Internet Leads - Do you filter?

[Jeff]

I'm looking into trying internet leads again. Haven't used them in about a year. Was using unfiltered and had decent success.

So I was wondering what do other agents do with filters?
Which filters are the best to use?
Are they a waste of money in the big picture when calculating total roi?

Any thoughts?

 

[The Rabbi]

If you can serve everyone, you don't need filters. I filter for insurables and over late 20s. My time is too valuable.

 

[Chkndinner14]

Depends on your organization.

If you are a one man shop, I would use filters. Why not try to get the best leads possible for your time.

If you are a large multi-person agency that pounds the phones and need a lot of volume, open it up.

When I use shared leads, I filter in this order.

Geography
Currently Insured
Age
Uninsurable.

Not all lead sources charge for filters.

 

[Crabcake Johnny]

Can you get paid to write GI plans? BX? State pool? For MD I get paid $100 to write GI coverage so I'll take everyone.

 

[CHUMPS FROM OXFORD]

It is possible, by adding filters, and spending approximately 20% more in lead price, you will increase your ROI. And as a bonus, you will spend less time doing it.

 

[somarco]

I filter quite heavily. Don't have time to waste tracking down folks (especially when 70% of them never answer their phone) who don't meet my criteria.

Age 25 - 60 (dont want them too young or too old)
Filter for health conditions (uninsurables).
Currently pregnant
Not currently insured, don't want them.

This weeds out a lot.

I can also filter for self employed, previously declined or rated or DUI in past 5 years . . . but I don't.

 

[Expat]

It is possible, by adding filters, and spending approximately 20% more in lead price, you will increase your ROI. And as a bonus, you will spend less time doing it.

This is the best argument for applying filters. Save money, save time.

 

[schealthagent]

You mean people actually admit to declineable conditions on the questionnaire?

 

[CHUMPS FROM OXFORD]

Yes. And of course...sometimes they don't believe that it is a declinable condition.

 

[moonlightandmargaritas]

Yes. And of course...sometimes they don't believe that it is a declinable condition.

"My health is great. Since I beat that cancer last year, I feel like a million bucks!"