Health Insurance Leads - Some Tips on Painless Insurance Selling

By Susan Mayer

The problem with most health insurance agents is that they often employ the gather-gather approach to health insurance leads, especially those not in their warm markets. Everyone and anyone becomes an insurance sales lead without ever considering the person's health insurance needs and his or her capacity to pay.

Not surprisingly, in the old days, insurance agents often had doors slammed in their faces. Back then, this was the exception rather than the norm. But really now, you don't have to put with this kind of treatment these days. You can benefit from technology and use it to come up with new ways of doing old things.

One thing you can do is to generate health insurance leads from your warm markets. Ask referrals from your family and friends, and don't be shy about it. The good thing about generating leads from your warm markets is that the trust factor is already there, unless if you're in the habit of ripping off friends and family. If your significant others trust you, they will trust you enough to refer some of their own friends to you. Take note though, that in some cases you will have to ask for references.

Don't be lazy about researching on your prospects. Increasing your chances at closing the sale has a lot to do with you finding it your sales lead needs your product and if he or she can afford it. Reserving your sales calls only for the people who need your product and can afford it will make your job a lot easier and more profitable.

Market your products, but there's a certain way to market your products. Essentially, you need to market your products in such a way that it strikes a chord with your prospects at the emotional level. You can center your sales pitch around love, fear, greed or some other emotion. People essentially buy products because of emotional factors. They rationalize their purchase only AFTER the fact of buying.

Aside from your relatives and friends, you can also generate your leads from insurance websites that offer health insurance leads. Essentially, these websites are just looking for sale agents who can work on their pre-qualified leads. Some websites will even set you up for an appointment with a client only for signing an insurance plan. What you have to do is to sell new products to an old client.

It is a fact in the insurance industry that most agents quit the business practically as soon as they are done selling to their family and friends. However, it does not change the fact that insurance agents still earn more than the average American who works a 9 to 5 job. The United States Bureau of Labor Statistics reports that in 2006, the average insurance agent earned an average of $58,450 while the average American family earned only $48,201 in the same year.

So think about it. Never be afraid of selling. Visit our site and find out more about our health insurance leads program Susan Mayer is an insurance broker based in Birmingham, Alabama. Insurance agents are welcome do business with her - she's more than happy to share sales leads with her agents. It doesn't matter what state they come from, she has the information.

Discover the Secret Professional Network Marketers Way to Page One of Google in 48 Hours Or Less

By Ricarte Rivera

The day Oprah contacts you after simply wishing it with your thoughts will change your entire paradigm about what's possible. You too can mentally create an international upscale PR company in the heart of Hollywood, NYC, or Topeka Kansas. Then start believing you are indeed the PR and Internet Attraction Marketing Director of, let's say, the film phenomenon "The Secret."

Lastly, just let it go and completely detach from the outcome. I promise you'll wake up the following day to a 6:58AM Harpo Productions call from Oprah's researcher Carla (time, day, and researcher might vary). Fascinating, don't you think?

The previous story contains the key for success in Attraction Marketing and PR as it applies to your multilevel, Network Marketing, or to Any Home Based Business. The tips, tricks, and techniques necessary for your success are always drawn to you when you get clear about your specific wants. All kinds of answers, possibilities, and events begin to unfold which give you the opportunity to be grateful and to accept your unlimited abundance. You become aligned with your desires when you stop doing what you were previously doing. And in doing here, I refer to those things you keep telling yourself which prevent you from becoming open to receiving.

So, you want to find out how easy it is to reach first page of Google for any term related to your niche business, right?

Following the simple advice of other real life renegade network marketers like Mike Klingler and 18 year old professional renegade from You Tube Alan Toaca, you will be able to reach page one of Google organic free search engine. You are guaranteed to get results within 8 to 48 hours.

The three easy steps you can follow to do the same are:

1. Record your own video, or download other people testimonials with http://www.keepvid.com/

2. Include all your target keywords in the title, video description, and tags. For broad term keywords black belt recruiting include the phrase at the bottom of your video description after testimonials followed by "black belt recruiting" [black belt recruiting] {black belt recruiting}

3. Create a daily routine which guarantees you'll develop a Wealth Consciousness like all other great figures in history, free mp3 & pdf are available at http://www.simplemeditation.com/

You can create your own professional network marketer system without having to buy or purchase any product. Just send your visitors to your own free lead capture page, and that's it! You'll be so happy because of the constant sign ups, high quality leads, and perfect customers attracted to you. It works with all multilevel and Network Marketing Companies.

Will you become the next renegade network marketer and magnetic sales super star? Then, I'll see you on page #1...

Ricarte Rivera is a prominent internet network marketer with consulting clients including American Express, 'The Secret' Teachers Feng Shui Master Marie Diamond, 'Mr. Fire' Joe Vitale, and Dr. John Demartini (only billionaire in the documentary). He has successfully secured Joint Venture deals between Dick Clark's American Music Awards and companies like Overstock.com, Learning Strategies Corporation, and Cyber Sonic's The Home Shopping Network. Ricarte joined Network Marketing in 1998 and has been recognized by his company's president and quoted in "The Leadership In Action" publication as saying: "I've decided to take this business into another dimension." Discovering Attraction Network Marketing has indeed taken the business into the next level. Within the first 48 hours of reading "The Renegade Network Marketer" by Ann Sieg, leads have been pouring into 3 different free squeeze (or lead capture) pages like clockwork. To uncover how Ricarte attracts unlimited amounts of traffic by giving away a free download visit http://www.ricarterivera.com (No sign-up required)

Understanding Different Types of Insurances For Business Owners

By Orval Cabrera

When starting a business it is important to think ahead and develop a plan for all aspects of your business. This involves taking steps to ensure the protection of your business's assets. Thus, insurance should be an essential part of your start up plan. Insurance allows a business owner prevent or reduce foreseeable/unforeseeable losses; however, there are many forms of insurance to choose from. Each form of insurance processes different benefits. Therefore, it is necessary for you as business owner to understand of the different types of insurance in order to decided which ones would be best for your business. The following will provided a brief insight in four different types of insurance: auto insurances, key man insurance, liability insurance, and asset protection insurance.

Auto Insurance

If your business processes any automobiles that are used strictly for work related proposes it is essential to properly protect them. Being involved in an accident with an improperly insurance vehicle can negatively affect you company; therefore, by insuring your vehicle with the right amount of coverage, you can protect your business's assets. Any business should process at least an absolute minimum coverage of $300,000/$100,00. This type of policy means that if an accident does occur, the insurance company would pay up to $100,000 for every person involved up to a total limit of $300,000 for the accident. Hence, this form of coverage would most likely allow you to settle to all injured parties without causes future losses on your assets.

Key Man Insurance

Key Man insurance is a type of life insurance policy that allows a business to insure a person. In other words, this person is an important asset or "key man" to the company and the business would suffer without the person. Thus this policy allows the business to receive monetary aid in the event that the key man dies. The money would allow the business to continue running as the company attempts to locate a replacement or settle any debt that might have resulted in the absence of the key man. This money can be used on typical business expenses. For example, the money gained could be used to fix any problems that might arise on the payroll until a replacement can be hired.

Liability Insurance

Liability insurance is a form of insurance that protects an individual from lawsuits that involves the person being liable due to negligence. For instance, if a customer slips and injures himself or herself in your store due to a puddle of water, liability insurance would provide aid in this situation by paying for any medical bills and prevent a lengthy lawsuit. Liability insurance, also, protects your business on work site as well. For example, you process a construction company and one of your employees, while working on the roof off a house, accidentally drops a hammer on the homeowner's car, the insurance company would pay the owner of the vehicle for the damages.

Asset Protection Insurance

Asset protection insurance is an extremely useful type of insurance. It allows a person to have many different forms of coverage on the company's assets. Usually this functions like similarly to homeowner's insurance in the sense that it typically covers a company's building and all assets within it. However, for those business owners who are working within niche markets, there are more precise policies that can be used. For instance, if you own a restaurant you can protect yourself in the event of a power outage by insuring all perishable items. Thus, the insurance company would reimburse you for all inventories that became spoiled.

In closing, it is vital to try to figure out every possible event that could result in a loss to your business and make sure that you take steps to prevent such losses. By buying the proper types of insurance to protect you company from lengthy and expensive lawsuits that could arise otherwise.

Learn what is the price of business insurance with our fast, safe, and free online forms at http://Better-Business-Insurance.info

Comparing Life & Health Insurance Quotes

By Liza Mathers

None of us knows how much time we have left on this planet. The good news is that your chances of living longer have never been better. Most people nowadays are likely to live to around 75 to 80 years of age. The bad news? You can never forecast when you're going to be hit by a bus or succumb to a mystery virus.

So you should always make sure there is sufficient life insurance and cover against your succumbing to a serious illness or losing your livelihood that you can provide for your family.

So you should always make sure there is sufficient life insurance and cover against your succumbing to a serious illness or losing your livelihood that you can provide for your family. Life insurance won't replace you, but it will replace your money-earning capacity.

As well as buying life cover, you can purchase critical illness policies that pay out a lump sum if you have a serious illness, such as a heart attack or cancer, and survive for a month. Some policies also pay if you die during the policy period. The same huge range of prices exists, so never, ever go for the first quote you get.

Some policies, known as permanent health insurances or income protection plans, promise to pay a monthly sum until your normal retirement age if you can't work due to illness or injury. These policies can be expensive, especially for women because insurers think women are ill a lot more often than men.

So how much life insurance should one have?

This will depend upon the factors - your age, the number of dependents you have, your income and your outstanding debts.

People with young families need life insurance more than people in their forties and fifties whose children have left the family home. For a young family, the loss of a parent could mean that the surviving partner must try to maintain the family's standard of living for 18 years or until the youngest child becomes independent. So a realistic level of life insurance cover is a must. For parents in their forties and fifties protection is still important, although cover does not have to be so extensive.

The more dependents you have, the more cover you need. However, insurance bought to cover the cost of bringing up your children should be timed to end when they become self-supporting, usually at 18.

The level of replacement income your partner will need if you die will be an important factor when determining the amount of cover required.

If you die, it is imperative that your surviving partner is not left with a financial millstone such as a large mortgage. Life insurance should clear such debts in the even of your death.

If I take out life insurance, will I need to have a medical?

Not necessarily. You may be asked a few medical questions when you complete the insurer's application form. If the insurer needs further details, it may consult your doctor or ask you to have a medical. If you have suffered from illness in the past or are excessively overweight, your premiums may be increased to reflect the greater risk you represent to the insurance company. In some cases an insurer may refuse cover altogether.

Liza Mathers writes for Seek4finance. Our visitors can apply online for a range of personal finance, solutions including personal loans, mortgages, credit cards, savings, current accounts and insurance. Visit http://www.seek4finance.co.uk today.