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.