you just as them if they know anybody who is LIKE them.

I've got an easier tip. Let your best clients know that you want to host them for golf, dinner, a hocky game, etc..... You'd even like them to bring along another couple or a friend. TA DA! You have met somebody like them. You will certainly have an opportunity to talk about what you did for the client and lead into the possibility of an appointment with the friend.

When you consider that this event helps build loyalty with your client, plus might help you find your next client, I think this tip will pay off!

Insurance selling and overcoming Price Objections

2006-09-23T16:29:00.000-07:00

Never argue the difference. The comparative premium differential in an insurance proposal is frequently a matter of perception. The prospect mainly sees the bottom line, while the producer looks at each element that’s incorporated into the offer. So, when you see obvious reasons for the price variance, such as more coverage, higher payrolls and sales, etc., you must fight your instinct to deny that the difference exists. If you speak condescendingly or bicker with the prospect, then any chance for the sale is lost.

Insurance Leads - A press release?

2006-09-19T16:37:00.000-07:00

In my constant quest for a better way to generate leads and prospects for my insurance business - both offline and online, I stumbled upon PRWEB.

PRWEB

Apparently you can write a press release - maybe about your business and/or website, and have it distributed through channels. I know from doing my own searching that this type of press release tends to get picked up in the search engines. This sounds like a great idea for any internet related business you do - or even non-internet insurance business backed up with a website.

The price for a press release depends upon the service you request. Apparently they can do many services like take your draft to final copy, optimize it for search engines, distribute to search engines, and distribute it to offline print.

I think it might be a great way to generate insurance leads, or at least, to make sure clients can find you when they look you up on the internet.

Are you looking for insurance

2006-09-18T11:23:00.000-07:00

If you are an insurance client, and NOT AN INSURANCE AGENT, you will be more interested in ResearchInsurance

I maintain a current blog there, updating it with discussions and answers to frequent concerns my own clients have. I also post about insurance concerns in the news.

I talk about life insurance, health insurance, homeowners insurance, long term care insurance, and car insurance issues. Thanks!

Insurance Agent Leads - How do you prospect for clients?

2006-09-18T08:34:00.000-07:00

I've been an insurance agent for a few years now. I've prospected through many different methodds. I decided to start a blog to discuss different prospecting methods for insurance agents.

I have several different methods I use, and I'd like to discuss prospecting for leads here - plus get agent comments on each. I think we can all help each other this way.

Of course, one of the easiest ways is to use internet leads. Have you ever tried them? I like working with Insureme, and they do give 5 free leads to try them out.

CLICK HERE TO GET 5 FREE LEADS WITH INSUREME

They have life insurance, health insurance, long term care insurance, car insurance, and homeowners insurance leads.