• insurance news

    Mt. Logan Re insurance vehicle

    Best insurance stock – Mt. Logan Re, Ltd insurance vehicle : Another reinsurer is taking its first step into the third-party capital asset management arena by launching a vehicle dedicated to attracting investors capital to put it to use underwriting collateralized reinsurance business. Bermuda based Everest Re Group Ltd. announced the formation and launch of Bermuda domiciled special purpose reinsurer Mt. Logan Re, Ltd.  with $250m of raised capital at the end last week.

    Everest Re has itself provided $50m of capital to help get Mt. Logan Re off the ground and have attracted around another $200m of third-party capital from investors reaching their initial target capitalisation of $250m. Mt. Logan Re will underwrite worldwide property catastrophe reinsurance business on a fully collateralized basis.
    Joseph Taranto, Chairman and Chief Executive Officer, commented on the launch; “We are pleased to have Rick Pagnani join us as the Chief Executive Officer of this new venture. Rick brings a wealth of experience and is well-known within the Bermuda reinsurance community. Having successfully led prior reinsurance ventures, we are fortunate to have an executive of his caliber join us to launch this new operation.”
    Pagnani has a strong track record in the reinsurance market and also capital markets convergence, making him an apt choice for the role. Most recently Pagnani was a Partner with TigerRisk, a broker focusing on catastrophe risk and active in the industry loss warranty (ILW) market. Prior to that he was CEO of Bermuda reinsurance startup Ascendant Reinsurance where the firm focused on catastrophe derivatives, before that he was with Quanta Reinsurance and even earlier major reinsurers Swiss Re and Zurich Re.
    Mr. Taranto added; “For Everest, this vehicle adds yet another tool to our underwriting arsenal that allows us to meet the dynamic demands of the reinsurance marketplace and enhance the returns of our investors.”
    Everest Re are the latest in a growing list of reinsurers who have shown interest in leveraging capital from third-party investors for writing collateralized reinsurance business. Whether in fund or sidecar form launches of these vehicles have always been a feature of the convergence market but 2013 looks like it could see more launches than a typical underwriting year as reinsurers take advantage of investor appetite for profiting from the returns that can be made from participating in reinsurance and catastrophe risk businesses.
  • Insurance

    Spending Car Insurance and Direct Car Insurance – 10 Things You Should Know Before Applying

    Getting auto assurance online from spending accident protection offices is twisting up progressively understood, at its forceful cost, convenience in getting refers to and applying on the web particularly. Having auto assurance is central for all auto proprietors and drivers, the spurring power in having a by and large cut down cost from organize accident coverage organizations thusly have pulled in monster social occasion of individuals.

    In any case, you may inquire as to why these prompt mishap assurance associations can offer a lower quote than other protection organizations, or if they would have the ability to give sufficient security extension, et cetera…

    Here are the principle 10 things that you should know before applying for an unobtrusive auto insurance on the web.

    1. See whether the Association is Bona fide

    This is the most basic thing that you should know – whether the association is genuine or not – before you apply for anything from them. Web based spending vehicle protection offices are sprouting nowadays and a couple of individuals just manhandled the plan to achieve some unique goals, for instance, getting your own data like full name, Visa purposes of intrigue, address, et cetera, by methods for your online application.

    Finish a broad research online by Googling the name of the online protection office, or output for customer reviews of the association. The key thing is the painstaking quality of your examination, as there can be fraud reviews formed by the cockeyed rascals.

    2. Understanding Degree of Insurance Extension

    The majority of the ‘principal’ packs from organize mishap scope are to a great degree ‘basic’, which suggests a basic course of action covers the required honest to goodness necessities. That is moreover why the essential cost for these plans can be bit lower than tradition auto assurance outlines. Spotlight on which ‘law’ the insurance configuration takes after. For instance, the fundamental need of auto insurance in law deviates from state to state in the U.S.. Spotlight if you are so far anchored by basic extension in case you are driving transversely finished states.

    3. Understanding Sorts of Security Plans

    Since most ‘basic’ insurance plans just covers legitimate required things, as other assurance outlines, you would have the ability to find stores of ‘extra’ groups available over the central course of action, like broad and crash plans or individual life scope, just to name a couple.

    Ask yourself what absolutely you require and fathom in unobtrusive components if the plans can cover your necessities.

    4. Get Proclamations for all Fitting Extension Plans

    The fiscal inspiring power of a low insurance cost routinely attracts people to go empower into the online application strategy, and simply recognize at a later stage that they need to pay more for extra degree. Guarantee you get refers to for all outlines and total them up, that would be your certified explanation for your auto security.

    5. Get Articulations from Different Spending Auto Insurance Locales Differentiating costs is reliably an insightful speak to clients. When you have a summed-up quote from various destinations, take a gander at their cost and scope and find which suits you the best. Particular spending collision protection office may have assorted wordings in their assurance plans and you should think about that. Continuously end, it is your needs that make sense of which methodology to purchase in to.

    6. Contract Course of occasions and Reclamation Framework

    Most spending security refers to you a ‘month to month’ charge, which looks sensibly lower than a yearly cost. Check accurately if the online accident protection organization would require a consistently booked pay or a solitary sum yearly portion.

    Something different is if the assention is checked month to month or consistently – meaning you need to center if the understanding would be done in multi year or 2 years, and by what method may contracts be reestablished. Would they give you cautioning or the assention reviving, or do you need to ask for it, and if you would be normally charged for an understanding reclamation without observe?

    You should know all these before your money has left your record without observing.

    7. Versatility of the Security Technique

    Extending the secured whole or including new assurance outlines top are continually welcomed by protection offices. Nevertheless, when you have to change to a lower-entirety plan, you may encounter imprisonments or need to encounter caught strategies. Read correctly in the conditions or call the association direct to appreciate the flexibility of the auto assurance before your application.

    8. Wiping out Approach

    Nobody appreciates losing customers and in this way withdrawal system of some security plans can be tedious. Understanding the wiping out game plan is basic, as most plans required multi month’s demise see early, or some other constrainment applies if you have to drop your participations.

    9. Portion Procedure

    By and by you’ve appreciate the unpretentious components of a spending mishap assurance outline and put everything at stake. You should then grasp the portion systems that the protection office recognizes, and if they realize extra organization costs particularly portion methodologies or if you can get extra discount by methods for some portion techniques et cetera.

    10. Cases Procedure

    Check attentive how the ensuring methodology capacities with the prompt mishap scope association before you apply for it. All the time discontents between auto proprietors and protection organization show up when you need to make a claim. You should in like manner center around the available achieving methodologies for a claim or for sincere help.

    In Short…

    Afterall, a spending auto insurance that empowers you to have online proclamations is to a great degree helpful and is monetarily engaging. As a sharp purchaser, you should just to motivate through and through unobtrusive components already you apply for a quick auto assurance on the web. All online direct collision protection organizations have customer hotlines that you can ask for anyway much purposes of enthusiasm as could sensibly be normal.

  • insurance news

    Effective and Efficient Insurance Group Supervision in the U.S

    best insurance stock  – Effective and Efficient Insurance Group Supervision in the U.S : The Property Casualty Insurers Association of America issued the following news release: The Property Casualty Insurers Association of America (PCI) today released a white paper entitled, “Effective and Efficient Insurance Group Supervision in the U.S.: What More, if Anything is Needed?” The document outlines PCI’s group supervision principles and group supervision implementation recommendations.

    This white paper is a product of PCI’s broader efforts to have a positive influence on global regulatory convergence issues. It outlines PCI’s principles and recommendations that should be taken into account by policymakers in any discussions relating to changing U.S. insurance group supervision. This paper will help will assure that the U.S. insurance regulatory system is not undermined and that any group supervision changes promote efficiency and do not simply impose an additional layer of regulation that ultimately harms consumers and the large economy.
    “Group supervision issues arise out of many international work streams, including IAIS ComFrame and US-EU Dialogue,” said Robert Gordon, PCI’s senior vice president policy research and development. “The fact is that current US insurance regulation functions quite well and in our view, adequately accounts for necessary supervision of groups. This is borne out by the excellence performance of the industry despite the financial crisis, natural catastrophes, and years of recession.”  Read full PCI release
  • Travelers Insurance

    Travelers insurance stock outlook 2013

    Travelers insurance stock outlook 2013
    Travelers insurance stock forecast 2013 : Shares of The Travelers Companies closed at $74.95 Monday, trading for 10.9 times the consensus 2013 earnings per share estimate of $6.85. The consensus 2014 earnings per share estimate is $7.06. The shares returned 25 percent during 2012.

    Based on a quarterly payout of 46 cents, the shares have a dividend yield of 2.45 percent.

    Travelers on Dec. 5 announced that its preliminary estimate of losses related to Sandy was $1.135 billion, net of reinsurance. The after-tax loss estimate was $650 million. The company is scheduled announce its fourth-quarter results on Jan. 22, with a consensus earnings estimate of seven cents a share, compared to earnings per share of $2.22 during the third quarter, and $1.48 during the fourth quarter of 2011.

    The company on Dec. 5 also said it intended to resume repurchasing common shares, which it had suspended temporarily after Sandy hit. For the first three quarters of 2012, Travelers reported an underwriting profit of $845 million. For 2011, the company reported an underwriting loss of $745 million.

    Loss From Sandy
    Catastrophe related losses account for about 10% of Travelers total claims and expenses. In 2011, natural disasters like Hurricane Irene and Tropical Storm Lee, led to catastrophe related losses of around $1 billion. The operating margin for the business insurance division fell from 17% in 2010 to 12% in 2011, while the operating margin for personal insurance fell from 6% to a 4% loss.

    The business insurance division reported catastrophe losses of $360 million for the first nine months of the calendar year. Given the estimate provided by the company, we expect an operating margin of around 15% for the fiscal year.

    he catastrophe related losses reported by the personal insurance division through the first nine months of 2012 totaled $450 million. We expect an operating margin around 6% for the fiscal year. For a detailed analysis of the operating margins and the affect of Superstorm Sandy,

    Revenue Growth
    To mitigate the effects of the losses incurred by Travelers due to Hurricane Irene and Tropical Storm Lee, the company had to undertake several pricing initiatives. Insurance rates increased by almost 8% through the first nine months of 2012, but the company was still able to maintain high retention rates, close to 80% in the business insurance division. This allowed a 3% growth in business insurance premiums. Given the company’s historical performance, we expect it to maintain premium growth. However, there are more than 2,500 property and casualty insurers in the U.S. and the highly competitive nature of the market will lead to a slight decline in Travelers’ market share in the coming years.

    Importance Of Investments
    Although Travelers earns just 12% of its revenues from returns on investments, it is important for the company to invest premiums earned. Looking at the 2011 figures, we can see that Travelers earned about $22 billion in premiums and had to pay around $24 billion in claims. The $3 billion it earned from investment income allowed the company to maintain a profit for the year.

    Most of Travelers investments are in fixed maturity securities like government bonds, which account for 85% of the net investment income with a yield of around 4%. However as the Fed has stated that interest rates will be kept low for the next few years, we expect a slight decline in yield in the coming years, with a recovery coinciding with an improvement in macro-economic conditions.

  • Auto Insurance,  automobile insurance,  Car Insurance,  car insurance quotes,  car insurance rates,  free home insurance quote,  health insurance,  house insurance,  insurance adjuster,  insurance information

    Get Cheap Car Insurance Rates

    Chances are that if you are over 25 years of age you can get a pretty good discount on your car insurance. Auto insurance companies tend to give discounts to drivers over the age of 25 because they see them as more mature because of their experience behind the wheel.

    However the best age group that gets excellent rates on auto insurance are senior citizens. Auto insurance companies consider people over 50 years of age as senior citizens. They get the best rates because they are less likely to get into auto accidents or get a speeding ticket.

    If you want to get the best rates possible you should consider combining your home and auto insurance together. Auto insurance providers generally would give insurance discounts to individuals that combine their auto and home insurance together. This helps you save money and also helps you easily manage your bills.

    Another way to get your car insurance rates cheaper is to go online. By going online you have the opportunity to get the best rates possible because you do not have to deal with agents trying to receive commission like those locally in your area. Generally the more information you give the car insurance companies online the more accurate your quotes will be.
  • The Smart Way To Overcome Financial Problems

    The Smart Way To Overcome Financial Problems

    Financial problems can sometimes lead couples fight. Some marriages end because of financial problems. Financial problems that may occur due to the husband or wife who is not smart to manage the family finances.
    In fact, smart managing the family finances is very important that the needs of the present and future can be fulfilled. For that, the husband and wife should be open in managing finances. You and your partner should always discuss all things related to money, such as expenses, income, savings, and so forth.

    While discussing this, you and your partner should also make a deal. For example, to determine what percentage of money to be saved, how the budget is used to pay bills, and so forth. If both of these apply in your family life, then the financial problems most likely will not happen. 

    If the family’s financial problems have occurred, then immediately overcome with friends. Here’s a clever way to overcome the financial problems the family:

    1. save
    Saving not only can you do at the bank, but also in their own piggy bank. You can provide a small savings in the home that can be filled every week. It may sound trivial, but it will be worthwhile for you and your partner at a later time. Unconsciously, the money would be collected so it is very useful if it is necessary.

    2. aside money
    Do not forget to set aside money each month. Money that you can use to have fun with your family, such as a vacation to the sights, go to a restaurant to eat dinner together, watch a movie, and so forth. However, not a lot of money aside each month so as not to be wasteful.
    3. Make a realistic budget
    Creating a realistic budget is important in order to avoid financial problems in the family. Make sure your budget is realistic and can be implemented well. Do not make budget too little until you have to scrimp and lack of enjoyment of life, and vice versa.
  • aig insurance

    Weekly Industrial Alliance (IAG) stock rating prices target

    Weekly Industrial Alliance (IAG) stock rating prices target : A number of firms have modified their ratings and price targets on shares of Industrial Alliance (TSE: IAG) recently:

    •     Industrial Alliance Insurance had its price target raised by analysts at TD Securities from $34.00 to $38.00. They now have a “hold” rating on the stock.
          Industrial Alliance Insurance had its price target raised by analysts at CIBC from $35.00 to $41.00.
          Industrial Alliance Insurance had its price target raised by analysts at National Bank Financial from $30.00 to $37.00.
          Industrial Alliance Insurance had its price target raised by analysts at RBC Capital from $29.00 to $35.00. They now have a “sector perform” rating on the stock.
    •     Industrial Alliance Insurance had its “sector underperform” rating reaffirmed by analysts at Scotiabank.
          Industrial Alliance Insurance was upgraded by analysts at National Bank Financial from an “underperform” rating to a “sector perform” rating.
    •     Industrial Alliance Insurance was downgraded by analysts at Canaccord Genuity from a “buy” rating to a “hold” rating. They now have a $40.00 price target on the stock, down previously from $42.00.
    •     Industrial Alliance Insurance had its “sector perform” rating reaffirmed by analysts at CIBC. They now have a $11.00 price target on the stock, down previously from $19.00.
    Shares of Industrial Alliance opened at 36.40 on Tuesday. Industrial Alliance has a one year low of $20.55 and a one year high of $39.20. The stock’s 50-day moving average is currently $35.05. The company has a market cap of $3.309 billion and a P/E ratio of 10.60.

    Industrial Alliance Insurance and Financial Services Inc. (Industrial Alliance) is a life and health insurance company.

  • Insurance Tips

    Best insurance marketing ideas for agents

    Best insurance marketing ideas for agents
    Best insurance marketing ideas for agents – Here is a list of the very best, proven, and cost-effective insurance marketing and prospecting tips, Here is a list of the very best, proven, and cost-effective insurance marketing and prospecting tips, ideas and advice we’ve learned over the past 30 years by working with the very best in the insurance and financial services industry. These tips, ideas and advice are designed to get you off to a quick start… but more importantly, if they are used properly and your message is focused on helping people to identify and solve their financial problems, you will guarantee your long-term success!

    1. Emergency Info Wallet Cards

    Include local emergency numbers like the fire department, police, poison control, etc. Include your contact information and the phone number for claims. Customers will be glad to carry such a valuable card around in their wallet and they will always have your information in their pocket! Referrals are the cheapest and easiest form of insurance agency marketing.

    2. Great Email Signature – If you don’t already have an automated email signature, make one right now. Include every bit of contact information about you like your address, phone numbers, website, twitter, facebook, etc. With each new day comes a new form of communication and everyone has a favorite. Make sure you accommodate all communication preferences for marketing.

    3. Keep a Voice Recorder in Your Car – When you’re driving and spot a commercial vehicle record some information about the vehicle and the phone number. You can call the owner later and explain where you saw the vehicle and that you would like an opportunity to make a bid on their insurance at the next renewal. In case you want to order one now, here’s a link to digital voice recorders on Amazon.

    4. Provide Unparralleled Customer Experiences  

    Amazing customer experiences are one of the most powerful tools in your marketing arsenal. In today’s market, where consumers often expect to be taken for granted and treated poorly, when you treat your clients better than kings and queens they will tell the whole world. They’ll go on Facebook and tell a thousand people! You’ll never cold-call again if you can turn your book of business into your own sales force. Here’s some customer service ideas I put together to get you started. 

    5. Get in Their Cell Phone 

     Encourage clients to program your insurance agency phone number into their cell phone in case they have a claim or billing question. They will always be walking around with your contact information. If someone asks them about insurance it will be easier to refer. Referrals are the most successful insurance marketing strategy.

    6. Volunteer

    The hand that gives, gathers. There are many opportunites for growing your business while volunteering. You can get great PR in the newspaper, meet other local community members and business owners, and educate people about the values and benefits of insurance. Choose a non-profit you have some interest in since the more passion you have, the more benefit.

    7. Harness the Power of Facebook 

    Stop pretending its not a huge opportunity or you can’t do it and start making money with Facebook. Unless you only sell Medicare Supplement Plans, nearly every client you have is already on Facebook and the average user has 130 friends! If you need ideas, check out another article I wrote: 100 Facebook Marketing Ideas For Insurance Agents. Be creative, not too self-promotional, and use Facebook to amplify your community presence. And by the way, updating your Facebook page with fresh and interesting content has never been easier with our latest free marketing product for insurance agents, the Insurance Agency Facebook Idea Dashboard.

    8. Host a Window Etching Event  

    Window etching is a process of inscribing the VIN number of a vehicle into all the glass on a car. It is supposed to reduce auto theft. You can sometimes team up with the local police department or an organizaiton against insurance fraud like these guys. Gather free insurance leads from the vehicle owners. Remember to frame the sales conversation around any discounts they’re getting for the window etching.

    9. Door Hangers 

     Sounds old school, but paying someone to go door to door hanging advertisements on doorknobs can be part of your insurance marketing strategy. Arm the person with talking points about your insurance agency just in case.

    10. Good Old Telemarketing  

    The reason insurance agents still telemarket…it still works. Focus telemarketing in the evening, give your telemarketer lots of talkpaths to use and conduct role plays periodically to keep your telemarketer sharp. Don’t aim to quote and sell insurance policies right away. Respecting the prospects, making a positive impression, and gaining an x-date can be more valuable than providing an instant quote.

    11. Keychain Tags 
     I mean the thin plastic tags that the grocery store, gym, and credit card companies give members. Include the insurance agency contact information. Customers will want it so they can call you if they have a claim. Now they will always have your contact information for when they refer your agency. Referrals are the best insurance marketing.

    12. Get Your Own Website 
    In today’s marketplace, not having a website is like not having business cards. In addition to looking unprofessional, it also prohibits you from doing any legitimate online marketing.You can get a professional insurance website in three days for under $100 so why haven’t you done it already? And for the captive agents… if your “website” is a page about your agency on the carrier’s website then you don’t have a website. You have a webpage driving local traffic to your carrier’s domain to help them sell more insurance directly to your prospective and existing clients!

    13. TV Advertising 

     If you get an opportunity for some cheap exposure it may be worthwhile. The best television marketing opportunities would be during programs specifically aimed at your target prospects while they are thinking about your services – like during a program about home improvement or cars. In my opinion, TV ads still do not offer the same ROI as other insurance marketing strategies.

    14. Market Your Agency Online 

     InsuranceSplash owns a network of insurance-themed websites oriented toward consumers. Each has an agency locator and you can list your agency on each website. It’s commonly accepted that having consistent information about your agency referenced on more websites across the internet can boost your ranking with Google and agency name citatations on regionally specific pages of websites all about insurance should help! Signing up for the lifetime membership is simple, cheap, and only takes five minutes.

    15. Pay-Per-Click Search Engine Advertising 

    These are sponsored results that show to the right when you search on Google, Yahoo, Bing, etc. This can be an excellent insurance marketing opportunity because it drives traffic to your insurance agency website only from people actively interested in insurance. You choose who views your ads by location and demographics.
    Google Adwords – MSN AdCenter (includes Yahoo.)

    16. Local Networking Events 

    Chambers of commerce and many professional organizations host networking events so businesspeople can meet other businesspeople. Make as many contacts as possible and follow up with people that will assist your insurance marketing with referrals. These events are always loaded with salespeople, focus on how you can help everyone you meet and have fun. Help others be successful and the karma will come back to help your insurance agency marketing.

    17. Host Seminars

     It requires promotion, but you can host seminars about financial planning, understanding insurance, saving money on insurance etc. Invite people to your insurance agency office, use a meeting room at a local chamber, use space from a community center, or rent a location. Present a topic that is time sensitive and enticing. “Learning About Deferred Medical Savings Accounts” will not draw as many as: “Secrets to Stop Uncle Sam From Stealing Your Retirement.”

    18. Give Free Coffee at Lowes 
    Ever see the parking lot of a hardware store at 7 am? All contractors. Among many other potential needs, contractors need commercial auto, general liability, worker’s comp, disability etc

    19. Email Newsletters 

     Capture your clients’ email and develop an insurance marketing email newsletter. Online email marketing providers can help you produce professional looking newsletters and track who opened emails, what they clicked on, and how long they viewed the message. Make sure to send useful information. People receive too much spam and you don’t want to be that type of insurance email marketing sender. Sending sales emails can be illegal. CAN SPAM Act. For our insurance marketing ideas newsletter, we use a service called Aweber but we’ve also had good results from another provider named MailChimp.

    20. Door-to-door Relationship Building

    It’s not easy, but it might be the cheapest and most effective insurance marketing strategies. To be successful with face-to-face insurance marketing orient all conversation around how you can help the organization (with referrals and promotion, not just insurance). Have a non-sales conversation prepared, like a local community event you are organizing and recruiting help for. Be respectful and make an impression without interfering or coming across as a typical salesperson. Get x-dates and follow up with the decision makers before renewals. You will be surprised how many non-commercial insurance leads you get.

    21. Online Yellow Pages For Leads. 

    Superpages is a great way to find phone contacts for commercial insurance marketing. Focus on a particular market (carpenters, plumbers, lawyers etc) at a time so you can perfect your insurance sales strategy toward each different industry.

    22. Sponsor a Car Show 

    This is a good marketing idea for any agent, but a fantastic one for any agent interested and knowledgable about cars. Like most of the advice on this page, building relationships is the key ingredient in your agency marketing strategy and this will be a fantastic way to do so.

    23. Improve Your Google Ranking

    According to their website, Google ranks local businesses based on three things: location, relevance, and prominence. Location means you’ll only show for searches near your physical location. Relevance means you’ll only show for search terms related to insurance (not locksmiths, hotels, hairdressers, etc.) and prominence means how often Google comes across your business name address and phone number when they surf the entire web. For a more detailed explanation, download the free ebook, 10 Actions to Boost Your Agency’s Google Rankings Today if you want to actually get any phone calls this year.

    24. Press Releases 
     Have something interesting going on with your agency? Hire someone new? Open a new location? Get appointed with a new carrier? Change the air freshener in your bathroom? It doesn’t matter how important the news is, you can write up a little blurb about it and publish it online. Be sure to reach out to your local community newspaper but you can also use an online service like this one make sure to include a link back to your website and use lots of location terms like your city/village/town name to help you with search engine optimization.

    25. Reach Out to Contacts Every Day
    Make friends and increase referrals without looking like a salesperson by asking questions. Strong relationships within the community are perhaps the most powerful marketing tool an agent can possess. Strengthen these relationships by calling other professionals in the community and asking them questions as often as possible. You can ask things you already know! Over time the relationship will develop and they will send you referrals. Referrals are the sweetest insurance agency marketing.

    26. Create a Podcast –
     A podcast is like a radio show that you can publish yourself. Users of iTunes can subscribe to your podcast and the iTunes program on their computer will update itself with your most current podcast. To gain listeners you must provide valuable content but you don’t need to be extensive. You could make a podcast that offers one 30-second piece of advice per week about saving on insurance, driving safely, or child safety etc.

    27. Telemarketing Services 

     There are many companies that will do insurance telemarketing for you and send leads interested in insurance quotes. There is less competition than with internet leads, but the cost is often higher and results may still be mediocre. Nevertheless, it is something to look into. There are many insurance telemarketing programs, here is one to check out.

    28. Be Listed in Smartphone Apps
    It shouldn’t be a surprise to you that people are using smartphones more than ever before. (I’m an iPhone addict) It also shouldn’t surprise you that many people use smartphone apps to find local businesses like yours. Ever wonder where those smartphone apps with local business information get all that info? Check this out to find out how to promote your agency in iPhone and Android apps. By the way, how easy is it for someone to call you when their phone is already in their hand?

    29. Host a Defensive Driving Safety Class  

     There are plenty of materials out there if you wanted to put something together, or you could hire a professional to conduct the class and get your people a discount. Include insurance agency marketing materials in any handouts.

    30. Advertise on Pizza Boxes 

    I know several agents who purchase pizza boxes with their insurance marketing in exchange for buying the boxes. Many pizza shops need to cut expenses and will make a deal. Ensure they don’t cover your insurance marketing with theirs. Boxes are under 50 cents each. Another option is to pay for plastic pizza cutters. They are more expensive but people keep them.

    31. Speak at High Schools 

     Find informational materials and videos to use while you speak about defensive driving with high school students. Also, teaching a brief class about insurance could be a great opportunity for the students in a “life skills” class. It will certainly help to have a personal connection with someone in the school.

    32. Consumer Review Websites 

    Websites like Yelp.com and MerchantCircle allow you to set up a profile about your agency. Visitors can write recommendations about your agency and others use these services to decide who to call. I wouldn’t quit after those two though because there’s hundreds more, in fact I wouldn’t set up any agency listings myself, I’d use this service to do it for me.

    33. Sponsor the Fire or Police Department 

     What says community involvement and protection better than the fire and police departments? Firemen and police officers generally have very wide social networks within your local community. Find a way to get some publicity in the paper and develop strong friendships with the members.

    34. Chamber of Commerce
    To make it worth your time and money, you must develog stronger relationships within and contribute to the community. Chambers of Commerce are full of salespeople…be a resource by helping others and you will reap the greatest insurance marketing benefits.

    35. Facebook Advertising 

     Ever notice those links on the right hand side of your Facebook page that usually have catchy pictures and text? Those are advertisements and they’re the reason Mark Zuckerberg is a billionare. You can pay to have your own ads show there and it’s amazing how specific you can get with your target audience, but be warned: if you can’t get a high ratio of people to click and you don’t change your ads frequently, Facebook will not show them regardless of your how much money you have. If you’re too busy selling insurance to spend too much time on your Facebook page it’s still easy to provide engaging insurance agency related content for a Facebook page using the Facebook Content Dashboard.

    36. Wrap Your Car

    Consider the possibility of having your vehicle professionally wrapped with your insurance agency logo. It facilitates more conversations than you expect and traffic won’t bother you as much. You could also purchase an inexpensive car magnet to put on your car when it is parked in highly visible locations or in your parking lot closer to the main road. Always be marketing.

    37. Always Carry Lots of Business Cards 

    All of us have said, “I don’t have a business card on me right now”. From this point forward if you ever say that again then you should turn in your insurance license. You failed the successful insurance agent marketing test. Leave them in fishbowls, post them on bulletin boards, leave them with a generous tip if you have great service in a restaurant. And don’t ever run out…

    38. Create a Google+ Agency Page 

     I get it, you’re already tired of all the social media stuff. Between Facebook, Twitter, YouTube, Pinterest, and whatever the flavor of the week is next month it’s hard to keep up. But there’s one reason you really need to play along with this one – it’s Google and even if no one uses Google+, it can benefit your search results. Set up your Google+ page here. 

    39. Hire Commission-Only Salespeople 

    Not many agents have the spare cash to bring on another full-time (or even part-time) producer right now, buy you may be able to bring on a commission-only salesman. Even if you give them 100% of your sales commission, at some point they’ll leave and the renewals are yours. Ads on Craigslist are free and there’s plenty of people in the market for a job right now.

    40. Customer Video Testimonials 

    No one can sell the benefits of doing business with your agency better than an actual customer. Most agencies have a client or two that is bananas about you, ask them a few questions and film it with your iPhone. Shoot with the client and camera in a standing position away from a wall – it will have a more candid appearance and the lack of quality will be less noticeable.

    41. Donations for Quotes 
     Offer to donate a certain amount of money to a charity for every quote you get. Some of the big carriers get this one wrong by donating to a national cause. Donate to local charities and get your quotes from people that are actively engaged with the charity. Get them to post it to their Facebook page and let them do all the marketing for you.

    42. Refer-A-Friend Page –

     Create a page on your website that allows people to enter in the email address of a friend and it sends that person an email with your contact information and a recommendation about the agency. People aren’t going to use this by themselves though. You can email them a link right after you help them with something they appreciate like a billing dispute or a claim.

    43. Use Fiverr.com 

    Fiverr.com is an awesome resource where you can hire people to do all sorts of things for only $5. There’s a bunch of ways to use Fiverr for insurance marketing like designing flyers, writing press releases, business card design, content writing, video creation and more. You really wouldn’t believe what you can get for $5.

    44. Google Alerts 

    Google Alerts is a free service from Google that sends you an email anytime they find a new website with information you’re interested in. You can set it up to notify you anytime someone mentions your agency or to make sure you’re in the loop about all local insurance and business networking news. Learn more about Google Alerts for insurance marketing here.

    45. Twitter 

     I know that a lot of insurance agents don’t “get” Twitter. I understand because to be honest, I don’t totally get it and I’m an internet marketing guy. This doesn’t mean that you shouldn’t set up a Twitter page though. Just having the page for your agency gives Google a more robust picture of your agency’s online profile which should help search results. It’s not hard to set it up to just regurgitate your Facebook posts automatically either.

    46. Get Free PR 

    HelpAReporter.com is a free service that connects reporters with experts to interview. When you sign up for an account as an expert you’ll recieve 3 emails a day filled with opportunities to be the “industry expert” for a reporter who needs to interview someone to write a story. If you want to be interviewed, respond quickly and sell hard on why you’d be the best expert to interview.

    47. Downloadable Whitepapers 

    A Whitepaper is basically just a fancy term for an informational report. You can turn it into a PDF and put it on your website either to generate leads or to give out for free. Keep it simple and create something highly relevant to an insurance shopper like, The top 10 Insurance Mistakes Chicago Families Make and How to Avoid Them. It’s a bit trite, but you get the point.

    48. Online Maps 

    People find local businesses using sites like Mapquest.com, Google Maps, and AltaVista. If they’re already on a map, it’s a pretty good indication that they’re serious about finding a local company too. Here’s two ways to do it: 1) do a search on Google for “online maps and go to each of the top sites looking for a link to add your busines profile and fill it out. 2) Use UBL to add you to every major online map by filling out one form.

    49. Sponsor a Motorcycle Ride 
    Except for a few crotchrocket thrill seekers, motorcycle riders are often fantastic insurance clients. They are very safe drivers on two and four wheels and today’s motorcycle owner often has many other insurance and financial service needs. Motorcycle insurance marketing is a great lead-in to other insurance lines.

    50. Post Client Letters 

     If someone writes a letter, sends an email, or posts a positive comment online about your agency, print it out and post it in a visible location. Shoppers look to others for guidance. Reading many letters from others about the knowledge, care, and protection your provide will only improve their impression of your business.

    51. Boost Your Search Rank 

    Here’s the bottom line: the more websites across the web with your consistent and accurate agency name, phone number, and address, the higher you’ll rank. Thats why services that distribute your agency on thousands of webpages are so valuable.

    52. Contact Webmasters for Links 

     Enhance the online presence of your insurance agency website and improve search rankings with links from other related sites. According to Google, one way to improve the search results of your website is to get one-way links from quality related websites. In order to do this you will need to have some type of product, service, or information visitors on the other site may be interested in, but unable to get on that site. Keep in mind that no one is going to be willing to offer a link to your site unless there is an obvious benefit to their visitors.

    53. Park a Wreck in Your Lot 

     Convince a junkyard to park a wrecked vehicle in front of your office. It will draw attention and create a mental connection between your location and car accidents and insurance. If your local government or landlord gives you a hard time, remind them it is raising safety awareness and at the very least try to get them to allow it every once in a while.

    54. Referral Marketing Exchange

    I know many agents that offer cash incentives for real estate agents, mortgage brokers, and car salesmen to refer their insurance agency. (This is illegal in some places) There may be other options to reward referrals that are more affordable to you and/or more enticing for them, for instance you agree to pay for the publication and distribution of marketing materials. When a real estate agent sends you a lead, instead of paying them cash agree to send their client birthday cards in their name for the next five years. It may be easier for you if you already have a similar process in your office.

    55. Join the School Board 

    The school board is obviously a fantastic way to meet both the big players and families in the community. Being on the school board will give you easier access to marketing opportunities to parents and young drivers also. Marketing insurance products to young families is an ideal situation.

    56. Insurance Leads Fishbowl 

     Leave a fishbowl on the counter at a business where potential customers shop with a sign indicating you will be drawing for a gift card to the establishment. Use the cards for leads. If you like this idea and want to buy one right this instant here’s a link to fish bowls on Amazon.

    57. Wear Your Business 

     Invest in some nice shirts with your business name clearly visible. Wear them everywhere, especially to school and community events. Include your staff and you can have a powerful insurance marketing effect. Shirts are expensive, so if you’re going to hand them out, give them only to people you think have friends that would make good clients.

    58.Customer Surveys 

    Surveying people about service quality has marketing benefits. You can identify opportunities for improvement and you let clients know you value the quality of their experience. Another benefit is that many people will feel obliged to say good things and forcing them to do so will imprint the value of your agency into their minds. You can do this by email with most email marketing services.

    59. Engage People On Facebook 

    Moving forward, insurance agents that have the strongest online presence will survive. Check out this free article we wrote with over 100 ideas and strategies for Facebook marketing for insurance agents.

    60. Write in the Local Papers 

     Even if you pay for it, writing content for the local paper can be much more valuable than insurance advertising. Most papers are struggling right now and will be more open than ever to allow you to pay to write content. If you cannot inlcude insurance agency contact information in the article purchase a visible ad near it.

    61. Business Networking Groups 

     Although there are many like it, BNI is one of the most prominent business networking groups. Unfortunately, they often limit membership to one person per industry and insurance is often filled. Take advantage if you get an opportunity to join BNI or another group like it.

    62. Coach Youth Sports 
     Coaching a youth sports team allows you to meet many young families within the community. Think auto, home, Life, financial Planning, 529, IRA, etc. You should take every opportunity to get to know the league coordinators as they are often very well-known individuals within the community. Get some additional agency marketing by hanging a team picture in the office. It’s also a lot of fun, just ask the guys on my middle school lacrosse team.

    63. Designate a Referral Specialist 

    Choose one person in your agency and assign them to develop and support a referral process. Track referred business and pay extra commission on it. When one person takes ownership of the referral program you’ll get their buy in, and your other staff won’t be hearing about referrals from only you. Referrals are key to insurance agency marketing.

    64. Send Marketing Materials With Every Customer Communication 
     Whether it is a payment reminder, policy endorsement, renewal notification, etc, always include some sort of insurance product marketing material. This holds true for mail, email, phone calls, text messages, whatever.

    65. Bring Doughnuts to Apartment Managers 
     If you sell renter’s coverage the best way to market insurance is through the person selling the apartment. When you get an opportunity to speak with apartment managers, make sure they understand why insured tenants can be an advantage to them. They will forget you if you don’t bring something to eat once a month.

    66. Give Out Pens

     Many businesses and communities can always use extra pens – community centers, restaurants, grocery stores, the DMV. Always keep extra pens with you and when you see a jar full of pens somewhere, fill it up with your own. Always be marketing your insurance agency.

    67. Get Links to Your Website 

    Every search engine marketer will tell you the same thing, inbound links to your website or webpage will help you show up higher in search results. Ask people you do business with to add a link to your site and make sure to include a link back to your site from anywhere online you have the opportunity. Don’t forget about online business directories, which are often an easy source of inbound links. If you know the secret it’s not too expensive to get better search rankings.

    68. Advertise In Church Bulletins 

    Church bulletins tend not to be huge insurance lead generators, but use your financial support to speak with the church leadership. Offer to conduct seminars about insurance, defensive driving, fire safety, financial planning etc. Your good intentions will lead to higher commissions.

    69. Coupon Mailers 

    Consider the readers of these materials and make sure any advertising you do provides some sort of coupon, free gift, or call to action. People read through these specifically to find coupons and discounts. Val-Pak is one.

    70. Customer Appreciation Party
    Let your best policyholders know how important you are by inviting them to a nice dinner. Use this time to market new financial products, encourage referrals, and strengthen relationships. Invite your largest premium providers and the people who help you with referral marketing.

    71. Insurance Lead Lists 

     It can be expensive, but purchasing lists of insurance prospects is a starting point for many of the other insurance marketing strategies here. Narrow down prospects with demographics, location, etc. Salesgenie is one company that does this.

    72. Market in Ethnic Publications 

    Studies show certain minority populations can be more loyal to businesses that advertise and market within their cultural media. If you speak a foreign language or someone in your agency does, selling insurance to that community can open the door to loads of referred leads.

    73. Local Forum Websites 

    Many local communities have online forums where members communicate about community events, concerns, businesses, etc. Become an avid poster and you will develop friends and insurance leads. If possible, use a link to your insurance agency website in your signature so it shows up every time you write. Since your online reputation is nearly as important nowadays as your actual one, make sure to make relavent posts rather than blatant insurance advertisements.

    74. T-shirts 

    Give them out to policyholders who will wear them. It will be tempting to buy the cheapest white shirts. Remember, if your shirt can work itself into the regular rotation of someone’s wardrobe, you’ll have residual insurance advertising. Make sure the agency name and service is clear.

    75. Online News Comments

     After reading articles on the local news website make a post and try to include a link to your website. Link a theme in the article to an insurance need. Do not become a comment spammer; post relevant information. Incoming links to your website from a reliable source like the local newspaper can help the search rankings of your website and drive targeted traffic.

    76. Get New Marketing Ideas by Email 

    Sign up for the Insurance Marketing Ideas Newsletter to get weekly insurance marketing ideas like the ones your reading right now delivered right to your inbox. For a limited time there’s also a secret gift just for signing up. (Okay, you talked me into it… it’s an eBook I wrote explaining how to rank #1 on Google)

    77. Leave Pens Everywhere 

     When you sign a credit card receipt, when you fill out a deposit slip at the bank, when you are addressing a letter at the post office. Consciously leave your pens everywhere. Consider pens that have some cool feature like an unusual clicking mechanism. That will improve their lifespan and assist your insurance marketing efforts.

    78. Leverage LinkedIn 

     I don’t know too many agents who use LinkedIn well for sales or marketing but it can be a great resource for building your network. Here’s a hint for insurance agents: The value of LinkedIn doesn’t come from networking with people you already know as much as from connecting with the people they know. (By the way, if you like this top 100 list consider connecting on LinkedIn with the author: Insurance Marketing Expert – John F. Carroll)

    79. Host a Baby Car Seat Event 

    You’ll need to get certified in car seat safety installation or find someone who is. Often fire departments or police departments have certified individuals and maybe you’ll convince them to bring the fire truck. Marketing insurance products to young families is always a good idea.

    80. Publish RSS Feeds

    If you have a blog, it’s a must. RSS is short for Real Simple Syndication and it is a way to publish information online that can be read by a third-party program (feed reader or aggregator). This allows visitors to sign up for RSS feeds from several websites and by using one feed reader they can effectively compile up-to-the-minute news information from only those sources they are most interested in. Feedburner is probably the best option for publishing your information.

    81. Yahoo Directory. 

    This one is very pricey ($300/yr), but if you have the budget and are interested in insurance agency website search engine optimization, marketing in the Yahoo directory will help you. Be warned, it’s not a huge help but if you’ve got the money to spend…Be sure you provide your information exactly the same as you list it everywhere else. Consistency with online listings is very important for search rankings.

    82. Attend Community Meetings 

     Read your local newspaper or website to learn when community meetings are happening. Do good for the community and business will follow. Wear your agency shirt. (a nice golf shirt, not a T-shirt)

    83. Produce a Viral Video 

    I can’t tell you how to do it, but if you can come up with something related to insurance, your staff, your community or something that people will want to watch and send to their friends, release it on YouTube and let it go viral. Here’s a free suggestion… put together bunch of extreme sports bloopers with an disability insurance advertisement.

    84. Start a Community Organization

    It’s not hard and you won’t need to win an election to be the president. Identify a social need in the community and start it. Combine a group of people and a cause like Softballers Against Cancer or Baby Boomers For the Environment. You can get it started on a site like MeetUp.com.

    85. Publish a Blog 

    Publishing an online insurance blog is a great way to drive traffic. A general blog about insurance will be lost in the shuffle but a blog about a specific type of insurance in your section of the state could be a great opportunity to find actual clients. It will add to your credibility as an industry expert. Although challenging to a newbie, creating a WordPress blog in a subdomain of your website (www.blog.yourdomain.com) can be done. Don’t forget to submit your blog to InsuranceBlogSites.com. They don’t accept every blog, but it’s free!

    86. Comment on Related Blogs 

    There are many opportunities to take advantage of blog marketing without owning one. When you read someone else’s blog post about a subject that could be related to insurance, post a comment about it. Always comment with insightful and relevant information. The extra links to your website will help your insurance agency website search rankings, and you should drive targeted traffic to your website. Insurance website marketing is very important now.

    87. Make Sure Other Businesses Are Aware of Your Referrals 

     This is just a general marketing concept. When you refer someone to the service or product of another customer give them a reason to mention you. Something as simple as “he’ll probably give you a discount if you mention I referred you” will ensure that the owner is reminded of the value of his relationship with you. That should help your retention and increase the liklihood of reciprical referrals. The other business owner will also want to pay you back – It’s called reciprocal atruism if I can remember correctly from my college psychology class.

    88. Internet Insurance Leads 

     There are several providers of marketing insurance leads. These are mostly insurance websites that encourage visitors to submit their information to receive competing insurance quotes. The information is then sold to many competing agents. Success rates vary greatly by insurance agency. Remember to call the unsold leads back 6 months later. And 12, 18, 24…

    89. Send Holiday or Birthday Cards 

    For some customers, a card from you might be the only greeting on their birthday. Set yourself apart with less popular holiday greetings like Halloween or Thanksgiving. Send Memorial Day cards to proud veterans or ethnic holiday cards to clients. Building relationships is a great way to market your insurance agency.

    90. Handwritten Letters For Best Customers

    We spend too much time with customers that pay us the least amount of money. Take a look at your commission statements and make sure you are going the extra mile for the people that support you the most. Guess who your best customers hang out with… people just like them who’d be great referrals for you.

    91. Annual Policy Reviews 

     How can you expect policyholders to stay with you if they do not get anything in return each year? You should attempt to discuss policies with every customer every year. This helps you solidify the relationship, identify needs for additional products, and ask for referrals. Treating your book well is the best route to insurance agency marketing success.

    92. Promote Your Clients 
     What goes around comes around so encourage clients to leave promotional material in your agency and try to refer them clients. Entrepreneurs are often our best clients (many insurance and financial needs and better retention), and they are most likely to refer your services if they see the value in what you do.

    93. Niche Forum Websites 

     Across the web there are thousands of different themed discussion forums. Think about the insurance products you sell and then imagine where people may go online…Motorcycle forums, antique car forums, websites about saving money or investing. You get the point, go there and make friends.

    94. Manage Your Brand 

     In today’s digital world, there are thousands of places people may find information about your agency. If it’s important to you that the information they find is accurate and complete there are services that can help you with online reputation management. In today’s digital world it’s so important to make sure you’re being properly represented everywhere online.

    95. Encourage Positive Online Reviews 
    When policy holders have a positive experience with your insurance agency, encourage them to go online to sites like Yelp.com or MerchantCircle.com and write about their experience. I recommend agents build a page on their website with links to their different profiles on review websites. When people are happy with their service they simply email them a link to that page and it makes things much easier for the customer. The easier you make it, the more likely they are to give you a review. And don’t put a link to that page on your website, you don’t want everyone to have access to it, just the people who are going to write nice things about you. For more ideas, here’s an article I wrote about getting more reviews.

    96. Put Your Picture on a Billboard 

    If you are an attractive woman this might work. For the guys – putting your picture on a billboard does not make you a local celebrity, it just proves you are vain and good at wasting marketing dollars. Maybe I’m just jealous…

    97. Advertise to Specific Markets 
    Blanketed insurance advertising is not nearly as effective as specific messages for targeted customers. Think “Great Rates for Homeowners with Good Credit” instead of “Great Insurance Rates”.

    98. Host a Boating Safety Class 

     If you market well enough, paying an instructor to teach a class in your agency or a community center can lead to a boatload of referrals (sorry). Free for all attendees may work, or give your clients a break and charge the others. Insurance marketing strategies that encourage safety are always a good idea.

    99. Put Balloons Outside 

    Flags, balloons, streamers, whatever…Do something to draw some attention to your agency. Ask yourself if there is anything at all drawing attention to your business. Your physical location can be your greatest source of insurance agency marketing. Amazon has a ton of helium tanks that aren’t too expensive.

    100. Child Fingerprinting Event 

    Interest in protecting the community will always be good for insurance marketing. Don’t forget how valuable the connections you make with members of the local police department can be in many different ways.

    101. Overdeliver

    Always deliver more than you promise with everything that you do. In a marketplace where most companies overpromise and underdeliver try to be the opposite. For example, if you’ve promised 100 marketing ideas, give 113 instead!

    102. Free Lemonade 
    Offering free lemonade in the summer or hot chocolate in the winter can draw in potential customers. If you’re concerned about freeloaders, make the drink contingent upon an insurance quote.

    103. Host a Blood Drive 

     Raise awareness of your location by getting people to come to give blood, and it will also give you a reason to contact your policyholders besides billing.

    104. Referral Marketing Program 

    Reward existing policyholders for sending you new clients. Don’t be cheap with the referral rewards. Make sure every single knows about your insurance referral program and remind them every single interaction. Developing referrals is the best insurance marketing strategy. If you haven’t read The Referral Engine I strongly recommend it.

    105. 800 Number Tracking

    Use 800 numbers to track the effectiveness of advertising campaigns. Kall8 provides a number for around 2 dollars a month. You can tell the marketing source using caller ID. If you invest thousands for grocery cart ads, it’s worth paying 25 dollars a year to track the return? My bet is you will spend your grocery cart money in online marketing the following year.

    106. Messaging on Hold 

     Being on hold sucks. It sucks a lot less when there’s something to listen to. Having a service that provides information about other products will give callers something to listen to and expose them to a much wider array of your services. Customers will be unaware what we sell if we don’t constantly market insurance products to them.

    107. TV or Radio Interviews 
    When insurance-related news happens locally, contact the media and offer your opinion. News reporters are just folks like us trying to meet deadlines so if they can get a quote without working hard, many will take advantage. Use your twitter account to send them a message.

    108. Get Listed in GPS Devices 

    Wouldn’t it be nice if people could pull up your insurance agency when they did a search on their handheld or factory installed GPS device? Some GPS manufacturers let you go to their website and submit a business profile. It might take you a little while though… You might consider this service to list your agency in almost every GPS device in one fell swoop. If someone’s searching for insurance on their GPS device, I’d say they’re pretty committed to visiting your agency!

    109. Sponsor the Highway 

    Highways will allow businesses to sponsor cleanup efforts in exchange for a sign advertising their service. Sponsor a section near the exit toward your agency. If there are no nearby openings, propose sponsoring another road in town. Maybe they’ll let you put up a sign to market your insurance agency if you agree to clean up trash along the roadside.

    110. Nice Car Cards 

     These are business cards with a car compliment written in big letters. When you see a nice car parked, leave one of the cards with your contact information on it. Have them preprinted to say “People with taste like yours value an insurance agency like mine” or better yet, hand write a personal message. People with nice cars tend to like compliments and also have a lot of insurance needs. Place it on the driver side window right over the door handle with the compliment facing out.

    111. Prepare Conversational Insurance Questions 

    How many times do we miss sales opportunities every day? Although selling comes naturally to you (or so you think), prepare some questions you could ask anyone depending on the situation to stimulate an insurance conversation. Here’s an example: “Isn’t it amazing how fast kids grow up?” Depending on the answer, there are many insurance conversations this could lead into. Having conversational starters prepared will prevent you from wasting sales opportunities by talking about the weather.

    112. Outsource Time-Consuming Activities

    There’s a million and one things you need to do to make your marketing work. If you can hire a highschooler to telemarket for minimum wage, do it. If you can pay somebody to drive around and drop off brochures at all the local apartment complexes do it. If you can pay someone to list your agency on hundreds of local business websites do it. If you can pay someone to handwrite your thank you cards, do it! Here’s my twist on the E-Myth hypothesis: “Always work on your marketing, not in your marketing”.

    113. Advertise Your Greenness

    Offer information about how to drive more efficiently or reduce energy costs in the home. Send email newsletters, mail to your clients, or host educational sessions in your office for your customers. Include insurance agency marketing material in anything you provide.