California – Best Insurance Agents Rating?

The rating means how we rank the state for independent and semi-independent agents that broker insurance cases. California Gets and Deserves the top rating of 2nd. What a great marketing opportunity this provides not only for recruiting but for outside product sales targeting agents with sizable incomes.

California insurance agents were researched and analyzed over and beyond normal boundaries to prepare this direct marketing insurance report. We closely evaluate our immense insurance database, looking for trends, statistics, and figures. We looked at the records of 140,000 California Department Health, Annuity, and Life Insurance Agents. Next we put them through a series of numerous computer data programs. Only then was it was determined how many of the 140,000 broker business. By brokering, this means agents who willing place business outside their primary company as semi-independent agents or are fully independent brokers.

The first step is to match up this information with the demand from our clients: insurance company recruiting directors, regional recruiters, brokerage firms, wholesalers, independent marketing firms, state managing general agents and other classifications of insurance marketers.. Next we factor in economic, demographic, and educational data. Last, and certainly not least, we evaluate feedback received from recruiting firms that recently marketed their products to California insurance agents.

California is an amazing close runner up to Florida as the ideal recruiting state. California insurance agents rank as champion in this category. That is the ratio of total licensed agents to those that independently broker of insurance products. California insurance agents are overwhelmingly open minded to offers from insurance advertisers. The experienced California insurance agents are keen to above the ordinary products to broker the prime products to their clients. Slightly over 53,000 insurance brokering agents call California home.

The number of supersized career life agencies with 50 to 350 agents is surprisingly small in California. Especially when comparing it to other larger states. In particular the New England area states. The factor of less large career agencies keeps agent turnover distinctively lower than normal. Also in California metropolitan southern areas, traffic congestion plays a major role. This directly effects how far an agent will reasonably travel to reach a client. It also effects their office locations, attending a seminar, or feeding the gas tank.

This has a rebound result. The amount and percentage of personal producing General Agents in California, that are home based far exceeds all other states.. This distinct characteristic is especially true in the metro Los Angeles area. The majority of California’s small office General Agents have worked their way into the top earning brackets of insurance salespeople nationwide.

For recruiting California insurance agents there are two areas where top agents are not relentlessly pursued. The first is the Central area, which we distinguish as zip sectional centers 930-939. Second, less competition of recruiting California insurance agents is found in the northern part of California. The northern area encompasses zip sectional centers 940-960. These California insurance agents do not receive the extensive intruding telemarketing, unwanted email blasting, irritating faxes, or dull mailings their southern counterparts are overwhelming and consistently blasted with.

However to retain your producer, your product must remain strong. In turn, this requires your sales marketing letter for obtaining leads to recruit agents to be superior to any competitors. Of course maintaining a strong agent relationship is unmatched for retaining agents when your smartest competitors are relentlessly hunting down your best producers.

Here is a very unique reason, yet overlooked, California agents make you more money. Look at the average cost of owning a home in just about any up and coming area of California. Compare these housing costs to some upscale cities in southern states, or even Texas. The price is often triple! Currently, It is now estimated the 1/3 of the homes in the Metro L.A. dollars sell for a million dollars or more. This means that California insurance agents require being more open-minded to upgrading ways to increase their insurance income. It is a simple matter of survival. California agents need to make money and lots of it. Translated to production, it provides an unparalleled need to write mighty premiums and policy after policy.

California is a treasure chest for recruiting marketing experts seeking profitable rewards.

On the reverse side, look at the less experienced and mostly captive California insurance agents. If the newly recruited California insurance agent ends up making $40,000 or less during their four years, count him or her long gone. In the vast majority of states, real estate agents desiring higher income make the transition to selling insurance. In California it is the opposite. Just selling one million dollar home every 3 months would translate to $60,000 at a minimum. How many California insurance agents do you know that net over $50,000 income their first year? (It won’t take a calculator to figure out). That is the best reason to forget the rookies, and go for the pros.

With over 50% of the agents residing in the largest 5 counties, concentrating recruiting on the other counties will increase your results. TIP: The Metropolitan Los Angeles area, zips 900-919, receive over 65% of agent marketing list order requests. Leave L.A. The exception is when your sales marketing letter to California insurance agents is not for contracting agents, but for selling them other products. Segmenting your list to reach only the most affluent areas, directs targeting that is tailored to your marketing audience.

Some important statistical information on licensed California insurance agents.

State Population 2005 – 36,135,000, Population Change 2000-2005 +6.5%.

Agents per thousand residents is 3.0 (ideal), People per square mile is 217.

Median Family income is $58,330.00. Income rank to all state is 13.

High Schools graduates are at 76.8%, and College degree education is 26.6%

The senior citizen population is at only 10.7%.

The largest counties in California are Los Angeles, Orange, San Diego, San Bernardino, Santa Clara, and Riverside, with the first 5 counties comprising 50% of the population.

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Not All Insurance Agents Are Created Equal

Agents have fiduciary duties to their clients requiring the agent to collect all relevant details of the risk to be insured. That involves asking several questions as to the characteristics of the risk which the insured wants to place insurance against. All the collected information needs to be translated to the underwriter of the carrier which the agent wishes to quote/place the policy so the underwriter can appropriately approve and bind coverage.

If an insured withholds material information, asked of him from the agent and the underwriter, who then proceeds to place the policy enforce, the burden falls on the insured in the event of any uncovered claims arising from the omitted information. If it is the agent that withholds material information or does not ask appropriate questions, the burden falls squarely on the agent’s shoulders. The agent should have asked the right questions, collected the insured’s response and submitted those answers, via the application, to the underwriter and/or carrier. This is where all agents are not created equally.

Insureds seek out an agent that they feel comfortable in handling their insurance needs, whether it be personal insurance or business insurance. Insureds that receive a warm fuzzy feeling from an agent the first year are less likely to change from year-to-year unless the agent makes an egregious error in his fiduciary duties, such as placing a policy that does not match the needed coverage (usually not discovered until a claim is filed and not paid). That is Marketing 101: spend 90% of marketing money attracting a client and 10% keeping the client. Unfortunately, some agents use all means necessary to attract and retain their clients even if that means acting in the agents best interest instead of the insureds interest.

I encounter this problem more often than I like to recall. I am no different than any other agent when it comes to soliciting new business from my community. I shake hands, kiss babies, attend social functions, and join networking clubs for the sole purpose of obtaining new clients. That means I have to impress someone greater than their current agent is doing. The difficulty is when the current relationship has been well established over a several year period and the incumbent agent has been doing business as usual. Business as usual means the agent has established a rapport with his client well enough where the agent completes the application for the client assuming he knows exactly what the client needs and the specific characteristics of the risk. “Oh sure, Mr. Client, this new property purchase is just like the other 3 we insured for you last month. I’ll get that taken care of for you.” No other questions. No other information requested or supplied. The client is thinking how great it is that all he has to do is call his “great” agent, tell the agent he just purchased something similar to past purchases, and BAM, all done. Covered. No more time wasted on silly details.

Let us continue with that same client and say I meet him at one of the many functions I described earlier. He and I go through the usual introductions, getting to know what our respective professions are and how business is currently going. He gets one of those warm fuzzy feelings about me based on how I conduct myself and how I answer his inevitable insurance questions. He says, “Can you take a look at my policies for me?” I obligingly say yes. When I receive his current policies, I go through my usual due diligence asking what is the use of the property, what are the primary operations of his business, etc. Once I feel I have a market that can compete against his current carrier, I email the needed applications over to his email and ask him to complete and sign them.

Here is where I find out what kind of relationship he has with his current insurance agent. If he shoots back a reply like: “My agent fills these applications out for me and just submits them.” I realize I have an uphill battle with this prospective client. He has been groomed to have the agent handle everything for him without having to lift a finger. I appease the prospective client by allowing him not to complete the application but I proceed by asking the needed questions in order to properly quote and, hopefully, place the policy. If I get a reply like: “Why do I need to answer all these questions? My agent just does all this for me.” Depending on how I feel about the prospects attitude, at this time, I may just tell him that he is better off staying put with his current agent and carrier. If I feel there is an opportunity to interject some reason to win over a more rationale mentality, I proceed.

More times than not, in those circumstances, I find that the prospect’s agent has not performed his fiduciary duties of gathering proper information and making, what could be, an expensive recommendation, a recommendation that may not sit well with the client. The agent feels that if he comes back with a price more expensive than the client is accustom to, the client may not take the policy. Therefore, the agent not only looses the policy commission but possibly the client, also. The agent may feel the client will “shop” his rate for a lower price. Conversely, what a good agent will do is “groom” his clients from the beginning by having prospective clients self complete ALL applications making sure not leave any section answered or at least addressed no matter how minor or trivial.

In this situation, I also find that the incumbent agent has not forwarded to the carrier all relevant facts about the risk so as to keep the premium down. The agent thinks he doing the client and himself a favor by “saving money” for his client. What clients do not understand is when premium is paid for an insurance policy the contract is bound between the insured and the carrier. If a claim arises in the policy period that is not covered due to erroneous information on the application, the carrier has the right to deny coverage for the claimed loss. The client is then out-of-pocket attorney fees and replacement cost of the lost property. My calculations usually come back where the loss is much greater than what the correct premium should have been. The phrase, “you can pay me now or you can pay me later” seems true when it comes to misplaced insurance policies.

As an ethical insurance agent who likes to sleep uninterrupted at night, I hate “competing” against agents who do not understand the harm they are doing not only for their clients but for the industry as a whole. Once I explain to a prospective client why I need the information I am requesting, which his current agent has never asked for, it makes me appear, in the eyes of the prospective client, to be incompetent or unaware of what is needed by the prospect. The prospect feels I am throwing him a curve ball to confuse him by attempting to make the other agent look incompetent. He is right in that I am attempting to make the other agent look incompetent but not by confusing the prospect.

As you request quotes from your current insurance agent or a prospective new insurance agent, make sure he asks you a lot of questions regarding the insured risk. If you feel he does not ask enough or appropriate questions, feel free to volunteer any information you feel relevant to properly secure the insurance policy. Remember, once the carrier has accepted your risk and you agreed to pay the premium, you gave all control over to the carrier. If you have a claim, the carrier has the right to investigate, accept, deny and adjust coverage as they see fit. It’s your money, protect it.

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The Roles and Responsibilities of a Life Insurance Agent

Many people are still under the impression that the polices are still practiced the old ways and are uncertain about taking an insurance policy for the simple fact that they feel they will have to go through a lot of formalities for this. Now days the process of getting an insurance has changed and it is made a lot easy to get a policy. There are two ways by which you can get a insurance policy. One would be by getting it yourself via the insurance broker website and the other option would be to hire a good agent to finish the deal for you.

Now a days, there are many people who are choosing as a career option because the income is steady and good. When you have decided to choose life insurance as a career, you need to be aware of few key aspects. Life insurance agents also referred to as sales agents. There are many people who don’t like to be called insurance sales agents because of the word ‘sales’. Like any other sales person, the insurance agent is also a sales person for the company.

t the same time the agents are not merely sales persons unlike the sales persons they do not try to sale or push off the product the insurance agents also give good advice to their customers. So, it can be concluded that the insurance sales agents can be termed both as a sales person and a financial adviser. And because of this many feel that they will need to have a financial background to become an insurance agent. This is not a must but it is often preferred if the person is well-informed about the finances and the finance domain. An agent will have to gratify a wide range of customers.

The job of an insurance agent is not only to give financial advice or sell insurance to individuals, but an insurance agent often deal with not only individuals but families and corporate businesses too. There are two categories of insurance agents, the first category is the one who deals with captive insurances and the second category is the independent agent. When you wish to pursue your career as a agent then you can choose the category you will want to specialize in. Many people prefer the second category of the independent insurance agent.

There are many general policies that a agent can sell in addition to the policies and there are:

Casualty insurance
Health insurance
Disability insurance
Long-term care insurance

Life insurance agents may also be found selling other financial packages such as variable annuities, mutual funds and other securities. The opportunities for the are endless and sky is the limit. The earning potential varies from one agent to another agent. The more the agent sells, the more that life insurance agent will earn. An agent must be aware of the market conditions very well and he or she must be able to guide the customer properly.

If the customer has asked for the best term life insurance prices, a insurance agent must strive hard to give that customer what he or she wants. Respecting the sentiments of the customer is very important. Some customers may not be able to afford the whole insurance prices so they may ask for the term life insurance prices. The main goal of the agent is to sell the insurance policy that is right to the customer.

Selling the term life insurance policy to the customers is sometimes very easy because of the low term life insurance prices. However, when the customers ask about the investment part, most agent fumble and get nervous. Although the term life insurance prices are low, there is no cash value accumulated at the end of the term period.

In a situation like this a life insurance agent should be ready to offer a solution of other saving scheme. A life insurance agent should be thought all the selling techniques in how to handle customers who are apprehensive and not sure if they really want the policy, the agent should know how to convert this objection into deals. Captive agents are constrained by the rules and regulations of the company. These terms and conditions should first be conveyed to the customer.

To get the most competitive life insurance, check out Delnaz Thompson’s site. She specializes in the different cheap life insurance. Visit her site for more information.

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Insurance Agents – How Does Yours Measure Up?

Insurance agents can be some of the most important people you’ll ever do business with. They will help you protect your property, your assets and your finances. The work of an insurance agent has the potential to save you from financial ruin.

You could go through your whole lifetime and not need the services of an attorney. You could live and die and not have to use an accountant. But you can’t live in “the real world” without insurance agents.

But remember…it’s YOUR responsibility to learn which coverages are right for you.

Have you ever heard a story from a friend or relative who filed an insurance claim, only to find out that the coverage their agent promised was not there? I hear those stories ALL THE TIME, and at the WORST POSSIBLE TIME…AT CLAIMS TIME!

I began my insurance career as an agent in 1973. I kept my agent licenses active until 1992 when I became an insurance adjuster. During that period of time, I sold nearly every kind of insurance imaginable. That gave me a depth of experience in insurance sales. But all of that experience did not make me an expert in insurance. I learned risk analysis and sales techniques. But I don’t think that I ever had one minutes’ training in how to handle a claim. When my clients had a claim, I gave them the company’s phone number and told them to call it in. We occasionally filled out an Acord form, which is a standard industry form for filing a claim. That was all we did.

The best agent is a person who has spend time studying insurance, not a person who is an expert in sales. The largest percentage of insurance agents of all types are sales people, not insurance experts. Your agent may or may not be an expert in insurance. You’ll have to simply ask your agent what his education level is.

There are a lot of colleges and universities that offer degrees in insurance today. In our area, the University of Georgia offers degrees in Risk Management and Insurance. It’s a pretty well-respected program.

Agents can also become experts in insurance by going through continuing education, such as the Certified Property Casualty Underwriter (CPCU) education program. Life insurance agents can achieve the Certified Life Underwriter (CLU) professional designation. There are other designations available to agents, but those two are the most widely accepted educational programs.

Agents in most states also have to complete a state-required number of Continuing Education hours each year in order to maintain their insurance licenses. If they don’t complete the hours, the state cancels their licenses.

An agent has a duty to you, called the “fiduciary duty.” That means that he must keep your financial well-being first in his priorities. If an agent sells you an insurance policy because it has a higher commission than another policy, he has breached his fiduciary duty to you.

Agents usually carry a type of liability insurance called “Errors and Omissions” liability insurance. Errors and omssions (E&O) is the insurance that covers the agent’s company, or the agent individually, in the event that a client holds the agent responsible for a service he provided, or failed to provide, that did not have the expected or promised results. This protects agents and their clerical staff from liability due to negligent acts, errors and omissions while conducting their business. It will protect the agent from problems like the following examples:

1. loss of client data. The agent simply loses your file, physically or electronically.

2. system or software failure. Computer at the agent’s office crashes and all data is lost.

3. negligent oversell. The agent sells you coverage you don’t need, or sells you coverage limits higher than necessary.

4. claims of non-performance. This is a broad category but needs to be. This could include charges that an agent did not sell the proper policy, or the proper amount of coverage.

The number 4 example above is the most prevalent and most dangerous for agents. Here’s why.

People today have multiple insurance exposures, like:

auto physical damage

auto liability

uninsured or underinsured motorists exposures

homeowner physical damage

homeowner liability

excess liability

businessowner physical damage

businessowner liability

home-based businesses

life insurance needs

health insurance needs

disability insurance needs

Any one of the exposures listed above can effect any of the others. They are intricately woven together in each of our lives.

Any agent doing business in the modern world should do an insurance analysis of any prospect’s present insurance and his future insurance requirements. To fail to do so is an invitation for a lawsuit.

What does this mean to you?

First: If your agent makes promises to you about coverage, and your claim gets denied, you can make a claim against the agent’s Errors and Omissions Liability policy. You may have to get an attorney involved, but that only increases the chance that your denied claim will get paid.

Next: In my never-to-be-humble opinion, ALL agents selling ANY kind of insurance should perform a Insurance Needs Analysis for the prospect PRIOR to selling the policy. In addition, I believe that an agent should carefully explain the findings of the Insurance Needs Analysis to the prospect PRIOR to selling the policy. Once the explanation is complete, the agent should require the prospect to sign off on the policies that are sold, and sign off on the policies and coverages that are not sold. “Signing off” simply means that the prospect states that the agent has explained all coverages, and he either accepts or rejects any given coverage.

Both parties..the agent and the policyholder…benefit in this transaction. The policyholder has a complete explanation of the policy he’s buying and its relationship to all his other insurance. The agent sells the right coverage, and significantly lowers the risk of a lawsuit or claim against his E&O coverage for selling the wrong coverage.

Here’s what an insurance analysis procedure should look like.

1. Personal Information Collection: get as much information about the insured and his family members as possible.

2. Get Copies of Existing Policies: the agent should actually read the existing policies.

3. Analyze Insurance Needs: determine the correct coverages needed and the correct policy limits.

4. Recommendations: what should be purchased and prices.

5. Application and Sign-off Analysis: fill out the application and have the insured sign off on the analysis form.

6. Deliver the Policy: An agent should deliver the policy in person and explain it again, not just send you a copy in the mail.

Even after all of the training and education that any insurance agent acquires, the agent is still not an expert in how to handle an insurance claim. I’ve had lots of people tell me that they were going to get their agent to help them with their claim. Later, they figured out that the agent didn’t know much more about the claims process than they did. As I wrote earlier, agents can become experts, but their expertise is customarily in the sales and needs analysis areas of insurance…not claims. For most agents, learning the claims process would be a waste of their time, since most agents are not licensed to handle claims.

Sure…some agents will be given a small claims settlement authority by the company they work for. Some agents will be able to settle claims up to about $5,000.00, and then only in the property side of the claim…such as a small water loss or a theft. But, for the most part, the insurance company concentrates claims handling with the claims employees and independent claims adjusters.

The most important strategies you should take from this article are:

1. Interview EVERY insurance agent to find out their level of expertise. Only do business with the most qualified, educated and experienced agents. Let the inexperienced agents practice on people who don’t care about protecting themselves the right ways.

2. Don’t always chase after the lowest premium. You get what you pay for. You’d be better served to pay a higher premium if a highly qualified agent takes care of you. You don’t drive the cheapest car you can find, do you?

3. Never be hesitant to call the Department of Insurance of your state if you have problems with your agent. Agents are regulated for a reason.

If you’ve had bad experiences with insurance agents, how about telling us about it?

Now, I’d like to offer you two special reports at no cost. One is “5 Things To Do When Shopping For Car Insurance,” and the other is “5 Things To Avoid When Shopping For Car Insurance.” Each one is a $9.95 value, but free to you when you sign up for my newsletter at the website address below.

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Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing “insurance agent for many products”, try this, “medical insurance professional and disability insurance specialist.” Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an “insurance agent” search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

Well published author, Don Yerke likes to concentrate on what you don’t know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing and recruiting information.

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