Normally direct mail and bulk mail E-mail compete favorably with similar cost outlay. The purpose of this article is to evaluate which is the superior means of media. Is it sending out insurance direct mail? If not can it produce better final figures thru Emailing insurance producers. Using industry figures provides a clear winner.

HOW MUCH INSURANCE EMAILING GETS READ? Highly accurate tracking examines the wide percentage differences between industries. 40% of emails sent by non-profit organizations, manufacturing, government, religion and art get opened here. The readership slips 1/4th to 30% for education, health issues, retail enterprises, and photography. Now check this out. Here is where emails being read slips to a dismal rate of only 20% for e-commerce, publishing, media advertising, technology, and INSURANCE.

HOW INSURANCE MAIL GETS OPENED & READ For an oversized postcard, or a letter in an envelope, these two formats perform the best. If the list is not highly selective, and the message is average, the rate will be 14%. Using a professionally quality targeted insurance direct mail list jumps the figures. Also a better letter covering all the key areas factors into this. Now you have a readership percentage between 20% to 25%.

ADJUSTING THE FIGURES. Using insurance email lists are very risky. You never see the list of who is being mailed. It does you no good if an Allstate agent, or licensed home office person receives your email. Their curiosity got them to partially read your message. Therefore, the actual figure would be lowered to at least 15%. Now this figure also assumes all the people receiving the message are 100% insurance agents. Something we have Never seen in a list promoted on the internet, with a guarantee.

NICHE MARKET Annuity, health, and life products sold by agents currently are an overlooked internet niche market. Agents are only interested in selling additional products when it directly benefits them financially. However, only 20% of insurance marketers and recruiters have a personal website. Of these only half, have their site designed solely for the purpose of attracting new agents. This creates a frustrating situation for an agent seeking a product provided by a qualified marketer.

Therefore, the internet as a viable source can be eliminated. This leaves insurance direct mail and insurance agent emailing as the top contenders. Emailing projects reach 14 to 15% of your list being read by some kind of agent. Utilizing direct mail increases the readability to 20 to 25% when using a quality agent list.

COMPARE THE LEAD TO COST FACTOR With all expenses combined it averages costing $35.00 to produce a targeted insurance agent lead. In turn, applying similar comparisons to the emailed agents, shows a $45.00 each cost figure for an email insurance agent lead.

EXAMINE THE CONTRACTING RATIO With any style email agent leads, a good contract ratio of 1/3 means you have excellent recruiting skills. Using pre-qualified agent leads from your insurance direct mail show bump up the results. Comparatively it should be 50%. Doing the math on 24 leads, emailing costs $835.00 This same quantity of 24 leads equates to $840.00 on direct mail. Know that it is the agent contracts that ready count. You should receive 8 contracted producers with email. For direct mail that zooms to 12 agents.

Increasing your results by 33% or reducing your money outlay by 33% is great news to successful agent recruiters. When results increase by 1/3, so does your income. Don’t you deserve a raise?

Bookmark It

Hide Sites

One thing that most web aggregator sites do, is generate huge amount of web traffic. Mainly, this is down to search engine optimization techniques and paid for web advertising such as Google AdWords and Yahoo! Search Marketing.

However, there is a third way, which tends to sit under the radar yet drives a huge amount of traffic to these comparison sites. Most of the major players will offer a white labeled version of their online facilities and a revenue share opportunity. Just looking around some of the bigger sites out there, you will find an aggregator of some description powering the money or finance sections.

So how does this help me?

While you may not have a facility such as an online quote and buy engine, you could still provide a white labeled money / insurance or investment sections to a large number of sites.

Sites such as:

* Local interest sites or local information directories.
* Clubs and Associations
* Local Charities and Groups.
* Other local companies - Accountants, Lawyers, Business Services and the like

You could very well have relationships with these organizations already but using the web to do it, means that it is easier to track and shows you very quickly what is working and what isn’t.

The advantages

Most referral business is done on trust between two partners and it has always been a difficult thing to manage as far as a paper trail goes. Now with using the Internet, you can have an online tracking system, and depending how big it grows there are tools that will allow partners to login and check stats and commission due, all without your involvement.

If you haven’t done so already, provide your current partners with their own landing pages so they can promote these pages to their members. After all it is in their best interest as they will earn more revenues. You can even make the landing page look like a page on their website.

A Win-Win

Their site gets more content, as well as, additional revenue streams and you get more business with an easy to manage solution.

Provide marketing materials such email shots, web copy or even issue a joint press release promoting the new service or partnership (You could have a template of something built in advance.).

Make sure you mention these partnership opportunities at your networking events, so not only are you promoting your business but also offering a business opportunity. Even add it to your business card. Have a page on your site with more information about your partnership program.

This is a great way to dominate a local marketplace. Just like the aggregators have tied up most of the major online portals, you could be doing the same at a local level.

Summary

There is still large number of untapped groups and sites out there that will benefit from a relationship with an IFA, insurance or mortgage broker. Promoting and running an online partnership program is a good way to drive more business and build new revenue streams. The beauty is that the work you do once in building the system (the content, the advice for promotional and the marketing materials) can then be rolled out to any new partnership arrangement quickly. You can even have this in a password protected area on your website so it can be automated entirely.

Bookmark It

Hide Sites

Jewelry is an important ingredient of our life. Here I would like to share my views about various forms and fashions of jewelry. The trends keep changing but always for the better.

Gold costume jewelry is a bit that has fascinated roughly one and all on this globe and the lone object that will in no way slack its rage. Prices of gold jewelry continue bombarding up day by day but have slight consequence on the fascination of buying it. Gold is acknowledged to be purest form of metal and has made an enormous gist in our lives from the time when it was revealed. One of the most practical reasons behind gold being most frequently used in jewelry and stuff is that it does not retort with the human skin whereas supplementary metals do. Purest gold besides with silver and diamonds are collectively used as jewelry. An added excelling attribute of this yellow metal is its capability to figure up as preferred and still being sturdy. This enables the goldsmith to whittle gold into dazzling designs. Karat (K) is the constraint with which the clarity of gold jewelry is patented. 24 K is the purest form of gold. Pure gold is assorted with a number of other metals to make it further hard-wearing. In various cases just a varnish of gold is also used to make artificial jewelry appear comparable to gold jewelry.

Gold jewelry is also well thought-out as fortunate and is very universally used as a gift to the near and dear once. Buying gold though requires a scrupulous learning. So many new designs keep varying the trends and it’s hard to opt from. Keeping limpidness as well as variety into concern, most people buy gold jewelry only from apparent close by stores and reliable sources online.

Another most common ingredient of jewelry is Diamonds. Diamonds are one of the most gorgeous possessions in this globe and can intrigue nearly each person. Diamonds are expensive but still they are bought and sold on an incredible velocity. This can very well verify the connotation of diamond jewelry in our lives. Everyone in particular females has an allure for diamonds and consequently somebody extremely appropriately said that diamonds are women’s top associates. Diamond jewelry lift a sagacity of unexplainable exhilaration and just a peep of a diamond can fetch a smile. Diamonds are well transformed into jewelry by craftsmen and that further amplifies its grandeur by countless folds.

Diamonds are pricey and are not gettable for all segments of society but their appeal is such that they can’t go unnoticed at all. On weddings and alike exceptional junctures, diamonds play a chief component. Gifting of diamond jewelry to someone close to your spirit has been a long lived practice. Diamonds are stunning, high-priced and enduring. Precisely talking diamonds are the hardest probable structure of stone. But who cares what unerringly it is, till the time it augments the attractiveness of your near and dears.

While buying a diamond one have to think about all the sources to make certain that you get the finest designs alongside with cleanness and that too at fairly fewer prices. There are loads of trusted trademark names that deal in diamond jewelry. One must put exceptional importance on factors like shade, mass, lucidity and caret of the diamond you obtain.

Bookmark It

Hide Sites

To find the right cheap body jewelry, purchase them only from reputable stores and outlets. Be sure to read the packaging for the materials used on cheap body jewelry as well as any indication on the quality control measures that have been put in place to ensure that the piece of body jewelry you are about to purchase is something that will not compromise your safety.
The body accessory market is already flooded with fake body jewelry of various designs, make and color. One can easily get the appropriate set of body jewelry for a specific occasion or event. And if you play your cards right, you might be able to pull it off. This fake body jewelry is amazingly believable. Some attaches to the right portion of the skin so well that they won’t come off even if you pull them lightly.

At any rate, materials like sterilized stainless steal can be used which makes for cheap body jewelry as opposed to precious and semi-precious metals like silver and gold. In this case, even if you do not use precious metals and you use cheap body jewelry, you can be assured of continued safety from complications regarding your body piercing.

It may sound like a very tedious and meticulous job to closely inspect cheap body jewelry before purchasing them, but remember that body jewelry becomes a part of your body when you wear it. In this case, it is importance to maintain the proper controls and hygienic practices. This however should not deter you from purchasing cheap body jewelry. Just be more wise in choosing the right cheap body jewelry that fits both your style and budget and you can be assured of a carefree enjoyment of fashion tempered with the right sensibility.

Non-pierced jewelry can either be attached through the use of magnets, springs or by clipping. When using magnets, the body ornament will be equipped with thin magnetic studs which are commonly washable. These backing magnetic studs are placed on the inside of the lip or at the back of the earlobe.
The other piece of the body jewelry is then placed over the area of the magnet on the other side. Because manufacturers of fake body jewelry use strong magnets, the magnetic studs are strong enough to keep body jewelry in place giving the illusion that the lip, ear, noses, etc are pierced.
Another good fake body piercing jewelry design is the use of spring hoops in rings. The springs allow the nose, lip, ear or belly rings to be attached and removed quite easily.
This is a good alternative if you don’t want magnet equipped jewelry on your face. Spring-action rings also cause little or no discomfort at all unlike actual piercing which can cause itchiness or inflammation depending, of course, on the person’s body chemistry.

Bookmark It

Hide Sites

The idea of body jewelry has come a long way since the post modern preference for ear piercing on women. Today’s generation, believe it or not, much like ancient societies throughout history, have gone to the more extreme multiple piercing of various body parts.

If you ask around, you’ll get a lot of different opinions about body piercing, both pro and con. Many people use piercings to help express who they are and what they’re about, completely endorsing this type of adornment and what they endorse. However, you’ll also get people who are completely against body piercings and couldn’t imagine who in their right mind would allow something to be permanently placed through their skin. Although both sides seem to have valid points, the reality is that many of the piercing holes will close up as long as they’re not made too large.

Body piercing, the process of puncturing your skin in various locations and placing a metal jewelry adornment through the hole is a very ancient statement. Even today, many indigenous cultures practice body piercings for both adornment and as a status symbol. Though there has been a recent resurgence in native and tribal body piercings, most modern body piercings are done as purely a form of adornment.

So, should you get a body piercing? The answer varies greatly from person to person, but regardless of who you are there are a few things to consider. Answering these questions honestly and openly will help you realize whether or not body piercing is right for you. Are you particularly attached to a certain image that means something to you, or do you want to get a body piercing merely for the sake of getting a body piercing? Most people who are satisfied with their body piercings years on down the road are happy because they have made this decision not because of peer pressure but is something meaningful to them personally. Can you see yourself with the same body piercing when your seventy-five years old? It’ll probably still be there.

Since a body piercing is permanent, don’t just waltz into the nearest body piercing parlor, look at the flash in the case, and pick out something you like. Though this can be a good technique for getting ideas, there’s no rush to get it done immediately.

One final thought about body piercing is that it can cause some unexpected side effects. Do you think it will matter to your future significant other that you’ve pierced a certain part of your body? Understand that this decision “may” limit your choice of partners at least a little.

Next up on the unintended consequences list is that body piercing can dull the senses of the pierced body part. This may not be important today be understand that the decision is long term — lifetime — and losing sensitivity in private areas can be something that might be missed later in life.

Lastly, there’s the issue of loose stools. That’s right, we’re talking about leakage. A couple of piercings usually are not a problem but if you tend to go all out and get quite a few, the risk of anal leakage goes up with each piercing. The reason is that the metal from the piercings tend to leach into your body and increase the level of certain heavy metals. Nickel is especially prone to this effect and can cause leaking anal problems

Although the problems are something to consider, if the desire to have piercings for the right reasons continues to interest you, then take a deep breath and go for it.

If you have an image that you’re attached to, decide where you want it on your body. Most people who get body piercing ed, even those with large body piercings covering their arms, legs, or back, will avoid getting body piercings on their hands, neck, or face, due to the fact that many employers frown on body piercing and because body piercings which are always visible can make it tougher to get hired at certain jobs. Think of how visible you want your body piercing to be; should it be seen when you’re wearing short sleeves? What about shorts?

Finally, make sure you get body piercing ed at a respectable body piercing parlor. All of the needles should be sterile, as should the general working conditions. Be picky about your artist as well, view his or her portfolio and see a sketch of your design before getting inked, since you should be 100% happy with your body piercing.

Bookmark It

Hide Sites