Top Five Ways to Develop Insurance Sales Marketing

#1: Insurance Sales Marketing Needs to Be Emotional

Financial Sales Marketing Path

People have different ways of approaching things, but we are all emotional creatures. Our reptilian-brain is more powerful than our rational brain so it usually wins out if there is a debate between the two. In order to market effectively, you have to give people an emotionally compelling reason to take action. The people who can attract others into their sphere of influence all have emotional radar. The following is an incomplete list of some of the emotions that you can focus on in your marketing:

Ambition, anger, passion, caution, confusion, curiosity, desire, frustration, expectation, intimidated, overwhelmed, anxious, self-interest, sympathy, sincerity.

#2: Insurance Sales Marketing: Using Video

Most people need more than just words to be emotionally compelled. You can use images, video production, art, music, or graphics to give your practice or agency a marketing edge. Take advantage of a huge opportunity by broadcasting your message with a YouTube channel. You don't need to worry about getting the production of the video to meet Hollywood standards, instead use the video to get creative with how you convey your message personally and emotionally. This is your broadcast so you control the programming. Ask yourself what type of videos you would watch; the answer probably isn't a lecture on finances from someone in a suit.

#3: Financial Service Industry Trends: Social Media

More agents are incorporating social media into their practices, because they understand how much it extends their reach.

Using social media is one of the easiest and most effective ways for people to find out about you. Twitter, Facebook, and LinkedIn allow for another way to broadcast and build your brand, fans, and advocates. To build up your fan page first become a fan of the companies or people that you want in your network (think centers of influence). If you are using your Facebook-Fan page then you can like any number of their posts or videos, comment on them, and repost their material on your page. This increases the likelihood that they will follow you back along with some of their fans. You are also building up your own page and broadcasting a message without any work or time on your end. You should do the same thing when it comes to twitter; the more people you follow and retweet the more followers you will have. The larger your following the easier it is to get people curious about getting more information from you.

#4: Start a Financial Services Website

Most insurance companies will give you a standard-company website with their affiliated-marketing campaigns integrated within. The problem is that these websites don't generate much traffic or represent your-distinct branding (more on that later). People can tell a generic site with slogans from a personal one that conveys unique-selling benefits. Your website should link to your Twitter account, Facebook-Fan page, and LinkedIn account so that you optimize your SEO (search-engine optimization). This will also allow you to automate your marketing campaign, so that anytime you post something on one social-media platform your website will update your other pages. A unique website gives you the very important ability to get subscribers to your newsletters and emotionally compel your prospects to contact you.

A website is worth the investment if you wanted to hire someone to build it for you. It is also very easy to get one up and running on your own, if you can find some extra time. I recommend the middle road if you are looking to save time and money. You can buy a domain name, find a free theme for your site through WordPress.org, and get the site up and running through BlueHost. You will be able to get a web developer to build a site much more economically after you have completed these steps.

#5: Have Your Own Financial Services E-Mail Newsletter

Having a Newsletter allows you to communicate with your prospects and clients so that your calendar stays full. If you have a message that speaks to the emotional states mentioned above and have a call to action for more information you will see a significant increase in meetings.

Automating Your Newsletter

If you can incorporate these five strategies into your marketing, you will be ahead of the curve in marketing your practice. I will be offering some free-examples of marketing copy for you to use very soon, so hurry up and make sure that you are subscribed for my Special Reports.

Deciding Whether You Need Camera Insurance

When searching for camera insurance, all of the different info on the internet can make it a bit confusing. If you are not already a guru, then the descriptions used can seem like some extinct Chinese language. This is the exact reason why I started my camera insurance blog, so that you can find the correct info on camera insurance. Inside you can find information on existing coverage you may have, and what your options are for additional insurance as well.

Homeowners Insurance

With your typical homeowners and renters insurance policies, camera equipment can be covered to an extent (stated in the policy). Usually a HO policy will coverage damage to your personal property which experiences the damage in a covered loss. This applies to both on and off-premises losses. Be advised however that the coverage can be limited based on whether the loss occurs on or off the property. A break down can be found below:

Amount of Home overage - Ex. $100,000

% of Personal Property Coverage (on premises)- Ex. 50%

% of Personal Property Coverage (off premises)- Ex. 5%

Using this guide, we see that a covered loss to your camera while on your property would provide coverage in the amount of 50% of the total home's coverage. If the loss occurs somewhere other than the insured premises, then the coverage would only be 5% of the total home coverage. So be weary of your limits when traveling off your property with your camera.

Limitations for Business Use

If you are using your camera and equipment mainly for business or commercial uses, than your homeowner's coverage may not be enough. The reason is most insurance policies carry a provision which limits coverage for business property. Typically this limitation is $2500 for on premises losses and $250 for off premises losses. With this being said, it is always smart to look into the options for commercial insurance when using your camera for business purposes. See below.

Commerical Coverage

If you do your camera for business usage, then a commercial policy is probably the route you want to take. With this being said, most people obtain a business property policy which covers the property used in connection with your business. Typically I see those persons who use their cameras for wedding photography or freelance work purchasing this type of coverage. Be weary of whether your insurance policy provides coverage on a named or open peril basis as this will determine which losses are covered. Speak with your agent or read your policy to learn more.

Tips to Compare iPad Insurance Policies

When you compare iPad insurance, you need to consider several variables to determine the best policy for your needs. Shopping for insurance can quickly become mind-numbing, so I suggest making a chart of important details so that you can accurately compare the various policies.

One of the items you will want to pay attention to is the excess fee, or deductible. This is the amount of money you will be responsible for if you need to file a claim. If the cost to repair the damage does not exceed the deductible, the insurance company will not pay anything. This is the area that will affect your monthly premium amount the most. Many times you can select higher or lower deductible amounts in order to adjust the premium to a level you are comfortable paying.

A second detail to note is coverage while traveling. If you never take vacations or go on business trips, this may not pertain to you. However, I would guess the vast majority of iPad users will take their device on a trip out of state or out of the country at least once in its lifetime. If you do not have travel coverage, you could be out of luck if an accident happens during your trip. Because of this, most policies have at least some travel coverage as a standard offering. If not, be sure you get the coverage added before signing up.

The third thing you should check is that the policy will cover all types of damage to your iPad. Most cover water and physical damage. Although I have seen a few that specify 'malicious' damage so it would be in your best interest to ask any questions upfront. With the news lately, you will want to be sure the policy you choose covers manufacturing defects as well. Sometimes these defects will not appear until after the factory warranty expires. Again, without that coverage you would be out of luck if that should happen to you. That is why it is very important to check these details before choosing your insurance provider.

Lastly, ask about the company's replacement program. If they cannot fix your iPad, how fast can they get you a new one? I have seen some providers that promise replacements as fast as 48 hours. Additionally, if you travel a lot be sure this replacement program will extend to wherever you intend to travel. You don't want to be away from home and find you can't get your iPad replaced until you get back!

Hopefully these tips will help you as you compare iPad insurance. By making a chart and filling in the specifics of each policy you will be able to quickly determine the best choice for you. You can find the best balance of price, travel coverage, damage coverage, and replacement time. Once you have your device protected you can fully enjoy its power without worry.