How to Get Clients to Click Your Call-To-Action (CTA)

As an insurance agent, the success of your business is based not just on the strength of your customer service, but also on your ability to convert a lead into a client in the first place. One of the best ways to convert leads is by getting them to respond to your call-to-action, which isn’t always easy – after all, the average person gets about 88 emails a day! That’s a lot of noise to contend with, and can mean that yours might be just another email that they delete – so how do you make yourself stand out, and more importantly, how do you get leads to open your email and click on your call-to-action (CTA)?

What Is A Call-To-Action?

A call-to-action is a directive used in marketing campaigns to encourage customers or leads to visit your website or contact you. The main goal of your call-to-action is to keep potential customers, or leads, engaged and interested in your business, and clearly direct them what to do next to find out more information or to make a purchase.

A call to action can be:

  • A text link

    red subscribe button with a white bell

  • A button such as “Download Now,” “Subscribe,” or “Get More Information Here”
  • Plain text without a link

The right CTA can be extremely effective: did you know that 83-93% of post leads come from an internal CTA link? How about that emails with a CTA saw a 371% increase in clicks and a 1617% increase in sales? Those are very impressive and attractive numbers.

What Makes A Good Call-To-Action?

An effective call-to-action is interesting and engaging – after all, who wants to click on something that isn’t enticing or that doesn’t provide the answers to their questions? Here are some tips to consider when creating a killer CTA:

  1. Use strong actions wordsStart with a verb, followed by an adverb. A great example of this would be “Buy Now,” “Call Now,” or “Enter your email for a free quote.”
  2. Avoid using words that will create a negative response– Steer clear of words like “Stop” or “No.” This will scare away potential customers.
  3. Keep it short– Don’t confuse leads with a long call-to-action, instead keep it short so they understand what you are offering and the value of it. Your CTA should be between 90 and 150 characters.
  4. today only written on a yellow note
    When creating your CTA, create an urgency by using words such as today, and now.

    Go for an emotional response– Everyone loves to save money, especially when looking for an insurance plan, because let’s face it, they aren’t cheap. A great example of a CTA that evokes an emotional response might be “Click here to save $50!”

  5. Create urgency– The whole point of your call-to-action is to get a click. One way to do this is by creating a sense of urgency, which you can do by using the words “now” and “today.” Use CTAs such as “Get a free quote today!” or “Act now to lock in your discount.”
  6. Use contrasting colors to jump out at the viewer– Studies show that a red CTA button increased conversion rates by 21%, while orange increased other companies’ conversion rates by over 32.5%.
  7. Add images near the CTA– This can increase conversion rates up to 20%.

Make Sure They Can Find Your CTA

You need to think about how to make your CTA clear and effective, but you also need to think about proper placement of your CTA: according to Neil Patel, placing the CTA too early in your email or on your webpage decreases conversions by 17%. The most effective CTAs are placed after the fold, not in the beginning or the middle of a paragraph; in addition, don’t be tempted to have too many CTA buttons or links. Instead, stick to just 2 or 3 differently phrased CTAs within the email or webpage: you want to present the opportunity for them to take action, without pushing it down their throat.

Calls-to-action are important for your emails and website, because they are a great way to attract leads and convert them to clients. Just remember, after you’ve created what you feel is a compelling call-to-action, test it out! Test out the different types of CTAs, different placements, and different colors – this will ensure you find what works best for you.

How To Submit An Error Free Application

If you’ve never had a client’s health insurance or Medicare Supplement Plan application get delayed, consider yourself one of the lucky few. It happens to the best of us: you submit an application for your client that isn’t filled out completely or correctly, delaying their coverage – and not only that, but your commission also gets delayed! To avoid any mistakes that lead to these delays, do the following to ensure you submit applications that will not get flagged.

Take Your Time Filling Each Application Outclock with the time "7:00" on it

If you are submitting an application by hand, make sure you take your time filling it out as neatly as possible. If carriers have an issue reading anything on your application, you can expect it to get kicked back to you. So, make sure it is easy to read, and as straightforward as possible. Then review it with your client to make sure the information is correct, and your handwriting is clear.

Provide Details

Carriers want the full scoop on your customer before accepting the application. If your lead answers yes to any health questions, but does not provide any further details, the application will be flagged, so make sure to be as detailed as possible when submitting an application.

Be Compliant With SOA Rules

If you’re dealing with a Medicare customer, you will need to complete a Scope of Appointment (SOA) before even meeting up with them. The Center for Medicare and Medicaid Services (CMS) requires that you fill out this form, whether you make a sale or not, so you know exactly what the client wants to discuss with you; if at any point the client wants to talk about something else, like a different product or service, you should fill out another form. This will protect you and your agency, and help the application process go more smoothly.

Pick A Primary Care Physician

illustration of a faceless doctor
Make sure that you have the primary care physician listed for your applicant.

Some carriers and plans will require your customers to have a Primary Care Physician (PCP) when signing up for a plan so that they can be sure the doctor is in their network. Check to see if the carrier requires this information, and if they do, make sure an in-network PCP is on the application before submitting it, otherwise you can expect the application to be delayed. It is probably best to fill this section out regardless of whether it is needed or not, since getting into this practice can make things simpler.

Don’t Sign for Your Clients

Maybe you have innocently signed a form for a client at some point to get things moving, or have had others sign something for you when using your card, because you just want the application process to go as quickly as possible. But if you do this, not only will it get flagged, but you could get into serious trouble since it is illegal! You should always have your client sign the application, even if it means waiting a few days.

stop watch with the word deadline and the hand approaching it
Once the application is signed, you have 48 hours to submit it, or you will be penalized.

Submit The Application On Time

No brainer, right? But a lot of agents get so busy gathering all the necessary documents that they miss the deadline. Remember, once you and the client sign the application, the carrier needs to receive it within 48 hours; any later, and you will be penalized by the carrier, and your commission will be delayed. That means you need to get all the necessary documents in order before completing the application.

Selling insurance is what you do best, but mistakes can happen to anyone, which can mean delayed commissions and clients going without coverage. Whether it is your first time or 200th time filling out an application, make sure to go over the whole application, fill everything out completely and clearly, and have all the required documents ready. Taking your time will prevent any issues and make sure your client gets insured in a timely fashion, and you get your commission.

How To Set Goals To Really Grow Your Business

More than likely, you’ve got big goals for your career and your business. And that’s great: goals are important because they help trigger new behaviors and keep you focused and driven; in fact, a Harvard Business study revealed that 14% of people who have goals are 10 times more successful than those without goals. But let’s back up. You might have big goals, but do you have clear, detailed goals for your business? Sure, we all want to make X dollars by the end of the year, or want to sell X amount of policies in a month, but how do you plan on getting there? What are your smaller, daily goals, and do you know what will bring you closer to your long-term goals? And which goals should you focus on first? Being able to answer these questions is vital to your business’ success.

Why Create Goals?

a group of people around a table looking down
Having a set of goals for your business will help your teammates focus and increase productivity.

Brings Your Agency Together

Many studies have shown that goals make employees more motivated, happier in their position, and ultimately, more productive. Having goals set in place will:

  • Keep everyone accountable to themselves and to each other
  • Help you and your employees define a vision of where they want to be
  • Encourage employees to think about the meaning of their work, and give them ways to measure their accomplishments
  • Boost performance and motivation
  • Give a feeling that you are all on the same team

Creates A Sense of Accomplishment

Meeting any goal, whether it’s a weekly sales goal, or even just a daily goal of tackling customer questions/concerns, can give you a sense of accomplishment, which will keep you motivated and working toward your larger goals.

Gives You Something to Reach for

Even goals that you don’t achieve are valuable! Not reaching a goal that you set for yourself gives you something to work towards; instead of writing off these missed goals as failures, make them your “stretch goals,” or ones that you will eventually reach, but will need to stretch yourself to do so.

How to Set Your Goals

So how do you actually go about setting the right goals for yourself and your business? The best way is by using the SMART method, meaning you should set goals that are: smart goals spelled out

  • Specific– Your goals should be well-defined and clear.
  • Measurable– There should be specific criteria that measures your progress towards accomplishment.
  • Attainable– Don’t set goals that are impossible to achieve or attain.
  • Relevant– Make sure your goals are not only realistic and within reach, but they are also relevant to what you want to accomplish.
  • Time-bound– Give yourself a clearly defined timeline to create urgency, including a start date and target end date for your goals.

Goals to Focus On

So now you’ve got the method for setting goals, what specific kind of goals should you be focusing on for your business?

  • Sales Goals- When setting sales goals, think quantity and go from there: for example, do you want to focus on daily sales? Quarterly sales? How many returning and new weekly customers you have? Make sure you are following the SMART method and setting sales goals that are both measurable and attainable.
  • Marketing Goals– You should have strategic marketing goals that are based on your sales goals. Remember, these days social media is your best friend when trying to get noticed and get more customers, so your marketing goals should include a content strategy that spells out how many times you want to post a week, and on which social media platforms.
  • Operational Goals– These goals will focus on how well your business is operating, which is based on: your customer service, process consistency, team growth, and administrative efficiency. To improve your business’ function, you will need to create goals to boost these areas.

Goal Sequence

a person's hand holding a pen and writing in a notebook
It is better to break down your goals for the year, quarterly, weekly, and daily.

To keep yourself on top of your goals, stick to a well-sequenced timeline that breaks your goals down in the following ways:

  • Annually- Breaking down your annual goals will help you get started with your sales, marketing, and operational goals.
  • Quarterly– Once you’ve gotten started on your annual goals, reassess your progress every 90 days. Are you meeting your goals? Do you need to make adjustments?
  • Monthly– Create monthly goals to lay out what you will and will not work on for the month. Base this list off your quarterly list.
  • Weekly/Daily– Now break down your monthly goals and focus on what you need to do or accomplish each week or day to reach those larger goals.

Setting goals is a must for the long-term success of your business, but you have to know how to set the right kind of goals. Not only that, but you should be consistently revisiting your goals, so you can make any necessary changes each month. As you work on your goals, evaluate how the changes you make to them impacts your business, and you’ll eventually move closer to succeeding at reaching them.

If you are looking for more leads, Benepath can help: we offer you real-time exclusive leads who are ready to purchase an insurance plan. Not only do we offer exclusive real-time leads, but we will even create a thank you page for you, so your leads will know exactly who they are about to speak to before the call is transferred! To find out more, fill out your information on the bar to the side, or call 866-368-0377.

Advantages of Being An Independent Agent

When you enter the world of insurance sales, you have a big decision to make: should you become an independent agent or a captive agent? While both types of agent are fully licensed to sell insurance, there is a major difference between the two: captive agents are employed by insurance companies and represent only that company, while independent agents have more freedom to work with different insurance companies, instead of working for them. Going the independent agent route will guarantee you more opportunities for success, because you will be able to offer more to your clients. But that is not the only advantage of being an independent agent.

More Optionsmany white doors lined up next to each other

As an independent agent, you can represent multiple insurance companies; doing so allows you to not only become extremely knowledgeable about different plans, but also to provide clients with more options. Captive agents can only compare insurance plans offered by the insurance company they work for, but independent agents have access to many markets, meaning you will be able to compare plans and find what is truly the best option for your customers, so you’ll end up with happier clients – and more referrals!

Freedom & Flexibility

If you become an independent agent, you will own your agency, so you will essentially be your own boss. You will not only have the freedom to decide which carriers you want to work with, but you will also have the flexibility to set your own hours and choose where and when you want to meet with or speak to clients. All of this means that you won’t have to operate around the traditional 9-5 work day; you can even meet with clients in the evenings or on weekends, so you’ll be able to attract people with tighter schedules.

Unbiased Advicewoman with a suit on smiling and holding her laptop

Clients will want to work with you if you are an independent agent because they’ll know that you’ll give them unbiased advice. Captive agents will always try to sell clients a plan from the carrier they work with, even if it is not the best option for them, but because you work with multiple carriers, you can actually find the best plan for them.

It is your choice whether you become an independent agent or a captive agent, but ultimately there are more advantages to being an independent one. Not only will you be your own boss, but you could end up as a much more successful seller: customers will choose to come to you because they know you can offer more, and save them more money.

What Are Agents Responsible For Under HIPAA?

Before you begin selling insurance, you will need to become familiar with The Health Insurance Portability and Accountability Act of 1996, more commonly known as HIPAA. This federal law created standards for protecting a patient’s health information from being disclosed without their consent or knowledge. In 2013, the HIPAA Omnibus Rule expanded the Department of Health and Human Services’ (HHS) ability to enforce the requirements not just in regards to “covered entities,” which are defined as health plans, health care clearinghouses, and health care providers who transmit records electronically, but also to “business associates” that help these covered entities carry out their health care activities. What does that all mean? It means that independent agencies like yours must comply with HIPAA rules; as an agent, you are just as responsible for protecting your customer’s health information as medical professionals and insurance companies. But what are you responsible for exactly?

What Does HIPAA Mean for Insurance Agents?confidential in red with a red rectangle around it

For insurance agents, the rules of HIPAA are in place to make sure that the information you gather on customers for underwriting and claims processing is kept safe and only accessible to others with the permission of your customer. In order to do this, you need to comply with two different categories of HIPAA guidelines: HIPAA privacy and HIPAA security. Both categories of guidelines address procedures for protecting your customer’s data, but there is a big difference between them that you need to be aware of.

HIPAA Privacy

The HIPAA Privacy Rule is meant to keep your customers’ health information safe from others when it is being used in an administrative or contractual way. You are responsible for protecting their Personal Health Information (PHI), which is any personal health information that was created or used during your customers’ treatment or diagnosis; you are also responsible for maintaining the security of your customers’ basic information, or anything that could identify them, like their name, address, birthday, and Social Security number. Under the HIPAA Privacy Rule, you can only disclose or give access to this information to specific entities, and if you fail to comply, you could face a fine, loss of your license to sell, or even jail time.

HIPAA Security

illustration of a person in a suit with a laptop and shields around it
HIPPA security is meant to protect your customer’s information from hackers or electronic theft.

The HIPAA Security Rule is meant to protect any health information that is in electronic form, such as that which is stored on computers, secured VPNs, software with encryption, or that is sent via email, from hackers and electronic theft. There’s no doubt that you rely on your computer, tablet, laptop and phone for work, so the HIPAA Security Rule means that you will need to go the extra mile to protect your customers’ information. To make sure you are complying with the Security Rule, you’ll need to make sure your computers or whatever technology you are using to store your customers’ info are absolutely secure and as protected as possible from any potential cyber threats.

When working with customers’ important and confidential information, you have to be diligent and prevent any breaches that could result in their information being leaked to people who do not have permission to access it. Something as simple as sending an email that includes a customer’s PHI to the wrong person, or leaving a voicemail with your customer’s information, could end up getting you in trouble. If something like this happens, you would most likely be audited by the Office for Civil Rights, who oversee compliance with HIPAA rules. In order to be prepared, make sure you (and anyone else in your agency) are trained in and thoroughly understand HIPAA guidelines; you need to be very careful with customer’s information – one mistake could cost you your business!

Let’s Talk About Customer Reviews & Testimonials

Review and testimonials. They’re what many agents are chasing, unless the reviews are the kind that will send customers running in the other direction! Some companies (including agents) even use fake testimonials and reviews in order to lure people into working with them. It might be tempting to throw in a couple of fake good reviews and testimonials on your Facebook page or website in order to increase your traffic and grow your business, but is it worth it?

The Impact Of Reviewsthumbs up with different colored speech bubbles around it

Approximately 93% of customers read online reviews before deciding to work with a business or buy a product. 31% of customers say they will even spend more on a product or service with good reviews! In addition, the better your customer reviews, the higher your website will rank in search engine rankings.

People Can Spot Fake Reviews

Have you ever put the term “fake reviews” into a search engine? Thousands of answers to the question “how do you spot a fake review?” come up on Google, indicating that people are catching on to fake reviews. About 82% of consumers have read a fake review in the last year, and for 18-34-year-old consumers, the proportion is even higher, with 92% saying they’ve seen fake reviews; and studies show that 90% of people can spot a fake review when they see it. Not only that, but 54% of people say they would not buy a product or service if they suspect it to have fake reviews.

Businesses who post fake reviews will not only lose possible customers, but they will then suffer from a bad reputation. We all know that with a bad brand and reputation, you might as well kiss your business’ success goodbye.

Fake Testimonials Are Actually Illegal

Fake testimonials are not only very deceptive, but posting them is actually against the law. Under 15 U.S. Code § 45, the Federal Trade Commission (FTC) has the power to stop and penalize parties “using unfair or deceptive acts or practices in or affecting commerce.” False advertising falls under this law, including false reviews and testimonials. Fake reviews are not based on real customer experience and so are meant to mislead customers.

red bars going downwards on a graph with a blue arrow about the bars pointing downward
Not only are fake reviews illegal and you can get penalized for them, but you will lose a lot of business.

The bottom line is that posting fake reviews is just not worth it. Everyone spends so much of their lives on their phones these days, which makes it easier for them to distinguish fake reviews from genuine ones. You might get busted sooner or later – and, honestly, there should be no need to fake anything. As an agent, customer service is your best asset, aside from knowledge of the insurance industry. Your job should revolve around helping people find a great plan, keeping in touch with them, and making sure they are happy. When a customer is not happy and leaves a bad review, which will happen once in a while, that’s okay, you just need to deal with it in the right way.

In order to stay ahead of bad reviews, address any you get with a comment saying you would love to speak to the customer to see how you can make things right, followed by a phone call. Show that you are willing to fix the issue and keep your customers happy- this will build your reputation and result in great reviews!

If you would like more positive reviews on your website or Facebook page, don’t be afraid to ask your customers! One study found that 68% of customers will write a review if they are asked. So remember, it just isn’t worth it to post fake reviews, they are more damaging than helpful. Instead, keep your customers happy and they’ll be more than willing to help you out with a positive review!

Top 3 Reasons Agents Fail

Selling insurance is easy, right? Sure, if you’re a veteran and have been doing it for years. But for most agents who are just starting out, and even for some who have been selling for a while, it can be a struggle, and many will fail. It is actually estimated that about 80% of new agents will fail within the first 3 years. If you are aware of the reasons why agents fail, then you can avoid these mistakes and become successful in the insurance industry.

Expecting A Lot In The Beginningillustration of a man in dress clother with his head on his laptop keyboard

This is the biggest mistake you can make as an agent. It would be great to get into the insurance business and flourish right away. But that is not realistic. Selling insurance is a slow and steady race, because of the time it takes to build a customer base. In order to get that customer base, you have to put effort into building a website, creating a social media presence, doing email marketing, and more to get your name out there and get your business known.

But even before you can build up your customer base, you need to get leads, which can take quite some time. In order to get leads that are exclusive and ready to buy, you have to put in a lot of work, including knowing how to speak to customers, and showing superior customer service skills. Benepath can supply you with great exclusive leads at a low cost. Our leads simply fill out a form on our website and are ready to speak to an agent about their insurance options.

Not Having Enough Training

An insurance agent needs to know their stuff, which means you must constantly learn what is new and what has changed in the industry. How can you get more training and education? There are plenty of online courses available. You can also join a network of agents who can help mentor you.

Focusing On Making Money Instead Of Providing Great Serviceillustration of two magnifying glasses over a money bill.

We get it, you want to be successful and make a lot of money. But choosing to chase money will only end up hurting your business, and you will lose out in the long run. Customers will see that you do not care about their needs, especially if you are pushy about selling plans without showing your customers how valuable they are. Selling insurance is a service-oriented business, and about building relationships, not just making sales. You need to be ready to go above and beyond to meet your clients’ expectations, and keep your relationships going.

If you want to become a successful agent, great! It takes a lot of work, you have to be educated in insurance, take your time, and know how to run a customer service-based business. If you’re looking for exclusive leads, Benepath has got your back. To get more information, fill out the form on the side of the page, or call 866-368-0377.

How To Be An Adaptable Agent

The insurance industry is always changing, and this past year has shown just how all the variables that can come into play require adaptability. As an insurance agent, you have to be able to quickly adapt to any changes in your industry, whether they are changes in plans, insurance companies, rules and regulations, or the needs of your customers. Being adaptable will help your business grow in the long run, because the more flexible you are, then the more successful you will be. But how exactly can you be adaptable?

woman's arms sitting at a desk in front of a laptop with a cellphone next to it and a tablet next to the cellphone
Technology is always evolving, so it is important to keep up with it to make comparing plans easier.

Keep Up With Technology

Technology is constantly developing, growing, and changing. People have grown to rely on technology for almost everything: keeping up with friends, finding answers to their questions, getting directions, and shopping – and that includes shopping for insurance! Your customers are looking for convenience, so if you do not keep up with new technology, you will find yourself struggling to sell insurance.

Stay on top of all of the ways to make selling insurance as convenient as possible for your customers. Learn how to share your screens with customers, create a website and keep it updated, and make signing up customers online an easy option for them.

Expect The Unexpected

If there’s one thing you’ve probably learned over time as an insurance agent, it’s that you should always be ready for the unexpected. The pandemic is a great example of the unexpected! When it hit, agents had to adapt to selling insurance solely over the phone and through video meetings. Adaptable agents, who transitioned easily to selling over the phone rather than relying on face-to-face interactions, were much better prepared to continue selling through a difficult situation.

Always be ready to tackle any obstacles to selling that are thrown your way, which brings us to the next tip…

Embrace Challenges

How you look at a tough situation will determine how successful you are at tackling that challenge. If you approach a challenge with a positive attitude, you are more likely to have an open mind and find the solution more quickly, and not get frustrated. Being frustrated, annoyed and angry will only lead to giving up, and that’s not an option in the insurance business. After all, it’s not always easy trying to find the perfect plan that meets all of a customer’s needs, and you are bound to be faced with angry customers or periods of rejection.

illustration of scissors cutting the t off of the word can't

Take a deep breath, take a break, and come back to work on the challenge with a clear mind. It will make a world of difference, because not everything is going to come easily to you, no matter how long you have been doing the job.

The best way to be successful in any business is to be adaptable. Keep up with the latest technology, with any changes to insurance companies and their plans, and most importantly with your clients. Leads all have different needs, and learning to adapt to them is very important to having happy, satisfied customers. And if you do end up with unhappy customers, learn to take on their feedback so you know what you need to improve. Remember, if you are struggling to find exclusive leads that are ready to buy, Benepath can help. We provide exclusive leads that are sent to you and only you. We also provide you with better tools, more guidance, unsurpassed sales training, and techniques from the most successful agents and trainers in the industry. To get more information, fill out the form on the right side of the page, or call 866-368-0377.

SEO Tips For Insurance Agents

The rules for how to best utilize Search Engine Optimization, or SEO, are always evolving. In order to improve the quality and quantity of traffic to your website, you need to stay on top of these rules and have a basic idea of how search engines use algorithms to choose which sites they will show to people. In most cases, customers are not going to be searching for your company specifically, so you have to know what keywords they are likely to type into the search bar. There are billions of websites on the internet, and it can be challenging to know how to beat your competitors at the search engine ranking game, so here are some tips to help make your website stand out.

Research

The best way to boost your website’s ranking is by doing some research. For example, you’ll need to research keywords and phrases that your specific audience uses when looking for answers online. You have to understand your audience and how they can benefit from your services. When you begin researching, consider:

hands on a laptop keyboard

  • Focusing on local search terms, such as “Florida commercial insurance,” so you can target customers who live where your business is located.
  • Making a list of relevant topics based on the insurance products you offer. Be sure to consider alternate terms that people may search for; for example, “business insurance” and “commercial insurance.”
  • Researching related keywords, for example the keywords that appear as suggestions in Google when you begin typing an insurance question or product.
  • Prioritizing keywords with higher volume and lower competition.

Using Keywords

Content is king, and when writing your content, it is very important to include your keywords where it makes sense. Use your keywords multiple times on your page or in your post, but only where it fits. Don’t just stick them in in random places! Consider placing your keyword(s) in your:

  • Page title
  • First line of your text
  • Subheading
  • Meta description, or the brief summary that appears below your page title in the search engine results
  • Picture captions or alt text (alternative text), or the written copy that appears in place of an image on a webpage

As stated, make sure that your keywords flow in your content, because search engines can penalize you for over-optimizing your page.

we want your feedback written in a light blue conversation bubble
One way to boost your ranking is by asking happy customers to write a review on your behalf.

Influence

Influence plays a large role in SEO and the success of your business. There are two main ways that you can influence people, and nudge them towards choosing your business:

  • Solicit online reviews- Positive reviews are compelling reasons for people to consider choosing to work with your business. If you have satisfied customers, ask them to leave a review to help get you noticed online. Having multiple positive reviews organically gives Google more keywords that will help in promoting your business. Don’t be shy – research shows that 70% of people will take the time to leave a review when asked.
  • Produce and promote content- Blogging and content promotion is crucial for your SEO. People want to work with companies that they feel are authorities in their field; one way to be viewed in this way is by blogging. Businesses with blogs generate about 55% more leads than companies that don’t have them.

Use Google My Business

Are you aware of “Google My Business,” or GMB? It is embedded right into Google’s search engine and using it is one of the most effective ways to rank high in local search results. With a Google My Business account, your business will be listed with its location, hours, contact information, and other relevant information. You can also show up on Google’s “map pack”; when someone searches for a business in Google, they are most likely to click on one of the top 3 – 4 businesses on the “map pack.” Build a compelling profile by using your best performing local SEO keywords in the business description, adding content like blog posts and images, and constantly updating your information when necessary.

Tips For Selling Insurance During Hard Times

Last year was an unusual year. Many people suffered, from business owners to employees who lost their jobs. Some small businesses had to shut down, which ended in them closing their doors for good and laying off their employees. All of this means that many Americans are facing hard times financially, so you might find that selling insurance is challenging right now. But we have some tips to help; after all, people still need insurance. You can help them, as long as you approach each sale with care and offer ways for customers to save.

Address The Importance Of Insurance

set of hands with paperwork in front of them on a table.
It is important now more than ever to explain the importance of being insured during tough times.

When selling during tough times, you need to make clear to your prospects just how important insurance is to their health and well-being. Help them to understand the possible consequences of going without insurance. Create different scenarios to illustrate your point. Remember, though, the goal is not to scare them into a sale, but rather to help protect them from the unexpected.

One way to highlight the importance of insurance to your prospects is to show them that not having insurance can lead to financial risk and loss for everyone, whether it is a business owner who chooses to cut back on commercial insurance, or an individual choosing to opt out of health insurance. A business owner who forgoes insurance can jeopardize their business, because all it takes is one lawsuit to lose everything they have worked for. An individual who chooses to remain uninsured can end up in medical debt if they have an accident or develop a chronic condition. Again, approach the matter with care and compassion, and make it clear that you are not trying to scare them, or they might feel like they are being bullied into a sale.

Look for Discounts

If current customers are thinking of cancelling a policy, or changing to a cheaper plan, sit down with them and see if you can find any discounts available for their current plan. There might be some discounts that you can apply that will help lower costs. For business owners, let them know that they might be able to save money by bundling their insurance policies. Even saving your client a small amount of money such as $5-10 can make a difference to them!

Suggest a Higher Deductible

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Having a higher deductible allows people to save with lower monthly premiums.

If a customer is struggling to pay their monthly premiums because of financial issues, the easiest way to help is by suggesting they go with a plan with a higher deductible. High deductible plans will have lower monthly premiums, which can help them save more money each month, as long as they do not have an accident which will require them to meet their high deductible.

The COVID-19 pandemic has not only caused hardships for business owners and their employees, it has also caused hardships for agents. But if you follow the tips provided, and help people prioritize insurance, then you can succeed during these tough times.

Remember, if you’re looking for leads, one way to guarantee you’ll find them is by working with Benepath! Hundreds of leads looking for all types of insurance fill out our online forms everyday, and after they fill them out, we immediately transfer calls to our agents. Our leads are exclusive and offered in real-time, which sets us apart from other companies. Not only do we offer exclusive real-time leads, but we will even create a thank you page for you. This way leads know exactly who they are about to speak to before the call is transferred! To find out more, fill out your information on the bar to the side, or call 866-368-0377.

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