The Importance of being Insured

The world can be a very scary place. Every day, people are faced with innumerable challenges, and sometimes they face events that are not only unavoidable, but can have tragic results. When accidents or natural disasters occur in your life, you need something in place you can trust to be in your corner and help you salvage and rebuild your life. You need a safety net that allows you to run not only your life but your day to day operations without having to worry about what will happen to you if something disastrous occurs. You need insurance policies.

There are many different types of insurance policies out there. They can cover anything from house fires to tornadoes tearing through your warehouse. Everyone should have multiple policies in place to take care of their personal needs should something happen to themselves or the things they own. Homeowners insurance takes care of the house, automobile insurance takes care of the car, and life insurance policies take care of your loved ones. Having these policies in place is smart and helps in protecting the ones you love. These personal policies are all well and good, but one must consider the consequences of not protecting their business with general business liability insurance policies.

If something were to occur within your company or business and lawsuits and liability issues result, what are you going to do if you’re not covered? Having a general liability insurance policy is a smart way to make sure that you will have the legal and financial help you need should your company suffer a tragic or costly event in the workplace. If your commercial business insurance policy is not in place when an accident or natural disaster occurs you are opening yourself up, personally, to some very expensive consequences. These consequences could overflow from your business into your personal finances and cause any number of setbacks that you may not recover from.

Insurance is designed to allow you to run your business with the knowledge that if a bad situation occurs; the consequences will be taken care of. Insurance makes it possible to rebuild, to restructure, and to retain what is yours. You don’t want to spend your life building a legacy for your family only to find that at the first sign of disaster all of your hard work goes right down the drain. You have to protect your investments and that means making sure all of your assets are covered. So when your laying out your business plan, make sure you get yourself covered, and get a commercial business or general liability insurance policy. Don’t lay the foundation for your life’s work without a safety net place.

Guide to Buying Life Insurance Leads Online

Gone are the days when insurance agents were forced to spend long hours tracking down prospects the hard way, with hours spent making connections, building relationships and meeting with people one-on-one. Today, many agents grow their business by purchasing high-quality leads from a company that specializes in insurance and business to business lead generation. These companies generate leads online from qualified prospects interested in buying insurance, and the agent buys the leads, typically at a flat price per lead.

With life insurance leads, the cost will typically be determined by the quality of the lead itself. Common lead types include substandard, final expense, standard and premium life insurance leads, with substandard leads being the cheapest.

Premium life insurance prospects are typically between the ages of 45 and 70 with no major health conditions, such as drug or alcohol abuse, hepatitis, HIV/AIDS, vascular disease, cancer, heart disease, mental health problems or emphysema. Standard life leads are those aged 25 through 44 with no major health conditions. Final expense life leads are between the age of 50 and 80 with a maximum $25,000 policy, while substandard leads fall outside of these groups and may have pre-existing conditions.

When you buy life leads or health insurance leads, for that matter, you will usually receive a full profile of the prospect, including contact information, current insurance and provider, when their current policy expires, coverage options and their health conditions. Many companies that sell business leads also allow you to filter leads to receive only the leads that make sense for your business. This includes geographic filters, lifestyle filters and demographic filters to help you maximize your investment.

As with anything though, quality is important. When comparing the cost per lead, remember to consider the potential return. Many agents start out with a batch of 50 to 100 leads to help them determine their return on investment (ROI), but it's also important to keep in mind most agents take some time to get their process down, so the success rate should climb after a bit of experience.

It's also essential to work only with companies that sell high-quality, fresh insurance and business leads. Unfortunately, there are poor quality companies who will simply resell old leads dozens or even hundreds of times. While their pricing is very low, you're getting a poor value because these leads will not lead to conversions, and you'll be wasting your time tracking down prospects who may have changed their contact information and are most likely not interested in insurance any longer.

Buying insurance leads truly is the way of the future, allowing any agent to maximize their budget and gain access to qualified leads with little time and money. If you're still doing things the old-fashioned way, consider going a test run and buying a batch or two of high-quality life insurance leads to see why millions of agents turn to this strategy to grow their business.