Compare Insurance Agents – How to Compare and Find the Top Rated Insurance Online

The World Wide Web and has become the best tool to identify the cheapest and most beneficial insurance policies. However, there are many individuals who are comfortable dealing with humans only when searching for insurance. They are not comfortable dealing with a nameless and faceless entity on the World Wide Web. There is nothing wrong…

The World Wide Web and has become the best tool to identify the cheapest and most beneficial insurance policies. However, there are many individuals who are comfortable dealing with humans only when searching for insurance. They are not comfortable dealing with a nameless and faceless entity on the World Wide Web. There is nothing wrong in feeling so. However, this does not mean that you should simply ignore the web when comparing insurance agents. You can approach insurance agents and seek their quotes as you always have done in the past. However, instead of basically comparing the quotes provided by the agents, you can make use of the World Wide Web

It is very important to remember that the online quotes facility available for insurance seekers is absolutely free and available without any obligations. This means that you need not finalize the deal with the quotes provider on the web. The next time you are searching for insurance, just obtain information from the World Wide Web and use the same as the basis of comparing deals offered by your agents.

Cost of insurance will vary depending upon your requirements and your status. The cost of obtaining a policy on the web is always lower than working offline. However, that is the price you will have to pay for avoiding the web. Compare the online and offline quotes and identify the insurer charging the lowest premiums. Opt for policies charging lowest rates and offering maximum benefit. This is best explained as the cost vs. benefits ratio.

It does not matter whether you are comfortable using the web or not. You can still make use of the web to identify the best insurance deals. You can finalize the deal offline and use the web for additional support and technical help. A company that offers policies at low cost but provides very poor service when settling claim is best avoided. Such a company will create trouble when you are willingly in need of support and protection. Instead, choose an insurance company that has a very good track record even if it charges more.

The Value of an Insurance Professional

With the internet boom, some consumers are looking for their insurance online. Many people, confused by all the insurance jargon, trust their insurance agent or broker to guide them in making the right choices. But, there are different kinds of insurance agents and brokers, and, the one a person chooses can make a big difference…

With the internet boom, some consumers are looking for their insurance online. Many people, confused by all the insurance jargon, trust their insurance agent or broker to guide them in making the right choices. But, there are different kinds of insurance agents and brokers, and, the one a person chooses can make a big difference in the type of service he receives as well as the choices he is offered. There are captive agents and independent agents. They each approach protecting their client in different ways.

Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company's insurance products. They may also be required to sell other products from that company, such as annuities and investment plans. Since they only sell for one company, they generally have an in-depth knowledge of that company's policies.

Independent agents and brokers can offer products from different insurance companies. Having more companies helps them better serve their clients, as they can review multiple options to find a policy and rate that is right for each individual. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan. Plus, they can offer affordable protection for a home, business and other assets. So, rather than spending hours gathering quotes from various companies, everything can be accomplished with just one call.

A good insurance professional will know all the questions to ask in order to assess his clients to find the right insurance coverage. He or she will also know how to attain a variety of discounts that are often overlooked when purchasing over the internet. Remember, many factors determine car insurance rates.
Companies look at driving history, type of car, claims history and other factors to determine rates. Taking a driver safety course or getting married may help increase policy discounts. An independent agent or broker can offer advice on what level of coverage makes the most sense for an older vehicle.

Consider separating a homeowner's policy from the car insurance policy. Bundling the two policies does not always equal cost savings. It may, but have an independent agent should evaluate the effects of separating the policies. The discount for keeping them together may be outweighed by the lower price another company has for car insurance. An independent agent or broker can offer guidance for multiple insurance needs-auto, home, life, business and more. They can customize a package of policies just for any consumer.

Compare Insurance Agents – How to Compare and Find the Best Insurance Agents

Insurance agents present problem to would be buyers of insurance covers in many ways. The insurance agent is well informed about the product the customer requires and can easily convince the client into making a purchase without making an attempt to compare insurance agents. Simply using a word of mouth, an insurance salesman makes a…

Insurance agents present problem to would be buyers of insurance covers in many ways. The insurance agent is well informed about the product the customer requires and can easily convince the client into making a purchase without making an attempt to compare insurance agents. Simply using a word of mouth, an insurance salesman makes a living; so do not underestimate when you come across them. They are salespeople after all and convincing people is what they do.

So why would one let themselves fall into such a gap trap? Logic would rather advise that we exercise due to caution in dealing with such people. Tomorrowmore, the money you intend to spend on any product, they will sell you is yours, and you should not end up swindled out of it because of being naïve. We must compare insurance agents if we intend to make good deals when buying insurance products from the agents of the companies.

A comparison of the products as well would be a useful tip in buying an appropriate product, and so you may want to compare insurance agents and find the agents with several competitive products in contrast to the one selling only a single product. The only sure way to protect yourself and your interests when buying an insurance product is to compare insurance agents.

After all, let us not forget that you are green as far their products are concerned and without comparison you can not tell whether an offer is attractive as it is made to sound or not. You are like a fish out of water and can not be expected to fare well under such circumstances. Such an approach to the purchase of almost any commodity is unwisely and should be avoided at all costs. It will probably cost you more when you do not compare insurance agents because you will end up paying more for less service contrary to paying less for more service. You only guarantee that you have made the right decision will arrive through comparison.

Marketing For Life Insurance Recruits – The Best Kept Marketing Strategy

Targeting The Right Crowd Have you ever felt the fear of rejection when trying to get individuals to join your down line? Have you ever felt like every penny you have is slowly squeezed from you on useless advertising? Has it ever seemed like there's a secret out there that is being kept from you…

Targeting The Right Crowd

Have you ever felt the fear of rejection when trying to get individuals to join your down line?
Have you ever felt like every penny you have is slowly squeezed from you on useless advertising?
Has it ever seemed like there's a secret out there that is being kept from you to boost your recruitment cycles?

Well, it should be no surprise – there has!

You probably have not felt comfortable going on to your computer and marketing online. I do not blame you because there is nobody to train you on how to do just that. The internet has millions of people looking for career opportunities and even better, specific opportunities. Learning how to harness the power of online marketing will get those opportunity seekers to come knocking on your door. The best part about this type of online marketing is that you do not have to have tons of money nor do you have to be a computer guru. Having a lot of money is really not necessary, especially when the majority of this particular type of online marketing can be done for FREE. This type of internet marketing truly goes on the old saying its better to be taught how to fish, than to be given a fish.

Lets take a look at Warren Buffett. Even though his family had money, he figured out very early how to make his own. When he was only 6 years old, he bought six-packs of Coca-Cola from the grocery store for 25 cents, and then resold each of the bottles for a nickel, making a five cent profit. By the time he finished high school, he'd already made 5,000 dollars delivering newspapers. He did not even want to go to college – he thought it was a waste of time. But his father pushed him and so he did. Then, when he seriously got down to investing, he quickly became one of the most famous investors in the world. In six short years Buffett built up his capital from $ 9,800 to $ 140,000. Over the next five years, he multiplied the money more than 5 times over. And he was still just getting going. Within 10 years he was worth almost $ 7 million. By the late '70s, Buffett's personal wealth was almost $ 140 million. By 1989, Buffett was worth more than $ 3.8 billion dollars. And in the next 10 years he would multiply that several times over.

Other famous people were not rich when they started their venture either. John D. Rockefeller was not rich when he started. And neither was Sam Walton, Andrew Carnegie or Bill Gates. There are plenty other rags-to-riches stories you've never even heard about. So if you heard that saying that you need a lot of money to make a lot of money, its actually the opposite.

But there are not many ways to do it, unless you happen to start a very successful business, and most businesses fail in the first couple of years. You may have even found that out the hard way. One way I know of that's very easy, takes very little money, and is the most viable to market for prospects for your down line is Attraction Marketing. It's a secret very few have discovered in the MLM business. There are only certain kinds of opportunities that will present themselves to you, and give you effective, tangible results. Check it out for yourself by visiting my blog for more information on it.

Now, I'm not worried about you disagreeing with attraction marketing. You see, four out of five people who try attraction marketing find its unique perspective too important to be without. Not to mention that I'm sure you'll see that the advice can be essential to your overall recruiting success and business success.

Seek Beyond The Daily Grind

When you joined the organization that you were in I am sure you were all hyped up and had great dreams of success. It was a little bit different from reality now was not it? The reason why it did not work out was probably because you were told to talk to your family and friends, which by the way are the people that think you know yourself.

First, try this little mental experiment. Put your doubts aside and ask yourself “what if” …

Now, I have already mentioned that it is inexpensive, and that you do not have to be a computer guru to learn attraction marketing. So how about some more “what if” statements that come to mind?

What if:

* it sets me apart from everyone else, and the norm.

* it allows me to find people that are seeking for opportunities I can offer.

* it is what I have been looking for but never found.

* it is going to take time.

* it is going to require for you to step outside of your comfort zone.

The great thing about this system is that it does take time. I am not here to give you some type of a quick-fix solution. I am here to be real. Learning anything new will take time, but the results that you will attain are astonishing. It will definitely require for you to step outside of your comfort zone and catch up with the times. Everything is on the internet these days. Did you know that 2 / 3rds of people on this earth prefer to go on the internet than to watch television? Think of all of those times that you had a question and went to on Google to search for the answer. Find a way to reach prospects that are searching for the questions that you have the answers to by applying Attraction Marketing to your business!

Insurance Continuing Education Rules and Regulations

There are some states in which insurance laws are quite easy to understand and there are some states in which it'll take a bit of time. Actually that depends on the kind of insurance products the state needs, and California has some products you will not see anywhere else in the country! For instance, there…

There are some states in which insurance laws are quite easy to understand and there are some states in which it'll take a bit of time. Actually that depends on the kind of insurance products the state needs, and California has some products you will not see anywhere else in the country! For instance, there is Life & Fire casualty, which is a whole different genre of insurance, and we will not find it in many American states. What are common to most of the other states are Life & health, and Property & casualty courses. Why we are stating these differences here is because these form the basics for insurance continuing education California.

Since insurance is one of those fields which mandates compulsory training and re-certification periodically, continuing education is quite a big industry. In the recent years, the preferred mode of insurance continuing education California has been online. A large percentage of agents in the state choose to do their courses and take their exams online, as it is extremely convenient and also very economical when compared to the fees at a local insurance school. In California, the number of required courses also is higher than the ones in most of the other states in America.

While some states have just one required courses, most have 2-3 topics that are required. However, California has five topics which need to be taken during each re-certification period, and that again is different from other states. Here, a new licensee in insurance would need to complete 25 hours of insurance continuing education every year for the first four years, and then 30 hours every two years. Then there are the specialties. For example, agents who sell long term care insurance policies are required to attend 8 hours of a special long term care module once every two years, and the rest of the training hours can be of any topic the agent chooses.

Like we mentioned in the first sentence of this article, there are some complex laws here, right? But in the long run, this continuing education will pay rich dividends to each agent, as their knowledge on the field is much higher compared to many other states' agents. Since training is so crucial here, online California insurance continuing education is growing in popularity each year. The money saved per year here will amount to much in the long run. To give you an illustration, online courses just cost about $ 1 per hour, payable after passing the exam! Find out how much it would cost at your local academy.

I recommend doing your insurance continuing education online. It is fast, easy, and affordable these days. It is also more convenient than going to a classroom and spending your weekends learning about CE. Do it on your own time and your own pace from the comfort of your home. California insurance continuing education is very important, because you do not want to lose your license or receive any fines from the state.

Be Annuity Marketing Smart – Use Science Instead of Art in Direct Mail

I have a lot of fun listening to annuity agents and their ideas about marketing and lead generation. One of my favorite methods of lead generation is direct mail. I have found through the years that direct mail is effective and leads to sales. Many agents think it is old fashioned and a waste of…

I have a lot of fun listening to annuity agents and their ideas about marketing and lead generation. One of my favorite methods of lead generation is direct mail. I have found through the years that direct mail is effective and leads to sales. Many agents think it is old fashioned and a waste of time and money. Not me.

The reason it works for me is because I leave nothing to chance and I am thorough in researching before spending my marketing budget. If you are basing your marketing strategy on guesses, advice from other agents or merely wishful thinking you are not being effective. No researching your marketing efforts is a sure sign of failure and complete loss of control over your lad generation.

Each consecutive step in a marketing plan is linked to the success of the previous step, one wrong move not based on research which destroys your chances for lead generation. Direct mail marketing is about knowledge, being specific in target marketing and understanding existing facts about previous returns.

Almost every company in this business will provide you with estimated statistics and using those numbers to make your marketing selection is the smart money decision. Direct mail is really a science and should be approached in that manner. Know your market and understand what your expected results will be before you mail. If the results are not accurate or as desired then it needs to be fixed.

I suggest you use the services of the mailing company and ask to see past return statistics based on your target market and your demographics. If the mailing company can not provide you with verifiable statistics then find another mailing source. I always ask for referrals to other agents who have used their services. This is just being marketing smart.

Which is Better, a Bank CD Or an Insurance Company CD? Use This Quiz to Get Tons of Annuity Sales

The answer is it all depends. It depends of the purpose of the money and what the prospect wants to accomplish. A fixed deferred annuity can be a reasonable alternative to a bank certificate of deposit (CD). Ask your prospect the following questions to determine if a fixed deferred annuity may better meet their long…

The answer is it all depends. It depends of the purpose of the money and what the prospect wants to accomplish. A fixed deferred annuity can be a reasonable alternative to a bank certificate of deposit (CD). Ask your prospect the following questions to determine if a fixed deferred annuity may better meet their long term savings goals.

If their answers indicate that a long term horizon for their savings is currently held in a CD then the annuity alternative might make sense? This would be a great time to explore the advantages and disadvantages of a fixed deferred annuity vs. a bank CD with your prospect ..

Annuities are long term retirement products and may not be appropriate for everyone, the best way to determine if they do make sense if to make yourself fully aware of your prospects goals and needs.

Would a fixed rate annuity be better than a CD for my long term goals?

Questions for Your Prospect

* Do you currently own a bank certificate of deposit? Yes or No

* Are any of these CDs maturing in the next 90 days? Yes or No

* Are you planning to use any of these funds in the next

5 years? Yes or No

* Do you have sufficient liquid assets should be unexpected

family or medical emergency arise in the next 5 years? Yes or No

* Have you requested at your local bank about current interest rates? Yes or No

* Has the bank notified you about new renewal rates? Yes or No

* Could deferring taxes on the interest earned be a tax savings? Yes or No

* Would you consider an alternate fixed interest product

if it made sense to you? Yes or No

Leads For Life Insurance Information

Is it possible to do a selling job without the relevant leads? It may not be impossible, but certainly difficult. Ask any life insurance agent regarding the importance of life insurance leads, and he would tell you that these are part of his life support system. We insure our lives for more reasons than one,…

Is it possible to do a selling job without the relevant leads? It may not be impossible, but certainly difficult. Ask any life insurance agent regarding the importance of life insurance leads, and he would tell you that these are part of his life support system. We insure our lives for more reasons than one, but leaving something valuable in terms of a life insurance policy is considered to be a prized gift for people who we leave behind. The life insurance agent, with the help of these leads gets to know about our requirements and gets in touch with us, to advise us regarding the best policy that is not only suitable for us but for our pockets too.

To know how these leads help the agent to connect with us, you have to know the process from the beginning. When you want to buy an insurance policy, you want free insurance quotes from different insurance providers. You visit the relevant sites and fill up the required forms with your contact details for the company to revert to you. Such information, provided by thousands of willing buyers is life insurance leads, which are subsequently sold by the insurance company to agents.

So far so good, but what makes them exclusive insurance leads and how do they make more business for the agent?

When the insurance provider sells the contact information of willing customers, there are also large numbers of agents who bid for them. An agent may decide to pay a higher price and get some 'exclusive' insurance leads which insure him a select group of clients where he would have to face less competition from other fellow agents. This means that lower bids involve several agents. The more 'exclusive' the life insurance leads are, the less the competition. These leave the agent with only one job – he simply has to contact the potential buyer and clinch the deal.

The Money Transfer, Get the Money Transferred For a Quick Sale

Selling the annuity is the first half of the deal, getting the money is the second half. Many sales have been lost because an agent left this process up to the new business department of the receiving insurance company. I take control of this process and make sure the funds are transferred. If the funds…

Selling the annuity is the first half of the deal, getting the money is the second half. Many sales have been lost because an agent left this process up to the new business department of the receiving insurance company. I take control of this process and make sure the funds are transferred. If the funds are not transferred then there will be no sale and if no sale, no compensation.

If I are dealing with a broker (and are not securities licensed) I outsource the transfer to a specialty house who will move the funds for me. There are numerous sources that provide these services.

If I am moving money from a variable annuity, I source the transfer papers form the variable annuity's website and have them ready for my prospect. If the variable annuity is listed on the broker's monthly statement it will be shown as assets “held outside.” I deal directly with the variable annuity company and not with the broker and handle it as a 1035 tax free exchange.

If the funds are in an IRA I have the IRA submitted and the money sent to the prospect. I have the prospect call me when they come and I have the prospect endorse the funds to the new account. I always set up he new account prior to sending in the funds and have the insurance company issue a policy number. I make sure the policy number is on the endorsements side of the check and I mark it “for benefit of” and insert the prospects name.

I always have the necessary paperwork ready at the close for the prospect to sign. I then have my assistant call the prospect a few days later to check in and make sure there are no issues.

The Annuity Product, It’s Not Important

It would be safe to say that I love annuities. I own them and I sell them. When it comes to suggesting a product for my new prospects I look at the features f the annuity in relationship to the needs of the prospect. The actual product can vary based on the state of residence…

It would be safe to say that I love annuities. I own them and I sell them. When it comes to suggesting a product for my new prospects I look at the features f the annuity in relationship to the needs of the prospect.

The actual product can vary based on the state of residence and the type of product. Many fixed rate annuities and some equity linked annuities are not available everywhere. By focusing on the benefits the annuity provides allows for less influence on the actual product as the needs of the prospect.

Generally, I sell a 10 year EIA which does not lock I the beneficiary to the contract and one which pays full value at as a death benefit. I will go to an A- rated company and I always make sure the prospect knows the ratings. I use AM Best and get the info from their internet site. www.ambest.com

Many agents begin the selling process by explaining the annuity features and the possible yields. Often times the explanation of the annuity is explained before the need for the annuity has even been established. Focusing on the “hottest” product makes the agent an order taker. Being an order taker establishes the agent as a next greatest product pusher. This category of agent will only be interested in continuously replacing business one annuity with another.

I never dwell on the actual product without I am associating a specific feature which would benefit a specific need of the prospect.

Keep it simple.