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.

The Best Insurance Leads are Fresh Leads

Regardless of how you acquire and cultivate leads, there's one thing that's certain: the warmer the leads, the faster you sell. This is especially true when you buy life or health insurance leads, as these prospects will most likely be contacted by numerous agents in a short amount of time.

Unfortunately, in the rush to sell to business leads, many agents simply overlook the quality of the leads they themselves are buying. This is a huge mistake that may cost them their entire business. While there are definitely many types of leads you can buy, you want to get the best, regardless of the niche you operate in. In general, the best leads are the freshest. Keep in mind there are plenty of unreliable lead generation companies out there willing to sell you stale, month-old (or in some cases year old!) leads that turn out to be a dud after you waste your time and money chasing them down.

This is a common practice among the poor quality companies that sell life insurance leads. Many will sell leads that go on and on, circulating amongst dozens or hundreds of agents for years! Fresh leads that have been captured within the last day or even hour of someone requesting information is important, because these people are still in the market to buy. They haven't moved on, and they are waiting to hear from agents who can give them more information and quotes. The fresher the business leads you buy, the greater your chances of selling a policy.

You've probably been in the business long enough to understand that getting a potential customer on the phone quickly, discussing their needs, answering questions and providing great service puts you a lot closer to a fast sale than calling someone who has just spent the last week receiving and dodging calls from nearly every agent in town. When you're working to make a profit, the last thing you want is wasting your valuable time on unproductive calls with leads who don't want to hear what you have to say.

That's where fresh health or life insurance leads come in. You get to leads no one else has spoken to yet, which greatly increases your chances of making a sale. Remember, this is not like cold calling either; insurance leads from a reputable company are people who have requested information from agents. Fresh leads tend to close quickly, assuming you work with due diligence. Just because you're the only person getting the leads doesn't mean you can let them fall through the cracks and not work them as fast as possible.

If your leads aren't interested in buying the day you call, don't forget the importance of follow-up, just as you would with any other type of lead. Some people take up to 6 weeks to purchase a policy after requesting a life or health insurance quote online, so you'll probably lose a sale if you only call once. Don't make assumptions or try to make up the person's mind for them. Offer information and leave the decision up to them, but don't forget your follow-up procedure to see greater success when you buy leads online.