InsureMe.com

Was looking for some feedback from any of you guys that have tried their leads. Insureme.com called me today and offered me life leads at $11/lead and impaired leads at $8/lead. The rep told me that I could control my lead flow as I wished and could filter my areas down to counties. I've been using insuranceleads.com the last few years with decent results overall. However, now that I"m independent, I can write impaired risk without as much trouble and feel I could get more for my money. Should I stick with insuranceleads.com or should I take this rep up on his offer? Suggestions welcome.

Insure me was the first online lead vendor I ever signed up with. I sold one case, it's still on the books. Not long after I signed up with them I also signed up with Netquotes (aahhh!), I quickly noticed that I would get the same name from both sources. After a few months I canceled on both of them.

I later started the internet lead thing back up with insuranceleads.com. They were an absolute disaster in my opinion, so maybe you could get insureme to work better comparatively.

Never touched a lot of impaired risk stuff, so can't speak to that.

Thanks for the feedback. Insuranceleads.com definately leaves alot to be desired, though my ROI with them is positive so I can't complain. I seem to do well with the impaired risk leads, especially when it comes to persistency. I may have to give them a try.

Insureme used to be great, but I stopped using them about a year ago because their lead quality took a sudden turn for the worse. I haven't found a good replacement. I've gone back and bought some leads from Insureme a few times to see if they got better again, but they haven't so far.

I know what you mean about lead quality in general. When I first subscribed to insuraceleads.com a few years ago, all leads were legit, and many times I was closing 1 in 3. Lately, however, they're mediocre at best and many are bogus.

Someone said (it may even have been on these boards, I don't remember) that a big part of the decline in lead quality has been because the lead companies have started getting leads by offering points for these online games like Farmville if people fill out a form to request a quote. That would make sense. Those games have only really caught on in the last year or two, and that seems to have been when the lead quality really dropped in general. Not that they were ever fantastic, but at least I used to be able to make money on them. Heck, if I could break even on first year commissions I'd probably still buy them and make my money on renewals...

The worst practice that dilutes quality, the affiliates that generate the leads for the vendors (they don't self generate much) give incentives such as farmville points, or say they can win something like an ipad.

Then when they fill out the form, they use popunders and popups to get them to fill out multiple forms. They get paid on submission for as many of them as they can get someone to submit. If you want to see something crazy go read people on affiliate marketing forums talking about spending 60 grand on facebook ads to generate leads for all sorts of things in a week.

Even when you report back what the lead said about how it was generated, it does not benefit the vendor to stop the lead flow from the affiliate if the affiliate is producing tons of leads that someone did actually fill out.

A large % of the bad leads go unreported.

The vendors would stop the madness, if we as agents would stop buying the leads.

What kind of leads are you looking at? P&C, life etc?

Here is what you do with any lead company........go to their website and make yourself a lead and see how many calls and emails you get from the companies, meaning, if i recall, they are only supposed to give to like 3 or 4 captive agents, but like 10-12 IA agents.....

Try it and see what you get, I did it with insureme.com a few years ago, after being told they only gave to 3 captive agents and 6 IA agents, I recieved phone calls or emails from 24 different agents!

Theres your competition....

Some of the "agents" they sell the lead to are lead vendors, who then sell to 8 more "agents" till they sell that lead to every person in the area signed up with any of the vendors that sell to each other.

I used insureme for auto leads - legit... senior health - 2 or 3 MA sales and one annuity cross-sell (that was very profitable)... health & life not so good though. I just cancelled as I want to try some other things - but that is my story. Life leads, they definitely need much improvement!