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Wednesday, November 28, 2012

Are You Purchasing Insurance? Read These Tips First!

Insurance: car insurance, life insurance, home insurance, health insurance, and the list goes on. Everyone needs to invest in many types of insurance throughout their lives, but how can you be sure you are picking the right kind from the right agent? This article offers some useful tips and tricks for choosing the right kind of insurance and the right insurance company.

When it comes to insurance the old saying you get what you pay for cannot be any more relevant. If you are not willing to shell out reasonable money on premiums every month do not expect reasonable coverage. Conversely, if you shell out a good amount in premiums expect good coverage.

There are so many reasons why you need insurance. There is not one person who would not benefit from some type of insurance policy, whether it is life, health, dental, or some other type. Insurance has a great place in this world, as it allows us to afford the things we need the most, when we need them the most.

Always make sure to be prompt in filing insurance claims. If your insurance provider demands any information, supply it for them as soon as you possibly can. This could eliminate unforeseen problems later on. If your insurance provider does anything that you feel is unreasonable, tell them so in writing.

Keep your agents updated about anything that could give rise to a claim. Contact them right way if you suspect that this is happening or that this will happen soon. Your agent needs to be notified so that they can help you get everything in order in relation to your policy.

Go through any photographs you have. If you are filing an insurance claim, it could be time to break out your old snapshots. Look for any pictures that feature the thing that was damaged. Put these aside and be sure to keep them handy. Supply them to your insurance provider if necessary.

Make sure you know what your state requires as far as car insurance is concerned. Different states have laws pertaining to how much coverage is needed. You will need to know in case you do not need as much coverage in one area as you do in another and want to decrease your premium.

Make sure that you remember to write down your claim number. When filing an insurance claim, you will most likely be given a claim number. Make sure you have a record of this claim number. Write it down more than once. Keep it somewhere where you will not lose or forget about it.

Make sure that you carefully and fully read through any insurance policy that you are going to sign. Read and understand what it entails and pay special attention to the fine print. If it's not written in plain English, make sure that you ask the agent to explain it to you. Don't sign anything without reading and understanding it.

As an aside to watching your expiration dates, make sure that you give yourself enough time to properly renew the policy. There are no grace periods when it comes to insurance. Once it ends, it ends. When you reach the expiration date and you have not renewed it, you have to reapply for coverage.

Whatever type of insurance you need, it is best to shop around before choosing a company. Some people use the same car or homeowners insurance carrier their parents use just because it's more convenient. Most of the big insurers want to retain customers for a long period of time and will offer discounts for using them for all your insurance needs.

Be proactive when dealing with an insurance company. If you are filing a claim, supply your insurance provider with proof of the damage done as soon as you can. Give them your estimations of how much they owe you. Do not wait for the insurance provider to give you their own estimations.

With all of the types of insurance, policies, and companies that are out there for the choosing, making sure you make the right choice is vital to your personal needs. Now that you've been introduced to some tips for choosing the right kind of insurance, start looking around and obtaining quotes!

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Four Guerrilla Marketing Techniques Insurance Agents Should Use!

Building a clientele of insurance customers isn't the easiest thing to do. And whether you are just starting out in the insurance industry or if you have had years of experience, it's always good to find ways to attract customers without spending too much on your advertising expenses. That's where guerrilla marketing can help. Guerrilla marketing is a way to advertise your services with a minimal (if any) cost to you. Here are four effective guerrilla marketing techniques you should start utilizing now to attract more customers.

Paying it Forward - This technique may cost a few dollars but the returns can be huge. The next time you are at the coffee shop, the movie theater or somewhere like that, pay for the person's ticket or coffee that is behind you. Then, give the cashier a business card to hand to that person. Even if you don't get that person to be a client of yours, the word of mouth is going to be huge and you could reap the benefits in the near future. With this technique, keep your costs at a minimum by making sure the person behind you is an individual or a couple instead of a group or family of 5 or 6. Write a Few Guest Blogs - If you know someone who runs a blog about the type of insurance products and services you provide, you can ask if you can do some guests posts. A guest blog will get you some recognition and you can almost always include a link to your website somewhere in the blog or at the end. Guest blogging also gives you credibility in your insurance specialty which is great for business Create a Top 10 List for Promotional Purposes - People see business cards every day at the cash registers and other areas of your local businesses. In fact, they are so prevalent that most people simply don't notice them anymore. But if you make your promotional materials unique, you will have a better chance of being noticed. Why not create a "Top 10 Reasons to Choose [your business name here] for Your Life Insurance" and put those out instead of your business cards? People love lists because they are concise and easy to read. Make your list humorous and true and you will notice an increase in your clientele in just a short time. Send Holiday Emails - Holiday emails are a great way to connect with your current customers, but why not send them to your past clients as well? They may not be using your services right now, but if they need them again, your name will be the first one they think of if you keep in touch with them. Send them emails for the appropriate holidays that they celebrate so as to not offend them and you'll see a huge return for nothing more than just a few minutes of your time.

These are just a few techniques you can put into your advertising arsenal to help build your customer base. Of course, the more creative you can be will be a factor in how many people you will attract to your insurance products and services. Just remember that the most effective advertising techniques aren't always the most expensive ones.

Three Tips for Selling Life Insurance to Newlyweds

There are various stages in life when people seriously consider purchasing life insurance. One of these stages is when they first get married. They are thinking about the future and what would happen to the surviving spouse if one of the spouses was to die unexpectedly. With these thoughts in their mind, they are more open to do the responsible financial thing and buy life insurance. If you find yourself with an opportunity to sell life insurance to newlyweds, here are some tips to help you close that sale.

State the Facts According to the Financial Planning Association, or FPA, life insurance is an essential part of joining a married couple together. As soon as two people are financially dependent upon one another as in a marriage situation, life insurance needs to be a top priority. Young couples often have financial obligations that they need to take care of and they need coverage for those obligations in case something happens to one of the spouses. Student loans, auto loans, mortgages and other debts will still need to be paid in the event of a death and if those loans are in both names, the surviving spouse is responsible for them. It is often unrealistic to be able to pay these and other bills on one income alone. A modest life policy can help relieve some of the financial strain that is caused when one income is lost due to the death of a spouse.

Sooner is Better than Later Another good reason for newlyweds to get life insurance as soon as possible is because it will be less expensive for them. As a young couple, newlyweds often have fewer health problems. And since health problems can lead to higher premiums, it is ideal to purchase a life policy before these problems occur. Buying as a young couple also increases their chances of getting guaranteed coverage for life, an option that many older couples do not have because they are higher risks.

Peace of Mind Buying life insurance offers a peace of mind that other insurance products simply do not offer. One can only imagine how difficult it would be to lose their spouse and then lose their home and other things that they invested in as a couple because they weren't able to pay the bills each month. If for no other reason, newlyweds may appreciate having at least a modest life insurance policy which would cover many of their financial obligations in case the unthinkable happens. They can always increase the coverage when they have kids or when their financial needs change over time.

These are just a few suggestions to help you convince newlyweds of their need for life insurance as early as possible. Many financial experts will say that life insurance is unnecessary until a married couple has kids, but the peace of mind that a life insurance policy can provide is worth the cost of the premiums alone.

Insurance Websites: Did Your Traffic Dive on April 24?

Did the Penguin Google Algorithm Change Impact Your Insurance Website?

When you were a kid, you probably heard the riddle, "What's black and white and red all over?" At that time, the answer was "the newspaper," but today the answer could be "Google." Google is concerned with all things online that are black, white and read. So it's no surprise that colors inspire the naming of their latest Google algorithm change "Google Penguin" that went into effect on April 24, 2012.

Like its predecessor Google Panda, Penguin is intended to reward white hat search engine optimization techniques - mainly packing your site with quality, original content. And, it is intended to penalize black hat techniques such as keyword stuffing, overuse of anchor text links and questionable linking schemes. In a May 3 press release, international search marketing firm, Zeno reports that companies saw traffic plummet overnight as a result of Google's recent changes. Google is the largest search engine, accounting for more than 66 percent of search traffic, so Google's changes are not easily ignored.

How about you? Have you checked your insurance website's analytics to see how you fared?

Thankfully, my clients' websites have seen an increase in organic traffic following the April 24 changes. If your insurance website has been adversely affected, take these steps:

Audit your website content and remove anything that is not original and high quality. Make sure that content is well-written and not over-optimized. Shoot for no more than 2% keyword density for a single term. So for example, if you page contains 500 words, and you're optimizing for the term "insurance website," don't use that term more than 10 times, or it's going to start sounding like keyword stuffing. Audit incoming links and discontinue links that are irrelevant or spammy. Check on screen internal links and make sure that make sense. Don't use an anchor text link that has nothing to do with the content of the web page. Blog, blog, blog. Every time you publish a blog article on your website, you add a page of quality, original content. Blogging is one of the fastest ways to build your site's value in Google's eyes. But, only if you're using quality well-written articles. Beware of the blog writers who will sell you an article for $12.

If you have no idea if your site has been impacted, it may be time for a new website strategy. If you sell insurance to businesses, you must have a quality, effective website and you should be generating leads from that website every month. This isn't just about image - it's about creating an efficient lead generation model. To learn more about what makes insurance websites effective, download our free report, "Effective Insurance Websites - What You Need to Know Before Your Next Redesign."

Ways to Promote Your Insurance Plans

As an insurance agent, you will simply come across a lot of obstacles as you venture along the area of your profession. However, you should always keep in mind that making a living at promoting insurance plans can be a very lucrative business. Taking for consideration that the insurance is one of the things that every individual needs nowadays, if the proper method is done, insurance lead generation would be easy for you to handle and all insurance leads would just continuously flow. So, to help you generate leads, here are some of the things that you can do.

Optimize Your Website - There is also another option upon which you can work by using the internet. Therefore increase the risk for expense as well as spend a few bucks optimizing your web page to draw the attention of potential clients. Employ an effective writer to create some interesting advertisements and articles that will talk to the actual clients which locate your site. Retain the services of an online marketing and advertising firm to improve your site's ranking on search engines. Work with other agents - Long-time agents in your community actually has a long list of clients. These kinds of agents might be prepared to aid you in getting in the business through transferring a few prospects to you. Originality - This is somehow the most important thing that you should consider. You should never copy the styles and strategies of others. If you have noticed that their strategy have worked effectively, you can actually adopt the gist but never the whole thing. Also, by having originality and uniqueness, you are establishing your own capacities and personality upon your society. The business lead swap - Some other agents might be able to advise their own clients to you personally if your policies doesn't overlap with their own. As an example, a health insurance agent could be happy to advise his / her business proprietor customers to go to you for their company insurance coverage. Networking together with many other real estate agents may also help you to get to understand the co-workers, and also competition. Brokers aren't the sole venue to construct your small business guide trade. Find companies and other ventures that are relevant to your area and make an arrangement. Mobile Marketing - Get in touch with the actual taxi companies in your area and also discuss an offer to get your emblem or logo around the attributes or even rear parts of the taxi cabs. These types of vehicles are typically vibrant colored and apparent. Owning a promotion strategy which makes use of the cab business is an excellent way to get noticed straight away. GIC's Offer Predictable Investment Returns - And Some Have Insurance Benefits Too Useful Tips for Selling Insurance 3 Mistakes to Avoid When Contacting Insurance Leads How A Bank Took Over The Relationship From My Financial Advisor

Knowing How to Choose An Insurance Adjuster That Works For You

Living near the ocean means you can do just about anything. You can enjoy the sun kissed weather but can also experience storms and the extremes of hurricanes. Amazing how the weather can change so sudden from sunny to cloudy. This is why most of the families and individuals who own properties near the sea have their places highly insured. To these home owners it is the wisest thing to do to protect their property from damages of weather conditions. Insurance help is the leverage for great possibilities of wild fires from the mountains, to floods and sinkholes occurrences from hurricanes.

With this said, we strongly recommend that you get some insurance coverage if you don't already have some. Life is full of possibilities, so do not be left in the dark when situations of devastation may occur. For every insurance need, be sure to choose an insurance adjuster that works best for you.

An insurance adjuster helps in the events which you need to file a claim for an insurance. Rather your needs be for a flood, a hurricane, or any type of accident you can let them represent you. They work as your guardians in a tough case to help you get back on the right track fast. You don't have to be a subject to stress because of follow ups and enduring the unfortunate events that you are into at the same time. Choosing an insurance adjuster that works for you can help you stay away from these troublesome times.

In times that a loved one have died, you can be very emotional and not in your right mind to make a sound judgment to start doing paper work. If you choose an insurance adjuster that works for you, you can be assured that your interests are protected. Only the best interest for you and your family will be assured with the help of an insurance agent.

They can analyze the provisions of your insurance and also have a thorough knowledge of the claim. You will get the best advice with them over anyone else. They can conduct their own damage estimation for properties, so you would know how much it is really worth. This is a good way to compare the computation made by your insurance company and that with the insurance adjuster.

For settlements, they can give you the best offers and they will not leave you at a disadvantaged situation. These are the reasons why you need to choose an insurance adjuster that works for you. To top it all off, look for a company that is credible to be your representative. Someone who can do face to face transactions with your insurance company and also has a license and accreditation in the state they are working in. Choose an insurance adjuster that works for you and will treat you personalized while placing your best interest as their priority.