Insurance Marketing Agencies – Insurance State Data Information Guide to Selling Insurance

Just like insurance marketing agencies, each state also has its own personality. Information analysis of insurance status data reveals where it is easiest to sell insurance. This information is a guide to where insurance marketing agencies do best for general insurance brokers and why.

Some states have many agents and brokers who are very friendly and open to new insurance opportunities. Other states seem locked into a time zone 5 years behind the independent thinking states. Many factors, including state date information and Census Bureau analysis, show how difficult it is to get brokers, independent agents, and general agents to respond to your offer by mail. Insurance marketing agencies should concentrate recruiting and shipping to certain states that will definitely pay off. Using this guide is a great way to maximize your marketing budget and get advanced marketing output results.

In the first 3 states is: Florida, #1, California #2 and Texas #3. The main states of commercialization of insurance products from 4 to 10 are described below.

OHIO, Rated #4

Finally, the first state that is not on the border or the coast. The same landlocked trend applies to the following states on this page. Ohio we call it “the potential profit state.” Our reviews of agent recruiting firms using our listings are overwhelmingly favorable for over 20 years in a row! The recruiting secret where results can be had almost immediately: Ohio has four distinct agent population districts instead of just one or two. This geographic factor makes it difficult for a particular insurer to monopolize the entire state. The four metropolitan areas are Cleveland, Columbus, Cincinnati, and Dayton. Where do you set up your recruiting operation? Wherever you are is also the likely location of most of your recruiting effort.

Factories with unions that provide employee benefit plans are quite common. However, Ohio remains a strong state for group and workplace benefit plans. Ohio agents who are with a major professional life insurance company are far less loyal than in most states. That means for you, the recruiter, they negotiate business with recruitment companies by properly baiting their hooks. It also means a great need for compelling brokerage products that expand far beyond life insurance.

GEORGIA, Rating #5

Like most southern states, debit agents used to have a huge impact on insurance agents. These agents sold very small life policies, and they have established routes, where weekly or monthly they collect premiums directly from their clients. These agents were employees of the company, which means that when they left, so did their renewals that weren’t vested. The old route was simply passed to another rookie agent to handle. It goes without saying that low income potential, high training costs and modern banking policies have practically reduced the presence of debit life insurance companies to a minimal factor today. Georgia is divided into two zones, 55% of licensed agents in the Atlanta area, zip codes 300-303, and 45% for the rest of the state. Our Georgia tip: Stay OUT of Atlanta. These Atlanta agents are bombarded almost daily with requests for insurance products via fax, email, telemarketing and direct mail. Select quality area agents, out of Atlanta, seem excited to receive a direct mail piece that offers a genuine opportunity. Make your move to reward yourself with a sweet piece of Georgian pie

WISCONSIN, Rating #6

There is no doubt that Wisconsin is a Fraternal Life Insurance Company dominant state. Their fraternal agents offer “certificates” instead of policies to “members” instead of clients. The Fraternal Organization holds benefit events for the most affected members and may be formed around a common job, trade, religion or concept of life. The menu of products offered by Fraternal insurance companies is quite small. This gives the secret to Wisconsin recruiting: Fraternal insurance agents have an exceptional brokerage mindset. The average number of outside companies in Wisconsin with licensed “brokers” far exceeds the national average for agents. As the state of Wisconsin is somewhat overlooked, it has over 10,000 agents who have already hired at least one third-party carrier. Your career should be the next one they consider.

MINNESOTA, Rating #7

The state of Minnesota has many of the same valuable marketing features as Wisconsin. In the land of ice, snow, and lakes, you also have plenty of frat life insurance agents. Consider this fact. Many large insurance brokerage-oriented insurance companies have regional recruiting directors. In the Midwest, this central hub is Chicago, Illinois. This means that 70% of your recruiting time and budget is conveniently located in that recruiting center, even though the region includes other states like Wisconsin, Ohio, Michigan, Minnesota and more. Our recruiting tip: Keep your recruiting dollars out of a recruiting “hub.” Also, paying less attention to Minneapolis/St Paul will produce stronger leads. Competitive pressure is low, so your results could spill over.

NORTH CAROLINA, Rated #8

Agents from North Carolina may have a thick accent, but they also have a strong brokerage twist that can easily give you a couple of home runs. Typically, Internet interest in broker seeking brokers is closely related to the number of recruiters in this insurance marketing territory seeking brokers. In North Carolina, this scale tips dramatically in a different direction. Good North Carolina brokers are looking for insurance marketing companies! We have noted that North Carolina receives a third of the recruitment applications that Georgia receives and half that of Tennessee. Some of this credit goes to cities like Greensboro, Charlotte and Raleigh, which have good agent bases. This is unlike Atlanta or Nashville with the dominance of the population center by a single agent. By recruiting top-tier North Carolina agents, you have a lot to gain, plus a giant bonus point. Brokers in North Carolina are more loyal to a marketing company that treats them right than anywhere else we’ve seen.

MICHIGAN, Rating #9

In Michigan, let’s look at the negatives first. The large presence of auto and automotive supplier unions, among others, has virtually wiped out the group insurance market. There is some significant individual medical potential, but with Blue Cross being so dominant and offering such negligible commissions, the market is hardly worth following. Another drawback is that the Detroit metro area contains more than half of the agents and more than half of the population. Positive factors include affluent union retirees who have moved out of state, absence of insurance marketing centers. This is reinforced by the poor job professional life companies have done to help agents overcome early career hurdles. Our advice is to look for agents with at least 6 years of experience. The Detroit metro area is very good for advanced life insurance and annuities targeting the professional market. However, look at the constant ups and downs of the economy in this metro area. The out-of-state area is ideal for long-term nursing care. Don’t zoom by motor city state.

MISSOURI, Rating #10

Close to a tie with Michigan is Missouri, but it’s still in the top ten. However, the state is very different, with very few unions and a median household income $3,000 below the national average. In this state, the good parts of the Midwestern agent’s personality; they begin to mix with some southern hospitality. It sure is a good show me state, where a lot of independent and semi-independent agents know that showing me a good product offering and that I might be interested is a winning combination. The state’s sufficient senior base would have to qualify as good for long-term nursing care, while the lower income might be a bit of a drawback for overly-sophisticated annuities. KISS: a simple state.

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