Only relying on article directories is a classic mistake. Google has already made it crystal clear that if you do rely only on article directories, you are not going to get optimal results. What do you do instead? Populate your own sites first.
The reason you use your articles in your own blogs and websites is because those media are what you are marketing and you need to build your own traffic and credibility, not build someone else’s. If you want to take your articles to the next level, then look for a website that does exclusive syndication and always needs fresh content. Write it right and you could be well on the road to building a very nice following of potential insurance converts.