Insurance Auto Quote

The Totally Overlooked Annuity Lead System

admin — Tue, 01 Dec 2009 02:09:29 +0000

I know of a lead generation system that is totally overlooked. It really works and it is virtually unused. So much money is spent trying to market annuities and agents overlook this simple, cost-effective method that is often right under their noses.

I very much enjoy receiving the marketing ticklers from all those FMO’s that want us to work like slaves for them. You know what I mean, you know who they are. They are the ones who can’t sell so they invent. They invent the latest and greatest new system. Sometimes they use celebrities and sometime they use retired football stars but in the end they are all the same. Just a reinvention of another rehash of the same old thing, the secret selling system!

Sometimes it comes in the form of a webinar to learn the “secret” or sometimes it is the CD containing the information we all so desire. The other day I received a phone call from a marketer who wanted to share the “secret” with me and if I would just sign one contract he would share it. Because of my production level I was firm and would never move anything without knowing what was going to happen. So he took a chance and told me his secret and I am sharing it with you… READY? “Lobster!” Offer free lobster and you can fill the seminar room. I thought I would die from laughing…lobster!
But I do have a lead generation system that I work with my other sources and it really works and for absolutely nothing I will share it with you. Here it is…

Mortgage protection leads. They work especially well if you have been selling annuities in the past. These leads are for a perceived need and any good salesperson can expand it to a fact finder and with a fact finder the opportunities for selling an annuity increase.

I use these occasionally to break up the monotony of doing constant seminars. There is nothing that will keep you sharper than not knowing what is on the other side of the door. The uncertainty of the sales process makes you sharper and much more experienced. It doesn’t matter what level of sales you have attained, mortgage leads will make you better. Try it and grow your sales numbers.

There are tons of mortgage lead generation services and systems available. I prefer to use the direct mail approach and make my own appointments. The appointment language I use contains the term “I am going to be in your area and would it be a bother if I stopped by at 3:00 to visit with you about the information you requested?”

It works and it will get you into a large number of sales selling opportunities that will add energy and compensation to your life.

By: Bill Broich

New Year Leads to New Travel Cover and Changes From the FSA

admin — Mon, 30 Nov 2009 18:04:41 +0000

The last year saw major catastrophes, occurring in the travelling industry. Several airlines closed down, tens of thousands of travellers were left stranded overseas as a result, and travel agents were found to be using “misleading sales tactics” to sell holiday goers with their travel policies.

As of January 2009, travel agents will need to be regulated by the Financial Services Authority (FSA) or become Introducers or Representatives of an FSA-regulated company in order to sell travel insurance.

Misleading advice
The travel insurance provider, Sainsbury’s has welcomed the change in the law, and also warned that several people are still at present falling victim to underhand and misleading sales tactics used by some unscrupulous travel agents to ensure that their policies are purchased. This has resulted in thousands of people wrongly being sold travel insurance by travel agents every year.

The insurance provider also revealed that five per cent of travellers, who claim to have bought insurance from travel agents in the past 12 months, – as many as 407,000 people – were wrongly told that they could not book their holiday, unless they also took out the cover being offered by their agents at the time.

Sam Marrs, Sainsbury’s Travel Insurance Manager said: “This is an alarming finding, but it will be much more difficult for rogue travel agents to do this once they are regulated by the FSA. Our research shows that up to as many as 8.14 million people could have bought insurance from travel agents over the past 12 months and the new regulation will provide consumers with valuable much needed protection.”

Moreover Sainsbury’s Travel Insurance’s research also reveals that travel insurance policies sold through travel agents could potentially leave thousands of people with inadequate cover. Some 16 per cent of those who have purchased travel cover from travel agents this year claim they were not asked about any pre-existing medical conditions, slightly down from 17 per cent last year. However the problem of travel agents failing to outline what insurance does and does not cover has become worse, affecting 17 per cent of customers purchasing cover from travel agents in the past 12 months, up from 13 per cent last year”.

Rescue plan from Saga
In the light of all the disruption and distress that failed airlines cause to travellers, the travel insurance provider, Saga Insurance, which specialises in insurance policies for older people; has introduced a new policy that provides cover in the event of an airline failure.

A large and increasing number of older people travel independently. Saga Travel Insurance has stated that it has protected around 2 million holidays, since its inception and the breadth of cover has developed over the years in response to holiday trends and customer feedback. It was following such feedback from our intrepid over 50s customers that Saga Travel Insurance has introduced extra protection covering scheduled airline failure.

In the event of the scheduled airline that the traveller is flying with goes into administration, the new cover provides up to £1,500 for each insured person, for the costs of flights paid in advance, or the cost of return flights to the UK.

This cover comes into effect for new Single Trip and Annual policies purchased from the 2nd January 2009, and on Annual Travel renewals from the 25th January 2009.

Paul Green, the Head of Communications at Saga Group said: “In today’s uncertain economic climate the savvy independent traveller needs to check if their insurance covers airline failure if they want to travel with confidence in 2009.”

By: Ruth Jacob Jacob

Arizona Auto Insurance Quote

admin — Sun, 29 Nov 2009 16:25:56 +0000

Teenagers are bad drivers

Ok, I do NOT really mean that unilaterally. There are good teen drivers. But what I mean to suggest is that their lack of driving experience often causes trouble on the road.

I own an insurance agency in the Phoenix metro area. A client asked if I would teach her 16 year old son to drive.

Knowing there is no father figure in the home, I readily agreed. It would give me an opportunity to get to know this young boy as well and give him some time with a male figure, something I understood was lacking in his life.

As Chris (as I will call him) and I settled into the car I asked Chris if he yet driven. The answer was “Yes”. He and Mom had driven a couple times but she got too nervous to continue.

Chris rounded the first corner and nearly hit a parked car. He did smack the curb around the next corner and almost took out two rather large trash barrels as we moved along the residential street. It was painfully obvious that Chris did not realize he controlled the steering wheel and not the other way around. Another car approached from the opposite direction and it took me pulling the steering wheel to avoid a head on collision. When Chris turned a corner he either pulled too tightly or made a wide loop. Both made me extremely nervous.

Patiently I tried to coax him into driving carefully, looking ahead, planning his approach to oncoming lights and turns. Chris got better. He improved week after week.
THEN I NOTICED A CHANGE.

As his confidence grew, so did his speed. That, I realized, is probably the primary mistake most teen drivers make. They confuse experience with quality.

Chris took off from every green light as if it were a race. He stopped in much the same jolting fashion. I felt like Dale Earnhardt was behind the wheel. My requests for “slow down” fell on deaf ears.
That is until we nearly were involved in a accident merging onto a freeway from an on-ramp.

My advice to Chris and all teen drivers is this: 1) do not drive faster than your experience or comfort level dictates, and 2) do not tail gate.

I wonder how many accidents would be avoided if we all followed those two simple suggestions.

By: Gary Brown

Insurance – Get the Best With Skilled Agents

admin — Sun, 29 Nov 2009 10:09:51 +0000

The perfect insurance program should be balanced and designed with the high limits for major loss. You can only achieve these two aims in your insurance program with the help of an expert insurance agent. The agent who would be an expert on all the purposes that you want to accomplish in your insurance program. For example: one of the most important aspect of your insurance program is the price. I know that many people would say here” what is the pig deal? or what is the new thing “. This point deceive many people. Where the price which is the most important is not what you will pay in your premium, but the costs that you will have to pay at the claim time.

That is to say, you can find that some people pay the whole of their attention to the premiums. Then they come to be surprised with the uncovered claims which would cost them what they can never afford. In this respect, we want to shed the light on the fact that, when the matter is related to the insurance costs you should know that it is easier and safer for you to pay more money on your premium than you bear the burden of the uncovered claims later.

What exactly makes the balanced insurance program?

we have mentioned the five major risks that would face man along his lifetime as : damages housing lead to damage or total destruction or sudden death or injury that lead to a person’s permanent disability or illness that requires a lot of expenses( medical bills) and lawsuits. Accordingly, the balanced insurance program should cover all these five major risk equally.

Accordingly. Don’t insure one of these aspects without the other. If you insure yourself against diseases and obtain the insurance cover that is good and cover the costs of medical bills, what would you do if you faced a long-term disability? Here, you need to answer this question and you will see that not to insure yourself against a long-term disability is a very wrong thing over time.

That is why you need to carefully find a highly-skilled agent. That is how you can get the proper help to determine that you have chosen a balanced insurance program or not and to be sure that have got the best competitive and manageable price for your insurance program. He would give you many options and suggestions which suit your demands and match your case.

The adaptation of each insurance policy, in order to fulfill all your demands and needs, can be considered as the second factor for getting the perfect insurance policy. If it said to you,” Don’t worry or care about your loss or the costs of this loss, as we will cover it in full”. That of course the ideal and the perfect insurance policy.

It could be some how difficult of everyone to find that ideal insurance policy everywhere. So, it would be better of you, if you couldn’t find it, to use more than one policy, so that you can get the insurance coverage on all or most of the major risks of you life.

By: Frank Areeb

Lead And Prospect Generation – How To Be A Successful Insurance Agent!

admin — Sat, 28 Nov 2009 10:50:29 +0000

It is difficult enough to sell a visible product or service; it is even more difficult to sell a concept or convincing a customer to pay in advance for some eventuality which may occur sometime in the future. Though insurance is an excellent safeguard against mishaps it is often difficult to get people to believe in it to the extent of investing their money.

Under these circumstances, to see your insurance business grow, it is very important to go about marketing various products offered by you in the right direction and be successful and adept in lead and prospect generation. Any business requires extensive advertising. Making your product or service visible to as many people as possible is one of the most important aspect of business.

Today, we are lucky to have the powerful medium of the internet to explain about our products or services whatever the case may be to a large number of people all over the world. Here we have a host of sites offering promises of enhanced business opportunities on payment of a minimal amount. With the amount of competition on the internet, it often becomes difficult to distinguish between a genuine and a bogus claim.

It is also impossible to call so many clients on the telephone, explaining various insurance products on offer on a continuous basis. You may have excellent products and schemes but may not have the time to make hundreds of phone calls.

Choosing an effective advertising medium is sure to make your insurance business grow leaps and bounds. You could target the right customers and generate a huge volume of business. Lead and prospect generation has never been easier. The auto recruiter software is an innovative voice broadcasting lead generation system which actually brings customers to your doorstep. You do not have to chase your clients. All you have to do is to become a member of this incredible system, sit back, relax and wait for your customers to come searching for you.

Just as there are a lot of insurance companies looking for the right customer, there are a lot of customers looking for the right insurance agents. To bring both in contact is what the auto recruiter system does. You need to just pay a negligible amount for a voice broadcast offering information on your service which will call a huge database of prospects.

Customers who are looking for insurance companies are sure to then contact you. All the auto recruiter system does is to bring the right buyer and the right seller in contact. Lead and prospect generation becomes as easy and effortless as this. This is a great opportunity to take off on your insurance business.

So, what are you waiting for? You could be one of the most successful insurance agent or company….join this incredible system and wait for your phone to keep ringing asking you for your insurance solutions…

By: Keith L Scheafer

Insurance Marketing Services – Beware of This Unforeseen Web Site Pitfall

admin — Thu, 26 Nov 2009 06:50:56 +0000

Are you an insurance professional who has hired an SEO Internet consultant, spent thousands to build a new Web site, secured decent traffic, but still has very few leads? If it’s any comfort, you’re not alone. Many hope that their fancy, new search-engine-optimized sites will be a fountain of leads. Often, they’re sadly disappointed.

What’s the problem?

In the quest for key words, high page counts and generous content, many Web developers forget a basic truth: You can lead a horse to water, but you can’t make him drink – Translated for Internet world: Just because they find you, doesn’t mean they’ll buy.
To motivate a customer to take the next step, a Web site must be much more than search engine optimized. It also must be lead generation optimized.

What does a lead generation optimized site contain? Here are five must-haves:

Compelling, interest-generating headings and subheadings Interesting offers like white papers, case studies, discounts or newsletter subscriptions to persuade readers to step into the selling cycle Short, easy-to-complete lead forms (five fields or less) so prospects aren’t deterred by complexity Meaty, credible content that includes client testimonials, success stories and work examples – screens that “show” instead of “tell” Clear calls to action that tell the reader how to take the next step and why she’ll be glad she did

Here are a few things that lead generation optimized sites avoid at all costs:

Boring headlines “All about me” content Long strings of key words that sound like blah-blah-blah Dead-end screens without directional links to guide the reader forward through the site Complicated applications Confusing and redundant navigation Placing important copy, offers and calls to action “below the fold” where they’ll never be found without scrolling

Just like wine, chocolate and other life pleasures, search engine optimization is great – in moderation. Balance is key. Sure – you have to make it easy for people to visit your site. But, you had better be a gracious host once they arrive. Provide lively conversation, plenty of interaction opportunities and offer a few gifts. It will be nearly impossible for them to leave empty-handed.

By: Heather Sloan

Follow the Lead

admin — Thu, 26 Nov 2009 02:34:24 +0000

It has been said over and over again by our peers, and my practical sales experience continues to shout it to me loud and clear. Follow the lead no matter what you think, don’t pre-judge the potential annuity client. For those of you who know me, I do a combination of Seminars “The Frugal Man’s Trust” and pre-set annuity appointments generated from a mail response card. In recent years I have had better luck with the pre-set annuity appointments generated by the mail response cards, and I continue to work this method of attracting annuity leads. I can’t stress the fact enough, to not pre-judge the appointments. The reason I say this is because of the experience I personally have had running these appointments.

This past week I was getting a little lazy and was looking to shorten my work schedule by trying to pre-qualify my already booked annuity appointments. Let me start off by saying I was on a hot streak with my appointments and all the meetings were great with good amounts of investable assets. We all know that when you run these appointments over a long period of time, that they run streaky. Nothing, nothing, nothing, broke no show, and then bang. It’s been going like that for me for years, let’s say almost thirty years. The system never fails, only your work habits or your faith in what you’re doing changes.

So anyway it’s Wednesday afternoon and I’m thinking about going striped bass fishing on my boat and I figure I will start calling my appointments for Thursday, rather than just showing up. (Don’t do this ever) I called the one for 9:00 A.M and I determined that they didn’t have enough money so I sent them something in the mail and supposedly saved my self some gas and some time.

I called the second one that I had for 2:00 and she had $275,00 and turned out to be a sale for next week, but the kicker for the day was that I called the third appointment and it was to be with a husband and wife, he was age 57 and she was age 65. I spoke with the lady and during my phone interview it sounded like they were dead broke and that she either had very little memory, or that she actually did not know anything about their finances. I asked to speak with her husband but he would not be available until 8 or 9:00 A.M Thursday morning. So I called Thursday at 8:00 A.M and he said that his wife had Multiple Sclerosis and that he was pretty much broke, had a large mortgage, and was worried if he could ever retire. He sounded like such a nice guy I said to myself I will get paid in other ways down the line.

I was at his home by 9:00 A.M. and met with them. She was in a wheel chair and had difficulty speaking. I asked her my pointed questions to bring her into the conversation along with her husband and it all went well. I explained several options available to them and pleasantly I was surprised that he had an IRA of $56,000 invested in a tanking mutual fund. It gets better, out of the living room comes not Chris Hansen from Date Line, but the potential clients Mother who was living with them. She said she liked what she heard and that she had $400,000 with Ameriprise and that the agent indicated that she was all set and didn’t need to do any other planning. He told her that she had enough money invested to pay for her care for about five years and that she should be fine. We immediately set a time for me to come back next week.

As I asked the mother more questions, my guess was that the Ameriprise agent was either lazy, just didn’t care or didn’t have the Medicaid planning education behind him so he made up what he thought was a good answer. To sum up the story, don’t pre-qualify, or pre-judge your appointments. You never can tell who or what’s behind the wall in the other room.

By: Peter Lepage

Joint Mortgage and Life Insurance Providers

admin — Mon, 23 Nov 2009 01:39:01 +0000

In order to have a secure future, it is important that you get life insurance and coverage for your mortgage. It is customary for insurance firms to provide individual coverage plans for every type. There is a wide variety of insurance options like: life insurance, mortgage insurance, health insurance, fire insurance, vehicle insurance, and even aviation insurance. Since situations are unpredictable, a specific insurance plan must be developed in advance. Insurance plans furnish sufficient coverage that protects the client and their family members.

Homeowners worry about mortgages. Most people need to take out a mortgage to buy a home. Mortgage companies will pay big bucks for these leads, which represent homeowners looking for mortgages. Homeowners get their mortgages from banks, which publish interest rates on mortgages on a regular basis. Finding the right protection for their mortgaged house is their chief concern after mortgaging their house. Now that you’ve done that, it’s time to concentrate on finding a policy that is the right one for you.

Some insurance companies even provide insurance for mortgage protection. Decreasing term life insurance is also offered under some joint life and mortgage insurance policies. You can purchase special insurance that will stipulate that your insurer will pay off your mortgage if you die, so that your loved ones are not stuck with the bill. In order to ensure full payment on your death, you will have to pay a monthly premium throughout the policy term.

Combined life and mortgage insurance will cover you for a pre-determined period of time, and then will pay you or your family money intended to pay off your loans or mortgages after you die. The monthly premium that you have to pay will probably remain constant, decreasing only when your loan or mortgage is near its term. You are required to request a repayment mortgage, which is partly to pay the original mortgage amount and partly the interest of the mortgage.

Certain businesses will permit you to include coverage for disability. Insurance companies disfavor, and rarely offer, mortgage disability insurance. Only if you were diagnosed with a serious illness that falls under the qualifications outlined in the policy that is how this type of policy will pay out. If you have paid for mortgage disability insurance but do not die before it expires, the policy will never pay you.

There are pros and cons related to a particular characteristic of joint mortgage and life insurance. One advantage is the how reasonable the premiums are. The rate is low because this is insurance, not an investment. Hence, this is the regrettable part. Because there is no investment component, when the term is over, there is no asset left. When the term ends, the policy has zero value.

The combination of life and mortgage insurance is not offered by any company in the United States. This kind of policy is more common in Great Britain.

By: Renata Lavlor

The Awful Truth about Annuity and Insurance Leads

admin — Fri, 20 Nov 2009 20:46:21 +0000

You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars – others are over one-hundred a pop.

I was curious, just how good are these insurance and annuity leads? I decided to find out.

I’m not going to name specific insurance and annuity lead websites, but I will give you a summary of how it all shook out.

Insurance and Annuity Lead Website A:

Cost: Cheap

Results: Terrible. 10% of the leads my staff called got number no longer in service recordings. The rest: the people had no idea what we were talking about. They were not interested in annuities, insurance or investments, nor did they remember filling out a request for information form on the internet.

Sales: 0

Insurance and Annuity Lead Website B:

Cost: Average

Results: Terrible. Prospects didn’t recall filling out request for information on anything related to annuities, insurance or financial planning. Most just hung-up.

Sales: 0

Insurance and Annuity Leads Website C:

Cost: Expensive

Results: About twenty percent remembered filling out a request for info. However, they had been called numerous times by different agents. Most were getting sick and tired of the calls. A few had begun working with other agents. Most hung-up angrily.

Sales: 0

I spent two-thousand dollars on this experiment. I did not find one-receptive buyer. I had thrown away my money, not to mention time spent by my phoning staff to contact these “hot prospects”.

What the heck was going on? How could these websites sell such garbage?

I poked around, wrote a few e-mails to ‘industry experts’, not surprisingly, nobody got back to me. Luckily, I did end up making contact with a marketing person who had previously worked for a big lead selling outfit. She gave me the juicy details of how the majority of these lead companies operate, whether it is insurance leads, long-term care leads, annuity leads, or MLM/Work-from-Home leads. They all employ the same methods.

Method #1: You send cute E-card to your mother wishing her a happy birthday. You fill out name, e-mail and click send. Your name and e-mail are captured. If the site is a lead harvester masquerading as an e-card site, you will now be e-mailed by people looking to sell you annuities, business opportunity offers, etc.

Method #2: Leads site buys huge database, often just regional phone book listings. They sell these ‘leads’, which are nothing more than names and numbers picked from the phonebook. Some of these people may even be on the Do Not Call list, which could land you in hot water.

Method #3: Harvesting leads from search engines. Often these leads are quality, but are expensive to capture, so the leads companies will sell the leads over and over. By the time you buy the lead, it could have been sold twenty times. Sometimes you’re the first to buy and you will find some quality prospects, more often you’re not.

Method #4: Internet robots crawl web sites hunting for e-mail addresses associated with insurance and annuity content. Somebody might be inquiring about annuities on a newsgroup or forum, next thing they know they’re getting offers from annuity companies. The Annuity Lead companies don’t let you in on how they’ve harvested the leads. It’s called spam and you could get in serious trouble for contacting these people unsolicited.

My contact did say there are decent leads sites. She said to check their policy to see if they guarantee the leads. Keep in mind, just because they have a guarantee doesn’t mean you’ll get your money back if the leads fail to produce results. But often sites with some kind of guarantee are sites that harvest only quality leads and only sell them once.

If you’re still of the mind to try internet leads my advice is to try just a few. Don’t buy into a huge program that requires a minimum monthly or a large upfront purchase. Experiment a little with a cross-section of sites. Who knows, you may find one that’s legit that’ll help you make some money.

By: Bill Broich

Online Auto Insurance Quotes For Full Coverage

admin — Fri, 20 Nov 2009 17:43:42 +0000

When comparing online auto insurance quotes, it’s wise to compare policies to see what each company’s “full coverage” offer includes. When auto insurance agencies mention “full coverage” this means you’ll receive full coverage within that particular company’s guidelines and policies.

If you obtain a car insurance quote online and only look at the premium rate and the statements made by the company, you might be in for a big surprise when you need to make a claim. Never blindly enter into a policy agreement merely because it is called “full coverage.” A full coverage policy does not mean the company will cover any and every thing that could possibly happen to you or your vehicle.

Every auto insurance policy has limitations and exclusions. Limitations are often based on your car maintenance habits. If you neglect your automobile or fail to meet certain requirements for mechanical maintenance (such as oil changes or brake maintenance), then the company will not cover certain types of damage. When reading a full coverage policy and when comparing car insurance quotes online, don’t only read what’s covered but also read over the company’s limitations and exclusions carefully.

Full Coverage Policies Explained

A full coverage policy will usually include the following: liability (coverage amount is dependent upon the legal requirements in your state), collision, comprehensive coverage, towing, rental reimbursement, roadside assistance, coverage for uninsured and underinsured motorist, and coverage for medical payments. The policy may also include property damage and bodily injury coverage. Though all these may be covered by two different insurance agencies, this doesn’t mean the policies are identical. Each auto insurance company is different, and these types of coverage are offered within a company’s own policy limitations and requirements.

When obtaining auto insurance quotes online for full coverage, you must factor in your driving record, the age and value of your car, your age and gender, discounts, where you live, and possibly even your credit rating. Look for quotes on policies that offer all the coverage you need within your budget. When comparing liability, buy more coverage than you feel you’ll need if possible.

Examine Policies

Before signing on the dotted line, examine the full coverage policy carefully and be sure you understand all the coverage provided as well as the agency’s limitations. Ask for an exact quote based on your personal and vehicle information, and also determine a payment plan that will work for you. There should be no unpleasant surprises!

Some online companies might provide a downloadable list of coverage types you’ll receive and a policy outline. Print these and keep them for your records in case there are discrepancies in your actual policy. You’ll find that online auto insurance quotes for full coverage are the most expensive, but full coverage also gives you the most protection for your money. Compare quotes and policies online today to save hundreds per year for this thorough coverage!

By: Chris Robertson