Top 10 Tips For Insurance Agency eMarketing Success

Insurance Agency eMarketing is often described as an art and a science, but the basics should be simple enough for any agent to follow. Unfortunately I've seen many basic rules broken by agents sending out emails that use colored fonts, capital letters in the subject line, and prolific use of spam words like "free offer" that are almost guaranteed to send an email to a junk folder. The list below represents the top 10 tips to help ensure insurance agency eMarketing success. These tips are applicable to both small scale campaigns using simple eMarketing tools (even Outlook) and large scale campaigns which run in the thousands of contacts.

1. Easy Opt-Out - Make sure you have a simple "unsubscribe" link and quickly remove anyone who wishes be deleted.
2. NO SHOUTING - See how bad those capital letters look? Do not shout in your subject line, or the body of the email.
3. No Colored Font - If you are attempting to market a professional product or service, do not use gimmicky colored text.
4. Minimal Bold & Italic Font - Bold and italicized fonts are not off limits, but keep their use to a minimum. Only a phrase or two.
5. No Spam Words - Stay away from "Free Offer" or "Satisfaction Guaranteed".
6. Be Concise - People are busy, so be brief. A few sentences and a clear call to action is much better than too much verbiage and loud text. Page long lectures and email diatribes are not the way to go for your insurance agency marketing.
7. Simple Call to Action - If you have someone's attention, make it quick and easy for them to take action.
8. Offer Value - Make sure the prospect will receive a real benefit by answering your call to action.
9. Professional Salutation - Please use Sincerely or Best Regards and your real name and real title. Stay away from motivational quotes and gimmicky closes.
10. Subject Line Promise - Make sure your subject line appropriately describes the content of your email body. Not only is this the professional way to approach eMarketing, it is also one of the CAN-SPAM Act regulations.

And remember, graphically rich HTML emails may look great on your computer, but will not likely display that way on your target prospect's computer, and are more likely to be intercepted by spam filter. Simple and concise business emails often work better than graphically rich emails, and look much more like business communication and less like advertisements. Make sure you read the CAN-SPAM Act regulations and closely follow these important regulations.





Article Source: http://EzineArticles.com/?expert=John_W._Scranton

Ways to Market Your Insurance Business on the Internet

The insurance industry isn't an industry that is loved by consumers. People can often be heard complaining about their insurance company or the rates that they are charged from everything ranging from auto insurance to health insurance. Marketing your insurance company is a tough challenge in itself but then when throw online marketing and the competition it poses into the mix, it can be even more difficult. Do this, you may be wondering how you can market your insurance business online.

There are several ways that you can market your insurance business online that'll help you reach your target audience for the types of products and services that your insurance company offers. Here are a few commonly used methods to help get you started:

* PPC marketing is a kind of online marketing where people or companies pay the search engines or other websites to place an ad on the search engine or website. It's called PPC because it stands for "pay per click" and this means that the advertiser or marketer only pays when an Internet user clicks on one of the ads. PPC marketing online can get really expensive but if you use really refined and targeted keywords that aren't as competitive, the expense can be cut down.
* Niche marketing can be used in conjunction with PPC marketing or it can be used on its own in the form of a niche website. The word "niche" means a specialized or specific area and refers to only marketing to those who are interested in the product or service being offered. For example, if your insurance company sells all different types of insurance, niche marketing would entail you picking out one of those types and then using very specific keywords to market that type of insurance online. So if you wanted to market pet insurance as an example, pet insurance would be your niche but you could further refine it to pet insurance for exotic animals or whatever you choose.
* The third option is using social media such as Twitter and Facebook to help you market your insurance business online. Internet users spend a lot of time on social media websites and it's a good place to be able to interact with current and potential customers. You can answer questions, handle complaints and connect with people.

There are dozens of ways that your insurance business can market online and the ones listed above are only a handful of options but you now have an idea on where you can get started. The key is reaching people who are interested in what you have to offer and connecting with Internet users on a level that they want to be connected on.



Article Source: http://EzineArticles.com/?expert=Vanessa_Sweeney

Five Insurance Discounts You Should Know About

Many people choose their car insurance providers and never bother to shop around for better rates later on. However, spending just a bit of time to research lower rates could actually save you a significant amount each year. There are many discounts available for insurance, including many that most people have never heard about.

Here are five insurance discounts you should look out for.

1. Defensive Driving Course
Taking a defensive driving course is one of the best ways to get a discount on your insurance. Many insurance companies offer a discount when you take one of these courses because they can prepare you to be a more active driver. It will also help you to anticipate accidents more quickly so you can avoid them.

2. Safety Features for Your Car
Some insurance policies will give you discounts based on the safety features your car has. Of course, standards like brakes and airbags are a necessity. However, you could also save on your insurance by having your car's VIN number printed on windows and doors, as this can prevent and deter theft.

3. Good Grades
Students can receive discounts on their auto insurance for getting good grades in school. Submitting a report card or midterm with a high GPA or high letter grades can help a student qualify for a reduced rate.

4. Long-term Policies
Insurance companies like to reward their most loyal customers with long-term policy discounts. You could receive a reduced insurance rate simply by sticking with the same company for years.

5. Owning Additional Insurance
Look for insurance providers that will offer a discount for owning more than one type of coverage through them.

You could receive discounts on your insurance by holding policies for home insurance, life insurance or medical insurance through the same insurance provider.



Article Source: http://EzineArticles.com/?expert=David_L_Mark

Overcome the Price Issue With Great Insurance Selling Ideas

When people are buying insurance today, one of the top factors is price. Having great insurance selling ideas, to combat the price war issue, will make or break any insurance agents success.

When your company's premium prices fluctuate on a constant basis, you just can't sell on price for too long. Although, I am one of the believers that the majority of people buy because of price, you really need to come up with other sales techniques that make people want to buy from you for quality reasons.

As you know, the majority of people have no idea about insurance and the types of coverages they need when an accident or illness actually happens. Most people just want to know that they have Auto Insurance, Home Insurance, Life Insurance and Health Insurance and pay the cheapest price possible for it. There are a ton of agents out there that just sell on price, and the customers don't even understand that they most likely bought an insurance product that probably won't fully cover them when the accident happens, or the out of pocket deductible will be several thousand dollars. This may get a quick sale, but every agent wants the residual renewal income, and selling a cheap policy with poor coverages won't keep the customer for very long.

Now you are asking, "How can you sell good products with higher prices and keep the customers for a long time?" Your goal here is to build a connection with prospects, buyers and customers, and educate them about the importance of the insurance products and negative results of having bad insurance policies, but a good price. You want to build a trust factor with all these people, so they will buy from you and refer to you at whatever price it costs them. This will build long term relationships, which in turn leads to long term residual income.

So How Do You Get All These New Insurance Sales Ideas?

With today's technology, i.e. computers, smart phones, internet, MySpace, Twitter, etc, all this can be useful or detrimental. Again, people are online comparing insurance just for rates and buying online. This will be beneficial for you in the long-run, because all this is free marketing and you can reach a lot of people on a monthly basis. These research and buying resources that people are using today, should be giving you thoughts on insurance sales ideas. What if your website was all over the local internet searches, and actually had information that educated and was a tool for people. What if you could supply all your contacts with great information every month - Online? What if your prospects and customers saw your agency and received informative information all the time. Your agency would be embedded in their mind.

The only problem is that with today's technology, you don't know how to come up with the insurance sales ideas, and most importantly make the programs and implement them correctly. I recommend getting online and talking to other agents to see how they are getting their websites optimized and also use some of their tactics, but tweak them to make yours better. You don't have to reinvent the insurance sales ideas wheel, you just need to find a few great ideas on the internet and modify them to be your own.



Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy

Best Insurance Marketing Ideas To Start

In this new internet and technology world of the insurance business, it is important for an insurance company's survival to retain and grow business every month. So many companies are putting commercials on TV and trying to put a majority of the marketing efforts into one basket. This is all great for brand name, but what about the individual agents. Agents need to have the new and best marketing strategies to grow and survive. Having the best insurance marketing ideas is a crucial part of that. This article will describe three of the best ways of performing this tactic with great efficiency.

The most successful agencies choose to use email or Auto-Responder marketing. With Society moving to the internet and email as a preferred method of communication, insurance agents need to move their communication methods to email and auto-responders. An email auto-responder marketing campaign is a tool that needs to be implemented into a few other internet marketing campaigns within your agency. This auto-responder campaign is great because you just set up a chain of emails once, and contact all your prospects on a set time and regular basis. The best part of it, is that it's virtually no cost to you.

More and more companies are jumping on the social media networking bandwagon. After all, there are over 500,000,000 worldwide users that have signed up to use a social media site. Any perceptive salesperson knows that he or she must go where the people are. The most popular site on the planet is Facebook.com, which reins in 250,000,000 potential customers daily. The best thing about Facebook is that you could have several pages (just like web pages) on you account and people actually look at their Facebook accounts every day. just think, prospects could see your agency information every day.

Using internet leads through your website is another effective way to direct potential customers where you want them to be. If you add related links to your website, then those companies are apt to add you to theirs. This is a great networking method, as well, since it can connect your company with others that could serve as complementary forces. Also, the greater your web presence, the more business you bring in to your agency.

Competition calls for the greatest tactics. Mastering the three methods listed above will enhance your company's ranking in the business world. After all, learning to properly market insurance is the best way to sell it. It is imperative to learn and implement the best insurance marketing ideas within your agency.



Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy

Insurance Marketing Ideas That Will Change Your Agency

Is your insurance agency in a stagnant situation where it is extremely difficult to build sales every month? Are you even able to get leads? If this is the case, then there is a resolution to revolutionize your agency now. Here are a few Insurance Marketing Strategies that you can start implementing now and will transform your agency within 60 days.

To start off, almost every Insurance Agent focuses all day long on trying to get leads. The day is spent telemarketing, networking with dozens of people, sending out hundreds of letters. Well I could go on forever, but you need to change your way of thinking to be successful. Stop trying to go out and get leads. It is imperative that you become a Marketing Business. This means that you need to set up 4 to 5 systems that run on auto-pilot that actually bring leads and sales To You every month. Basically, instead of chasing leads everyday, you need to educate and communicate to all your contacts on a consistent basis through the internet, email, social media. To be effective and successful, this needs to be done automatically. You just need to manage your systems.

Insurance buyers function differently today, than it has over the past 30 years. The last 30 years, every insurance agent has produced leads and sales the exact same way, via walk-ins, telemarketing, phone book ads, TV ads, direct mail, and so on. Most of these strategies don't work anymore. People search and buy on the internet. It is the easiest and quickest way to get things done. People want the easiest and cheapest way to get things done and in their pocket. Therefore, you need to change your Insurance Sales Techniques and marketing strategies to be where the buyers actually are.

Insurance Agents need to implement A few Websites, use autoresponder - email communication systems, Internet leads (paid and free), Referrals through Social Media, Niche Direct Mail, and many other technology based programs to revamp your insurance Marketing Strategies. Implement systems, that run on auto-pilot and let the prospects come to you every month.

Making changes to your marketing strategies are difficult to do, especially if the changes require learning new technologies. Going tech, probably sounds a little scary and intimidating, but if you don't get into now, your business will be gone within 2 years. It is imperative that you learn and implement all the new Insurance Marketing ideas.




Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy

Important Website and Social Media Basics For Insurance Marketing Ideas

Insurance agents need to implement and revise new insurance marketing ideas on a regular basis. To have successful marketing campaigns, insurance agents need to be aware of how and where people search and buy insurance today. The #1 place where people research and buy insurance now is online, and through insurance websites. The agency website campaign will be the top lead provider for your agency if done correctly. For the campaign to be successful, it must have a strong online presence that brings local or national visibility to your agency 24/7. This internet visibility will build and bring traffic and lead generation at levels that you are probably not used to seeing.

So What Are The Important Steps To Make The Website Campaign A Success?

First agents need to develop a site that is not only rich in great content, but is designed for SEO (Search Engine Optimization). A Lot of agents want to have a beautiful site. They think that people will go to the site, because it is so nice. Unfortunately that doesn't happen. You need to focus on a site that is designed, so that search engines, like Google, will rank them high. Proper SEO for high ranking includes proper keyword definition, Meta tag formation, internal and external linking, pictures and/or video's and great related information. The SEO goal for your website is to get it ranked in the top 5 page rankings for 5-6 targeted keywords.

Driving traffic to your site is one of the top 2 important things that the Website Campaign needs to accomplish. A great strategy to drive traffic to your site is through article marketing. There are a large number of companies that list and promote articles online about just about everything you can think of. The main purpose for article marketing is to get people, searching for certain information online, to find your informative article, either link to your website, or link to other articles where than can get more information. Article marketing is a great way to build trust with quality content, and drive traffic to your Insurance Agency Website.

Social Media networking is becoming the hottest trend to market not only for an insurance agency, but just about every type of business. Examples of Social Media for businesses are Facebook, MySpace, Twitter and LinkedIn. These networks are great resources to communicate with a lot of people every day, and let them know what your business is doing. The purpose of business Social Media is to supply great informative information to all your subscribers and lead them to your website to get quotes and place orders. The #1 tip for marketing your agency through Social Media is not selling to people there. People don't like to be sold. People are online to get information and be entertained. If you can inform and entertain people, they will continue to see what you have to offer. This strategy will get your agency leads and referrals to expand exponentially.

A strong website with article marketing and social media is my best advice for any insurance agent that needs to implement new Insurance Marketing Ideas.



Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy

Top 2 Quick And Effective Insurance Marketing Ideas

If you're an Insurance Agent, you should always be looking for new and inventive insurance marketing ideas to implement into your agency. Not only do you need to implement these ideas, but you need to implement them correctly, so they will actually produce exploding results. For an agent to be successful in the highly competitive insurance industry, you need to set up marketing strategies to build prospect list, and make sure your agency is being seen everywhere where today's buyers are.

Great Websites and Social Media are the top 2 Insurance Marketing Ideas that are bringing in leads on an explosive basis every day to the top insurance agents. Both of these campaigns are based on building prospect list (in the thousands) that can be advertised or marketed to on a daily basis. If prospects see your agency on a daily basis, you will eventually get their business.

Websites: Insurance Marketing Idea #1

Most agents have websites, but the majority of these insurance agency websites are not doing what websites should be doing now days. Websites need to be a home base of information and list building for your agency. Most insurance agency websites have been built, just to be in the internet arena and make you feel that you've actually joined in the technology arena. Most likely your website is doing nothing for you. The top insurance agents understand that the #1 goal for a website, is to build prospect list and generate leads. If your website is not producing list building of several hundred local prospects a month and several hundred leads a month, then you need to change your marketing strategy for your website. This is very easy to do.

Quick tips on what your website needs to have:
* Keyword optimized throughout the whole site
* SEO (Search Engine Optimized) to get ranked in the top 5 listings on Search Engines like Google, Bing and Yahoo.
* Free Giveaway's and Opt-In Forms. Get them on your list by giving them the Top Tip of the month for your product.
* Internal, External and Back links so Search Engines can rank your site high
* Provide great content on your site. If you have great content, people will come back and see what you have.
* Most Importantly link back and forth to your Social Media Sites. Show customers and prospects all your offers and specials.

Social Media: Insurance Marketing Idea #2

Social media is growing to the top of the list for many agents implementing new insurance marketing ideas. Most veteran insurance agents want to stay away from MySpace, Facebook and Twitter. Most of these agents either don't understand the technology end of it, or just don't understand what it can actually do for them. This is the worst mistake they can make. I used to be one of those agents. Then I realized that people are on Facebook and Twitter all the time. Therefore, you will get more leads and sales if your agency is where all the people are. It just takes a little extra effort to understand how to market you agency on the Social Media channels. You need to understand that Social Media is completely different for businesses than it is for personal usage. Businesses use Facebook and Twitter as a way to build list, and market to that list, through information and entertainment. The goal is to get people to read your emails and sales pages everyday. The Social Media channels can accomplish this with great content. Just take a little time every day to learn how to set up Facebook sales pages within accounts.

The best Insurance Marketing Ideas, include SEO optimized websites and production Social Media campaigns.




Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy

How to Obtain Free Insurance Leads

Free insurance leads can be acquired from businesses, which sell leads, or from businesses that give them away. However, in trying to find the easiest method to produce them, you can become discouraged if you do not understand what you are searching for. Free leads ought to be easy to obtain. No businessperson should have to leap through several obstacles simply to get a free lead.

When looking for reputable companies that provide quality leads free of cost, bear in mind what sort of company creates its own product. Businesses specializing in hacking into other sites or even e-mail accounts will not admit that they obtain products unlawfully. They will possibly state that they are not permitted to reveal their techniques, or they will probably provide some type of phony excuse. These businesses may also be those that provide absurdly inexpensive products.

Others that provide ridiculously costly leads will offer you free prospects to lure you into utilizing their services. This tactic is not illegal or improper. Nevertheless, dealing with these businesses could be a budget-buster. Numerous companies tend to be tempted by a free lead. Regardless of how excellent the product or service may be, if it is way beyond your budget, all your resources is going to be utilized, leaving you with nothing for other areas of your product promotion.

Every contact should be an excellent lead even if it is only for free. Simply because the information you obtained is free of charge, it does not necessarily mean that it must be less in quality. Each free contact is a way for a business to achieve exposure, or a company to attract more customers, which is why the contact should properly represent the company providing it.

When you get in touch with a client via telephone, e-mail, or postal mail, bear in mind the search criteria the company makes use of when producing their leads. A businessperson may customize his/her insurance products towards the particular needs of every kind of prospects. If the provider can produce a secure atmosphere with regard to potential clients, they are more likely to land new customers. Therefore, you need to deal with every contact just like a member of the family, treating him or her with integrity and respect. Additionally, keep trying to find methods for getting free leads if this is exactly what works best for your company. Remember, the leads you got for free need insurance as much as those leads that were purchased.



Article Source: http://EzineArticles.com/?expert=Cheryl_Ronaldo

Insurance Leads That Can Improve Your Sales and Success

The greatest way to utilize your time and effort is to actually deliver and provide your sales pitch to individuals who are thinking about buying insurance coverage. If you take the time to hone your sales talk, more quality insurance leads will automatically mean more commissions. Imagine how many more sales you can make, if you dedicate more of your time to delivering your sales presentations to ready prospects, instead of looking for them.

Insurance lead reviews can make this a possibility for you. They generate premium leads from the internet's most accepted search engines, such as Google, Yahoo, Microsoft Bing, and Ask, as well as use their consumer-based websites to qualify the leads' insurability. Their high quality insurance leads can increase your closed deals because they target and connect you with active insurance shoppers who are genuinely concerned in getting insurance coverage. They are looking for information and searching for the best quotes from insurance professionals like you.

Real shoppers use insurance leads guide websites to research on insurance for their requirements. You can be sure that they are genuinely interested because they filled-out the site's survey questionnaire specially designed to draw out their real interest in purchasing insurance coverage. In addition, these websites specifically ask their online visitors if they want to talk to an insurance agent.

Each new lead's contact data is screened and verified using their dynamic validation database. Some of these websites even provide a generous credit replacement window on the unusual chance that you receive an invalid lead. More importantly, they never offer incentives, such as gifts and prizes, so they only get prospects that have the intention of buying any type of insurance.

As soon as the potential customer fills out his or her registration form, and as soon as the information provided was validated, that insurance lead is sent to you through e-mail immediately. This means that you will be able to contact your insurance prospect while they are still interested in insurance. Lead providers can generate filters so that you get leads based on the benchmark that you choose such as policy type, state, zip code, and other factors. You only acquire leads that you are comfortable with and which you consider your specialty.

Lead generators also provide you with their state-of-the-art lead management software, which organizes your prospect database and automatically uploads news leads. Its global flexibility allows you to manage, track, and update your leads data wherever you are. You can double your productivity and increase your commission income with these leading lead providers.




Article Source: http://EzineArticles.com/?expert=Cheryl_Ronaldo

Attributes Of A Good Insurance Agent

An insurance agent is responsible for helping individuals, families and businesses find appropriate protection for their health, property and lives. A good insurance agent should have a firm grasp on the financial products consumers are interested in, the technology to stay relevant and the customer service to build a reputable name.

When choosing a life insurance agent there are a number of different variables to look at. If an agent doesn't possess the characteristics enumerated below, it is highly unlikely that he or she will remain in the business over the long run.

1. Product Knowledge - Along with the basic insurance products, an increasing number of insurance agents offer comprehensive financial services, thereby creating a one-stop-shop where clients can satisfy their needs for insurance and financial planning. A good insurance agent always gets updated with changes in tax and insurance laws that may affect the client's investments.

2. Competitive Customer Service - Even in today's computerized world, a large number of people prefer to purchase a policy by sitting down with an agent rather than going online. By doing this, they reinforce the importance of superior customer service.

The best agents are flexible, enthusiastic, and reliable. Their job is to inspire client confidence through effective communication. In order to help address the needs of their clients, many agents hire customer service representatives to handle client questions, make changes to policies and process claims, thus leaving the agent free to work on finding new clients and preserving relationships with old clients.

3. Persistence - While it may seem to some a negative quality to have an agent contacting the client continually about insurance, passive persistence is a necessary quality in sales related occupation, especially the insurance industry. Agents who are unable to systematic follow-up with prospective clients are unlikely to have long-term success. This demonstrates a zeal the lack of which is detrimental to the agent as well as the customer.

4. Competence - There are too many insurance advisers who lack a standard level of competence in these days. Incompetence can leave one's family in the cold at their time of need.

5. Honesty - A good insurance agent should be honest. But, as in any industry, there are always a handful of bad apples. One should ask their respective agent's if they can talk to any existing clients for feedback, or if he or she has any testimonials.

6. Strong back office support - A good agent should have a strong back office team. This team should be able to assist him or her with administrative issues such as changing beneficiaries, change of address and changes in pre-authorized banking details. A strong back office team can also assist with reports for quarterly semi-annual or annual reviews and provide updates on any policy changes.

7. Complete product shelf - Captive insurance agents are usually limited to one or two carriers, whereas independent agents are free to offer products of a large number of insurers. Although, most independent agents only work with two or three companies. One should try to find an independent agent who deals with a wide range of carriers and is not restricted by any quotas.




Article Source: http://EzineArticles.com/?expert=Jimm_M_Knight

Why Selling Life Insurance Is Better Than MLM Or Network Marketing

People tend to buy what they want and what they need. But no body wants to buy Life Insurance but it is bought because it's needed. MLM typically sells the newest and the latest and greatest idea, thing or concept. People will buy it in hopes that they can use the product as a visual aid to get others to make a similar purchase.

A huge difference with Life Insurance is that you really cannot buy it you can only apply for it to find out later if you have been approved. People are more likely to fill out an application for Life Insurance to see if they qualify in hopes that they can receive its protection. On the other hand with MLM's it's all about buying the dream. But the dream is never real. In other words no matter the product or service in MLM it is never a need. MLM's do not feature anything that you must have. It is all about the emotion just wanting more. The MLM sale is more about the imaginary hype than the reality of the experience.

We Know We All Die

In this world we all die. The only way to get out of here is to die. Reality says that when we die someone will be left to mourn our death. Reality also says that we must be buried and with that comes an expense. If we do not prepare for the inevitable it can create a hardship for our family members thus interrupting the mourning period. To not apply for a Life Insurance policy is like not caring about your family and what burdens may come there way without you.

MLM do not have that kind of power. Cell phones, lotions potions and pills, legal services, water filters, make-up, to name a few, are all being sold as MLM products. True if your car breaks down in the middle of the night having a cell phone would be a great idea. Being told by a judge to not return to court without a lawyer makes having a legal plan essential. However, when the need runs out will we still keep the product? With Life Insurance the need only gets filled one time. The plan is designed to protect us on a daily basis because no one can predict when there own death would occur.

The Unexpected Happens Unsuspectingly

Death is always unexpected. At the writing, a week ago I watched on the news as a teenaged boy makes the winning basket in a high school basket ball game and then drops dead minutes later. How sad, at a moment when he, his family and friends should have been celebrating they all turned into mourners unsuspectingly. Believe it or not Life Insurance is not sold for that reason.

Life Insurance is sold for what it does not for what it is. In the headlining story preceding this paragraph what do you think is most important to the family? After the sons death I do not think the parents where thinking wow I am glad we got that Life Insurance policy. To be honest I bet they never thought about the Insurance at all. One thing that Life Insurance does is take the worry out of unexpected situations. Peace of mind is when you have what you need when you need it. Life Insurance can pay off a home so that after the death of the bread winner a family can keep their home. Life Insurance can fill a need that MLM cannot.

Life Insurance Should Not Be An MLM Product

But what happens when a company try's to merge Life Insurance as an MLM product? The need goes away. The public perception of an MLM is that you buy the product to keep up with the latest trends. Life Insurance is above that trendy thinking. It is a part of a regulated industry that is highly recommended and respected by all financial authorities. Another difference is that to sell Life Insurance you must study for a state sponsored exam and pass it to get licensed. While the testing is not hard many become intimidated over the thought of taking an exam.

The best part about being in a licensed industry compared to the unlicensed area of the MLM players is that those who try to mislead or hurt others can quickly be removed and barred. This protects the industry and the individual efforts of those who genuinely like helping people in need.

Written by Marvin Kane. You can learn more about how to achieve incredible results for yourself. As a work from home marketer with over 20 years experience I inspire people to find out what it is like to earn a real income and then what to do with the money. You should never pay to sell someone else's product.




Article Source: http://EzineArticles.com/?expert=Marvin_Kane

The Best Health Insurance Telemarketing Script

Developing a working script is one of the essential elements of any health insurance telemarketing strategy. While many companies that provide telecommerce have scripts available its advised that you create your own script, at least as a reference so you are getting the qualified prospects you want. There are many reasons behind this including:

* You understand your prospects and their needs much better than another script creator ever will.
* General scripts might have been used by the competition and potential customers could have previously heard them.
* The script will be designed to generate qualified prospects you want, and will not include extra questions which are irrelevant to your needs.

Even though it is important to use a script made just for you there are a number of approaches that can be used to enhance sales.

* Uncomplicated scripts are generally the most effective telecommerce scripts. The prospect has to know why you're calling and why they should be interested within several second of getting on the phone.
* Get to the point promptly, do not go with your entire sales pitch on a cold call, stick with the essentials.
* Keep the goal of the call in mind when creating the script. If you are generating a lead or setting an appointment that should be the objective of the call. Nothing else should be included.

Here is a basic script outline you can follow:

Hi, This is NAME with XXX Insurance Company and we are a local health insurance broker here in your city and we specialize in saving individuals like you a lot of money and improve your medical coverage. With all of our plans you get to keep all your current doctors!

Rebuttals to common questions:

* This isn't a sales call, we just want to verify some of your information and get out a free quote that can save you money on health insurance.This will only take a couple minutes and could save you thousands of dollars.

I just need to ask you a couple quick questions so we can make sure you are qualified and get you out the lowest rate quotes with the best coverage possible:

* Are you currently insured?
* (If yes) who do you currently buy your health insurance from?
* What is your age?
* Do you use tobacco?
* Is there anyone else to be covered with you on the quote? (Wife or kids)
* What is the best email to send the quotes to?

Thanks for your time. We'll have one of our agents call you back with an updated health insurance quote, have a great day!

Once you have your script finished its not set in stone. It can require some changes based on the telemarketer's feedback to get things running smoothly after the calls start to be made. Its also important to write rebuttals for frequently asked questions that callers might be asked.




Article Source: http://EzineArticles.com/?expert=John_M_Tompkins

Getting Insured Is A Must

Professionals are no less fallible than any other human beings, having even a higher exposure, both due to the high expectations of their clients and their heavy workload (and the stress under which they carry out their activity). If you add to this a practice that involves sensitive and vital aspects - like health, beauty or the relationships between people, then getting insurance is a must for overall protection in case of trouble. In fact, legal and medical businesses are requested to purchase professional indemnity insurance according to law.

If you have a medical practice, for instance, you know that different bodies react differently to various stimuli, and, as such, you are well aware of the wide range of unexpected events that may happen. Such a simple occurrence like your client having some soup before the consultation, containing some cauliflower he has allergy to, that he ate completely unaware, may change entirely the course of events and make you and he believe that something was wrong with the injection you administered him. Till things may get clarified, you seem to be guilty and liable to pay. Besides the fact that occasional errors are always possible, you, as a doctor, can be held liable even for the mistakes or misdeeds of your receptionist or your nurse.

But nothing may be more expensive and time-consuming than legal troubles, and, if you have a law practice, especially in our litigious world in which nine cases out of ten end in a court of law, then you are facing huge risks. Whether you are a solicitor that prepares contracts of sale-purchase of property or a divorce lawyer, you'd better have professional indemnity insurance, at least in the form of malpractice insurance, so that to be sure that some figures typed wrongly by your secretary or your own misjudgment regarding some piece of evidence and, consequently, the advice you gave to your client wouldn't make you accountable and oblige you to pay huge amounts from your own pocket.

On the other hand, the self-employed can easily become victim to the claims made by professional lawyers, especially if they don't know their rights. As such, if you don't want to lose everything you have in a split second, in case someone cleverer appears that knows how to turn the situation upside-down, you'd better be properly covered for negligent acts, negligent errors or negligent omissions, or even for something wider as civil liability, which includes also breach of contract, slander or libel.

In any case, whether you purchase contractor liability insurance, employer's liability insurance, malpractice insurance or medical indemnity, according to your specific needs, you'll be protected against any person, company or organization asking for compensations for the damages or injuries you, your firm or your personnel caused it.




Article Source: http://EzineArticles.com/?expert=Paul_James_Harrison

Insurance Marketing Ideas - Basics To Get Started

Three Quick and Basic Insurance Marketing Ideas include using email marketing, using a company website to get leads and participating in social media networking. Approaching prospects in the market with email is sending information like newsletters and offers to qualified leads. Utilizing social networks brings groups of people together and build relationships on the internet. Using a business website is another way to get internet leads.

In using email to market your agency, it is ideal to use an AutoResponder. An AutoResponder is a tool that lets you create several emails at once and have them sent out at regular intervals. These emails are to promote your agency through special promotions, Tips of the week, Advice, Newsletters, Keep In touch, etc. You can basically write a group of emails one time and let them go to your channel of leads every week.

Social media networking helps insurance companies engage with their clients or prospects. It involves commenting on forums, creating business pages on social networking sites and writing regular blog posts. The best way to start a Social Media Campaign is by setting a Facebook Page. A Facebook page is a great way to inform all you clients and prospects on what your agency is doing. It is basically a special website to keep in touch with all your contacts. I think it is the best way to increase sales every month. The only thing is, is that you need to know how to set it up correctly. Just spend a little time online to learn what other people are doing. You can learn a lot by watching some YouTube Videos.

Getting internet leads through a website is another tactic toward successful online marketing. One way to do this is with search engine optimization (SEO). This helps with page ranking. The higher a page is ranked, the more clicks to the site. One free or inexpensive way to drive traffic is article marketing. If a company wants to be responsible for writing the articles itself, it can. However, this means taking production from other areas. There are also many low-cost content services one can use as well.

Insurance Marketing Ideas have moved toward utilizing the Web. Some online tools are the company website, email marketing, and social networking. Social media networking helps build community and respond to concerns about a company. Email marketing sends things like newsletters and offers to qualified leads. Using a website informs people of what a company has to offer and can get people signed up for emails.




Article Source: http://EzineArticles.com/?expert=Kevin_Rich_Kennedy