Insurance Agent Forum

[somarco]

Dentalinsurance.com is a ripoff. I looked for a dental quote engine and found dentalinsurance.com. After more than a month of checking them out and negotiations, I decided to put their link on some of my sites.

One month later, no sales. Two months later, no sales. I checked it after 6 months and had about 1,000 quotes and no sales.

So I contacted them.

A week later they said I actually had 6 sales. This figure is still low, but why don't they show up on my back office reports?

A week after that they sent me a spread sheet showing 5 Humana dental sales and one other sale.

All but one of the sales were in Georgia.

So where are my commissions?

Three weeks later, after countless emails and excuses, they finally paid me $17.

The Humana sales should have generated close to $200 for the first month alone. So where is the rest of my money?

They keep it.

[dasvar]

I had the same results with 2 other sites-no sales. Now I have brought a discount dental plan online to see what that yields, thinking maybe the economy can generate?

[TXINSURANCE]

I'm more impressed you had 1000 quotes. Dental always converts low. People have current issues and want everything covered for next to nothing.

Not a huge proactive dental insurance market stand alone. Paired with health is another story.

[somarco]

My DPBroker link didn't generate as much traffic but usually converted 3 - 4 sales per 100 impressions. I get a fair amount of calls about dental, most wanting coverage NOW. I walk them through the benefits of the Humana dental plan. Seems fine until they realize they have to pay for it now and it won't be effective until the first of the next month.

Discount plans are OK but don't seem to get much play.

[Alston]

My Connecticut site used to rank very well for "Connecticut dental insurance" and some related keywords.

I "un-SEO'd" the keywords. I wasted too much time talking with people who only wanted dental.

I wound up "un-selling" most of them. They expected that a standalone dental insurance policy would be as good as the one they used to have through their employer. That will rarely be the case.

The commissions I did get from the clients I wasn't able to "un-sell" or that were actually able to benefit from the product weren't worth the time I spent answering questions.

Dental pays what? about 20% of of the commissions you can get from health? I found it to be a waste of time.

On the other hand if you need traffic and are sitting around twiddling your thumbs because the phone doesn't ring, you might want to promote dental. You might be able to upsell a few people and make it worth your while.

[somarco]

Dental is best sold to employer groups face to face. I know some folks who do very well in that field, but it takes a lot of time to generate a decent revenue stream.

I put up a site in hopes of picking up some "found money" as well as leads for health insurance. The site was a flop but links on my primary site (and a few others) have generated some business but not enough to pay the rent.

I have a good friend who believes there is no money in selling term life insurance. As such, he has missed a lot of opportunities and income over the years and is a very grumpy guy since very few folks buy permanent insurance except in unique situations such as estate liquidity or business agreements.

Those of us who have been around a while know there is always money to be made when you can find a need and fill it with the right approach and a good product. I am still tweaking my dental insurance page in hopes of generating more dental commissions and ancillary health insurance business.

[CHUMPS FROM OXFORD]

I strongly considered building a dental website. I bought a few domains, but after talking with Bob and a few others, I decided to just add to existing sites.