Insurance Info

Why “Hunting” for Life Insurance Leads is the Worst Option

Insurance companies have done a horrible job at marketing their products. Let’s face it, all the commercials that you see on your television are related to stocks and mutual fund type investments. Finally, when an insurance commercial does come on, it’s about the least informative commercial you could possibly see. Marketing for insurance leads does not have to be a painful process. If you are not getting any results with your current marketing strategy, then I am glad you are reading this article to help improve your life insurance lead inflow.

If you are a licensed life insurance agent, looking for life insurance leads the old school way by either doing seminars, putting up fliers; be it on cars or doorsteps, or buying lead lists like I was, you are going down the wrong path. You may get some results from those types of lead strategies, but at what dollar cost? I don’t even want to think about the amount of time that I have invested in those strategies.

Attraction Marketing is Gold for Insurance Leads!

Attraction Marketing is a very great, inexpensive way to get life insurance leads coming to you, rather than you hunting for them. How in the heck does Attraction Marketing work exactly? Well, I am glad you asked. In a nutshell, you establish yourself as a point of information rather than a sales pitch. Lately, more and more people are refusing to watch television and read newspaper advertisements. The reason why they stopped is because they were tired of constantly viewing advertisements that had no informative value what so ever. It’s not about sell sell sell. Continue reading ‘Get Life Insurance Leads – The Simplest Yet Most Effective & Tangible Approach’ »

Often overlooked during an insurance purchase is a carriers financial rating. It is important to at least know what the financial rating of your insurance carrier is. AM Best is a widely used credit rating organization specializing in the financial and insurance sector.

The AM Best system is an easy way for non-insurance folk to understand the quality of an insurance carrier’s financial stability.

Most carriers you are going to find at the retail level will have AM Best ratings of A- or better. Occasionally you will find a carrier with a B+ or B++ rating. For the average personal home and auto purchase you have nothing to worry about if your carrier is rated B+ or better. Follow the link (Click Here) and check out the rating for your current insurance carrier. Continue reading ‘Know Your Insurance Carrier's Financial Rating’ »

Times certainly haven’t been helpful in terms of securing both individual and family insurance. Providers are enforcing stricter and stricter requirements before they approve an application for a policy and worse, the fees aren’t getting cheaper. While most people would like to have an insurance of sort to secure their families’ welfare, they simply couldn’t afford it.

There are many reasons why people would tend to be keen on getting health insurance. Others have what are called pre-existing conditions and there are those who simply want to be sure they have something with which to provide a family member’s medical needs when they arise. Families with children would probably want this type of insurance the most since kids are always more susceptible to sickness. Unfortunately, as mentioned, the policies are getting more and more expensive. Sometimes, parents simply have to deal with their inability to buy insurance. Or yet again, they could take the other route – get employment where this insurance comes as a benefit. Continue reading ‘Insurance at Work’ »

Now that you have a boat of your own to enjoy, your first thought is probably how soon you can get it out onto the water, but before you actually do that it is critical to make sure that you have protected it with boat insurance. Just like any other possession, such as a home or a vehicle, it is important to be sure that your valuable asset is covered with insurance. Which type of boat insurance is right for you? If this is your first boat, the many different options for boat insurance can certainly be confusing.

Let’s take a look some of the different insurance options that are available for your boat. First, there is full coverage boat insurance. This is also sometimes referred to as comprehensive coverage. This type of insurance provides you with the largest degree of coverage. It will protect your boating vehicle against damage from accidents, vandalism, theft, collision and fire, regardless of whether it is ashore or in the water. You can also add a liability section to this type of coverage insurance that will provide coverage for any damage that might arise due to either bodily injury or property damage. This combination of coverage will ensure that if anything should happen to your boat or if any damage should be caused by your boat, that you will be protected. Continue reading ‘Understanding Boat Insurance’ »

Shopping for car insurance is not fun. It isn’t like going shopping for shoes, or even groceries. You don’t come out with a purchase that you are proud of or even one that you can actually use. When you go shopping for auto insurance, you usually feel like you just threw a bunch of money away on absolutely nothing. But, you still have to have it – the law says so, and so does common sense. Without auto insurance, you could put your life, your car, and your family at serious risk. So, getting car insurance estimates is an important part of being a responsible driver.

However, when you get these estimates and how you go about doing it is very important. Insurance companies may tempt you into shopping around constantly for auto insurance, but this is not a good idea. The best way to do your auto insurance shopping is to do it all in one day, in one sitting. There are several reasons for this.

First of all, every time you get car insurance estimates, your credit is pulled. And, the more this is done, the lower your credit score will be. Believe it or not, your auto insurance rates are partially determined by your credit score. So, in effect, by getting a quote, you are raising your rate. Be careful! Make sure you get quotes on one day and the effect on your score will be much less. Continue reading ‘Why You Want to Buy When You Get Car Insurance Estimates’ »

Due to the fact that trade journals are having a hard time during the recession, and losing subscribers due to businesses failing, more and more of these publications are turning towards their readers and folks in the industry Association to write articles and content. If you pick up a trade Journal in almost any industry today you will find articles about insurance, written by an individual who specializes in that particular industry sector niche in providing insurance for the businesses that participate in that field.

There is a huge demand for insurance articles and articles like that in the trade journals, as they are trying to cut costs, and get rid of expensive reporter salaries. In fact, if you call the publisher of nearly any trade Journal and offer your writing services, and show them the byline you intend to use, you will be surprised how many of them will take you up on submitting a free article to their publication. Continue reading ‘Insurance Marketing – How to Write Insurance Articles For Trade Journals’ »

Whether you are a pet sitter, run a janitorial service, or sell insurance, it is in your best interest as well as in the interest of your customers to purchase a surety bond to back your service. Here are some of the many advantages of being bonded.

What is a Surety Bond?

There are many types of bonds and just about any kind of business, individual project or even individual people can purchase one. In a nutshell, a bond company will ensure backing to someone who is offering a service to a third party. For example, a plumbing contractor may purchase a bond that guarantees that the bond company will see the job through to completion should the plumber not be able to for some reason, or if the job was not performed to satisfaction. Continue reading ‘The Many Advantages of Being Bonded’ »

Worker’s Compensation (or workman’s comp) is a crucial part of the stability of our modern day workplace. Without a good compensation program in place, worker’s could be left out in the cold after an injury incident.

This article is here to explain what exactly worker’s compensation is, and if you are eligible to receive it.

What is Worker’s Compensation?

If you are on the job 8 hours-a-day 5 days-a-week, there is a definite risk of getting hurt. After all, your job takes up the bulk of your day! Worker’s compensation is an overarching program that gives employees the right to covered medical care or financial relief.

A stronger definition: “Worker’s Comp is a form of insurance that provides compensation medical care for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence. While plans differ between jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment. General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in worker compensation plans.” – en.wikipedia.org/wiki/Workers_compensation

For worker’s compensation to take effect, an injury or illness has to occur during the course of standard employment. Continue reading ‘What is Worker's Compensation? Can I Get It?’ »

So you’ve bought a boat, congratulations! That is a big investment and will be a joy to you for years. Now that you have a boat you’ll need to know all about insurance. Boats are vulnerable to all sorts of risks that you have no control over. Technical issues, body damage, collisions, even theft. Even if you are not required to be insured, buying boat insurance offers you protection on and off the water.

Buying insurance for you new boat can seem complicated, but really all you need is a boat, a computer and a little know how. First you should evaluate what kind of insurance you need based on the type of boat you own. Classifying your boat is an important step in buying boat insurance. For example, if your boat is 26 feet long or under, you should be getting insurance under the lower classification. If your vessel is over 26 feet it must be classified as a yacht and you’ll be buying boat insurance of a different type. Also figure out the current value of your vessel and what kind of depreciation it will undergo. This will help you in your decisions when choosing the right insurance. Continue reading ‘Be Insured on the Water Too’ »

Shopping for a car insurance quotation is not fun for anyone, no matter what they tell you on television. It can be time-consuming, frustrating, demeaning, and you feel as if you are buying a product that you never see, feel, touch, or experience. In fact, the insurance itself is useless almost all of the time, unless you actually get in an accident or have your vehicle vandalized or stolen.

So, it is vital that you do all you can to eliminate the pain of insurance shopping by being prepared. You can make it quick and easy if you have all of your information ready and are willing to put in an hour or so worth of work.

1. Getting a car insurance quotation can be made a lot easier if you have several documents ready: your driver’s license, your Social Security number, and your current insurance policy. Continue reading ‘How to Get the Best Car Insurance Quotation’ »