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Excuse me for being completely selfish for a minute but i’m just being honest.

i’m almost 17 and i’m already in college in the honors program and have a 4.0.

i can play the guitar piano and i sing.

My oil paintings are being sold for thousands.

i care about my charecter and volunteer 3 days a week at a retirement home.

My whole summer is spent at a kids camp.

i lead worship sing in my choir and lead a Bible study.

Yet i have acne and i’m not skinny and pretty anymore so deep down i feel like a toltal faliure.

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The Hard Facts You Should Know About Internet Insurance Leads


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Home Page > Advertising > The Hard Facts You Should Know About Internet Insurance Leads

The Hard Facts You Should Know About Internet Insurance Leads

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Posted: Jan 20, 2010 |

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No matter the business or social sector, the Internet has made an impact. The insurance industry is no different. More and more consumers go to the Internet first for all of their needs. Today people search the net for the best insurance rates, and many people purchase new insurance plans directly online. This is a good thing for insurance agents and customers alike, because the Internet allows these two groups to easily make contact with each other. Internet insurance leads are the new way to sell insurance, and any savvy agent is already taking advantage of them. If you are new to the insurance industry or if you are still relying on older methods of insurance lead generation, then you should seriously consider the benefits of internet lead generation. Not only are online leads easier to manage, since they are already on your computer, but they are perhaps the quickest leads you can possibly get. The quickest and simplest of ways to take advantage of internet insurance leads, is to simply purchase them from a company that specializes in collecting and selling them. There are several companies like this. They offer quality insurance leads. These leads are made up of people who have expressed an interest in insurance. Many of them are hoping to be contacted by an agent as soon as possible. Many of these services will tell you a lot about a potential client. Some will even give you a preview of each lead before you buy. This is great if you are a first time buyer and are just testing the waters. You can purchase as many leads as you want and the cost is usually quite reasonable. As you can imagine, with unlimited insurance leads, you have unlimited potential sales. A second way to take advantage of the Internet, is to collect insurance leads yourself. You can develop a website, which will collect lead information for you. For instance, you might have a form for interested people to fill out. They could indicate what sort of policy they might like and if they would like a quote. This is a fantastic way to increase business. These leads are much like people who walk through your door; they are interested in insurance and they want you to help them out. However, you will have much greater exposure online. This method will give you similar leads as those sold by insurance lead brokers. The cost up front is greater because you will have to build a website, but from then on your leads will be free. These are the fastest growing methods of insurance prospect generation. If you feel your business needs a boost, then taking advantage of the Internet might be what you need to do. Try buying internet insurance leads first, just to get an idea of the potential. If this works for you, then you might want to consider developing your own lead generation web site.

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The Insurance Lead Guru -
About the Author:

At Top Pick Leads we know that Internet Insurance Leads can be a tried and true staple of a successful insurance agent’s business.

They can lead to a lucrative source of income or they can be a costly drain on your budget. Which is why we have reviewed the major online insurance lead program providers. Visit our site now to find out who we chose as our TOP PICK providers.

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Right now my life is the shittiest it has ever been. so im just looking for some advice from other in what to do about everything. ive seen many therapists my whole life and i have some other people i can talk to about all my problems but im just looking for a little more.

So its all started a little more then 2 months ago when i got searched in school and they found pot on me and since it was in individual baggies they thought i was trying to sell it. as a result of that and the upcoming court case i have i checked myself into a youth rehab. this was very had for me to do because i have a girlfriend that ive been seeing for 7 months now and i love very much. the rehab was a 28 day program and i was there for 50. i thought me being there would allow me to come back to the school. which at one point they were going to allow me back in after completion of the program. but now they are not. the school is now requiring me to go to a long term program or an alternative school in order for me to come back. im open to the alternative school but i will not go to a long term program which would be anywhere from 1-2 years. the main reason is because of my girlfriend who i am madly in love with.
which is another issue im having. on one the days i was suppose to be discharged from the rehab. they got a drug test come back which showed that i smoked so they kept me for 5 more days. i was later released because it turns out the lab messed up the drug test. but in those 5 days my girlfriend got drunk and cheated on me with a friend of ours. when i got out of rehab i did a partial program where i only went for the day and she cheated on me again during one of those days. when i found out about this i was mad but i knew that i needed to talk to her about it and try to understand why it happened. we talked for hours and she only did it because she was lonely and drunk, she missed me and the first time she thought i cared about the drugs more then i cared about her. she promised never to do it again and she begged for me to forgive her. i said i would forgive her as long as she promised to not see him for a few months and promise me it never would happen again and if it did happen again she would know now that it meant the end of our relationship. she agreed to all of this and things have been going better. but the problem is that she has seen him a few times since we agreed to this. i don’t think anything has happened tho sexually because every time they were together my best friend was with them and my friend promised me nothing happened but she lied to me cause she said that she wouldn’t see him anymore. and what lead me to write this today is because after a huge argument with my parents (which ill talk about next) i was driving to my dads house and i saw my girlfriend and the guy she cheated on with in his car driving the opposite way. so i called her and asked her what she was doing and everything. and she assured me that nothing was going on she was just bored and didn’t have anyone else to hang out with and she would come to my house as soon as she could. so when she came to my house we talked about all this and i didn’t want to make it into a big deal so i just asked if we could forget about it and move past it, and she agreed to. bare in mind that my girlfriend has bipolar disorder and might also be a sociopath.

the other issue is my mom. she’s my legal guardian but we have a horrible relationship. since my parents got divorced she started verbally abusing me at a young age. which lead me to develop depression and lead into 2 suicide attempts and me cutting myself. i have been seeing therapists about this issue for 8 years but when ever we talk to my mom she refuses to see how she has done anything wrong. and refuses to change in order to better your relationship. when i was smoking weed the depression would go away but now that i’m sober i’ve been feeling that depression coming back and its so much worse then it was before. i haven’t had any suicidal thoughts or actions but i feel the worst i have ever felt in my life. i keep asking if i can live with my dad but shes making it as hard as possible for me. even thought i know it would be best for me. my dad is the only person i can talk to about things comfortably and i know that living with my mom is not helping my sobriety.

so what do i do about all this. My girlfriend. My parents. The school. My depression.
ok just so some people know. i want to go to the alternative school but my mom just wants to send me away, so i have on choice. second im not going back to drugs, i have 60 days sober tomorrow. third i know my girlfriend cares for me. she has emotional problems and acts on impulse, and i want to see my therapist more but she doesnt think she can help me any more and i dont know who else to. Third please, please do not tell me to accept god. i respect your views and im glad that accepting god works for u. but i dont see how god is real. also please dont turn this into a thing to prove that god is real or try to convert me or anything

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corals, saltwater, fish, invertebrates all of them.

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* Quality and Value Oriented – Acting in the best interest of NOW customers, NOW endeavors to produce the highest quality products at competitive prices. NOW’s first priority is to maintain quality where it counts the most – in the products. NOW’s exceptional cost-conscious team of employees then focuses their energies on driving costs down. Nurturing this competency of value drives NOW’s ability to provide high quality products at the very best prices.
* Natural is Better – NOW is convinced that natural products are better than their synthetic counterparts and produce better results in human health. Therefore, wherever possible, NOW strives to provide products that contain natural ingredients because they are better for their customers.

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NOW’s experienced professional and technical staff formulates their products to be of the highest quality. NOW has a group of biochemists, chemists, nutritionists, and food technologists who review current science and nutritional parameters, and formulate our products to be effective for the intended use. NOW’s structure/function claims are based on science for active ingredients, and on nutritional science for nutritional content. Serving sizes are based on doses from clinical studies and other published data. NOW’s contemporary formulas are designed to meet the health and wellness needs of today’s consumers. NOW uses ingredients that have been tested for effectiveness in clinical trials and laboratory studies. The heart of NOW science is third party independent research. NOW investigates and review clinical studies and other lab studies:” “:test
Sorry I’m bored :(

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GEOEYE BEGINS SELLING IMAGERY FROM ITS NEWEST SATELLITE

By TURNER BRINTON
Space News Staff Writer

WASHINGTON — GeoEye has begun selling imagery from its newest and most capable satellite to non-U.S. government customers following an extended test and checkout period during which the spacecraft experienced pointing problems due to a software glitch, according to a Feb. 5 press release issued by the Dulles, Va.-based company.

Sales of GeoEye-1 satellite imagery have yet to begin to GeoEye’s biggest and most important customer, the U.S. National Geospatial-Intelligence Agency (NGA), but company officials expect that to happen over the next few weeks, the press release said.

GeoEye-1 was launched Sept. 6, 2008, and is touted by the company as the world’s highest-resolution commercial imaging satellite, capable of distinguishing ground objects as small as 0.41 meters across. The NGA financed $237 million of the satellite’s $502 million in construction and launch costs under a program called NextView, which also funded a similar satellite built by GeoEye competitor DigitalGlobe of Longmont, Colo.

GeoEye originally expected its satellite to become operational around 45 days after launch, but on-orbit testing revealed a problem with the software interface between the satellite and its star tracker system, which allows it to properly orient itself in space. The problem affected GeoEye’s ability to precisely determine the ground location of GeoEye-1 imagery. The software glitch, coupled with programmatic and launch schedule issues that delayed GeoEye-1’s launch by a year and a half, resulted in a down year for GeoEye, which through the first nine months of 2008 had a 23.6 percent decrease in revenue compared to the same period in 2007, according to filings with the U.S. Securities and Exchange Commission.

GeoEye currently derives most of its revenue from sales of imagery from its aging Ikonos satellite, launched in 1999, which is less capable than GeoEye-1.

In the press release, GeoEye Chief Operating Officer William Schuster said GeoEye-1 was built to “extremely exacting requirements” that proved difficult to meet during the satellite’s test phase. “Additional improvements can still be made, but we have succeeded in attaining our performance objectives,” he said.

The company has thus begun selling GeoEye-1 imagery to government customers in Europe, Asia and the Middle East as well as commercial users. GeoEye is submitting the latest GeoEye-1 imagery to the NGA for certification, which is expected to take a couple of weeks, company spokesman Mark Brender said in an interview.

Once GeoEye-1 imagery is certified for use by the NGA, which procures commercial imagery on behalf of U.S. military and intelligence community users, GeoEye will begin receiving payments of $12.5 million per month for one year under a contract modification signed with the NGA in December 2008. After that contract expires, the company and the NGA will have to negotiate a new contract if sales are to continue, Brender said.

Meanwhile, GeoEye is pressing ahead with plans for its third-generation imaging satellite, GeoEye-2, which will be similar to its predecessor but have some increased tasking capabilities and better ground resolution, Brender said.

The company has ordered $28 million worth of long-lead components for the GeoEye-2 sensor from ITT Space Systems of Rochester, N.Y., which built GeoEye-1’s imaging camera, Brender said. GeoEye has not said whether the GeoEye-2 satellite platform will be procured from General Dynamics Advanced Information Systems of Gilbert, Ariz., which built GeoEye-1. GeoEye anticipates launching the satellite as early as 2012.

The U.S. government has yet to make clear whether it will underwrite construction of additional commercial imaging satellites as it did under the NextView program. Pentagon plans last year to build up to two commercial-class imaging satellites to be operated by the U.S. National Reconnaissance Office and serve military and intelligence users were squashed by Congress. The Pentagon has not yet revealed the details of its budget request for 2010.

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Please tell me the main details and what this article means and what it is saying.
I’m doing this news and I need to know what’s the deal with this article.
:) thank you.

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Everywhere I look, I keep hearing people talk about how the government should just let Ford, GM, and Chrysler die. My question is why would anyone ever wish for that to happen?

I’m a big fan of Capitalism, I adhere strongly to the belief that companies should be held accountable, however, in the situation of GM, Ford, and Chrysler, I honestly think the government needs to step in. The government needs to protect itself from foreign influences and it needs to protect its key core businesses from international takeover.

We all know that the Japanese government helps out its car industry like Toyota, Nissan, Mitsubishi, they have very good government backing therefore they are very strong. For instance, you would never see a foreign company being allowed to buyout Toyota Motor Company even if that hypothetical company could afford it, why? Because the Japanese government would never allow it, just like France would never allow Boeing to buyout Airbus.

This lead to an unfair marketplace for the American Auto Industry. Now, had our government stepped in and supported our Auto Industry, I think the industry as a whole would look so much different today. Unfortunately it didn’t and GM, Ford, and Chrysler were forced to focus on SUV’s because that’s what sold during the 90’s, and unlike Toyota, GM, Ford, and Chrysler, did not have the deep pockets to fully support next-gen passenger car program as well as a money-making SUV program. And as you know, money is necessary to maintain future operations, so GM was forced to devote most of its resources to making the cars people wanted to drive at the time.

Had the Big 3 had government support/aid during the 90’s perhaps we would have gotten a vehicle like the 2008 Malibu and CTS much earlier. However, if GM had decided to focus it’s attention on the cars that it needed rather than the cars that people wanted, it would have quickly gone bankrupt.

And right now as we speak rumors of bankruptcy are heard throughout the market place, as well as rumors of the end of the Big 3.

This would be one of the worst things to happen to the American Economy during a good economic period. If it happens now in our current economic state, it will be disastrous.

GM directly employes what, about 200,000+ (maybe less since all the recent layoffs) and I know Ford and Chrysler employ quite a few workers as well, but let’s focus on GM.

So if GM dies, that’s 200,000 for the unemployment office. However, that number doesn’t include those that will become jobless as the result of the domino effect a GM bankruptcy will have on other companies.

GM has the most dealerships with it’s many different brands, if these were all to suddenly close, we can add more people to the unemployment line. In addition to dealerships, many part manufacturers have GM as a primary customer ( think American Axle, Allison, Eaton, Delphi, Bose, AC Delco, etc), then there are those companies that contract with GM for vehicle delivery,etc. And as a result of this sudden unemployment, forclosure rates could go up at an unprecedented rate as those no unemployed can no longer afford to stay in their houses.

A GM bankruptcy wouldn’t just affect GM workers and GM Fans, it would affect the jobs of a lot of people around the country. If you thought our current unemployment rate was high, a GM bankruptcy would make todays numbers look small.

In fact, a GM bankruptcy wouldn’t just affect American workers, but workers in Canada, Britain, China, India, all places where GM has factories.

People blame GM and other companies for building factories in other countries and bringing those cars here, well, who can blame them? With UAW fighting for $25+per hour wages for High School educated people, I’d move my factory to a place where I can pay the people what they truly deserve to be payed rather than what some labor union tells them that they are entitled to be payed.

The government really needs to step back and take a look at the bigger picture regarding the Big 3. A decision regarding a “bailout” of the Big 3 will either make the presidency of whoever wins in November, not to mention it may make or break the future of our country as an economic/world power.

Perhaps the old say really is true, “What’s good for General Motors, is good for America”.

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Online industry is blooming with new branches and buds growing very fast. Online advertising, affiliate marketing, e-mail marketing, search engine marketing, search results advertising and many more, have grown to render it an inspiring status. From dawn till dusk and dusk till dawn, it grows and expands in one of the regions of the world.

There are primarily two groups that are nourishing the online industry like never before. They are the web developers and the owners of the web sites.

Web developers have increased their pace and efforts to develop user friendly and business oriented tools and applications. Such tools and applications have a widespread demand in the industry. Web based business platforms are being developed with entirely news set of features and better interactive platforms.

So far as web site owners are concerned, they have been occupying themselves with online advertising and marketing programs. Quite popular are the affiliate programs which help the owners to promote for the advertisers. The programs affiliates do opt for fall under a number of categories. Each kind of programs has its own distinct features.

The sales and lead generation programs affiliates have been signing up for, have endowed the site owners with great rewards. The price they pay for affiliate’s resource and efforts is the best in the industry. It is because of this reason that the affiliate programs sell faster than online advertising programs.

Earlier, pay per click or PPC campaigns were notorious following their incredible success and acceptance in the industry. But today the advertisers have gone beyond PPC campaigns and have developed hybrid models to capitalize fully on the opportunities. Site owners are pretty much happy with the new changes as it has helped them to improve their conditions.

Whether the web experts are advertising for popular brands or just doing program affiliate for the local ones, the web is witnessing tremendous activity. It has come out of the age where information sharing was considered to be the most important concern. In the present day world it caters to such areas of interest like knowledge sharing, information exchange and storage, trade and commerce, etc.

Author: M Wali is an expert author of Rupiz Affiliates, a leading affiliate network that caters to global audience. Which is into program affiliate, search engine optimization, online advertising, affiliate network.

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The set consists of 53 lead soldiers, and 10 transportation pieces (ships, train cars, etc). Now what I’m trying to figure out where they are from, what their value is, and where and how I would go about selling them. Are there any suitable websites with information about antique lead soldiers? or a suitable website to sell them? Any information is helpful, thanks!

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Sincere Selling leads to Outrageous Results!

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As the question says, I’m thinking about becoming a salesman for Western Southern Financial. One of the methods they use is to call on family and friends to build a client base. The problem is, I come from a very poor family who wouldn’t be able to afford insurance if they wanted to. Would it be probable/worth while for me to buy leads?

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The Financial Services Authority have finally announced their plans for Sell and Rent Back Regulation. From as early as July 2009 Interim regulation will begin and it is envisioned that the Industry will be fully regulated by the second quarter of  2010.

Although the vast bulk of companies who offer Sell and Rent Back Schemes do so in a fair and ethical way the new regulations are designed to protect vulnerable homeowners from unscrupulous operators. 

The new Sell and Rent Back regulation will force any companies who wish to offer these schemes to register with the Financial Services Authority and prove they are fit to operate. There will be checks on the backgrounds of the owners of companies and they will have to prove they have sufficient finances in place.

In general the proposals are welcomed by the industry a spokesman for the leading Sell and Rent Back comparison site www.comparepropertybuyer.co.uk said “Its about time the industry was properly regulated, at the moment a few bad apples are giving the whole industry a bad name, the sooner they are rooted out the better” 

Regulation has been in force for several years in the Home Reversion Industry and has succeeded to a large extent in protecting elderly people, it is expected that Sell and Rent Back regulation will have similar benefits for people of all ages who are considering such Schemes. 

Sell and Rent Back regulation will have numerous benefits for consumers. In particular companies will have to show transparency in how they value properties giving homeowners the option of an independent valuation. Sell and Rent Back regulation will also protect peoples security of tenancy, companies will be forced to honour any long term rental agreements that they give. 

Sell and Rent back regulation will also stipulate that companies tell clients that they can get free independent advice before they make a decision.

 You can find out more about Sell and Rent Back Regulation on the Office of Tradings Website or at the independent comparison site www.comparepropertybuyers.co.uk

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Studies revealed that many small business owners now are faced with the concern of not having qualified prospects.Of course, they would like to have the high-quality ones. It’s only a matter of not having the right skills or not having enough time to do it.

In any industry, there are many potential lead sources that can be tapped to supply your business with good quality leads you need to keep it running. Some are simple and pricey; some are more involved than the rest. Some might only produce a few leads while some can give you a lot. But if you know what to do such as to reinvent your current lead generation system and to revise the lead generation programs, generating leads can be such a breeze.

Concentrate On Your Best Asset

The fastest way to build your business is to concentrate on your best assets. A lead generation process pegged on this technique – targeting the best clients, those who have the highest contribution to your revenues – has helped a lot of businesses and has literally exploded their revenues in less 18 months or less. This strategy is direct, simple, not costly and most of all effective. You can opt to buy from lead brokers and lead-selling companies but that I don’t suggest as these companies sell the same leads to different people who want to have a consistent source for new buyers and customers. Needles to say this will not help you at all.

To take advantage of the technology is the best strategy. One of the most efficient Internet strategies in lead generation is Pay per Click marketing. The system allows you to access the searches occurring in your niche and allow you to place your site right in front of your customers, who are looking particularly for your product.

Empower Yourself and Advertise

Another and the most effective strategy that you should also have in your lead generation programs is acknowledging the power of advertising. Recent studies claim that half of all purchasing is fuelled by advertising like article marketing, social media marketing (done the right way), blogging,…. Advertising is also one great technique to create leads that a company can readily use. Besides that, it is also a perfect means to create your name and brand recognition in the market which can help in your publicity, viral marketing strategies and other great benefits.

Go for Referral Marketing

Lastly, referral marketing is also an all-time tested lead generation system. It creates steady streams of prospects for clients. Not to mention that referral-generated customers are the most profitable, cost efficient and long-standing source of new online business leads. They also tend to be faster; purchase in large quantities and refer more business in turn.

Learn How Elmar Sandyck Has Successfully Built A Truly Profitable Online Marketing Business Through The Use Of The Most Up To Date MLM Training And Visit : http://www.InternetMastermindStrategy.com

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Selling leads reflects the very initial stage of any sales process. It refers the identity of an entity which has the potential of buying a particular service or product. The sales lead may own any sort of business associated with the persons. If you are looking to buy sell leads, it is not that difficult as it can be done via direct marketing, trade shows, and advertising or by cold calling by a sales executive.

However, it is not easy to know how buy sell leads can be a prospective way for enhancing business scale and especially when it is not an easy task to convert all sales lead into profit. This is why and hence every person who buys a sales lead should be assessed for performance. As sales leads are pivotal for any business so it’s important to buy effective ones to serve the purpose. One must be very careful that the leads which they are buying should have enough potential to give the best desired results.

When it comes to buy sell leads, knowledge of the products is very important since this is the way through which sales persons can make the product interesting to a potential customer. If the product is well understood, the company experiences good coordination between the marketing and sales departments, which helps in the conversion of the sales leads in prospective sales.

Information about buy sell leads is catered via emails, telephone calls, or web portals. In order to increase your sales in the business, you need to buy new sales leads. The easiest way is to get started through online. The important factor while opting to buy sales leads online is the fact that you have to make very less efforts! All of the work is already done. Basically online you can hire a professional company and instruct them what you want. To do this, you need to investigate properly that whether the company which you are hiring is good enough to buy good and prospective sales leads or not. Thus a lot of risk is involved in it. This is same as what the work you have to do offline, after getting the sales leads you need to convert those leads into sales.

Another way to buy sell leads is telemarketing or cold calling, which is considered as the effective method to get new client base. But, nowadays, most of the people do not want unsolicited calls. This way is successful when people answer positively after convincing them to give the best product or service.

When you buy sell leads, make sure that you handle them with utmost alacrity lest you may have to face the bad results. It should be done in such a manner that it qualifies as a sales prospect, which can be evaluated. Therefore, it is important to validate the applicability of the product or service which is being offered. After appropriate evaluations, a product can be termed as a prospective lead, which can be fruitful for a business.

Also, the primary purpose to buy sell leads is to protect the potential consumers. Only because of this reason most of the companies investigate and collects all the relevant and necessary information about the leads before using them for their profit.

Emily Ralph is an independent small business consultant who advises and counsels small business owners and helps them. To access more information about small business manufacturer, Free Tenders and Buy Sell Leads visit http://www.hellotrade.com

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(Begin copy and paste)….
WASHINGTON (Reuters) – Leading U.S. senators reached an agreement on Thursday on an immigration overhaul that would fortify U.S. borders and grant lawful status to millions of illegal immigrants, a move that could lead to a major legislative victory for President George W. Bush.

The agreement sets the stage for what is expected to be a passionate Senate debate over the proposal, which would give an estimated 12 million illegal immigrants legal status, create a temporary worker program and establish a new merit-based system for future immigrants.

“The agreement we’ve just reached is the best possible chance we will have in years to secure our borders, bring millions of people out of the shadows and into the sunshine of America,” said Sen. Edward Kennedy, a Massachusetts Democrat who helped lead the bipartisan talks that included Sen. Jon Kyl and administration officials.
(End copy and paste)
Do not be sold out! Protest now!!!!

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You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars – others are over one-hundred a pop.

I was curious, just how good are these insurance and annuity leads? I decided to find out.

I’m not going to name specific insurance and annuity lead websites, but I will give you a summary of how it all shook out.

Insurance and Annuity Lead Website A:

Cost: Cheap

Results: Terrible. 10% of the leads my staff called got number no longer in service recordings. The rest: the people had no idea what we were talking about. They were not interested in annuities, insurance or investments, nor did they remember filling out a request for information form on the internet.

Sales: 0

Insurance and Annuity Lead Website B:

Cost: Average

Results: Terrible. Prospects didn’t recall filling out request for information on anything related to annuities, insurance or financial planning. Most just hung-up.

Sales: 0

Insurance and Annuity Leads Website C:

Cost: Expensive

Results: About twenty percent remembered filling out a request for info. However, they had been called numerous times by different agents. Most were getting sick and tired of the calls. A few had begun working with other agents. Most hung-up angrily.

Sales: 0

I spent two-thousand dollars on this experiment. I did not find one-receptive buyer. I had thrown away my money, not to mention time spent by my phoning staff to contact these “hot prospects”.

What the heck was going on? How could these websites sell such garbage?

I poked around, wrote a few e-mails to ‘industry experts’, not surprisingly, nobody got back to me. Luckily, I did end up making contact with a marketing person who had previously worked for a big lead selling outfit. She gave me the juicy details of how the majority of these lead companies operate, whether it is insurance leads, long-term care leads, annuity leads, or MLM/Work-from-Home leads. They all employ the same methods.

Method #1: You send cute E-card to your mother wishing her a happy birthday. You fill out name, e-mail and click send. Your name and e-mail are captured. If the site is a lead harvester masquerading as an e-card site, you will now be e-mailed by people looking to sell you annuities, business opportunity offers, etc.

Method #2: Leads site buys huge database, often just regional phone book listings. They sell these ‘leads’, which are nothing more than names and numbers picked from the phonebook. Some of these people may even be on the Do Not Call list, which could land you in hot water.

Method #3: Harvesting leads from search engines. Often these leads are quality, but are expensive to capture, so the leads companies will sell the leads over and over. By the time you buy the lead, it could have been sold twenty times. Sometimes you’re the first to buy and you will find some quality prospects, more often you’re not.

Method #4: Internet robots crawl web sites hunting for e-mail addresses associated with insurance and annuity content. Somebody might be inquiring about annuities on a newsgroup or forum, next thing they know they’re getting offers from annuity companies. The Annuity Lead companies don’t let you in on how they’ve harvested the leads. It’s called spam and you could get in serious trouble for contacting these people unsolicited.

My contact did say there are decent leads sites. She said to check their policy to see if they guarantee the leads. Keep in mind, just because they have a guarantee doesn’t mean you’ll get your money back if the leads fail to produce results. But often sites with some kind of guarantee are sites that harvest only quality leads and only sell them once.

If you’re still of the mind to try internet leads my advice is to try just a few. Don’t buy into a huge program that requires a minimum monthly or a large upfront purchase. Experiment a little with a cross-section of sites. Who knows, you may find one that’s legit that’ll help you make some money.

Know more about Insurance leads Services at http://www.insuranceleadservices.com

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