Well said. The potential customer creates a concept in their head and it is the insurance agents job to discover the concept and relate their product/service to it.
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The BBB is not a sham. A lot of people identify with it. Why do insurance agents bother to have a website? It gives an bit of legitimacy. Do you really think people are going to buy because of some website from an indy agent? No way...again, it just gives a hint of legitimacy. Same thing a business card with an actual office address (and not the basement of your home), business phone number, business fax line, and business email. IMO, you would look like a clown using a gmail address (ie JohnGaltInsuranceAgency@gmail ) for your business. The same goes for the BBB. It gives legitimacy. That's all. It is really not a difficult concept to grasp.
In my opinion the BBB is a sham and one of the biggest scams of all. They do absolutely nothing but solicit membership and market themselves.