Life insurance companies are taking advantage of the Internet by having a website where customers can request free quotes. Even though you are shopping for life insurance, this also gives the agents life insurance leads that they can follow up on, Once you submit a request, the agent that picks it up will send you an email giving you a quote. He/She may follow up on the life insurance leads by making a call to you a few days after you receive the quote.
Making a living in the life insurance business is hard work. Agents have to constantly search for life insurance leads that will bring them in new customers. They make a commission on each life insurance policy that they sell. They don’t usually go door-to-door selling the policies and they can’t just sit in their offices waiting for clients to come through the door. They actively pursue all the leads hoping that some of them will pay off. More than likely the quote you receive is the lowest life insurance rates that the company offers.
When you request quotes from at least three life insurance companies, you want to get the lowest life insurance rates. When the agents call based on the life insurance leads you supply, you can barter with them saying you are not interested because you have a lower quote. If they really want your business, the agent may redo the quote and some back with an even lower rate.
Another way that agents get life insurance leads is through other customers. One customer may tell a friend or family member about the great rate he/she has gotten from a company. Then this person gives the agent a call regarding getting life insurance and purchases a policy. It’s like a never ending cycle. One person tells another and that person tells someone else and so on.
If you’re a life insurance agent then life insurance leads are your lifeblood.
