Leads for insurance are not a commodity – something that’s of immense value for every insurance agent.  Leads are the instant money makers and the treasure maps for every single sales person in this line of business.  Exclusive leads are kept secret, used as quickly as possible and provide agents with the necessary income to continue generating new leads.  If you’re trying to get into this business, there’s no way around these leads.  There are already thousands of insurance agents working in the field, all chasing the same pool of prospects.  To really make it in this business, you’ll need to do some serious brainstorming and get your creative juices flowing, because it’s a crowded market out there.

Think about it for a minute.  Yes, you put up a web site, but the leads you get from there are sporadic and often just seeking information instead of leading to a deal.  To keep you business going, you need inquiries that result in sales, and unless you can provide the insurance-seeking individual with the best offer, the client is probably going to close with somebody else who did.  This is a rough business – some call it cutthroat – and leads for insurance are pure gold.  Unless you can come up with a good idea on how you can generate these leads, you’ll have a hard time making this business work.

Now, don’t get discouraged.  Yes, there are huge insurance behemoths out there with their in-house sales team crowding the market place, but you do still have options available – you just have to take the path less traveled.  For instance, you may be required to have a, well, let’s call it an unofficial payroll.  Having a scout at the local mortuary or in an area funeral parlor is one way to get leads.  People who recently have lost a loved one are more receptive to a life insurance proposal than a “just married” couple.  However, the newlyweds might be interested in a life insurance policy for the purposes of securing a mortgage.  Can you think of some ways to find these insurance leads?

Health insurance leads are a bit rougher to tackle, but you may be able to make deals with small business owners that provide better care than the local HMO at a competitive price.  You’ll need to negotiate with businesses and your insurance house, but it could provide you with a unique deal that no other agent is offering.  New home owners also need insurance policies for their homes, including everything from fire insurance to flood insurance, and bulk deals can be very appealing.  See if you can work with a local real estate company or realtor to offer special deals if they get the home buyer to hire you as their agent.

As mentioned, leads for insurance are the Holy Grail for all insurance agents.  Once you’ve generated an exclusive lead, you’re 50% of the way to a closed deal.  And if you can figure out your own personal way of generating these leads, you’ll be off to a great start in this business.