Life Insurance Leads

Life Insurance Leads

Life insurance leads are the lifeblood of any insurance agent, this is one of the first lessons that a life insurance agent in training learns. There are many many ways, especially with the advent of the internet and social networking, for a life insurance agent to find excellent life insurance leads.

But that’s only part of the battle. It’s what you do with the life insurance leads that really counts in your line of business. As you may already know, using internet services to provide targeted life insurance leads is an excellent way of creating a brand new list that has been pre-qualified. Now, when you get huge number of leads, you think this is great, now all you have to do is… Oh wait, what do you have to do?

There are the usual marketing ways; the letter, the package, the phone calls. But, if you have, for instance, a hundred good qualified life insurance leads that have already been sorted out geographically so that you know which ones are closest to you, what is the best approach in turning these leads into clients?

You don’t want to make them wait if they’re on your lead list, because they’re looking for insurance now. There’s no point moseying through the list so that you’d finally get in touch with some of these leads three months down the road. If they’re eagerly looking for life insurance, they’re looking for it now, and they don’t want to wait three months to hear from you.

If they do wait even a month to hear from you, they might get the impression that you’re not the eager go-getting life insurance agent that they want and need. One of the most frustrating and surprising things that happened to me in looking for insurance, was going out of my way to call an agent, explaining exactly the kind of insurance I wanted, and have him say, “I’ll work at a price to get back to you”, and never returning my call.

To put it succinctly, finding life insurance leads, which has always been called the hardest part, isn’t really the hardest part. It’s the first part of a complicated relationship that you’re about to build. You have the names, you’ve got to deal with them, which means that you have to work out a game plan. You might be better off getting fewer leads and turning these into clients, or at least contact them to see if you can turn them into clients before you buy a whole stack of leads online.

Life Insurance Leads For Agents

For anyone in the business of selling products, whether tangible or intangible, the key to success is generating and following up on leads.  Let’s face it, sales is a numbers game.  The more quotes or pitches you make the higher your chances are to make consistent sales.  Unfortunately, generating leads to follow up on is not always an easy task.


While there are sites online that promote free life insurance leads, it might not be in your best interest to even waste your time and effort.  If you are getting free leads, so are countless other sales agents.  Not only would you be getting dead-end leads, but you would be spinning your wheels trying to set appointments.  Those same people have probably been approached a bunch of times.  Look at it this way.  How many times a day or week do you have to clean all that “spam” out of your email box?  There is nothing more irritating that to have to weed through hundreds of unsolicited emails in order to delete them without deleting any of the messages that you really want to read.  That’s how those people feel when a myriad of sales people call them to pitch life insurance and cold calling is way down in my list of life insurance lead generation techniques!


Networking For Insurance Lead Generation


One of the great things about our high tech society is that networking to generate insurance leads is more efficient than ever before.  You no longer have to attend meetings and luncheons to network with other business people with whom you want to share leads.  Now you can network via the internet and you can get life insurance leads from someone selling final expense insurance and that sales rep is able to get final expense leads from you.  It’s a matter of finding a blog or message board to become a member of.  It’s fast and easy, but it STILL isn’t always your best bet.


Exclusive Life Insurance Leads


Everyday life is already chaotic enough for most people.  We just don’t want to be bothered by sales people calling us in the middle of dinner or in the evening when we finally have a brief moment to ourselves.  I would venture to say that you are less likely to close that sale if you catch someone who just does not want to be bothered.  Perhaps they would be open to hearing you if you caught them at a time where THEY are ready to talk.  That’s where exclusive life insurance leads come in.

If you contract with a company to provide you with EXCLUSIVE life insurance leads, then that list of contacts is probably already pre-qualified.  At some point in time those leads expressed an interest in obtaining life insurance.  Perhaps they followed an online link, or maybe they just bought a home.  Mortgage protection leads can really keep a life insurance agent going in times of famine.  Most home owners want to protect their loved ones should they suddenly be unable to make those payments, whether through death or disability.

Always keep in mind that exclusive life insurance leads are the best leads to follow up on.  If you have a corner on the market then those people aren’t being inundated with unwanted calls.  Although you usually need to purchase exclusive life insurance leads they will produce a lot more business for you than free life insurance leads.  Remember, the more you pitch the more you’ll sell.  It’s a fact of life in the sales business.  Go exclusive and forget free.  You only get what you pay for.  And if you pay nothing you get nothing.

Cincinnati Life Insurance Leads

At the moment there is a lot of uncertainty in the world and people are just getting downright scared.  Every day we hear of some rogue country getting nuclear capabilities and the stock market is crashing and swine flu is out there and you name it, the news is on it.  I’m not really sure if there is a reason for all this unrest, but one thing is for certain.  Life insurance companies are doing big business.  Banks might be floundering, but life insurance leads are on the rise.

If you are in the business of selling life insurance then you know you need to make multiple contacts and sales pitches before you get that prospective customer to sign on the dotted line.  Depending on the type of company you work for and exactly how broad the scope of coverage is, you will need a variety of life insurance leads that cover different kinds of policies.

When someone is young enough, say in their late twenties or thirties, they would probably opt for a life annuity insurance policy.  They will be making payments for a good many years and they can look at it as an investment.  When they retire they can cash out their policy and get annuity payments for the remainder of their life to subsidize retirement income.  There is a huge market for this particular insurance among young executives and that is probably the best place to get your annuity leads.  Focus your efforts on getting annuity leads from various clubs and organizations these young execs belong to.  You might also work on disability insurance leads at the same time.  Many of these white collar workers have families and worry about what will happen if they are injured and unable to work for extended periods.

If the person is older they might opt for whole life insurance because they pay a premium until they pass away and their survivors get a lump sum at their death.  Older people also look at what will happen when they pass away and worry about how their families will pay for their funerals or pay off the mortgage.  There are a number of ways to get whole life insurance leads, mortgage protection leads and final expense leads from various senior groups and affiliations.  As a matter of fact, Life Insurance Leads Expert might be a good place to start.  We can help you find lists of life insurance leads for sale and these lists can be either all encompassing or geared toward specific target groups.  Depending on what you are willing to pay you can even get exclusive life insurance leads so you can corner the market in your area.

Your best bet, all the way around, would probably be to contract a company and buy them.  Some of those companies provide other leads as well and are not limited to life insurance leads.  Many even offer lists of health insurance leads.  Doing your own legwork to get life insurance leads can be time consuming.  If at all possible, find a company that provides the leads and spend your time pitching and closing those deals.  You will make back any investment and profit accordingly.  Remember, you get what you pay for.  And if you are willing to pay, you’ll get a lot of viable leads.