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Insurance Marketing, Instead of Insurance Selling

By: Jason Cunningham (9-27-05)

   In the insurance business, you want to be perceived as a person who markets instead of one who sells products. Individuals who believe their goal in life is to sell you something; in many ways, these persons have greatly damaged the image of the insurance and financial service industry. Building a protection portfolio for each client will cause you to stand out, and separate you as an adviser from the average insurance product pusher.

  Let's face it, one who is in the insurance business can appreciate the ups and downs of the industry. Everything you do, in the name of the client not only impacts you, but everyone else in the world of insurance. Every scandal or omission of the facts causes us all to suffer as well as our clients. It is bad customer service when anyone misleads a present or potential client. That jaded individual may drop their current insurance product, which leads to financial ruin due to a premature death and leave his or her loved one with an income deficit.

  When you market, you should be letting people know what services you have to offer.  As a person in the insurance industry, your job is to protect families from financial disaster. You are supposed to make  recommendations to clients who have holes in their insurance portfolio. This idea that everyone needs the same life insurance or health insurance policy is ludicrous.  If you try to fit everyone with the same shoe or insurance policy, then you reduce yourself to being a pushy salesperson. We have enough corruption in every industry; however, the insurance industry is amongst the most important, and it should be treated with respect. You could be the difference between a widow staying in her home or having to move into an apartment.

 Look beyond your wallet on your next insurance appointment. Think of your clients as your mother and father, and we can all sleep better at night. The insurance industry needs to police itself and get rid of any product pushers that may still be selling insurance. It is important that the public not only purchases insurance, but has the right kind to fit their individual needs.

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