Category Archives: Trends

Bringing value to the table

A recent post on Copyblogger titled  The Difference Between Salad and Garbage zeros in on the value an insurance agent can bring when helping  people make wise buying decisions. By becoming a specialist, you change the relationship you have with your prospects. All of a sudden you’re an expert who provides a valued service instead of just another salesperson.

Here are some additional points to  consider to help you position yourself as a knowledge broker instead of just another salesperson and, in turn, build a relationship with your prospect and customers, so that you become the go-to-person for answers regarding insurance issues.

  • Create a professional website with valuable content.
  • Use email to reinforce the relationship
  • Consider starting a blog, which you update on a regular basis.

The goal is to demonstrate the value you can bring to the decision-making process.

Rethinking Social Media for Insurance Agents – Put Down the Bullhorn and LISTEN!

It seems everywhere you turn, industry experts are telling insurance agents they should be using social media. “You should be blogging”. “ Are you tweeting?”. “Start a Facebook group for your agency.” This focus on broadcasting your message completely misses the point of social media.

Let’s face the facts: with very very few exceptions, daily updates from insurance agents simply aren’t something that interests the typical policyholder. Unless they’re buying insurance or having a problem with their policy, they don’t want to hear about insurance.

We believe agents should turn social media around. Stop talking about yourself and your business, and use it to get to know your customers and their business. Twitter, it turns out, is a terrible tool for promoting insurance but a fantastic tool for listening to your customers and prospects.

So we’re going against the herd with our advice: Agents, stop tweeting. Retire the blog. Nobody cares besides you. Instead, retweet your customers. Follow them, reply to them, engage them around the things that they’re interested in. Help them make connections. You’ll get to know them better, you’ll show them you’re interested in their needs, and you’ll develop a relationship that goes beyond “the insurance sales guy”.

8 Reasons Why You Shouldn’t Have a Blog on Your Agent Website

Blogs have become the rage among insurance agents with websites. With the rise of blog popularity among insurance agents, most likely you heard many reasons why you should start one. You may have heard that blogs help with SEO, they get your site indexed more quickly, and they give you a place to generate new content with diverse messaging.
For all of the reasons to start a blog, insurance agents should still think twice before adding one to their insurance website. Why? Here are eight reasons:
They are a LOT of work. True, blogs are easy to launch. But to keep a blog fresh, you must continue to add content. This means adding new posts on a regular basis. Otherwise, your blog will quickly go stale and look abandoned.
Blogs take your attention away from selling. Every minute you spend on your blog is a minute you aren’t spending with a prospect. If you have leads to contact or quotes to follow up on, they should always come first.
Nobody’s going to read it anyway. Let’s be honest. Your customers don’t want to keep up to date on the latest musings of an insurance agent, and they really don’t want to know the minute details and inner workings of the industry.
You’re an insurance agent, not a writer. Writing is hard, and reading bad writing is even harder. Unless you are a pent up writer, masquerading as an insurance agent, chances are good you are stretching yourself in the wrong direction with your blog.
A blog isn’t going to make or break you. Lots of other things will. A blog might be a cherry on a sundae, but until you’ve got the complete sundae, you can do without. Do you have good inbound links? A high-quality insurance website? A watertight process for follow-ups? These, and many other things, should come first.
Your point of view isn’t original and compelling. With all of the professional writers and bloggers online, there’s a good chance someone else already wrote the blog post you’re thinking about, and they probably did a better job.
Blogging isn’t a quick fix. Even if you have a great blog, you aren’t going to see results for months. Even then, it will begin with a trickle and grow very slowly. If you’re looking for leads today, look elsewhere.
Typos and bad grammar make you look unprofessional. If peoplle dont think your professional, they are’nt going to buy from you. Unless you writing is flawles, theirs a good chance it will hurt you more then help you. (See what I mean?)
So before you jump on the blogging bandwagon, take a minute to consider the downside. It’s not often talked about, but it’s definitely there. Is your insurance agency really ready to jump on the blogging bandwagon?

Blogs have become the rage among insurance agents with websites. With the rise of blog popularity among insurance agents, most likely you heard many reasons why you should start one. You may have heard that blogs help with SEO, they get your site indexed more quickly, and they give you a place to generate new content with diverse messaging.

For all of the reasons to start a blog, insurance agents should still think twice before adding one to their insurance website. Why? Here are eight reasons:

  1. They are a LOT of work. True, blogs are easy to launch. But to keep a blog fresh, you must continue to add content. This means adding new posts on a regular basis. Otherwise, your blog will quickly go stale and look abandoned.
  2. Blogs take your attention away from selling. Every minute you spend on your blog is a minute you aren’t spending with a prospect. If you have leads to contact or quotes to follow up on, they should always come first.
  3. Nobody’s going to read it anyway. Let’s be honest. Your customers don’t want to keep up to date on the latest musings of an insurance agent, and they really don’t want to know the minute details and inner workings of the industry.
  4. You’re an insurance agent, not a writer. Writing is hard, and reading bad writing is even harder. Unless you are a pent up writer, masquerading as an insurance agent, chances are good you are stretching yourself in the wrong direction with your blog.
  5. A blog isn’t going to make or break you. Lots of other things will. A blog might be a cherry on a sundae, but until you’ve got the complete sundae, you can do without. Do you have good inbound links? A high-quality insurance website? A watertight process for follow-ups? These, and many other things, should come first.
  6. Your point of view isn’t original and compelling. With all of the professional writers and bloggers online, there’s a good chance someone else already wrote the blog post you’re thinking about, and they probably did a better job.
  7. Blogging isn’t a quick fix. Even if you have a great blog, you aren’t going to see results for months. Even then, it will begin with a trickle and grow very slowly. If you’re looking for leads today, look elsewhere.
  8. Typos and bad grammar make you look unprofessional. If peoplle dont think your professional, they are’nt going to buy from you. Unless you writing is flawles, theirs a good chance it will hurt you more then help you. (See what I mean?)

So before you jump on the blogging bandwagon, take a minute to consider the downside. It’s not often talked about, but it’s definitely there. Is your insurance agency really ready to jump on the blogging bandwagon?

Refactoring – Making Your Agent Site Run Better

At AgentMethods, we’re constantly making small and incremental enhancements to our software. We test our designs against new browsers, optimize our code to run faster, and add small but important new features. We’re constantly working to make your site better.  It’s just one of the advantages of being our customer. Often, these changes are not immediately noticeable, but they give your site better performance, more security, or set it up for future capabilities.

A few weeks ago, Apple released its new operating system Snow Leopard. Customers that bought the upgrade didn’t see much difference in the way the operating system worked beyond a few very minor tweaks. And yet, there was a very big – if subtle – difference. The new OS takes up less space on the hard drive than its predecessor, and most importantly, the computer runs faster.

l19f_snow_leopard_cubRather than focus on new features, Apple decided to focus on refactoring existing ones. Refactoring is the development process of rewriting code to make it run better, be more flexible, and take up less space. It’s essentially an optimization process that removes bad code and sets the software up for future growth and benefits. Apple now is set up to add complex features and enhancements much more easily because they don’t have to worry about the foundation they’re building on.

When you hire someone to build a custom website, refactoring is a subtle but critical benefit that you miss out on. Unless you’re willing to pay to have existing features redone, there is little chance your developer is going to go through and improve on what already works.

Unfortunately, the consequences of not having someone keeping track of these things ‘behind the curtain’ can be very bad. For example: if you’re running Wordpress and aren’t monitoring your install, you’re exposing yourself to security risks. Just this week, WordPress announced that there’s a security threat affecting certain versions of its software. If you’re running these versions, either you pay to have them upgraded (it can get tangly if you’ve got any customizations) or risk having your sitehacked.

If’ you’ve got an AgentMethods site, you’ve got nothing to worry about. We’re already on it. If you don’t, you’re on your own!

Insurance Agents: What’s Your Survival Plan?

Your customers are moving their insurance shopping online, and nationwide online brokers are ramping up to meet them. This happened in the travel industry between 1996 and 2006. Let’s look at what happened to that industry:
before after

(source: www.travelagentsrule.com)

As you can see, it wasn’t pretty. Airline tickets commission rates got cut in half and then all but disappeared. Travel agents that focused on the commodity transaction of selling airline tickets aren’t in business anymore. If you’re an insurance agent focused on transactions, prepare to see the same fate. If you want to survive, you’d better be developing relationships and adding value beyond giving out “free quotes”.

So what’s your survival plan?

Health Insurance Related Searches on the Rise as Traffic to Insurance Provider Websites Plummets

Internet tracking firm Comscore released some very interesting numbers this week related to traffic to major insurance carrier websites, large online brokerages, and insurance related keyword searches. The major carriers saw their traffic decrease by as much as 29% over the past year (for UnitedHealth Group) while many online brokers and information providers saw their traffic more than double.

The reason why may be found in a dramatic change in search keyword frequency: the term “COBRA” has seen a 176% increase between June 2008 and June 2009. As unemployment pushes toward 10% and healthcare costs continue to rise, consumers are turning to the Internet to research their options.

Health Insurance Sites
June 2009 vs. June 2008
Total U.S. – Home/Work/University Locations
Source: comScore Media Metrix
Total Unique Visitors (000)
Jun-2008 Jun-2009 % Change
Total Internet : Total Audience 189,873 193,896 2
UnitedHealth Group 4,510 3,198 -29
Aetna Inc. 2,146 1,890 -12
WellPoint, Inc. 1,780 1,586 -11
Kaiser Permanente 1,560 1,578 1
Cigna.com 1,172 944 -19
eHealthInsurance.com 842 930 10
USInsuranceOnline.com 386 844 119
AssurantHealth.com 72 253 254
Growth in Selected Health Insurance Search Terms*
June 2009 vs. June 2008
Total U.S. – Home/Work/University Locations
Source: comScore Marketer
Search Term Unique Searchers
Jun-08 Jun-09 % Change
COBRA 24,292 67,157 176%
Affordable Health Insurance 38,833 54,919 41%
Apply for Medicaid 20,952 42,668 104%
Health Insurance Quotes 28,253 40,834 45%

So what does this mean to agents marketing online? We believe agents should be doing several things to address this change:

  • Understand what your prospects are looking for and update your site’s homepage with appropriate content to address their needs.
  • Be a source of reliable information for your customers. Engage your current customers so you, and not eHealthInsurance, are their first call.
  • Review your site content and make sure that you are properly optimizing your page titles and headers for relevant local keyword searches (this is easily done through the AgentMethods Insurance Agent Website Builder).
  • Participate in the dialogue. Reach out to your professional contacts, local publications and blogs with educational content about health insurance choices. This gets your name out there and will get you inbound links.