Low Rate Health Insurance Quotes – Find and Compare Cheap Insurance Rates Online

First, ask your friends around you about the insurance policies, which they are using, but the most important thing to keep in mind is that your friend’s need may be different from the one, which is used by you.

The other thing is that you should not opt for a particular plan just because your friend has recommended to you. Instead, you have to go through the plan carefully and see that the plan provides you with different type of services that you are looking for. After all the research, one could choose a plan and can proceed with the plan.

The advantage for looking out for cheap rates online is the competition that is present among the insurance company’s, and each insurance company is alert of it. If you are looking to have cheap insurance then you have to compare the rates with different companies.

The most important thing to look out for is the zip codes, which are even ten miles from each one can actually have a huge difference in the periodical premium charges that is to be paid. This is also based on cost of livelihood and other factors as well.

If you are making a health insurance online, then you have to fill up the form online, where you have to answer some questions and it is a very fast process. There would be some general questions asked such as the age, the degree of risks, and the terms of premium and there benefits that is offered on the plan.

You can opt for a particular plan, which offers the services and the features, and if you think that, it will help your needs then you can opt for it. Some of them are comfortable with catastrophic insurances that would guard you from costly hospital and medical bills, but cannot have the coverage of doctor’s visits until a huge deductible is met.

Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.

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12 Keys to Insurance Marketing Success

After working over 25 years with health, annuity, and life insurance marketers and recruiters, I am still amazed. Too many teeter around like inexperienced rookie insurance producers. They skip every opportunity that provides modern techniques, eliminates time wasting, and requires investing money in their success. MOST FAIL, thousands of others earn less money than a good experienced, and knowledgeable insurance agent makes.

The goal of this article is to make successful insurance marketing professionals more successful. For those not yet at that level, heading upward is rarely achieved without the guidance few others can provide. Because I like to tell it like it is, heed this warning. You should be currently mastering at least 9 of the key factors below. Otherwise your chances at recruiting or marketing success is slim to none.

THE 12 KEYS for Insurance Independent Marketing Organizations, National Wholesalers, State Managers, General Agents, Insurance Company Recruiters, Brokerage Directors, Independent Broker-Dealers, Insurance Company Regionals, Territorial Product Managers, MGA’s, and similar individuals or companies.

1. Understanding Your Competition Are they marketing the same product or how different is it from the one you are offering? Is their emphasis on higher commissions, better product benefits, or exceptional service. You should also know how many competitors in your territory exist, how they prospect for agents, how many producers are contracted, and copies of their brochures and contracts.

2. Why Insurance Marketers Fail As you might already know, in the first eighteen months of their career, 85% of life and health insurance agents fail to survive. Reasons broadly range from lack of management, ineffective prospecting, and poor planning to the unwilliness to spend money to make money.

3. Total Insurance Base Few marketers take the time to find out how many life and health insurance agents exist in their territory. How many of these agents are brand new. In contrast, what is the total that survived the critical first four years? The marketer or recruiter may be biting off more than they can handle. On the other hand, there has to be enough agents ready to bite.

4. Agents: Who to and Not Concentrate On This is what separates the young and old boys from the pros. Right now, thousands of agent recruiters are not concentrating their time on target marketing. Face the Facts! Not every life and health insurance agent wants your product. Nor are they healthy for your producer force. There are 4 basic groups of life and health agents, and your target lies within 45% of the total licensed representatives.

5. Importance of your Prospective Agent List A top priority item. Do you even have a targeted prospective agent list for your territory? If you do, you are in the smart minority. Even smarter, if your list closely matches agents currently selling a similar product to what you are offering. An experienced agent list compiler might be able to help you. Other sources, such as list brokers, directories, and even insurance departments rarely can.

6. How Types of Prospecting Differ Here is an area where recruiters and marketers stray far off. The choices include emailing, telemarketing, personal calling, trade magazine advertising, direct mail letters or postcards, attending association meetings, and others. There are not only wide differences in costs and personal time consumed, but in legal requirements. For example, a wrong phone call could cost you an $11,200 fine.

7. Best States to Recruit In This is critical knowledge for those whose territory is national or covers a grouping of states. Insurance marketers hit some states in your territory 7 times as hard as other states. Likewise, some agents in your marketing region receive 10 times the solicitation of others. Learn why sometimes it is better to stay out of big metropolitan areas. Test your territory to explore results, or talk to an experienced insurance recruiting advisor.

8. Increasing Income Techniques It is a fact that you are going to have to invest money, and consistently have a plan of continuous insurance marketing and recruiting. So many recruiters do not know what ROI stands for, or how to figure it out. A good ROI-Return on Investment (over 3 years) for recruiting agents could range from 5 to 1, or much higher. Experienced insurance marketers will respond that a producing agent/broker is worth at least $3,500 to them. That amount is more than at least 30% of self-considered marketers invest on recruiting in a year!

9. Prospecting Techniques to Reach Willing Agents To be successful in developing an agent to write your insurance products three things must be present beforehand. All three are almost of equal importance. First, your message must go to the right qualified agent. Second, your product must excite a need in the agent to want to sell it. Third, you must reach this right agent, with the right product, at the right time.

10. Tricks and Tips Increasing Response Very few worthwhile tips will be extracted from your competitors. Some you may luckily stumble upon. Marketing masters close guard the secrets to their success. One of the big tips is to make your marketing sparkle with tricks and tips not practiced by your competitors. Just implementing one good trick can increase your response rate by an additional 40% increase. P.S. Some insurance marketing writers, like me, will share them in insurance articles.

11. Wording and Designing Your Insurance Message Over 80% of insurance messages made visible to agents by ALL prospecting techniques will never be fully read. Most messages through out bait like vacations, cruises, bonuses, and tripling income within 12 months. Sadly, few realize the simple fact, “what is your product going to do to benefit me”.

12. Agent Recruiting Seminars This is one of the greatest ways to recruit numerous agents to produce business for you with one informative face-to-face meeting. To pull it off, you need to know how many qualified agents are in driving range. Next, you need to develop a formula of the correct prospecting techniques, tricks, and treats to get the maximum traffic to virtually guarantee success.

Remember that insurance marketing success is an upward journey. It is not a destination point where golden eggs are then constantly produced.

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No, You Can’t Become an Insurance Marketer

There should be a blazing sign that flashes in an agent’s car whenever thinking about becoming an insurance marketer. Selling insurance and marketing insurance are two different insurance career fields and should never be mistaken as one and the same. Some of the best insurance sellers miserably fail to even last one year as an insurance marketer. Likewise, many insurance marketers that could be considered successful have very little experience selling insurance. Although it must be said that selling, insurance is a good background prerequisite, as there are parallel traits that must be mastered.

Why do so many insurance sellers want to become an insurance marketer? Blame this on two things. First is the inner desire to be independent and run your own operation. However, many independent insurance brokers achieve building their own agency with outstanding performance. The second is the contract the insurance company or marketing firm has signed you to. The contract you signed has a provision for you to find associates or former insurance acquaintances, contract them, and receive money in the form of an override, every time they write business. Sounds like easy money right? Wrong.

During the next twelve months, at least 70,000 brokers will receive a multi-level contract. The multi-level contract puts your commission at the high level. At a lower level is the commission an agent would receive that you sign up. You would get the difference between the two figures. If you were commissioned at 90%, with the signed agent at 70% you would receive a 20% override amount. So if the agent so signed up, collects an annual premium of $1,000, then he would receive $700.00 and $200.00 would be credited to you. Many insurance companies endorse and promote this concept. After all, many advertising costs are spared if producers practice this option.

Project your efforts as being more aggressive. You find not one, but 9 agents willing to sign this lower payout brokerage contract. Dollar signs race through your head. You are not discouraged by the true insurance marketers, with higher contracts, who will benefit from every one of your actions. Wow, this could be big bucks, as 9 agents at 20% could mean 180% in overrides. You dream of each of them writing just $5,000 in premium of this great product. That means $9,000 in your pocket without hardly lifting a finger. Strangely, thousands of other producers share your dream.

You finally wake up in six feet of muck inside a pit with similar wannabee insurance marketers. Crawling out, you start to realize the dirty deeds that have been pulled on you. The marketing director, shovel in hand, did not mind saving about $4,500 in recruiting costs, when you personally recruited those agents. Your contract gives the marketing director the option at any time to cancel your contract. It also states that until you receive write a set amount of production, the contract will not be fully vested. Your marketing director emails you that your contract is being terminated. He will now be receiving all future overrides and renewals under his company contract.

Another killer. Suddenly your insurance marketing organization switches to say a new term life insurance company carrier. Of course, your contract turns to ashes. The new contract has one nice level, and is not multi-level. You and the nine other agents you recruited are suddenly being offered the same contact. No override provision is available for you. Never think for a moment that this is a trick exclusive to insurance marketing firms. Insurance companies were the inventors of the idea, for good reason. If they suddenly either drop the product you are selling, or replace it with one you fell is not suitable you will stop writing. The insurance company benefits by collecting premiums and renewals of your clients without you. Your payout is often totally ended with the marketing firm sometimes retaining some gain.

You were not a stupid person. Thousands of others slid into the muck of the real insurance world. What about if you had committed to yourself into becoming a full time insurance marketer. There are too many bullets loaded in the gun pointed at you. 70% of today’s marketers will not be recruiting agents 3 years from now. Mainly gullible people thinking they are looking at the opportunity of a lifetime will replace the 10,000 to 11,000 that leave the ranks. To even hit the success ranks, you often need 50 to 80 brokers actively writing business for you.

As a professional seller of insurance products, you have spent years refining selling skills, and building your presentation performance. Would you like to start over as a rookie? Well starting as a marketer is usually as a rookie. Even a step up to the head office in a marketing position, puts you under great pressure to perform or slide into the mud. Unless you so badly crave emotional, mental, and financial challenge, you cannot market insurance.

Analysis shows the earnings of many top health, annuity, and life sellers exceeding that of insurance marketing recruiters. In fact, the number of $100,000 or higher income earners tilts the scales heavily in favor of experienced insurance sellers.

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 this spring. It is loaded with great insurance marketing and recruiting information.

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Insurance Marketing Agencies – Insurance State Data Information Guide to Sell Insurance

Like insurance marketing agencies, each state also has its own personality. Analyzing insurance state data information, reveals where it is easier to sell insurance. This information is a guide to where insurance marketing agencies get best results for obtaining general insurance brokers and why.

Some states have loads of agents and brokers that are very friendly and open to new insurance opportunities. Other states seem locked in a time zone 5 years behind independent thinking states. Many factors, including state date information and census bureau analysis show how hard it is to get the attention of brokers, independent agents, and general agents to respond to your mailing offer. Insurance marketing agencies must concentrate recruiting and mailing to certain states that will definitely pay off. Using this guide is a great way to maximize your marketing budget and ultimate advanced marketing production results.

On the top 3 states it is: Florida, #1, California #2, and Texas #3. The #4 through #10 top insurance product marketing states are covered below.

OHIO, Rating #4

Finally, the first state that is not on the border or coast. The same land-locked trend is true of these next states on this page. Ohio we call “the profit potential state”. Our feedback from agent recruiting firms, using our lists is overwhelmingly favorable for over 20 years straight! The recruiting secret why results can be obtained almost immediately: Ohio has four distinct agent population districts instead of just one or two. This geographic factor makes it hard for a particular insurer to monopolize the entire state. The four metropolitan areas are Cleveland, Columbus, Cincinnati, and Dayton. Where do you set up your recruiting operation? Wherever it is, is also the likely location of most of your recruiting effort.

Factories with unions providing employee benefit plans are rather prevalent. Nonetheless, Ohio it is still a strong state for group and work site benefit plans. The Ohio agents that are with a major career life insurance company, are much less loyal than in most states. That means to you, the recruiter, they broker business to recruiting firms properly baiting their hooks. It also means a huge need for attractive brokerage products, expanding well beyond life insurance.

GEORGIA, Rating #5

Like most southern states, debit agents used to have an enormous impact on the insurance agents. These agents sold very small life insurance policies, and have established routes, where weekly or monthly they pick up the premiums directly from their clients. These agents were employees of the company, which means that when they left, so did their renewals which were not vested. The old route was simply passed on to another rookie agent to handle. Needless to say, low-income potential, high training costs, and modern banking policies have pretty much decreased debit life insurance company presence to a minimal factor nowadays. Georgia is split in two zones, 55% of the licensed agents in the Atlanta Area, Zips 300-303, and 45% for the remainder of the state. Our Georgia advice: Stay OUT of Atlanta. These Atlanta agents are bombarded with almost daily insurance solicitations for insurance products by fax, email, telemarketing, and direct mailing. The quality selected, outside Atlanta, area agents seem excited to receive a direct mail piece offering a genuine opportunity. Make your move to reward yourself with a sweet piece of the Georgia pie

WISCONSIN, Rating #6

There is no doubt that Wisconsin is a dominant Fraternal Life Insurance Company state. Their fraternal agents offer “certificates” instead of polices to “members” instead of clients. The Fraternal Organization holds benefit events for hard stricken members, and may be formed around a common work trade, religion, or life concept. The menu of products offered by Fraternal insurance companies is rather small. This gives the secret to Wisconsin recruiting: Fraternal insurance agents are exceptionally brokerage minded. The average number of outside companies a Wisconsin “broker” is licensed with, far exceeds the national agent average. As the state of Wisconsin is somewhat overlooked, its has over 10,000 agents that have already contracted with at least one outside carrier. Your carrier should be the next one they consider.

MINNESOTA, Rating #7

The state of Minnesota possesses many of the valuable marketing characteristics that Wisconsin has. In the land of ice and snow and lakes, it also has many fraternal life insurance agents. Consider this fact. Many large insurance brokerage orientated insurance companies have regional recruiting directors. In the Midwest, this central hub is Chicago, Illinois. This means 70% of their recruiting time and budget is conveniently located in that recruiting hub, even though the region includes other states like Wisconsin, Ohio, Michigan, Minnesota, or more. Our recruiting tip – Keep your recruiting dollars outside of a recruiting ‘hub’. Also giving less attention to Minneapolis/St Paul will produce more solid leads. The competition pressure is low, so your results could boil over the top.


North Carolina agents may carry a heavy accent, but they also carry a heavy brokerage swing that can easily hit you a couple homeruns. Usually the internet interest in brokers seeking marketers is closely aligned with the number of recruiters in this insurance marketing territory seeking brokers. In North Carolina, this scale is tipped drastically in a different direction. Good North Carolina brokers are looking for insurance marketing firms! We have noticed that North Carolina gets one-third the recruiting solicitation that Georgia does, and one-half that of Tennessee. Part of this credit goes to cities like Greensboro, Charlotte, and Raleigh, that all have good agent bases. This is unlike Atlanta or Nashville with sole agent population center domination. By recruiting top-notch North Carolina agents, you have so much to gain, plus one giant bonus point. The brokers in North Carolina are more loyal to a marketing firm that treats them right than anywhere else we have seen.

MICHIGAN, Rating #9

In Michigan lets look at the negatives first. The large presence of automobile and automotive supplier unions, among others has virtually wiped out the group insurance market. Some individual major medical potential exists but with Blue Cross being so dominant, and offering such paltry commissions, it hardly makes the market worth pursuing. Another drawback is that the metro Detroit area contains over half the agents and over half the population. The plus factors include the well-off union retirees who have moved outstate, the non-presence of insurance marketing hubs. This is further enhanced by the poor job career life companies have done helping agents overcome early career obstacles. Our tip is look for agents with at least 6 years experience. The metropolitan Detroit area is very good for advanced life and annuities directed at the professional market. However, observe the constant sways and effects of the economy in this metropolitan area. The out state area is prime for long term nursing care. Don’t zoom by the motor city state.

MISSOURI, Rating #10

Close to a tie with Michigan is Missouri, but still making the top ten round out. However, the state is very different, with very few unions and a median family income $3,000 below the national average. In this state, the good parts of Midwest agent personality; start to blend with some Southern Hospitality. It is surely a good show me state, where an abundance of independent and semi-independent agents know that show me a good product offer and I might be interested is a winning combination. The sufficient senior citizen base in the state would have to be rated good for long term nursing care, whereas the lower income could be a slight drawback to over sophisticated annuities. KISS – A Keep it Simple State.

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Success Story – National Mortgage Protection Insurance Marketing Firm

My records indicate that 70% of insurance marketing, brokerage, and recruiting firms fail within 3 years. The reason is often the inability to implement insurance broker strategy techniques. Here is a review of a national mortgage protection insurance marketing firm, which is successful. Some of the info presented may either give you motivation and inspiration, or provide some insightful tips.

The mortgage insurance marketing firm is named, “The Mortgage Protection Doctor & Associates,” to which I have no affiliation. I thank Jeff Futrell, the president, for allowing me to share some of the reasons for his success dating back to 1995. The two main insurance products sold by the firm are mortgage protection life insurance and white and blue collar disability insurance to protect the client’s investment in their home. Each of the products account for 50% of the business produced.

Even firm needs uniqueness to attract brokers and get premiums written. Jeff says that competition in the mortgage life insurance business is extremely competitive. As a result, he has developed a three-part strategy to separate him from the competition and to ensure his brokers have excellent earning capabilities.

Insurance Broker Strategy One By representing over 40 insurance carriers, the brokers are free to chose which insurance companies provide the right benefits. In many of his competitors’ alliances, they write almost all their mortgage life insurance with one to four carriers. Here the agents have complete independence to select whom to write insurance with, and they do. One of Jeff’s mottos is, “Promoting clients needs and policy benefits over commissions.”

Insurance Broker Strategy Two Here comes in the strategy of multiple insurance policies selling. So many mortgage protection marketers focus on the mortgage life insurance sales. Jeff does this, but has his brokers at the same time implement mortgage disability insurance sales. His brokers have a very respectable closing ratio of 60%. When you consider this is a double sale, mortgage life insurance plus mortgage disability insurance, this takes on a different light. This closing ratio would actually be better than a mortgage life insurance expert would with a 100% closing ratio, as Jeff’s brokers are making two sales.

Insurance Broker Strategy Three Something overlooked by almost insurance marketers, is contracting brokers and then helping them find clients. This is why in many insurance marketing and brokerage firms, 50% of the brokers recruited have not written a single case in the last 12 months. The Mortgage Protection Doctor has developed a highly effective lead acquisition method in house. Brokers participating in the program have lead sent out by direct mail to pre-qualified mortgage insurance prospects. The broker then directly receives the exclusive fresh leads back to enable promptly setting up a sale. This is a jumbo advantage over using a third party to provide what may be unpredictable and untimely broker leads.

Marketing Strategy Besides the three broker strategy methods above, Jeff takes his recruiting of agents very seriously. He starts by acquiring from an insurance name list compiler, broker names for a key marketing territory. His goal is to use an ongoing, consistent mailing campaign to recruit only brokers that meet his specifications. The mail method is sending oversized postcards with a special reply incentive out to these brokers. Secondly, he has tried advertising in Craigslist with mixed results.

Secret to Success As you quickly notice, everyone successful in insurance marketing and brokerage has his or her own reasons and secret methods. In this case, it is a proven lead system for brokers, a consistent recruiting pattern, and a relationship with strong insurance carriers. Above this rides the strong commitment to independence, both for the brokers and the firm. This is demonstrated by the fact that the top five carriers selected receive 75% of the business produced. What is highly irregular is that these top five insurers share this 75% evenly. That is truly proof of independence.

Additional Comment When the average insurance marketer is questioned what a producing broker is worth to them over a three-year period, the answer averages $3,600. With Jeff’s operation the figure is $30,000. You have to spend money to make money. In addition you should operate a little bit unique from other so called competitors. Very important is that your brokers require close communication and every opportunity to write your products. This is an inspirational success story that engages all three key elements.

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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Insurance Market Analysis – States Ranked 21 Thru 31 For Insurance Product Marketing

In this insurance market analysis are 10 states ranked as not earth shattering for recruiting agents. However, these states should be repeat winners every time you use a top-notch insurance mail list to contact the key insurance product marketing brokers. Merging insurance marketing skills, with a quality mailing list, puts these states within the budget of many regional and national brokerage firms, along with the big wholesalers fmo’s, and insurance companies. Read each different insurance marketing analysis.

In these 10 states, trim the unnecessary fat away and you have an excellent brokerage mailing list. This means no mass mailing, email blasting, or faxing. Mass marketing to insurance agents is not only very foolish, but also in the end costly. How many agents respond at the lowest cost is very insignificant in an insurance recruiting campaign. What is important is the quality of the agent that responds and in turn if this agent actually becomes a proven producer. Do not measure by “leaders” but by production from contracted insurance brokers.

NEW MEXICO, Rating = 21 In the last 5 years this state has really turned directions for recruiting. Before this, the state had far too many insurance agents, with minor experience. The turnover rate was ridiculous. Everyone had a rookie cousin in the business, and another licensed cousin who was rapidly falling by the wayside. This has changed. The big Northeast/New England career recruiting shops wised up finally, and closed down shop. As a result, there are more semi-independent minded agents climbing up the success ladder. The number willing to give brokerage products a good look is rising. As additional competing recruiters are catching on to our advice, get your piece of the action before it gets too over hit. The downside is the highly migrant average household income in this state is $20,000 lower than that of many states where the big life career companies are headquartered. All factors considered the future is now two thumbs up.

WEST VIRGINIA, Rating = 22 By the little recruiting attention this state receives, you would think it is hidden on the map. West Virginia averages only 1/4 to 1/3 the population of the states of Virginia, Maryland, Massachusetts, and New Jersey, and the agent receives at least 90% less calls, emails, or mailings. The problem to annuity recruiters is that West Virginia ranks dead last of all states when the median household income is examined. The decent senior population makes it a respectable area for selling long-term care and senior life products.

NORTH DAKOTA, Rating = 23 North Dakota, for being such a cold state, has one of the highest percentage of senior age citizens in the entire nation. This small agent population state, makes finding senior market agents a great find. Combine that with the warm reception of many fraternal life insurance agents. Here is the opening for marketing to agents you health insurance plans. However, when looking for annuity sales reps, the median family income needs to be acknowledged. In this, sales area, because of sub-par overall income status, North Dakota would rate lower for annuity marketing organizations and wholesalers.

SOUTH CAROLINA, Rating = 24 Agent reception in South Carolina, sure lags behind its sister state North Carolina. Two factors lower this state’s recruiting rank. First, it is a state of a lower family income level. Second, it is also a state with higher agent turnover. If you target the right agents with the right products at the right time, you will find the South Carolina is smack dab in the middle. Part of this is the fact that South Carolina is not given enough recruiting attention.

MAINE, Rating = 25 “Little” is the word keeping this state from being ranked much higher. There is an insufficient number of agents to give a seminar, and almost too little to mail. Maine agents, unlike those in most northeastern states, are receptive to both local, regional marketing firms, along with far away national marketers and insurance companies. Like North Dakota, the overall income status is low, but the number of seniors willing to brave the winter chill is high. A state way overlooked. Especially it is true when recruiting firms are looking for agents to sell ltc, life, and annuities to the senior and near senior ma

LOUISIANA, Rating = 26 The hurricane disaster sent this state hastily rolling 6 spots downward on our recommendation list. Since then, it has climbed back up two positions. Many agents have made a transition to drier states with a better economy. It was already one of the poorer states, and right now, many low-income people stayed. In New Orleans, many with money or job transfer opportunities moved out. The surviving agents, with over 5 years experience, still have a stable client base, or work parts of the state not affected by the disaster. The good news is that your competition has pretty much given up on the state. Some adaptive, insurance brokerage operations tell us that their current Louisiana mailings are getting the best results ever. The main reason being is that the less knowledgeable recruiting competition has retreated.

PENNSYLVANIA, Rating = 27 We feel the state of Pennsylvania keeps the worst insurance records of licensed agents. Are there really 100,000 or so just life and health agents alone? Absolutely Not. Moreover, how about the addresses of the agents? Using addresses the insurance department provides would produce far in excess of 30% of your mail being undeliverable. This might sound shocking. However, numerous other state insurance department agent address records hover between 20 and 35% not deliverable. Do not trust anybody that says they have a large accurate list of Pennsylvania agents. Hint: In Pennsylvania, obtain either a small-refined list or none at all. Definitely, this is not the state to engage in mass mail, mass email, or use telephone telemarketing. Overall, the agents that can be determined to being brokers (placing business with an outside company) are premier producers. Only the best will do, especially for target marketing to agents with a knack for annuity and financial related products.

MONTANA, Rating = 28 The agent base in Montana is small, but the geographic area they must cover is immense. The amount of small independent multi-line, life-health-auto=home agents is beyond normal proportions. This however is a plus factor. The majority of these small operations are independent, representing multiple carriers. They place their life and health products with different carrier insurers that receive their car, home, and business insurance premiums.

IOWA, Rating = 29 Iowa is the home to many life and health insurance companies, and most insurers like to have a heavy presence in their home states. Therefore, while the insurance company direct recruiting pressure is high, the pressure placed by brokerage and marketing firms is average. It is a hard city for recruiting wanting to give a seminar. Only Des Moines has enough quality agents to invite. This means areas like Cedar Rapids, Davenport, and Sioux City are commonly overlooked. The demand for agent recruiting is overall is slightly below what it should be.

IDAHO, Rating = 30 There are a lot of potato farmers spread out over a vast lot of land for the professional agents to follow up on. Unfortunately, the number of independent agents and agencies in this state falls below what it should be. Although there are quite a few agents that will occasionally place insurance, life or health cases outside their main company. So many should be called semi captive and semi-receptive, instead of independently receptive. The amount of business each broker produces is limited, making it harder on the insurance marketing firm to get a good return on investment.

ILLINOIS, Rating = 31 Illinois is a very large population state, with a 60/40 split. This means 60% of the agents are crammed in the metropolitan Chicago area alone. The Chicago are shares many of the New England State characteristics. The similar features are the higher than normal agent turnover rate, the large presence of big career life training companies, and the 9th highest median family income in the United States. The other 40% of the state follows its Midwestern state counterparts. It has more independent brokers, less recruiting competition, and producers receptive to annuity, life, and health offers. Stay out of Chicago, and you find a good middle range state for marketing your products to agents.

Right here, in case you are printing out the ranks, are the top 20 states in order. They are Florida, California, Texas, Ohio, Georgia, Wisconsin, Minnesota, North Carolina, Michigan, Missouri, Tennessee, Oregon, Alabama, Kentucky, Arkansas, Mississippi, Oklahoma, Nebraska, and Utah holding the 20th position.

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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