Insurance Leads

If you want to make a living as an insurance agent or broker, you are going to need some insurance leads to generate customers. Getting information on potential clients may be only a click, a call, or a stamp away.

Generate clients through networking and insurance leads.

One of the best ways to drum up business is offering your products on the Internet. Insurance search engines such as InsuranceFinder.com or Netquote.com allow consumers to compare insurance policies and get free quotes. An agent or broker looking to obtain new insurance leads or clients can promote their best polices and gain exposure through these sites.

A more active campaigner can retain the services of a lead-generating company. These services have insurance leads systems and tools in place to maximize your potential customer base. Tools include:

• Databases – Many insurance leads services maintain a database of potential clients who are quoting insurance policies. The service logs information on consumers who use insurance search engines and sends that information directly to your email account—sometimes in as little as five minutes. This allows an agent or broker to jump on the opportunity and send a quote or policy overview to the potential client.
• Mailings – Some services offer a mailing system. For roughly $.50 per letter or postcard, a service sends a personalized mailer that includes a list of your products, prices, and contact information. Using an agent’s target market criteria, the service contacts potential clients within as little as three days. This is a good way to advertise your business to a large amount of people with very little effort on your part.
• Websites – Other services give you a domain name and help you create a website for your business needs. The service customizes your website so potential clients can see your products and request quotes. By spreading your unique domain name and posting links to your site, you can generate potential clients who like to search the Internet for their insurance needs.

Different insurance leads services do different things, which can make it difficult to determine which service is best. Agents and brokers should take a close look at the price, as well as the level and quality of service that is being offered. The best way to compare lead services is by searching the web. Here are a few sites to consider (Prices noted are accurate as of Oct. 2006):

• Leadpile.com – Offers a database and real-time contact information that can be sent directly to your email account. This service breaks leads down by type of insurance, amount of leads in data-base, and new leads available.
• Stellar Leads Incorporated – Specializes in mailing systems. Offers low bulk rates as well as personalized mailers.
• Annuity Leads – Specializes in annuity leads and offers a package, which includes customized website design.
• QuoteMeInsurance.com – Offers real-time lead service for as little as $20 to $30 a month with no long-term commitment.
• NF Communications – Targets only potential clients who are affluent and over the age of 50. Charges $18 per high-quality lead.
• Insurance4USA.com – A Pay-Per-Lead service. Charges different rates for normal and exclusive leads. A normal medical insurance lead may cost $5.99, but an exclusive lead may cost $15.99. The same prices for annuity leads are $14.99 and $27.99.
• HealthLeads.com – Service specializes in health insurance leads and offers exclusivity by state.
• Insureleads.com – Offers real-time leads on hot prospects, but does not charge on a monthly basis. You only have to pay if you receive a qualified lead.

Getting great insurance leads is only half the battle. Capitalizing on those leads is the real task. If a lead pays off and you sell your product to a client, it is important to maintain that client for renewals. Here are a few tips that will help you do just that:

• Provide Excellent Service – Keeping clients happy, keeps them coming back. Happy clients create referrals.
• Be Competitive – It is important to have competitive quotes to make sure you don’t get priced out of the market. At the same time make sure you don’t sacrifice the quality of a policy.
• Be Flexible – Different clients have different insurance needs. Tailor policies to the needs of your potential and current clients.
• Keep Networking – Communication is key. Keep following up on your leads. Sometimes an extra mailing or quote to a potential client can go a long way. A customer may not respond the first time, but a familiarity with your products may cause a different result the next time around. Maintain your website, update your products and quotes, and keep communicating.

If you want to build a business selling insurance products, you’re going to have to start somewhere. Getting quality insurance leads is the best way to start. Find a service that fits your needs or follow leads of your own. Keep working, keep building, and keep selling.

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