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Build A Massive Insurance Agency - Strategy Revealed Part Two!

By George A Coriaty
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Expert Author George A Coriaty

Build a massive insurance agency,strategy of the master revealed, this is my second article in a series. In my first article, we uncovered the importance of building solid leads in the form of referrals and the strategy of achieving that very important goal. I built a massive insurance agency in California and was called "The Master" by many agents who knew of me or attended one of my seminars. I am going to reveal to you a method to build that massive insurance agency and the massive income that comes with it, that you have all dreamed about. Do I have your attention? Good-now let's get started!

With the ever evolving internet, a new media has been developed that will be a very important facet to help you build a massive insurance agency and massive income by giving you a lucrative presence online, your own website which will build you an amazing leads generation machine and build a massive income!

In this author's view, if you place all the facets together that I have given you in my formula in my previous several articles-your chances of achieving your goals will be greatly enhanced. Since I retired from the insurance industry and sold my agency, I have attended a series of demanding classes and learned who to build websites. You don't have the time to accomplish this task, so I have a better idea for you. Consider joining an Affiliate Marketer that has the expertise to help you design the perfect website for you. They will also train you to drive quality traffic to your website which build you a leads generation machine that will be key to you achieving building that massive insurance agency and massive income!

The great thing about these Affiliate Marketing firms, that have this important expertise is, you will have the opportunity in designing your custom website that exactly fits your goals and targeted market. This method is going to save you a bundle of money by getting your new custom website built and running. It will cost you a small fee to join the Affiliate Marketing firm of your choice to achieve your goals. However-they will be a key facet in training you in how to drive that all important quality traffic to your website which will build you a solid stream of leads that will almost guaranty you building a massive insurance agency and a massive income of your dreams! Happy Marketing!




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Insurance Website Templates - Are Templates a Good Choice For Your Insurance Agency Website?

By Aaron Kassover
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Insurance website templates are the fastest way for an agency to get a website up and running. They are a practical and cost effective alternative to hiring a designer to build your insurance agency website from scratch. With website platforms available to insurance agents today, using a template will not only help you get your site up faster, it will give you more flexibility to add to your site in the future.

What is an insurance website template? They are pre-created website designs that you customize to create your insurance agency website. Some templates may be downloadable, requiring you to edit the HTML and CSS files on your computer and then put them on a website host. Other templates are bundled into an insurance agency website platform, letting you easily change and update your site without any special technical knowledge.

Why is using an insurance template better than hiring a website designer? There are several reasons:

By using templates, you will be able to launch your site much more quickly. Some systems will help you get your agency website up in less than an hour.
Insurance templates will save you money. Because you are not paying a designer for hours of their time, launching your agent website with templates will cost you less.
You benefit from proven designs. Because template designs have a chance to be tested, they are more likely to be well suited to marketing your insurance business online.
You get choice. If you hire a designer, you will generally get one design from them. With insurance website templates, you have more options to choose from.
You are in control of your website. If you select a template that is bundled with an insurance website platform, you will be able to easily change and update your website without paying an expensive web designer.

What should you look for in insurance website templates? Not all templates are equal. There are several things you should look for:

Insurance specific design. Avoid generic templates that are not designed with insurance agencies in mind. Look for a template that is intended on meeting the unique needs of an online insurance agency.
Standards compliant code. You want your website to work across browsers, so look for templates that are built to the W3C standards. If you are not sure, ask if the template is "w3c standards compliant".
Support. See if the template designer will provide you with support. Ideally, they should provide you with a phone number to call if you have any questions.
Bundled content manager. Editing templates on your own can get very time consuming and complex, and the end result may not be as professional as you would hope. Look for an insurance website template package that includes an easy to use content editing system.
Content library of professionally written insurance content. You do not just need a good design, you also need good content. Writing content can take hours, so look for an insurance website template that includes a library of insurance-specific content you can put on your site.

Template systems are a great way to get your website launched. If your insurance agency already has a website, you may consider moving to a template platform so you can update your agency's site more often. No matter how you choose to launch your insurance agency's website, the most important thing is to establish your agency's online presence. Insurance website templates are often the best way to go.


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Virtual Insurance Agency - The Ultimate Green Office

By Jeff Nordahl
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Insurance agencies have excellent potential for being transformed into 'green' virtual offices. If you want to limit your business' carbon footprint, and you hate commuting to work, then this article can give you some tips on how to transform your insurance agency into a lean, green, enjoyable money generating machine.

Find a niche insurance product that can be sold on the internet

The internet has allowed online insurance websites to reach national and international customer bases. The trick to successfully selling insurance on the internet is to find a small niche insurance product that customers from around the country or world will search for. Some examples could be adventure travel insurance, Christmas tree lot insurance, international health insurance, and my personal favorite, auto insurance for people who drive their cars to Mexico. These products are extremely small when considered on a local level, but if you can market these products to the entire country or world, your customer base can be huge. There may only be 15 Christmas tree lots within 50 miles of your home, but there are thousands throughout the country!

Another important factor in choosing your product is the simplicity of issuing the insurance policy. The simpler, the better. Online insurance does not work very well if you need to fill out 20 forms and fax documents back and forth for days. Your goal is to find a product that has the potential for the customer to issue the policy themselves through an online insurance application.

Set up your website and Virtual office call center

Once you have your insurance product selected, you now need to build your website and create your call center to service customers who have questions. This is where you can implement the virtual office concept. A few years ago, call centers needed to be housed in one central office building. Customer service representatives would be crammed into cubicles while the manager would watch over the employees who were hooked up to the local phone system network. Today, with the availability of Voice Over IP (VOIP) network phone systems, you can create a virtual call center where your customer service workers are working out of their homes. A VOIP call center phone system functions exactly like a centrally located phone system, but the individual call center phones can be located anywhere in the world as long as they are connected to an internet connection. Instead of cubicles packed into one building, each employee's house is now that employee's cubicle.

Choosing your VOIP solution

Unless you wish to maintain your own phone system, it is highly recommended that you look into signing up for a hosted VOIP phone system. A hosted VOIP system means that the actual phone network system is housed by a VOIP company in their data center. The only equipment that your business physically owns and maintains is the actual VOIP phones. The VOIP phones tend to cost a few hundred dollars each, and they function exactly like a normal network phone. The only difference is that you plug a VOIP phone into an internet cable instead of a phone jack. The hosted VOIP company will configure your call center to your exact specifications with features such as, voicemail, call transfers, call queuing, on hold music, and any other features you would use in a standard call center.

In order to monitor the productivity of your employees, you can also set up call logs to track all of the activities and create reports for each individual's phone activities. Although you can not physically breathe down your employee's neck, you can keep an eye on your employees through their call logs and you can also listen in on their conversations if needed.

Green advantages of a virtual insurance agency office

Depending on the number of employees in your call center, you have now eliminated multiple cars that commute to work every day. You also are no longer paying energy costs and other expenses involved with running an office building. If you want to go a step further, you can also install solar panels at your home office, and you can leverage the commercial tax credits that tend to be higher for commercial solar systems. The beauty of insurance products is that you have no inventory. Unlike most e-businesses that sell products that need to be warehoused and shipped, insurance is merely a promise with a policy number assigned to it. For this reason, insurance agencies can have zero shipping and inventory, and all documents can be sent electronically instead of through the mail.

Obviously, setting up an insurance agency and virtual office is not something that happens overnight, but if you brainstorm these concepts, you just may find the perfect business idea that can be green, profitable, and allow you and your employees to work from the comfort of their own homes.


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Selling Insurance on the Internet - Can a Small Insurance Agency Website Compete?

By Ryan Grabenstein
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We've all seen the TV ads offering great savings on car insurance online. Companies like Geico and Progressive pump millions of dollars into promotion of their auto insurance websites. Whether or not it's a good thing to have the uneducated public buying car insurance without the advice of an insurance agent is a debate unto itself. The purpose of this article is to determine whether small, independent insurance agencies can compete with the "big boys" when it comes to buying insurance online.

What the Public Doesn't Know can Cost Them

When the buying public surfs the internet looking for insurance savings, chances are they will do one of two things. First option, they may go to a known brand name, such as Safeco, Geico, or Progressive and obtain a price quote. Second option, they will search for a local insurance agency through their favorite search engine. Regardless of the promise of big savings, many consumers are more comfortable working with an insurance agent to guide their buying decision. With little knowledge of how insurance works, what coverages they need, and what companies are available, the majority of consumers are willing to pay a little more to get the advice of an insurance agent. But what most consumers don't know, is that they can usually save MORE money buying through their local independent insurance agent rather than buying online.

Independent Means Choices

Independent insurance agencies write with multiple insurance companies, two of which may actually be Progressive and Safeco. These two companies not only sell insurance online through their own websites, but also through independent insurance agencies. This allows consumers to not only get a competitive price on their insurance, but they also get the benefit of an agent's expertise as well. Many times the premium through an agency will actually be LESS than the equivalent coverage purchased directly from the company online. Most insurance buyers incorrectly assume that since insurance agents are paid commission, that they will actually pay more when working with their local independent agent.

Location. Location. Optimization.

When it comes to the independent insurance agency website and selling insurance on the internet, local agencies have an advantage over large national companies who spend millions on advertising and marketing of their websites. This advantage is focused website optimization. When a consumer goes online to search for insurance, they are likely to perform a location-based search such as "Omaha Nebraska Auto Insurance" or "Car Insurance in Omaha Nebraska" or maybe "insurance agent in Omaha". These specific search terms are the bread and butter of an insurance agency website optimization. While the "big boys" spend millions on search engine marketing via paid advertisements, your independent agency can be reaping the benefits of absolutely free "organic" search results.

My Momma Always Said Organic was Best

Organic results are the results that are displayed by Google, Yahoo and MSN in the main search listing. When website designers talk about a website's rank in the search engines, they are referring to where the site shows up in the organic search listings. Obviously, the higher the ranking, the better the chance of getting a visitor into your site. By focusing on a location-based optimization of your insurance agency website, you stand a much better chance of getting your site into the coveted first few pages of the search engines.

An Example of Good Insurance Website Design

Here is an example. My Nebraska insurance agency website is highly optimized for the state of Nebraska. If I search for "auto insurance" in Google, it sends back over 86 million results. It's not likely my agency website will rank anywhere near the top for this search, and I don't WANT to rank near the top, because I would have thousands of requests for insurance outside the state of Nebraska. I want my insurance agency website to rank for relevant searches in MY state, not a state I'm not licensed to sell in.

My agency is located in a rural area, so we obviously write a lot of farm and crop insurance. If I narrow my search for "nebraska insurance", my agency website ranks 18th out of 14.4 million results. Not bad considering the search term is rather broad. Let's narrow it down even further, and search for a specific line of insurance. "Nebraska farm insurance" shows my insurance agency website ranked 4th out of over 2 million results. Now we're getting somewhere. Other lines of insurance include "Nebraska auto insurance", 21 out of 2.2 million. "Home insurance in Nebraska", 24th out of over 12 million.

The best part is, there is no "big boy" national auto insurance company ranked higher than my small agency website in any of the major search engines for the terms I want to rank for. Sure, they show up in the paid advertising links on the right side of the browser, but my site could too if I wanted to pay upwards of $10 per click into my website.

Conclusion

Hopefully I've shown that with a little

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Own Your Own Insurance Business

By Glenn Lamb
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To start an insurance agency you will need to decide on going independent or being a captive agency. Some of the best known captives include Farmers, Nationwide and Allstate. Captives sell exclusively, or mostly, one brand of insurance. There are advantages and disadvantages of each so it is advisable to investigate both. Many states require an insurance company to sponsor your license application, so selecting a company is a good place to start. A property and casualty license is generally the minimum to start and allows you to sell auto and homeowners type policies (Laws vary by state). It is advisable to get additional licenses such as accident and health, and possibly investment type licenses (For example Series 6 and 63).

For either choice many agents work part time first to get licensing, training, experience, and begin building a client base. If you have your own business your income will probably be straight commission. Normally you are paid for the sale of each policy and again every time of renewal. In my area 20 to 30 policies per month is considered good for new agents. This might pay you $2,000 to $3,000 depending on the type of sales. After you pay your expenses the income can be quite small when starting. As your book of business increases your renewal income will greatly increase your income.

An option to building an agency from scratch is to buy an existing agency. Typically you will pay 2 or more times annual earnings. For example, if an agency has 1,000 policies that earn $100,000 annually in renewals, you will probably pay $200,000 or more. It is possible to finance an agencies purchase. This will generally require 10% or more for a down payment. SBA is the most common lender for this kind of loan. My company, Texas Capital Mortgage 281-537-7800, can help with business financing for Texas residents. (I have found that the mortgage business is a good compliment to the insurance business.)

Obviously you need a lot more information to start an agency. I suggest spending a lot of time researching the business before jumping in. Read some books about the business. The larger companies have district offices where they can tell you about employment with them. The agent you buy your insurance from may be willing to share his experience with you. There is also a lot of information available online.

Insurance is a great business but don't underestimate the difficulty! After starting with Farmers full time, the first 1/2 year I lost 50K (much of this was start up expence), the next year I lost 20K, and this year I should make some profit. Some agents will do better or worse but this could give you some idea.



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Online Insurance Sales Training is Neglected by Agencies

By Marilyn Katz
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Expert Author Marilyn Katz

Insurance Business in the Internet Age

Even though website traffic and business is exploding, many insurance agencies neglect online training. They bring in motivational speakers and provide phone scripts. Agency managers put new agents to work making cold calls, knocking on doors, and engaging in many other 20th century marketing activiies. These tasks certainly keep people busy, but do they really grow business?

I do know that the failure rate of first year agents is very high. And not all failed agents are lazy or stupid. Many people could be very helpful and professional insurance consultants, but they do not have the personality to endure long hours of so-called marketing activity o bring in business.

Some agents do find a way to prosper from their training, or perhaps in spite of it. Web savvy agencies are bringing in a steady stream, or even a flood, of prospects through carefully crafted websites and clever promotion strategies. They can do this without making any cold calls too, but by actually taking customer calls in the comfort of their own offices..

How to Work Insurance Websites

It is pretty simple to build a website these days. Domains and hosting are cheap. Agents can hire a web developer or do it themselves with an online website builder. Even a very simple insurance website can bring in qualified insurance sales leads if it has a couple of key factors built in.

What Does an Insurance Website Need?

Any website needs two basic things. It must engage the visitor, and it must have visitors.

The Message and Call to Action

A site needs a clear message and call to action. Think about the things that consumers search for when they look up insurance topics online. Many consumers may need to solve a problem like poor service or high premiums. Can you help them? Other consumers may want a local agent to answer some questions. Again, can your office be the one to solve their problem and gain some business?

Make sure you explain why your agency would be the right one to contact for a specific question or product. And this may sound obvious, but be certain that a potential customer does not have to spend a long time searching for your contact information. Internet surfers are a very impatient group of people, and many websites fail because they are too confusing!

It should be simple to ask web visitors if they think they pay too much for coverage, and then to tell them to call you or fill out a quote form for competitive prices. But many sites are not designed well, and they make this task too hard.

Internet Traffic

A site needs visitors! If nobody visits you, then you will not get much help. You need to work on promoting your website so it has a chance to work. You can include the name and web address of your site on marketing materials like business cards or brochures. You can find places to get listed online. But if you do not do anything to let people know that your website exists, you will not be likely to profit from it at all.

Your Website Can Work


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Tips For Successful Leads Management - Critical to the Success of Your Insurance Agency

By Dvora Ivankowski
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Leads are critical to the health of every business, but this is especially true in the insurance industry. Your leads may come from client referrals, a service, from online and print ads, but no matter the source, following up is the key to successful leads management.

Here is a short checklist to help you manage and stay on top of your leads management program.

1. Send requested information immediately. Prospects have their own agenda and time line, so you need to be ready to strike while the opportunity allows. Respond to inquiries within 12 hours - actually the faster the better. Remember, your prospects aren't sitting and waiting to hear from you.

2. Have your insurance agency materials ready in advance to send to different types of inquires. Keep all versions of your materials current - electronic and print. Make sure that you have all the information you need so that you can email or mail the appropriate information that same day.

3. Capture all inquires in a database for ongoing lead management.

4. Update your prospects' information in real time or a soon as possible. You don't want to send the wrong information to your prospects or use the wrong contact information.

5. Avoid bombarding your prospects with multiples of the same postcards, letters or emails. Keep the information current and relevant.

6. Develop a game plan for what type of information to send your prospects - it can be a combination of branding materials to build relationships and insurance product-specific mailings. Remember, your prospects will appreciate receiving coverage and product information that will help them make their insurance-related decisions.

7. Measure and track the results of your various sales lead generation programs. Determine which lead programs generate the greatest ROI.

8. Refine your lead generation programs so the results continue to improve.

Never lose sight of the importance of your sales lead generation and development process to your insurance agency. Leads are the life blood of your business so remember to keep your lead programs as healthy as possible.

Dvora Ivankowski, is co-founder of AgentMethods LLC http://www.agentmethods.com a professional website platform designed for independent agents, small agencies and brokers. The feature of this easy-to-use platform include:

• Pre-loaded content and designs
• Promotions, call-outs, and images
• Information form to generate leads
• Online marketing and Search Optimization support and training
• Training on online lead generation strategies


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Exclusive Life Insurance Leads - 2 Surefire Ways to Start Getting Your Own Leads Online!

By Jason H.
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Expert Author Jason H.

Are you an insurance professional who is sick and tired of the garbage "leads" that come out of these online lead generation companies? Would you like to know how to get exclusive life insurance leads flowing into your office on autopilot?

Well good, after reading this article you will be equipped with the tools you need to leverage the masses looking for insurance on the internet and grow your business substantially...

But before I get into the details, I want you to know that I've been in your shoes. I wasted thousands of dollars over the years on the false promises the lead companies give - until I discovered the secrets I'm about to share with you!

Here's what works to attract leads like bees to honey:

Facebook - As I'm writing this article, over half a BILLION people now have a Facebook profile! That's insane considering it just came on the scene a few short years ago. However, smart marketers recognize these trends and use them to their advantage.

If you don't have a personal Facebook profile already, you need to sign one up right now. Once you have that done (or if you do already) you are going to create a group within Facebook. You do this from the home page by clicking on the group link on the left.

You will want to get creative with your group name - don't just call it your agency name. Think of things in terms of benefits to your prospects. So if you are selling whole life insurance, you might want to call your group "No Risk No Taxes Financial Alternative" or something of that nature. If you can incorporate hot buttons from society, it will help a ton.

Once you finish setting up the group, you are going to invite all of your friends to join. Let them know that the main purpose of your group is to provide content and educate the people who join. Interact with the people who join the group for at least 2 weeks before you start to give them marketing messages. Then simply weave those into the natural conversations you are having.

In just a short time, you will have appointments every single week. This strategy will take some time and dedication to make work, but it sure beats going to a bunch of networking meetings (and it's basically the same thing)! Plus, if you are a captive agent, most companies will allow you to use Facebook for marketing.

Build a lead generating website- This strategy will take more time to set up than the Facebook option, and you might have problems if you are a captive, but this option can be automated and will produce results faster.

There's a five step process involved with building your website:

1) Develop a concept around the product that you are going to promote.

2) Develop how you are going to obtain your leads.

3) Develop how you are going to convert the leads into appointments.

4) Develop how you are going to attract people to your website.

5) Test, tweak, and optimize the whole process until your site gives you all the exclusive life insurance leads you can handle.

Here's an alternative for those who want to get their own leads online without doing all the work -


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Health Insurance Basics You Need To Know For Online Sales

By Rick Liuag
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Expert Author Rick Liuag

In this article I will not go into to much detail on the basics of either health or life insurance. If you're a new agent you'll hopefully be trained by your mentor. If you're a veteran you don't need a refresher course. However, I will go over what I think are important basic features of both health and life that make those products "internet friendly". Both health and life insurance are intangible products, meaning the client doesn't get to see or touch what they are buying. What they are buying is a CONCEPT.

The concept is that if they incur a medical expense, some portion of that will be covered by the insurance company or when they die the insurance company will pay money to their beneficiary. When selling online you won't have the luxury of seeing body language or facial expressions so you have to make sure your client is on the same frequency as you, much more than in a face to face situation.

There are some basic facts about health & life insurance that you must make sure you educate your online prospects about to make sure they are on the same page as you during the online presentation.

o EVERY health insurance plan has a hole in it. Meaning, there's no health insurance plan that includes EVERYTHING needed to provide what I consider comprehensive coverage. It's the agent's job to identify where the holes are, make them evident to the prospect, then show the prospect how, if possible, they can be plugged up to provide the most comprehensive coverage for the lowest monthly premium.
o The lower the deductible the higher the premium and visa versa.
o A PPO is a much better option overall than an HMO.
o Plans with fixed co-pays for routine office visits are more expensive. So this is a crucial area where if you explain the economics (see chapter 10), you can show the client monthly premium savings.
o In most states if the applicant is insurable, group health coverage is ALWAYS more expensive than individual (unless the employer is covering the costs) why? Mandatory maternity and guarantee issue.
o Dental coverage is an absolutely worthless expense (use an HSA to fund dental expenses) the exception is if group dental is offered via the employer's group plan.
o Put Mom on her own plan covering maternity should they plan on having more children (more regarding this in Chapter 10 of the ebook "How to Build Your Own Online Insurance Agency).

Rick Liuag spent over 20 years as an executive for several telecommunications and technology companies before starting his own online insurance agency in 2004. He has been a top individual producer for mulitple companies each year since 2005.


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Are You Losing Money by Doing Your Own Work?

By Kathleen Gage
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Expert Author Kathleen Gage

According to the U.S. Small Business Administration (SBA), the average small business owner spends up to 40% of his or her time on routine administrative tasks.

Constantly working on non revenue-producing tasks that could be more productively and cost-effectively performed by a highly skilled, knowledgeable assistant is losing your business significant income.

As you grow your business, it will be necessary to consider outside help. Over the last few years, the Virtual Assistant industry has taken the market by storm. What was practically unheard of a few years ago is now a viable and growing industry.

When done correctly, one of the greatest advantages in hiring a Virtual Assistant (VA's) is you can focus on higher level objectives while your VA takes on a huge part of your workload.

Virtual Assistants range in expertise, specialty and pricing. Most VA's work on a per hour rate, retainer fee or contract basis. VA's either own and operate their business or contract under an umbrella agency. This means you are not responsible for employee taxes, benefits or insurance, which can substantially reduce your costs and liability.

A VA's experience level range from new to the industry to many years of experience. However, most have previous work experience that qualifies them to jump right into the services they offer.

The VA's goal is to help your company grow. In essence, when you succeed, they succeed. Unlike a temporary agency where you might get a different temporary worker for each job you have, with a VA the same person works with you on an ongoing basis.

Depending on your needs, you can hire a VA for as few or as many hours a week as you need. You can also hire on a per project basis.
Again, this means you are not burdened with hiring a part- or full-time employee. You simply hire as needed.

In many cases, once you contract a VA you will be charged for phone conversations, planning sessions and any project changes you make. Be aware of spending too much time just "shooting the breeze" with your VA as it can cost you money and time.

Before hiring a VA, determine your needs, plan how you will utilize their time and be prepared. Some of your projects will require you to contract vendors who handle specific types of tasks such as editing, copywriting, transcription services and web design. However, a highly skilled VA may be able to do many of the above-mentioned tasks.

If you are on a limited budget, you may be able to negotiate the pay structure to include commissions and bonuses. Some VA's may be willing to take a lower hourly rate if there is an opportunity for commissions or bonuses. For example, if you have a VA who books speaking engagements for you, you can offset the hourly amount with a generous commission structure. However, before you offer commissions and bonuses, make sure the VA is qualified and skilled to handle the specific jobs you need done. You may also be able to negotiate one fee for any training you do and a higher fee when the VA is fully trained.

Hiring a Virtual Assistant is not something that should be taken lightly. It is a position of trust and confidence. Often the VA has access to your usernames and passwords, confidential information, financial data, databases and other highly sensitive information.

A partial list of what a VA can do:

- Transcription services

- Set up a blog

- Blogging on your behalf

- Post to blogs and forums

- Set up Virtual Book Tours

- Submit and track articles to directories

- Answer support emails

- Set up autoresponders

- Write media releases

- Distribute media releases

- Clean up a mailing list

- Do keyword research

- Proof copy and provide editing services

- Assist with teleconferences and seminars

- Update web pages and build squeeze pages

- Input sequential autoresponder messages

- Organize joint ventures and submit bonus items and programs
- Bookkeeping

- Concierge services

- Sales

- Marketing

- Travel arrangements

- Event planning

- Procedure documentation

You can choose to use a VA agency or contract an independent VA. It all depends on your needs, plans and budget. Take time to interview your VA prior to hiring them. Check their references and track record.


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