My Thoughts on InsureMe

[mcouvillon]

I don't care for InsureMe anymore. A few years ago I was able to close 1 in 5 that I spoke with. Now I only get leads I cannot get in touch with or ones that say they only filled it out to get something free. Their lead credit policy used to be much better. Now (in my opinion) they don't seem to want you to be able to credit anything unless the numbers are all disconnected. I am about to dump them. I would not recommend them unless you are trying to waste money.

 

[nato]

I don't care for InsureMe anymore. A few years ago I was able to close 1 in 5 that I spoke with. Now I only get leads I cannot get in touch with or ones that say they only filled it out to get something free. Their lead credit policy used to be much better. Now (in my opinion) they don't seem to want you to be able to credit anything unless the numbers are all disconnected. I am about to dump them. I would not recommend them unless you are trying to waste money.

I'm having the same the same experience. They used to be good and now the leads are horrible

 

[Bob Klee]

Guys,
Leads today are different than they were a couple of years ago. They are harder to get on the phone for sure. Thus why we need a good drip email from the first minute we get the lead & a good series of voice mail messages too.
Agents must be creative & don't give up. This is what I'm hearing from the agents that are making internet leads work.

As long as they don't cap your returns & work with you....that is a company I'd work with.

 

[todd02]

Guys,
Leads today are different than they were a couple of years ago. They are harder to get on the phone for sure. Thus why we need a good drip email from the first minute we get the lead & a good series of voice mail messages too.
Agents must be creative & don't give up. This is what I'm hearing from the agents that are making internet leads work.

As long as they don't cap your returns & work with you....that is a company I'd work with.

Bob one of the main reasons I canceled hometown quotes was due to your Credit policy of the consumer lied on the lead... Quote wizard returns leads for misinformation. Maybe wanna look at that.

 

[Bob Klee]

Bob one of the main reasons I canceled hometown quotes was due to your Credit policy of the consumer lied on the lead... Quote wizard returns leads for misinformation. Maybe wanna look at that.

By "lie," what do you mean? For instance: If a consumer who filed bankruptcy 3 years ago, but just bought a home, puts down they have good credit, is that a lie?

If a consumer enters they have a clean driving record, but then you pull their MVR & find they have a violation in the last 3-5 years, is that a lie?

I've had that & more tell me this in person at my office many times over the years. The lead is filled out by the consumer to the best of their knowledge/memory.

On average, what % of leads do you get that the consumer lied? Also, I've seen posted here in this forum that QW does not give credit for this reason. Perhaps there are other variables in play? LGilmore/someone, posted that he proved the person was dead & QW wouldn't give them credit. [sorry, don't want to research at this time of the morning] Something about incentivized leads they wouldn't credit too.

Please if you don't mind, PM or email me your name so I can research your account. If my folks aren't handling things correctly, I promise to correct this for you.

But what I'm getting at is, one has to look at the big picture when working leads. In my agency, when an issue with a consumer like in the examples I gave above happened, we'd just future X-date the lead to the event falling off & typically close the deal then. If we're quoting an auto when the ticket falls off, you know his policy has a surcharge/lack of a discount until it renews. You've got the advantage now.

We try our best to be fair with bogus lead credits, but if we made a mistake, then I want to correct it.
Thank you.

 

[LGilmore]

I have to say Bob and HTQ is by far, the best at being reasonable about credits. But you as an agent have to do a bit of research too. You also should take advantage of the box on the credit request to explain why this is a credit request.

The few times I have had to call in, what was in the box worked just fine. To put how often I have to call in to get something resolved, with HTQ it is roughly a couple times a year. Some of the others whom I no longer buy from it was every few days. I can live with a couple times a year. Nobody is perfect out there as it is an ongoing process for everybody, but HTQ seems to be one of the most reasonable vendors I buy from. That is why they get my business.

While I would like Bob to add an "other" box to use for requests, because honestly some times they are simply way the hell out there and need to be explained because they are so goofy. Sometimes the reason doesn't fit neatly into one of those columns because it's a weird lead. While I have never not been credited for the weird ones, I would feel better having a box for those when they occur. Because sometimes they are too *&^^&** weird.

 

[VolAgent]

By "lie," what do you mean? For instance: If a consumer who filed bankruptcy 3 years ago, but just bought a home, puts down they have good credit, is that a lie?

If a consumer enters they have a clean driving record, but then you pull their MVR & find they have a violation in the last 3-5 years, is that a lie?

I've had that & more tell me this in person at my office many times over the years. The lead is filled out by the consumer to the best of their knowledge/memory.

On average, what % of leads do you get that the consumer lied? Also, I've seen posted here in this forum that QW does not give credit for this reason. Perhaps there are other variables in play? LGilmore/someone, posted that he proved the person was dead & QW wouldn't give them credit. [sorry, don't want to research at this time of the morning] Something about incentivized leads they wouldn't credit too.

Please if you don't mind, PM or email me your name so I can research your account. If my folks aren't handling things correctly, I promise to correct this for you.

But what I'm getting at is, one has to look at the big picture when working leads. In my agency, when an issue with a consumer like in the examples I gave above happened, we'd just future X-date the lead to the event falling off & typically close the deal then. If we're quoting an auto when the ticket falls off, you know his policy has a surcharge/lack of a discount until it renews. You've got the advantage now.

We try our best to be fair with bogus lead credits, but if we made a mistake, then I want to correct it.
Thank you.

To me it would depend on the severity of the lie. Or perhaps, is it really a lie versus the consumer having a different view of things? In both your examples, to an agent that is a stretch, to the consumer, just a little normal embellishment.

Now, if the person said they hadn't had an accident in the last year, but they had one a month ago? That is a bold faced lie. They indicate they have no health concerns, but got a terminal diagnosis last week? Again, a bold faced lie.

Also, to me any incorrect contact info is credit worthy. They have already started off by lying, while an agent should attempt to contact through the other methods given, the suspect has shown themselves to be just that, suspect.

Finally, I believe you should avoid asking questions in the way you did. Those questions invite a difference of opinion. Instead ask questions that elicit a clear answer, preferably yes or no.

 

[todd02]

By "lie," what do you mean? For instance: If a consumer who filed bankruptcy 3 years ago, but just bought a home, puts down they have good credit, is that a lie?

If a consumer enters they have a clean driving record, but then you pull their MVR & find they have a violation in the last 3-5 years, is that a lie?

I've had that & more tell me this in person at my office many times over the years. The lead is filled out by the consumer to the best of their knowledge/memory.

On average, what % of leads do you get that the consumer lied? Also, I've seen posted here in this forum that QW does not give credit for this reason. Perhaps there are other variables in play? LGilmore/someone, posted that he proved the person was dead & QW wouldn't give them credit. [sorry, don't want to research at this time of the morning] Something about incentivized leads they wouldn't credit too.

Please if you don't mind, PM or email me your name so I can research your account. If my folks aren't handling things correctly, I promise to correct this for you.

But what I'm getting at is, one has to look at the big picture when working leads. In my agency, when an issue with a consumer like in the examples I gave above happened, we'd just future X-date the lead to the event falling off & typically close the deal then. If we're quoting an auto when the ticket falls off, you know his policy has a surcharge/lack of a discount until it renews. You've got the advantage now.

We try our best to be fair with bogus lead credits, but if we made a mistake, then I want to correct it.
Thank you.

Bob to be more specific: I was told that if the auto lead had stated they owned a home, but in fact did not own a home that was not a reason for a lead being returned.... Was I told wrong? I'm in Texas. Out of 30 leads we purchased more than half had this issue. Quote Wizard has the ability to refund these types of consumer LIES. The good credit, I'm ok with them embellishing. The accident is another bold face lie as stated prior. It is not, oh I forgot about that accident that just happened last year.... They remember it real quick when I bring it up. If it's over a year old then I'm sometimes competitive so that's a hit or miss. But again, Quote wizard refunds me those leads. Not sure what everyone else's experience is with QuoteWizard but I'm getting an amazing deal with every auto lead filter and double my money monthly.

So not trying to Knock HTQ but your filters don't sit right with me spending $12 a lead when I can pay a telemarketer $12 an hr who will get me at LEAST one lead per hour that's exclusive.

 

[Bob Klee]

Bob to be more specific: I was told that if the auto lead had stated they owned a home, but in fact did not own a home that was not a reason for a lead being returned.... Was I told wrong? I'm in Texas. Out of 30 leads we purchased more than half had this issue. Quote Wizard has the ability to refund these types of consumer LIES. The good credit, I'm ok with them embellishing. The accident is another bold face lie as stated prior. It is not, oh I forgot about that accident that just happened last year.... They remember it real quick when I bring it up. If it's over a year old then I'm sometimes competitive so that's a hit or miss. But again, Quote wizard refunds me those leads. Not sure what everyone else's experience is with QuoteWizard but I'm getting an amazing deal with every auto lead filter and double my money monthly.

So not trying to Knock HTQ but your filters don't sit right with me spending $12 a lead when I can pay a telemarketer $12 an hr who will get me at LEAST one lead per hour that's exclusive.

Todd02,
Thank you for your response. Did you talk to your Regional Director about this issue? It was Joe Perniciaro I believe. That is way out of line & if you'd talked to him, I'm sure he would have looked into it to fix the problem. With a % that high, there definitely had to be broken code or something. People don't say they own a home, typically, when they don't. Something must have been mapped wrong in the lead. Not fraud or a lie...just a mapping issue on the lead I suspect. Please, give me a call or email me so I can look at your account. That is not acceptable & should have been fixed.

Thank you,

Bob

 

[agentinsouth]

Years ago internet leads used to be good. However, now there are so many agents and lead companies going after the same market, I don't see how it is a wise use of time or money.
I know one guy whose close ratio 3 years ago was 33%, 2 years ago was 16%, and this year he is running a 6% close ratio.