It’s Time To Get To Work! Insurance Industry Expecting Increase in Jobs and Sales

The insurance industry is on FIRE! While many industries are struggling with job growth, the insurance industry is not only expecting to see a growth in revenue but an increase in job opportunities.

This is a great opportunity for anyone who is out of work, just graduated college or even high school to land a career that could yield a six-figure income.

The Insurance Journal reported that 54.5 percent of companies said they intend to increase staff, and 77.4 expect to experience a growth in revenue.

The Mid-Year Insurance Labor Market Study also found that if the insurance industry follows through with their plans that there will be a one percent increase in industry employment in the next 12 months.

In fact, this is the third straight study that has noted that the primary reason to increase staff over the next year is due to increases in business volume.

Due to the recession and subsequent stock market crisis, many people lost heavily on stocks, making whole-life insurance policies look like better financial options for their family. That has created an opportunity for insurance companies to sell more insurance, thus driving the need for more agents.

LIMRA reported that the number of U.S. life-insurance agents affiliated with a specific company today is down nearly a third since the 1970s, to 174,000, which leaves plenty of room for new employment opportunities.

“As the more than 7.83 million Baby Boomers parade toward age 60, life insurance will become in demand from this generation, as they will be focused on taking care of their Generation X and Generation Y family members,” noted about the expected increase in life insurance productivity.

The life insurance industry is a great option for anyone that wants to be out in the field, meeting people, building teams and have the ability to earn a six-figure income. As the insurance industry is experiencing an upswing in productivity, the key to success will be catching and riding that wave.

If you want to work with insurance carriers like ING, Baltimore Life, Fidelity and Guaranty, Mutual of Omaha, and other companies with “A” class ratings or above from A.M. Best, which is the top financial rating company in the world, act fast and start building a business with a foundation stronger than ever.

It’s time to get to work! Don’t let this employment wave pass you by and miss an opportunity for financial freedom!

Maximizing Your Personal Injury Case – The Importance of a Post-Crash Journal

Keeping track of each day following a truck, motorcycle, or car crash is extremely important. If you want to maximize your personal injury claim, you should keep records in a daily diary. Most personal injury cases do not settle or go to court for months after the accident. No matter what types of injuries you may have stemming from the crash, you probably won’t be able to remember the detail of each day leading up to settlement. A daily journal is the most effective way for an injured party to communicate how badly they are suffering, and how their treatment is progressing. Attorneys, car insurance companies, judges, and juries may be able to review your daily journal to get a sound understanding of what all you have gone through since being a crash victim.

Your journal should keep record of each of the following:

  1. The date that you first experienced pain, and when that pain intensified or decreased.
  2. The type, location, intensity, and duration of your pain.
  3. Any physical or mental restrictions that you now have because of your injuries and pain.
  4. Any medications you have taken or that you are taking because of your injuries and pain.
  5. Any doctor’s you have treated with (doctor’s name, address, and phone number).
  6. Dates of doctor or healthcare provider treatment and type of treatment.
  7. Any activity, hobby, or work related duty that you can no longer perform because of your pain or injuries.
  8. Any dates that you missed work because of accident-related injuries or pain.
  9. Any updated photographs of the healing progression of your injuries.
  10. Any significant changes in relationships as a cause of your pain and injuries.

It is important to keep track of when you first started experiencing pain, and the type of pain you were having. There are several types of injuries that don’t come on until several days after a car crash because of swelling, contusions, and adrenaline. Therefore, keeping track of how and when an injury developed can be beneficial to an attorney, insurance adjuster, and a doctor. Similarly, keeping track of the type and intensity of pain you are experiencing is important to classify your injuries by seriousness.

If you have mental or physical restrictions because of your injuries, your journal is a good place to describe those restrictions in detail. Also, keeping track of the accident-related medications that you are taking, and even saving receipts from those medications can be helpful. The portion of your diary where you keep track of the doctors, hospitals, physicians, etc. that you have treated with is extremely important. Insurance companies and attorneys will both have to order medical records and bills and make sense of your treatment with each medical provider. You will expedite your case by making notes of the dates that you treated with each provider, and of the provider’s contact information.

Any time that you had to miss work due to your injury should also be notated in your journal. Likewise, any activity that you were able to perform before the crash that you can no longer perform should be recorded in your diary. Photographs of injuries, daily thoughts and feelings, and changes in relationships can also be recorded in your diary. Ultimately, keeping a diary after a car accident will be a huge help to doctors, insurance companies, and attorneys.

Creating an Insurance Advertising Strategy

Marketing Tips to Advertise Your Insurance Agency:

Which Mediums are Best for You? The marketing of your insurance agency is a time consuming and expensive process and it takes an extraordinary amount of effort to coordinate this function. In order to accomplish and gain recognition in this fast and competitive world we live in, you will find more companies trying to find ways to increase their brand to gain that competitive edge. You know the old saying, “you have to spend money to make money.” So don’t fall by the wayside. To try and help you determine the best advertising medium for your insurance business we will help show you the most common types of marketing and give you an explanation of each. Most importantly, before we go into showing you the ways to market your insurance agency you need to think about what your budget is and start from there. As you know, different mediums of advertising all come with a price. Your Target Market: What types of vehicles of insurance do you offer? Do you offer health insurance, auto insurance, life insurance, homeowners insurance, etc? What is the age group of your target market and who exactly are you looking to offer insurance to? These questions and more you need to determine before opening up your wallet. Below are some effective marketing tips for your insurance agency.

1. Block line advertising in industry publications or trade journals: Many companies like to advertise in the same areas, so you need to be there. Since insurance companies are always looking to find new agents to join their company, they know that many “insurance agents to be” are reading these particular journals and periodicals. As with television and print ads, you’ll most likely want to consult with or hire an outside advertising agency to help you build a campaign that best suits your agency and the insurance products you sell. The cost can vary depending on the kind of style of ad you want to create. A great way to be found is by having “reverse type” in your ads. Meaning you would have a black background with white writing, which gives you ad some pop. If you prefer and have the money to do your ad in color, that is even better. Typically the cost of block line advertising is very cost effective and you have the freedom to dress up the ad as you wish.

2. Business opportunity advertising: Think of local newspapers such as the Wall Street Journal, New York Times, Chicago Tribune, etc. This is a very effective way to advertise and market your agency, since your company needs to build brand name recognition. The online version of the Wall Street Journal has over 4.5 million visitors. Now that’s a big audience.

3. Television Ads: The most obvious and expensive forms of advertising is the television. Americans are glued to the television and you can find plenty of statistics that will show evidence of that. The average cost of a 30 second commercial is roughly $350,000. You can find local TV ad spots for much less, so shop around.

4. Local Movie Theatres: A local audience and a family type atmosphere is a great way for marketing your insurance business. Many types of insurance come into play here when you and the family are out watching the movie. Think insure your life, insure your auto, insure your health, etc. All these things come into play when parents are out with their kids. Make your ad suited for this audience. Typically these ads come up when you are sitting in your seat waiting for the movie to start. The ads you see are effective as people are constantly seeing your name out there. In 2007 Hollywood drew in over 1.44 billion admissions.

5. Direct Mail Advertising: There are companies out there that will do direct mail pieces to parts of your geographical area. A 10,000 piece mailing to your target audience could cost anywhere from $3,000-$10,000, depending on what company you use.

6. Advertising outdoors: Transit systems, bus benches, neon and electronic signs are becoming a great way for the agent to advertise. This is affordable, unlike television ads. And this targets the exact audience as most insurers provide insurance services to their local area.

7. Stationary advertising: A very great way of advertising is right through your business stationary and supplies. A nice way of showing good faith is to give your customers a pen with your office name and contact information. Another way of creating some repeat business is through magnet advertising. They can stick to your refrigerator. This goes a long way especially when people have gatherings for family and friends. You need to constantly be in the spotlight no matter the situation. The cost of stationary and supplies is a fraction of the price you will receive down the road from your potential customers. Other items that may apply to you could be, coffee cups, calendars, and golf balls, just to name a few.

8. Website Advertising: Let’s face it, if you do not have a web-site for your business you really need to think about getting one and fast. With today’s fast paced society coupled with advanced technologies, a website tells customer about you and it a quick and easy reference for customers looking for quotes of any type of insurance such as, homeowners insurance, auto insurance, life insurance and many others. You can easily create a one page webs-site simply with your contact information and maybe a short story about yourself within your community. If are willing to take that extra step and create additional pages, you may want to hire a professional, but for now if you don’t have a website, create one. Even if you have to write it down on paper, at least you have it for a reference.

10. Online advertising: Companies offer zip code exclusive advertising and lead rights such as and, which gives you unique exposure on the web. They offer a local insurance agent directory for their sites visitors. As more and more people are using the internet and searching for insurance, it has become increasingly important in today’s society to be advertising on the internet. 75 percent of households have access to the internet. This is a cost effective way to gain exposure on a national and local level.

Start Building a Game Plan — Once you see the benefits of each advertising medium, stick with what works. Stay within your budget and find the best approach. Finding the best option for you is going to be trial and error, but it will be the difference in building your agency.