Twenty Important Questions You Should Ask About Insurance SEO And Insurance Agency SEO

Is your insurance agency better off focusing on search terms which yield thousands of searches each month or merely a few dozen searches each month? The answer to this question lies within your budget, expertise and business goals. To determine this, ask yourself the following questions: 1. Have you determined if Insurance Agency SEO is…

Is your insurance agency better off focusing on search terms which yield thousands of searches each month or merely a few dozen searches each month? The answer to this question lies within your budget, expertise and business goals. To determine this, ask yourself the following questions:

1. Have you determined if Insurance Agency SEO is a key component of your insurance agency marketing plan? Or, if you're an insurance company or other type of insurance entity, have you determined if your insurance SEO will be a key component of your 2011 web marketing plan?

2. How long do you intend to invest in your Agency SEO and how important is it to your ongoing web marketing strategy?

3. Are you going to leverage organic insurance SEO, PPC or both?

4. Do you have internal resources to do this (if you're assuming your existing technical in house resources can do this, you may not be correct)?

5. Or are you intending to outsource this campaign?

6. Have you established a budget if you do not have the internal resources or intend to outsource your insurance SEO?

7. How will you measure campaign efficiency? Will you dominate less competitive long-tail keyword phrases and be highly selective in routing traffic, or will you target higher volume keyword phrases?

8. How will you measure conversions for either or both approaches above?

9. How long will it take to achieve Google page one rankings (currently that is about 70% of the market, so the use of that search engine name specifically)?

10. Is your insurance agency or insurance broker book of business horizontal or vertical, and how much traffic do you need?

11. What is the price point, margin and conversion rate expected?

12. Are you taking a shotgun approach and hope to drive large volumes of visitors to your website, or are you taking a sniper approach and desire to drive and target very specific types of traffic?

13. Will you dedicate specific landing pages for specific Insurance SEO initiatives, and if so, how will those be created?

14. Is your insurance agency website ready to capitalize on SEO, is your website current, professional with relevant and compelling content?

15. Does your agency focus solely on B2B, or are you also targeting B2C, and are there any reciprocally beneficial campaign opportunities in this situation?

16. If people start talking about search engine results on page two or page three, are you aware that these generate almost no traffic?

17. Does your insurance agency website have a clear call to action? Even if web traffic is dramatically increased, your insurance website needs to capture these opportunities.

18. Is your call to action easily visible for all insurance agency prospects to see? Call to action examples: Click here to sign up for our newsletter; Click here to register for our workshop; Click here to contact us for our insurance agency case studies.

19. Will your unique value proposition be immediately understood by website visitors?

20. Lastly, have you separated on page and off page SEO initiatives? You need a web marketing plan for both, they are very different.

Before embarking on an SEO initiative, ask these questions and determine if you will target and dominate less competitive keywords or focus on higher volume more competitive keywords. If your agency intends to outsource make sure your insurance SEO vendor can answer your questions completely, with verifiable results to validate all claims. In any emerging industry like search engine optimization, it's important that clear and accurate expectations are established, and that you understand the budget, timeframe and expected results before you embark on your campaign. For most agencies, the general expectation should be page one search engine rankings in as few as 60 to 90 days.

Insurance Agency SEO, Page Rank, And Inbound Links For Organic Search Engine Ranking Results

Some companies think SEO is primarily about page rank and inbound links, and that improved search engine ranking results for insurance agencies take a long time. From our research, this is not the case. For most agents and brokers, dramatically improved results should typically occur within 60 to 90 days. What is meant by dramatically…

Some companies think SEO is primarily about page rank and inbound links, and that improved search engine ranking results for insurance agencies take a long time. From our research, this is not the case. For most agents and brokers, dramatically improved results should typically occur within 60 to 90 days. What is meant by dramatically improved results? Insurance agency websites that are ranked page 10 or lower should see many of their top long-tail keywords result in placement on search engine page one and page two (search engine in this case can mean Google, Yahoo, Bing, etc.). This is not completed by building hundreds or thousands of inbound links, rather this is determined by very specific utilization of insurance agency on page website optimization, and external content creation.

Another misnomer pertains to page rank. At one time, page rank was one of the ultimate indicators for search engine ranking success. Today, it is purely one of the attributes to consider in the insurance agency space, and most assuredly not the most important attribute in achieving high rankings. Consequently, fear not if your agency has a page rank of zero and has less than a dozen inbound links. You can still achieve search engine page one rankings for many, most, possibly almost all of your preferred long-tail keywords.

Lastly, let's discuss keyword search tools. Some companies suggest that agents should do their own keyword research, possibly using some of the free tools on the market. This can work for those with time, talent and technical acumen relating to SEO. There are, however, much better tools available to assess keyword efficiency. These more advanced tools are capable of tracking competitor rankings, daily or weekly changes, the snippets which are actually pulled by each search engine, which pages of an agency website are associated with the rankings and snippets, and a ranking index by keyword which shows increases and decreases by keyword and competitor. With these advanced tools, SEO becomes much less of an art, and much more of a science, to ensure top insurance agency search engine rankings for preferred long-tail keywords.

Critical Illness Insurance – The Coverage Many Clients Can’t Afford To Live Without

What has a more affordable premium than individual disability insurance, is perfect for spouses of high wage earners, and allows the insured to receive a lump sum benefit to use as needed – no strings attached? If you guessed Critical Illness, you're more enlightened than most. In the quest to offer a variety of clients…

What has a more affordable premium than individual disability insurance, is perfect for spouses of high wage earners, and allows the insured to receive a lump sum benefit to use as needed – no strings attached?

If you guessed Critical Illness, you're more enlightened than most. In the quest to offer a variety of clients asset protection, Critical Illness insurance is an important solution to have in your tool belt. It's a big differentiators too, since many producers do not offer this valuable coverage.

Below you'll find everything you need to know to serve clients better and build your income by adding Critical Illness to your product suite.

What is Critical Illness insurance?

Critical Illness insurance provides financial protection when a major illness occurs and a person is unable to work and earn an income. This medical insurance helps cover medical expenses that are typically not covered by other insurance policies. Paid in lump sums, it gives clients the freedom to use the money where it is needed most – from medical bills to the mortgage.

This coverage comes into play as traditional health insurance leaves consumers with more and more gaps in their coverage. As a result of high deductibles, coinsurance and limited coverage on nontraditional treatments, individuals may incur large medical bills that are not covered by their traditional insurance policy.

Critical Illness insurance works by paying for expenses that result from a long-term recovery from a covered illness. It does not pay for each medical bill, but instead provides a payment that can be used toward any condition listed on the policy.

Who is Critical Illness insurance best suited for?

The coverage is best suited for:

• Spouses of high wage earners – if a doctor, lawyer or executive has to spend time away from work to care for a sick spouse, the business sufferers. If the spouse has critical illness coverage, the family can immediately afford to hire in-home care, a nanny or other service providers to keep the home running smoothly.

• Self employed clients and other high wage earners who have capped out their DI limits.

• People in high-risk jobs often do not qualify for disability insurance. However, those occupations – such as firefighters, long-haul truck drivers or police officers – may qualify for critical illness insurance.

• Anyone who is concerned about not having an adequate income to absorb the critical illness costs not covered by traditional insurance.

Is Critical Illness insurance sold in addition to DI or instead of DI?

Disability insurance, sometimes referred to as “income replacement” insurance, provides a monthly payment if a person becomes disabled and can no longer work. DI policies pay a monthly income during a predetermined period that the insured is unable to work. In general, DI benefits are limited to a percentage of the insured's regular income and stops once the disabled person is able to earn an income or he no longer meets the definition of disability as described in the policy. Disability policies often have a waiting period from the sunset of disability. Also, unlike critical illness benefits, disability benefits may be affected by any other income the insured receive.

Critical Illness insurance differs from DI in that it covers the costs related to recovery from major illnesses. These policies pay a set amount to the insured or beneficiary when a qualified event happens. Critical illness insurance provides the full policy benefit in a lump sum payment on diagnosis of a critical illness. Because each policy offers different protections, it is beneficial for insurance brokers to sell both types of coverage. In many cases, it's advantageous to optimize protection by selling the two products together.

What are the key selling features and benefits of Critical Illness insurance?

Cover features vary by product so make sure you're familiar with the product you're selling. Most policies include the following key coverage features:

• Paid Expenses: Long-term recovery from an illness often includes many unexpected expenses. Critical Illness insurance fills the gaps so a person is not overwhelmed by medical bills.

• Guaranteed Renewable: As long as premiums are paid on time, the right to renew Critical Illness insurance policy is guaranteed, which provides peace of mind to clients.

• Lump Sum Benefit: If diagnosed with one of the covered conditions, a lump sum benefit is paid out to the insured. This payment then can be used for any condition that is listed on his policy. What the insured does with the benefit is up to him. He could use the money to pay medical bills, to cover his mortgage or to pay utilities. With the lump sum payment, the insured could even pursue alternative care or hire a healthcare worker.

• Benefits Paid Directly to Client: Critical Illness insurance pays the insured directly, in addition to all other insurance coverage he may have; which gives the client control of how the funds will be used. In this way, the coverage bridges the gap between a traditional health insurance policy and the actual expenses incurred.

• Flexible Coverage Options: In some cases, clients can choose to have a policy paid up in 20 years or have premiums returned after 15 years, so the flexibility clients need and demand.

• Wide Range of Coverage: Despite coverage differences from company to company, typical illnesses and diseases covered by Critical Illness insurance include: ALS and other motor neuron diseases, Alzheimer's disease, benign brain tumor, blindness, cancer, coma, coronary artery bypass surgery, deafness, heart attack, kidney failure, loss of limbs, major organ transplant, multiple sclerosis, occupational HIV, paralysis, Parkinson's disease, severe burns and stroke.

What compelling facts and statistics can I use when talking with prospects?

The facts are compelling. Use these statistics to help your prospects understand the need:

• In 2010, it is estimated that about 1.2 million Americans will have their first or second heart attack. Of those, approximately 62 percent will survive.

• On average, every 40 seconds someone in the United States has a stroke. Strokes are one of the leading causes of serious long-term disability in the US

• The five-year survival rate for all cancers combined in the US is just 66 percent.

• Increasing medical bills are the main cause for more than 60 percent of personal bankruptcies in the US, according to a 2007 study conducted by Harvard University and the Robert Wood Johnson Foundation. In addition, more than 75 percent of these bankrupt families were middle-class families with health insurance who were still overwhelmed by medical debt.

• Twenty percent of those with health insurance still can not afford cancer therapy, according to a 2008 study by the American Cancer Society and the Kaiser Family Foundation. The survey found that a year of treatment for blood cancers, such as leukemia, reached $ 1 million in 2008, maxing out the limits of most health insurance policies.

What questions should I ask prospects to determine if they're good candidates?

To determine if a prospect should consider Critical Illness coverage, ask the following questions:

• What is your occupation? You want to look for high-risk occupations or the chance of DI ineligibility.

• How would your business and family be affected if your spouse became criticized ill? Emphasize the advantage of immediate cash benefits.

• Do you have the discipline and the ability to set money money monthly to cover long-term medical care due to critical illness? And, do you have an adequate income to prepare for such an event? Beside paying for day-to-day expenses while ill and out of work, medical bills can accrue and destroy a previously financially sound family. Share with the prospect that the costs for a year of nursing home care is $ 50,000 and higher. And, a part-time aide costs as much as $ 10,000 per year.

Why should I add Critical Illness to my suite of solutions?

As a result of rising medical costs, people living longer and traditional health insurance plans leaving more consumers with gaps in coverage, critical illness insurance should be an essential element in a person's overall financial protection portfolio.

With high deductibles, coinsurance and limited coverage on nontraditional treatments, individuals may incur massive medical costs that are not covered by traditional insurance. And, because critical illness premiums may be lower than LTCI premiums, the chance of sales resistance is lower.

Most prospects have been touched by illness, whether it is cancer, stroke or heart attack. They have seen the medical bills, the financial stress and the effects it has on extended family. Ask your clients if a lump sum payment of $ 50,000 would have lowered the stress and eased the worries of the family. Without the burden of accumulating bills, the family could place their focus on healing instead of trying to stay financially afloat.

How big is the opportunity? Is this a growing market?

As an underserved market in the past, there is plenty of room to grow and prosper with Critical Illness insurance. You could even increase your income drastically by adding this policy to your suite of offerings. Besides offering the coverage to new prospects, you can revisit current clients with the new policy.

Since the coverage is a relatively new idea in the US, the market is not scheduled with competition. Since disability insurance comes with many term limits and coverage limits, Critical Illness insurance is a valuable tool to add to your arsenal of offers.

As Americans are living longer, they are at greater risk of illness. But, because the world of modern medicine is thriving, most people will survive and recover from their illnesses. However, their finances may not be the same, unless they are covered with Critical Illness insurance.

How can I package Critical Illness insurance?

Critical Illness insurance can be packaged and sold in multitude of ways. It can be offered as an individual policy, offered through an employer-paid program, as a supplement to a new or existing health insurance policy, or as a supplement to a new or existing life or disability insurance policy.

Critical Illness insurance can also be bundled into coverage categories and claims can be made in more than one category. The largest categories would be prevalent illnesses, such as cancer-related conditions or heart-related issues. A client could purchase a policy that covers just one condition, or a broader policy that encompasses more categories.

The bottom line? Now's the time! Offer Critical Illness insurance before the crisis.

No one likes to dwell on their own mortality, but they do like to dream of the future – a future of ease, peace and happiness. Dreams can be crushed by the crisis of a major illness, whether long or short-term, if financial protection is not in place. One way to ensure dreams come true is to invest in income protection policies. Critical Illness insurance is one of those policies that cover the gaps many other policies leave open. These policies are easy to use and are for all types of people. Start offering Critical Illness insurance today and secure your clients' financial futures while you help your own.

What Insurance Brokers Are For

The insurance industry has absolutely made its place in the business sector. New insurance companies crop up with fair regularity and seem to take great delight in confounding the issue of finding the right insurance company for you. Insurance companies specialize in a wide variety of areas such as health, vehicle, life, home insurance, and…

The insurance industry has absolutely made its place in the business sector. New insurance companies crop up with fair regularity and seem to take great delight in confounding the issue of finding the right insurance company for you. Insurance companies specialize in a wide variety of areas such as health, vehicle, life, home insurance, and many more. In order to make life a bit easier, the insurance broker evolved.

What is an insurance broker?

An insurance broker is essentially a go between for the client and the insurance company. They handle all the negotiations and finalizing of the quotes. If the agent is acting on behalf of the buyer, then the broker is called a buying agent. Similarly, an insurance broker acting on behalf of the seller is called a seller agent. Basically, the insurance broker is the representative of the company who interacts with the potential clients and current clients with regard to their policies and claims.

Insurance brokers may work on a fixed salary, a basic with added commission or purely on commission. This depends entirely on which company they work for. They may also work for more than one insurance company and, as such, would be able to offer you more than one option for you insurance. A broker will generally not focus on one specific industry and will also allow you to consolidate your insurance under one roof which may make it cheaper for you in the long run.

Why do you need an insurance broker?

Imagine trying to get quotes from each insurance company in each area that you need insurance. Considering that there are so many insurance companies out there each with their own pros and cons and quirks, this would unduly be a time consuming and frustrating task.

By going through a broker, most of this work will be eliminated. All you will need to do is get quotes from brokers who work for different insurance companies and compare this much shorter list of quotes to find the best deal for you. So instead of looking at potentially hundreds of quotes, you will only need to compare a handful of quotes from a select few brokers.

Basic Responsibilities of an Insurance Broker

Insurance brokers are primarily salesmen. It is their job to source new clients for the companies that work for. They need to negotiate good rates for their potential clients and make sure that the terms and conditions agreed upon are honored by both parties.

It is also the broker's duty to ensure the credit worthiness of the clients and to collect the rates due by each client every month. The broker is liable to the company for their clients and so the insurance company is certain of being paid each month for clients attracted by the broker. It is the broker who takes the risk when offering insurance to clients.

So, an broker can offer good insurance deals and the opportunity to consolidate all your insurance under one company. They also take care of all claims and other necessary communication between the client and the insurance company.

Captive Versus Independent Agent

There are basically two types of insurance agents. One type is a captive or house agent. They primarily sell for one company. Their names include American Family, Farm Bureau, Farmers, and Nationwide. Some agents are employees of the company and all agents can be told by corporate management to increase sales in one area or…

There are basically two types of insurance agents.

One type is a captive or house agent. They primarily sell for one company. Their names include American Family, Farm Bureau, Farmers, and Nationwide. Some agents are employees of the company and all agents can be told by corporate management to increase sales in one area or they might be terminated.

If a client is unhappy with premiums the only options are to decrease coverage limits or increase deductibles. Either way they are telling the insured to assume more risk if the client needs to be within a budget.

The other type is an independent agency who usually has four or more carriers available for auto / home or business insurance. Some of the companies you might see at an independent agency are Liberty Mutual (Safeco, Indiana), The Hartford, and Travelers.

The independent agent can choose what company works out the best for each client and if an insured is unhappy with one company they can be written to a different one. Considering that financial planners advise you to shop your insurance every 3-5 years it's possible the independent agent will shop for you at every renewal, when rates go up, or when you have certain changes in your circumstances. Examples of changes include first youthful coming on, last youthful driver coming off, accidents / tickets coming off or going on, vehicle types / usage, and moving to a different residence.

It's true that the companies expect sales volume, but the agency can terminate the contract with the company if the local office does not think the carrier is worth keeping.

In summary, insurance should not be like a Snuggy where one size most.

Holiday Marketing For Insurance Agents That Will Bring You New Policies

The holiday season is the best part of the year for retailers. They ramp up inventory, get extra staff, take out ads, and prepare themselves for a massive rush of customers. They can call their accountant and let them know, they will not be in the red, because Black Friday is coming. Retailers can simply…

The holiday season is the best part of the year for retailers. They ramp up inventory, get extra staff, take out ads, and prepare themselves for a massive rush of customers. They can call their accountant and let them know, they will not be in the red, because Black Friday is coming. Retailers can simply put a loss leader in an ad and bring the crowd easily, but what does a service professional do?

The insurance industry is regulated by the Department of Insurance. I have not seen any insurance broker or agent who loves the ruling body. You can not offer insurance on “sale” or at a loss, it does not work that way! How can you tap into the holiday marketing frenzy for insurance?

Before I share with a few killer methods that will make your phone ring, I invite you to consider a few ideas that will not bring you business.

  • Holiday Cards
  • Calendars
  • Notepads
  • Recipe Cards

No one called their insurance agent to add coverage because they got a pumpkin pie recipe! Stop looking like everyone else. Be different, be bold, and start selling more insurance. I invite you to consider the following methods to getting more policy sales during the holidays.

  • Holiday Letter – Not just any letter will do. Send out to your past clients, and prospects, a letter that is a story. The story does not have to be long, but it should reveal a “normal” day gone wrong. Insurance helps on the worst days. Make a connection in your story to reveal how a holiday is better than a “normal” day and when something goes wrong (roof leak, pipe burst, etc) who are they going to call? Do they have enough coverage to get that covered immediately? Bring them into the pain and let them know there is a way out.
  • Holiday Video Email – It does not have to be fancy. You do not need any special software. Just a simple video camera and YouTube account will do. Record a 2-4 minute video about the holidays and share a quick story of a client you helped. No pitch, no sales, just let them know you appreciate being able to help. You can provide a call to action for a “Holiday Insurance Tune-up” at the end (a simple form on your site will do to get them to find out more).

The holidays are great for insurance agents. It provides a unique time for piquing interest and providing an opportunity for people to save money when they are spending on gifts.

Discover marketing methods for your insurance business with a live, free, 1 on 1, 15 minute business tune up call at www.15MinuteBusinessHelp.com

3 Insurance Marketing Strategies to Generate More Leads

Insurance is a tough business. Most people only think about their policy when they have to make a claim. They only consider the negatives like “if I make a claim my rates will go up”. When they search online for a new carrier most people only consider price. How do you break through the common…

Insurance is a tough business. Most people only think about their policy when they have to make a claim. They only consider the negatives like “if I make a claim my rates will go up”. When they search online for a new carrier most people only consider price.

How do you break through the common misperceptions that people have about insurance and get them to call? How can you reveal to prospects that finding a great policy requires more than a 15 minute phone call to a call center?

You may not be able to get people to change people's view on insurance, but you can put key strategies into action that will bring you more customers who are eager for a new policy. I invite you to consider the following three strategies to get more prospects calling daily.

  • Insurance White Paper – Let people know you are a different type of agent or broker. Share with prospects a white paper that breaks down the common myths of finding insurance. This piece of your marketing strategy has a long life span, easily gets shared among friends, and demonstrates your expertise.
  • Email Follow Up – Most people feel that there are “bad leads” due to a lack of follow up. To get more from every lead that makes a request from you, consider writing an email series that educates prospects about the challenges of finding insurance. You can write a series of emails that follow up with prospects for a 30, 60, or even 180 day period. When you focus on emails that inform and educate prospects will feel compelled to call you for help with their policies.
  • Article Marketing – Articles are one of the easiest and most productive methods for getting traffic and demonstrating expertise. You can submit the articles you create on many free sites. It gives you an edge in the search engines, sends direct traffic, and identifies you as an expert in your field. Consider making it a habit to write 2-3 articles weekly to keep new prospects contacting you.

A balanced insurance marketing strategy will include an item of value (your white paper), great email follow up, and a consistent way to bring new prospects to your website daily. Taking each of these elements of marketing to the max will have you closing more policies weekly.

Discover insurance sales scripts that will have you converting your new prospects into policies in a matter of minutes. Start for free today with this marketing and conversion course at www.QuestionsThatSell.com .

2 Insurance Sales Script Tips To Get In the Conversation and Get The Policy

Many people only think about insurance when they have to make a claim. They diligently pay their policy monthly and it never enters their mind until they have to use. Until that day where everything is going great and they come out to see someone has smashed into their car. It's at their moment of…

Many people only think about insurance when they have to make a claim. They diligently pay their policy monthly and it never enters their mind until they have to use. Until that day where everything is going great and they come out to see someone has smashed into their car.

It's at their moment of need that they really start to think about their insurance agent. When they are looking at what used to be gorgeous car they are washing, will my insurance cover this? How long will I be without my car? I sure hope this does not cost me a lot of $$$?

While the marketing of many insurance companies these days is focused on price, how are you getting into the deepest pain of your prospects? How are you letting people know that in their moment of need it's not just about price, it's about how soon they can get back to their normal life.

Transforming your prospects into new policies requires sales scripts that get the heart of the problem. To help you start closing new policy sales today I invite you to consider the following:

  • Time Question – Time is money. This holds true for everyone. When you can save people time, you are putting money back in their pocket. Instead of telling them how quickly you respond, or address their claim, ask them about their current response time. For example, you could ask, when you have an accident, how fast does your current agent respond?
  • Frustration Question – Insurance can be confusing. Even though you are involved with it daily, for your prospects it's a confusing mess. Pound on this pain and let them know it can be different. For example, you could transform your sales script into a question like; does your agent hand hold you through the claims process or just send you a bunch of form letters? Are the form letters a bit confusing? Keep pounding on the frustration and let them know it does not have to be that way.

When your insurance sales scripts pound on time and frustration you will get prospects to stop thinking just about price. When they can see there is much more to getting insurance than just $ X you will have prospects eager to switch companies.

Insurance Professionals Checklist: The Dos and Don’ts of Holiday Business Communications

Holiday communications are a great way to build and maintain business relationships. But, how do you choose the right format and message? You do not need expensive gifts, detailed embossing or shimmery foil. What you do need is to show your appreciation with style and a message that's uniquely your own. Here are some dos…

Holiday communications are a great way to build and maintain business relationships. But, how do you choose the right format and message? You do not need expensive gifts, detailed embossing or shimmery foil. What you do need is to show your appreciation with style and a message that's uniquely your own. Here are some dos and don'ts to ensure your well-meaning gesture makes the right impression.

Dos

  • Be professional.
  • Remember that the quality of your holiday card is a reflection on you.
  • Include a personal handwritten message. Instead of “Merry Christmas,” you might write, “All the best to you and your family in the New Year, Dan!”
  • Consider including a photo of your team – it helps clients feel like they know you better. Keep it tasteful, fun and informal.
  • If you have a small office, the card should be signed by everyone who interacts with the client.
  • If you have the time / budget, have your creative partner develop a customized design.
  • Consider sending a gift with a meaningfulful theme that reflects your core value proposition. (See more on gifts below.)
  • Instead of communicating at Christmas like many companies, consider sending Thanksgiving or New Years cards to avoid religious snafus and stand out from the crowd.

Don'ts

  • Avoid silly cards. You may think a funny joke or a naked Santa stuck in a chimney is entertaining, but not everyone will share your humor. Make your best impression without comedy.
  • Never send cheap Christmas cards – they make you look cheap.
  • Eliminate misspellings. Spell each contact and company name correctly.
  • Do not print a huge logo on the cover of your holiday cards. The card should communicate a genuine, heartfelt message. It should not feel like a sales pitch.
  • Do not forget to mail your holiday cards in time to arrive during the holiday season. December 15th is the custom cut-off date for Christmas cards. Allow extra time for international mailings.
  • Do not forget to say, “THANKS.”

Are holiday e-cards appropriate?

If your business relationship is connected through e-mail, sending an electronic holiday card is appropriate. However, if e-mail is not your sole means of correspondence, you should send a traditional holiday card.

Are gifts a good idea?

Business gift giving is challenging, and with the downsized economy, many companies are skipping gifts altogether. If you choose to send a gift, focus on quality, practicality and meaning. If you're sending a pen, make sure it's of high quality and include a note that gives meaning to the gift – eg, “Wishing you thousands of signed contacts in 2011.” Send something that will be used. If you work with multiple people in the office, food is often universally appreciated. Find a high-end bakery in the client's neighborhood and arrange a surprise delivery for brunch one day. If you want to go all out, consider sending a four-piece orchestra for noon-time entertainment. Just make sure to coordinate with the office manager to ensure good timing.

What about calendars?

Although they're used a lot, calendars are still one of the most effective ways to keep your name in front of your client year-round. Consider a format that works for your target audience. For example, large 2-by-3 foot wall calendars are perfect for commercial clients who need writing space to schedule freight deliveries or employee vacations. A small 3-by-5 ​​inch table tent flip calendar is convenient for office clients. Think about your audience and then choose a calendar design to best meet its needs.

The holiday season offers a great opportunity to communicate with clients and build relationships. Just follow these simple rules to ensure that your holiday communication makes a positive impression.

Insurance Agency Providing Commercial and Personal Insurance

Looking for an insurance agency that specialize in different types of personal and commercial insurance services provider? There are many intellects behind to find an indemnity agency but the primary intention is to ensure yourself and your commercial enterprise from huge fiscal losses. You live in New York and do not know where to check…

Looking for an insurance agency that specialize in different types of personal and commercial insurance services provider? There are many intellects behind to find an indemnity agency but the primary intention is to ensure yourself and your commercial enterprise from huge fiscal losses. You live in New York and do not know where to check the responsible and dependable financial agency on which you can commit with your blind eyes. There are many alternatives available easily in the market but to receive the right agency with dependable reputation that will take concern of all your demands is not at all an easy job. Here are different types of insurance services people are really exploring for:

Personal Insurance

Some people might not be worried about all types of personal security because they are young, at the same time other people get personal insurance only because the law involves it. Many people will get assurance policies for the vehicle they use for personal jaunts and there are others that will check their cars for commercial usage. The level of liability coverage may depend on, if the proprietor wants the car exchanged, if it is finished or if they require to limit coverage to simple liability. There are various policies maintained in personal insurance viz. carriers liability, storage warehouse liability, car insurance, auto driving damage, general indemnity claim and umbrella insurance policies that come with summed security to deal all claims.

Commercial Insurance

First of all lets us know what really commercial security is? Well the answer is when running a business no matter its small business or a big empire but you want to be prepared for handling with unpredicted losses, chances and uncertainty of business. Allowed insurance policies and services that are specifically designed for businesses, which protect the business from unforeseen losses made due to property damage, destruction, theft, etc. all these comes in commercial insurance. The most wide types of assurance offered by a commercial insurance company includes property insurance, business auto indemnity, boiler & machinery insurance and liability claim along with workers compensation gains. Property assurance compacts with remission for damage to real property.

Life Insurance

There are many insurance agency which offers life assurance services and financial services side by side to return you the best coverage and services as per your demands. Placing a small sum of money in life insurance is important if you want to secure your future and desires that your beloved ones will be taken concern of after your death. Such types of life insurance policy can do everything from pay off your debts to secure your family future and help them out after your absence. There are several plans and products available in life insurance and financial services such as universal life insurance, mortgage life insurance, individual health plans, home health care plans and such other beneficiary plans for your tomorrow and for future.

So get the insurance plan that suits your wants & wants to guarantee you nowdays and future along.