How do exclusive health insurance leads improve the quality of my being as a human agent? Well the rest of this post will make absolutely no sens as it is an experiment. I suggest you go to the sidebar if you are looking for exclusive health leads.
This type of health insurance leads are the costliest but then simplest to process because the candidate is actively browsing and looking at to buy health insurance.
Although a lot of these candidates are cost shopping, you’ll as well see many of these candidates demanding to acquire some type of health policy due to alterations in conditions such as financial, work situation or health circumstance. This produces a sensation of urgency for your customer.
Remember, your insurance carrier has a policy for most all income level and health circumstance so don’t disqualify anybody or you’ll be leaving behind revenue on the table for your rivals and will have squandered revenue on the lead itself.
There are a lot of types of health insurance policy quote request leads to weigh:
Exclusive Leads
You’re the exclusive broker addressing this candidate. These health insurance leads incline to be really costly but likewise very useful. As a brand-new broker I advise holding off until you become consistent with your sales demonstration prior to investing in these.
Filtered Leads
These health insurance leads are commonly less pricey alternative than exclusive but have more additional expense over shared because of additional filters to place a particular demographic. These can be highly useful if you sense that you will be able to associate better to a particular group of candidates and consequently stick out from your rival. These can in reality bring down the overall price because it will restrict the quantity of leads a provider furnishes.
Shared Leads
A mid price alternative, these are distributed to other health insurance brokers and so rivalry can be fierce. You’ll as well receive a lot of these much quicker and have to act upon them promptly to stand out from your rival.
Dated or B-Leads
These leads are really inexpensive and can be really effective for a lot of causes.
1. The candidate was never got hold of.
2. The candidate didn’t purchase the 1st time
3. The candidate did purchase but arrived at a bad option.
Uninsurables
These health insurance leads are exceedingly inexpensive and are believed a waste of time by a lot of brokers, but this is the group most in need of prompt attention. A discount program or rx program does not seem like a good deal but recall that these candidates want any type of assistance they can acquire and commonly needed it yesterday.
Note: a few of these lead providers generate leads from associate sites that have zero to do with health insurance. If you go on to buy health insurance leads from such a company you’ll be able to tell apart pretty promptly when you get remarks such as:
“I was just now trying to acquire a free x-box on the World Wide Web and immediately everybody is calling me..”
Whenever you acquire leads like that you had better dismiss that health insurance lead provider rapidly. You’ll as well ascertain that lead companies that acquire their leads like that re-sell the leads again and again.Exclusive health lead generation through your agent website is a great resource for your insurance business.
Are you furnished with an internet site by your health insurance company to assist you generate health insurance leads? Are you putting your health insurance internet site to full usage to yield health insurance leads or is it sitting there with minimal or zero hits? There is a method known as search engine optimization that can aim traffic to your health insurance broker internet site and assist you generate more exclusive health insurance leads. Here is how to apply this tool for your health insurance business…
Have you ever tried locating your health insurance internet site by looking for it on google or yahoo? The possibility is that it’s concealed 100s or even 1000s of pages into the search results and will never be discovered by a genuine health insurance purchaser looking at to purchase health insurance from you. These are the figures you’ll see whenever you google the terms Health Insurance Quotes: Results 1 – 10 of almost 7,150,000 for health insurance quotes.
SEO (Search Engine Optimization) is the method that assists people discover your health agent internet site by increasing page ranking by your web site in google, yahoo, or additional seach engines as people type in keywords searching for health insurance quotes in your specific region.
There are 2 components most search engines apply to ascertain page rankings: Trust and relevance.
Trust is ascertained by how many additional pertinent sites are linked up to your internet site and relevance is ascertained by the manner key terms are laid out in your internet site. So how do you apply this knowledge to add hits to your internet site and generate health insurance leads?
1. The trust element
Here seems to be the single most authoritative factor in assisting your health insurance internet site climb up quickly in seach rankings.
You need links from additional health insurance related websites in order to achieve this. Don’t waste your time or revenue on link exchanges, they in reality will damage your health insurance internet site page ranking.
Best Sources for health insurance internet site links:
Insurance Forums: These are places where agents go to ask questions about Health Insurance issues and a lot of health insurance brokers take part in assisting them on answers. After a couple of posts, they permit you to have a signature added that contain a hyperlink to your internet site! A few even pay you to post, like ampminsure, so you are able to make a little additional for gas money. They are likewise an first-class place to network with additional brokers to acquire beneficial ideas for your health insurance business.
http://www.ampminsure.org/community/
http://www.insurance-forums.net/
http://www.americaninsurancebroker.com/
http://www.theinsuranceforums.org/
Your Health Insurance Lead Company:
If you are purchasing health insurance leads, a lot of these companies will allow for a hyperlink to your health insurance internet site site if you ask. It is just portion of their health insurance broker purchaser commitment plan.
Ask additional health insurance brokers to hyperlink to your internet site and reciprocally link to theirs.
Begin an informational web log that hyperlinks to your health insurance website: you will be able to discover complete and easy to follow instructions here: http://blogging.ampminsure.org/
Remember to keep it informational and non product or company specific or you will bump into clompliance issues. Here is a beneficial example: http://insurancemaze.ampminsure.org/
The last alternative is costly but it works well: Register with your local chambers of commerce and posting yellowpages ads. These both allow for high caliber hyperlinks to your health insurance webpage.
2. The relevance component
SEs likewise look at the relevance by your internet site to ascertain page ranking. They are searching for quantities of key words in your health insurance broker internet site.
Consider how many times I have utilized the keywords: Health, insurance broker, internet site, in this article or for that matter in any of my posts. If you have the ability to edit your health insurance broker website make it keyword rich. For instance if you were an agent who advertizes in Corona, CA. You’d prefer to have the keywords health, insurance, quotes, Corona, CA, inexpensive, Rates, as much as possible in the text and titles of your health insurance broker internet site.
If you don’t have the power to edit your health insurance broker internet site I advise doing a health insurance broker web log as discussed earlier in this article.
This is a time consuming process that won’t see overnight consequences but if worked at across a few months will begin to generate good exclusive health insurance leads that will add to your success as a health insurance broker.
Exclusive health lead generation through your agent website is a great resouce for your insurance business.
Are you provided with a website through your health insurance company to help you generate health insurance leads? Are you putting your health insurance website to good use to generate health insurance leads or is it sitting there with little or no traffic? There is a technique called SEO that can drive traffic to your health insurance agent website and help you generate many more exclusive health insurance leads. Here is how to utilize this tool for your health insurance business…
Have you ever tried finding your health insurance website by searching for it with google or yahoo? The possibility is that it is buried hundreds or even thousands of pages into the search results and will never be found by an actual health insurance customer looking to buy health insurance from you. Here is the numbers you will find if you google the terms Health Insurance Quotes: Results 1 – 10 of about 7,150,000 for health insurance quotes.
SEO (Search Engine Optimization) is the technique that helps people find your health insurance website by increasing page ranking of your site in google, yahoo, or other seach engines when people type in keywords looking for health insurance quotes in your particular area.
There are two factors most search engines use to determine page rankings: Trust and Relevancy.
Trust is determined by how many other relevant sites are linked to your site and relevancy is determined by the way key words are presented in your website. So how do you use this knowledge to bring traffic to your website and generate health insurance leads?
1. The trust factor
This seems to be the single most important factor in helping your health insurance website rise rapidly in seach rankings.
You need links from other health insurance related websites in order to accomplish this. Do not waste your time or money with link exchanges, they actually will hurt your health insurance website’s page ranking.
Good Sources for health insurance site links:
Insurance Forums: These are sites where people go to ask questions about Health Insurance issues and many health insurance agents participate in helping them with solutions. After a few posts, they allow you to have a signature added that contain a link to your website! Some even pay you to post, like ampminsure, so you can make a little extra for gas money. They are also an excellent place to network with other agents to get good ideas for your health insurance business.
http://www.ampminsure.org/community/
http://www.insurance-forums.net/
http://www.americaninsurancebroker.com/
http://www.theinsuranceforums.org/
Your Health Insurance Lead Company:
If you are buying health insurance leads, many of these companies will provide a link to your health insurance website site if you ask. It is just part of their health insurance agent customer loyalty program.
Ask other health insurance agents to link to your site and in return link to theirs.
Start an informational blog that links to your health insurance website: You can find complete and easy to follow instructions here: http://blogging.ampminsure.org/
Remember to keep it informational and non product or company specific or you will run into clompliance issues. Here is a good example: http://insurancemaze.ampminsure.org/
The last option is pricey but it works well: Register with your local chambers of commerce and placing yellowpages ads. These both provide high quality links to your health insurance webpage.
2. The relevancy Factor
Search engines also look at the relevancy of your site to determine page ranking. They are looking for amounts of key words in your health insurance agent website.
Look at how many times I have used the keywords: Health, Insurance, Agent, Website, in this article or for that matter in any of my posts. If you have the ability to edit your health insurance agent website make it keyword rich. For example if you were an agent who markets in Boise, Idaho. you would want to have the keywords health, insurance, quotes, Boise, Idaho, Affordable, Rates, as much as possible in the text and titles of your health insurance agent website.
If you do not have the ability to edit your health insurance agent website I suggest doing a health insurance agent blog as discussed earlier in this article.
This is a time consuming process that will not see overnight results but if worked on over a few months will start to generate good exclusive health insurance leads that will contribute to your success as a health insurance agent.
This past week I had a health agent contact me about the difficulty he was having explaining the benefits of association group health insurance coverage to a potential health client. He ended up losing the sale to a individual health policy that was only $10 cheaper on the monthly premium.
I know that a majority of our readers are health agents who write health insurance policies for the large captive agencies that offer association group health insurance policies, so I wanted to share a cool visual that really helps a potential health client to fully understand the benefit of association group health policies.
In most states , when presenting an association group health policy, the health insurance must present the association group first. The biggest benefit to association group health insurance protection offers is that the member’s premiums are determined by the usage of the entire group (risk pool) whereas an individual policie’s premium is determined by the individuals claims.
The way that health insurance premiums are determined is:
rate (regulated by state DOI) x risk pool (there can be up to seven on individual policies, only one on association group) = premium.
Ever had a health insurance prospect unable to grasp this?
Here is a good visual to add into your presentation to give your health insurance prospect a much better way of understanding the benefit that association group health insurance will have to them over the long term.
First pull out the book that contains the association benefits and place it to the side but in thehealth insurance prospect’s immediate veiw. Procede to tell your prospect about the association and that it offers many valuable benefits outside of the health insurance but the greatest benefit is in the group health protection that the association offers the ask this question exactly this way:
What is your understanding about how group protection works?
Most will answer “I don’t know.” Any answer is good though.
Now pull out Seven of your business cards and place them on the table longways side by side and ask the health insurance prospect if they know about risk pools. After they answer tell them:
rate (regulated by state DOI) x risk pool (there can be up to seven on individual policies, only one on association group) = premium.
Then ask them what risk pool they start out with and point to the first card. Ask the health insurance prospect witch one they would be placed in if they had a major ($50,000) claim. Point out the fith card and ask if they would be willing to pay five times as much for their insurance.
Now stack up the seven cards and tell them that this represents the protection of association group health insurance. There is only one risk pool. Ask them the same question, which one would they be placed in for a $50,000 claim. Point at the stack. A $100,000 claim? Point at the stack. A million dollar claim? Point at the stack.
You will see that they really get the point.
This past workweek I had a health broker inquire me about the trouble he was undergoing describing the benefits of association group health coverage to an prospective health customer. He wound up missing the sale to a individual health insurance policy that cost merely $10 less on the monthly premium.
I acknowledge that a bulk of our readers are health brokers who pen health policies for the big captive offices that provide association group health policies, and so I wanted to show you an cool visual that actually assists a prospective health customer to fully interpret the benefit of association group health policies.
In most states , while showing an association group health insurance policy, the health agent must introduce the association group first. The greatest benefit to association group health insurance security offers up is that the member’s insurance premium* is decided by the utilization of the full group (risk pool) whereas an individual policie’s premium is dictated by the individuals claims.
The formula that health premiums are ascertained is:
rate (governed by state department of insurance) x risk factor (there can be equal to 7 on individual policies, but one with association group) = premium.
Ever had a health insurance candidate not able to comprehend this?
Here is an effective visual to add into your demonstration to give your health insurance candidate a much better way of comprehending the benefit that association group health insurance will give to them over the long-run.
First pull out the book that holds the association benefits and put it to the side but in thehealth insurance candidate immediate veiw. Procede to assure your prospect about the association and that it offers up a lot of useful benefits outside of the health insurance but the biggest benefit is in the group health security that the association offers up then ask this question just this manner:
What is your understanding about how group security does work?
Most will reply “I do not know.” Any reply is fine although.
Immediately pull out 7 of your business cards and lay them on the table longwise next to each other and ask the health insurance candidate if they know about risk pools. After they reply tell them:
rate (governed by state department of insurance) x risk factor (there can be equal to 7 on individual policies, but one with association group) = premium.
Then ask them what risk factor they begin with and point to the 1st card. Ask the health insurance candidate which one they would be put in if they had a major ($50,000) claim. Call attention to the fith card and ask if they would be disposed to pay 5 times as much for their insurance.
Now stack up the 7 cards and assure them that this symbolizes the security of association group health insurance. There is only one risk factor. Ask them the equivalent question, which one would they be put in for a $50,000 claim. Point at the stack. A $100,000 claim? Point at the stack. A million dollar claim? Point at the stack.
You will determine that they actually get the point.
And so hand them the stack and tell them whenever they know of anyone they know of would like the equivalent kind of security that they are about to acquire (remember to assume the policy sale) you’d love to hear from them, because you are there to assist.
You’ll be surprised at how this closes your sales from the beginning and likewise yields outstanding referrals.
Then hand them the stack and tell them if they know of anybody they know of would like the same sort of protection that they are about to get (remember to assume the sale) you would love to hear from them, because you are there to help.
You will be surprised at how this closes your sales from the start and also generates great referrals.
Good Luck
I’ve received numerous inexperienced health agents asking me about online health leads recently, primarily about which companies have got the best insurance leads and which ones have got the better pricing structure for brand-new brokers.
The fact is that there’s more to the picture than the pricing and caliber. All online lead generator are going to give you leads that are no good, but there are a few that are actually good and a few that are genuinely bad.
Lets begin with the bad ones 1st. There are numerous health insurance lead companies out there that have a few things that actually go against a broker. One of these things is delivering pitiful control over their affiliate selling program. They allow anyone acquire affiliate links and allow them put them anyplace. A lot of times I’ve obtained leads from companies that the leads information was from a pop up frame from some kind of giveaway. These people had absolutely no concern in acquiring health or life insurance in the least but had completed a form trying to acquire a freebie. Just think about it, what is the odds of someone on line attempting to acquire something for zilch buying anything from you? These companies likewise have a problem of leads coming by junk e-mail email and the worst is that there are a few bunco artists who acquire these affiliate links and have a web of acquaintances complete the forms to get compensated. It gets truly insane with these companies and it winds up being altogether on you to get credit. A few of these leads companies even restrain the percent of returns you are able to get and so you wind up stuck with a bunch of drivel.
The additional problem that these companies have is that a lot of of them distribute either to one another or to higher priority call centers. These are the health leads you acquire who have been called fifty times that day, or were called up an hour earlier you ever acquired the lead. Even a few supposed unshared leads are just a lead purchased by a different lead company and distributed in one case by them at a higher cost to you. And back to the affiliate spammers, a few of them acquire links by multiple companies and pass on captured information to all of them at one time.
With that being said, there are a few actually good caliber health lead services out there that do away with most of these problems. I have three of them listed here and am working with a fourth that I really want on board before long.
The 1st one, and the one I’m most charged up about is brokers web. Here is how their system functions:
An individual searching the terms “healthcare” or “health insurance” finds their web site* healthcare.com or healthinsurancefinders.com. (google those 2 terms, you’ll discover how high those 2 sites are listed and you will see how heavy duty these two sites are.) When the start looking into health insurance they choose what type of health insurance they’re searching if it is individual health insurance, family health insurance, group health insurance, medicare supplement insurance, and so forth. and are required to enter their postal code. This leads them to a page of PPC advertisements brokers have posted.
So how does the PPC advertisements work? Simple: The broker or agency that’s bid the most gets posted at the top and the one that bid the lowest is at the bottom. When the advertisement is clicked, the prospect is directed to the brokers individualized referral page and once they complete the form, the broker is sent the exclusive health lead instantly. (This happens almost one-half of the time, that the form is finished.)
So the brokers at the top receive a lot more hits, but pay a good deal more for them. The health brokers in the middle of the pack get fewer, but get it at a better cost. The insurance brokers at the bottom acquire very little hits at all but they likewise do not pay a lot of anything in the least. So lets say that you posted a bid at $five a click and wound up someplace in the middle. You’d be generating truly exclusive health leads for barely over $10 for each one. Most lead companies bill over double that sum of money and then it’s hard to say whether they are genuinely exclusive.
The next insurance lead company that I have listed is InsureMe. They do generate a good portion of their leads through affiliate sites but they have their quality control in place. They only allow relevant sites to have their links and check on the sources of incoming leads to make sure that they are not posted on incentivized sites or being done through spam emails. They also keep check on the quality of leads, or how many returns they have from their affiliates. If the affiliate violates this they get banned. They also do not buy from other lead companies or sell to other lead companies. This keeps the quality of their leads relatively high. Their lead return policy is also good.
The last company that I have listed is Leadco.biz. They sell exclusive health leads that are phone verified. These leads are generated by them and they specifically target small business owners and self employed individuals. They have been around in this business for quite awhile and I have run into many long time agents who swear by them. They are mid range in pricing for exclusive leads but think about this: they have actually talked to the prospect before the lead ever goes out to an agent. Pretty good as quality goes. And their return policy is also good although they don’t have many of these.
Like I said, there is another company I am currently trying out and am having good results with and I will let you know how that works out. I am also working on doing some interviews with some of these companies management so if you have any questions about health leads that you would like me to ask them, please leave a comment.
I have had a lot of new health agents asking me about Internet health leads lately, mainly about which companies have the best insurance leads and which ones have the best pricing structure for new agents.
The truth is that there is more to the picture than the pricing and quality. Every Internet lead source is going to give you leads that are no good, but there are some that are really good and some that are really bad.
Lets start with the bad ones first. There are some health insurance lead companies out there that have a couple of things that really go against an agent. One of these things is having poor control over their affiliate marketing program. They let anybody get affiliate links and let them put them anywhere. Many times I have gotten leads from companies that the leads info was from a pop up form from some sort of giveaway. These people had absolutely no interest in getting health or life insurance at all but had filled out a form trying to get a freebie. Just think about it, what is the likelihood of someone on line trying to get something for nothing buying anything from you? These companies also have a problem of leads coming from spam email and the worst is that there are some con artists who get these affiliate links and have a network of friends fill out the forms to get paid. It gets really crazy with these companies and it ends up being all on you to get credit. Some of these leads companies even restrict the percentage of returns you can get so you end up stuck with a bunch of garbage.
The other problem that these companies have is that many of them sell either to each other or to higher priority call centers. These are the health leads you get who have been called 50 times that day, or were called an hour before you ever got the lead. Even some so called exclusive leads are just a lead bought from another lead company and sold once by them at a higher price to you. And back to the affiliate spammers, some of them get links from multiple companies and submit captured info to all of them at once.
With that being said, there are some really good quality health lead services out there that eliminate most of these problems. I have three of them listed here and am working with a fourth that I really want on board before long.
The first one, and the one I am most excited about is brokers web. Here is how their system works:
A person looking for the terms “health care” or “health insurance” finds their sites healthcare.com or healthinsurancefinders.com. (google those two terms, you will see how high those two sites are listed and you will see how heavy duty these two sites are.) When the start looking into health insurance they select what type of health insurance they are looking for if it is individual health insurance, family health insurance, group health insurance, medicare supplement insurance, etc. and are asked to enter their zip code. This leads them to a page of pay per click ads agents have placed.
So how does the pay per click ads work? Simple: The agent or agency that has bid the most gets placed at the top and the one that bid the lowest is at the bottom. When the ad is clicked, the prospect is sent to the agents personalized referral page and when they fill out the form, the agent is sent the exclusive health lead immediately. (This happens almost half of the time, that the form is completed.)
So the agents at the top get a lot more traffic, but pay a whole lot more for it. The health agents in the middle of the pack get less, but get it at a better price. The insurance agents at the bottom get very little traffic at all but they also don’t pay much of anything at all. So lets say that you placed a bid at $5 a click and ended up somewhere in the middle. You would be generating truly exclusive health leads for just over $10 apiece. Most lead companies charge over twice that amount and then it is hard to say whether they are truly exclusive.
The next insurance lead company that I have listed is InsureMe. They do generate a good portion of their leads through affiliate sites but they have their quality control in place. They only allow relevant sites to have their links and check on the sources of incoming leads to make sure that they are not posted on incentivized sites or being done through spam emails. They also keep check on the quality of leads, or how many returns they have from their affiliates. If the affiliate violates this they get banned. They also do not buy from other lead companies or sell to other lead companies. This keeps the quality of their leads relatively high. Their lead return policy is also good.
The last company that I have listed is Leadco.biz. They sell exclusive health leads that are phone verified. These leads are generated by them and they specifically target small business owners and self employed individuals. They have been around in this business for quite awhile and I have run into many long time agents who swear by them. They are mid range in pricing for exclusive leads but think about this: they have actually talked to the prospect before the lead ever goes out to an agent. Pretty good as quality goes. And their return policy is also good although they don’t have many of these.
Like I said, there is another company I am currently trying out and am having good results with and I will let you know how that works out. I am also working on doing some interviews with some of these companies management so if you have any questions about exclusive health Insurance leads that you would like me to ask them, please leave a comment
Cheers,
Mac
