Do you feel like your healthcare cost keeps increasing every year? Health care premiums have more then doubled since 2001 and are expected to increase another 12% in 2011 for employees. With the new healthcare reform children are able to remain on their parents plans until they are 26, this can add up to 2.4 million children. Positive effects from the reform, including savings won’t be noticeable for years to come, until them we can expect premiums to continue to increase year over year.

In today’s world there are many things that have changed in a advertising sense. One of the largest changes that has happened is in the way in which advertisers advertise towards women. There are more women in the career role, running a business and buying high priced items for their home. I found this article on Phoenix Business Journal very interesting. For instance, they stated:

*Women business owners spend $1.5 trillion on business purchases.
*In today’s world, age is less important than life stage, e.g., 60-year-old women are dating, 50-year-olds are starting new careers and 40-year-olds are having children.
*Women purchase (or influence the purchase of) 85 percent of all consumer goods including automobiles, investments and computers, which were traditionally viewed as male-domain items.
*Advertising that makes a woman feel uncomfortable about her looks or health will have a hard time reaching an audience willing to purchase its product.

More businesses are realizing these facts and starting to adjust how they market their products online, through television, and print media. In previous years, selling your product or service was something you had to appeal to a man, however as we can see things are changing.
With the Leadpile Lead Exchange we deal with all sorts of lead types and all sorts of demographics of consumers and advertisers. The key for our marketplace to be effective is not only diversify what lead types we are working with, but also understand that publishers doing effective marketing to generate the leads is really important. To do effective lead generation, you must know details about the product and service you are generating leads for, AND you must understand who are the potential people you need to attract in this market.

How many of you have been approached to get a life insurance quote from your insurance agent? Let me guess, you said I am too young to buy life insurance. Any successful life insurance sales person will tell you the key to life insurance is really “understanding” it. There are a lot of misconceptions out there regarding life insurance. There really are a lot of specific reasons consumers take out a life insurance policy, besides just to “be covered” when they pass away.

1. Business owners can take out policies to take care of their key employees, so the business can run smoothly if the business owner passes away. Is the deceased person’s spouse really going to be able to run the business if they passed away? Probably not.
2. Spouses take out a policy to cover their spouse so they can try and maintain a similar lifestyle, if their spouse passes away.
3. Some take out policies for a short period of time to cover loved ones, because they took out some extra debt and they want their beneficiaries to not incur this debt if they pass away.
4. Some take out a life insurance policy because they want to have their loved ones to not have to take care of paying for their burial expenses.

Overall, there are so many reasons why a person has to consider taking out a life insurance policy. The most common types of life insurance policies are whole life and term life.
Whole life insurance generally is more expensive because it generates cash value, and it remains with you till you pass away. However, term insurance is an insurance policy that generally lasts for 10,20, or maybe even 30 years only. These policies expire at the end of their designated time frame. Unfortunately, if you take out a policy and then cancel it or don’t pay, it can expire and if you wanted another one, you then will be rated on the age you are now. Buying life insurance at a younger age can have some long term benefits for individuals, because life insurance premiums are based on your age (and health condition too).
According to Yahoo.com, 94% of life insurance that is sold is sold over the kitchen table. This means that most consumers who get life insurance have chosen to get it while meeting face to face with their insurance agent. 4% of consumers feel comfortable getting a life insurance policy over the internet. This is where Leadpile Lead Exchange comes in.
We work with some of the best publishers out there, and they are ready to embark on generating more insurance leads. Not only will we want our publishers to bring in auto and home insurance, we will ask them to bring in life insurance. This is a very important lead type that is a very important insurance for every American. We ALL need life insurance at some level. Just like in any loan you take out… do your research with life insurance. Ask a lot of questions.

Insurance leads can be so targeted.  I’m starting to think its an actual sign up versus just the contact.  Everyone needs insurance, for your car, health, life, and even home.  But the criteria that’s required can be a bit hectic.  In my view all you really need is a contact that is interested, find a solution to helping that client.  Provide a service to consumers looking for insurance. 

Lets talk about car insurance for a minute.  If I can give you ten people that are truly interested in getting insurance for their car does it really matter what make and model? Are advertisers just being choosy where they can make more money or all in all, is it about helping the consumer find the services he/she needs? Let’s bring up health insurance.  Everyone needs health insurance.  When people are going online and they need an agent to assist them with more information so that a comfort zone can be built and they can understand what type of health insurance would work best for them? Is that a bad lead? No, I think not!

A lead, everyone has a different definition.  The true definition is simply a consumer that is interested in the product or service and need your help! So are leads with name, phone numbers, email, and address in a lead exchange a bad lead.  For a lesser price I actually think its a steal! Be thrilled that you can actually talk to someone on the phone. Its better than picking up the yellow pages and aiming at getting yelled at.  Contact is all you need, cross sale, offer a relative of theirs that service as well, make a quality impression that the consumer will tell their friend how helpful you were.  A lead is only as strong as the person working it!

Let’s really look into insurance, we all need it and its a necessity.  Its a healthy part of life.