Make Money with Financial and Insurance Affiliate Offers

There are many financial products for savvy affiliates to include in their stable of performance properties. The financial field is pretty crowded; there are banks, investments like stocks and bonds, mortgages and the related field of home equity loans, and of course there are credit cards, consumer and auto loans, it’s a large, diverse field. How will you evaluate financial products to ascertain where your efforts are most likely to pay off and earn big pay-outs? Find out what everyone needs!

WHO NEEDS FINANCIAL PRODUCTS, AND WHICH ONES DO THEY NEED?

How big is the audience for financial products? Ask your friends and family and you’ll soon find out everyone needs financial products. But which ones and what drives them to those products? That’s the million dollar question. At different points in the average person’s life they will require different financial products. Just consider the recent college grad consumer: they are just getting their lives started, moving and setting up their own first homes so they actually need a lot of financial products including help paying off or refinancing their student loans, they need credit cards and checking accounts, they are starting their careers and need financial advice, buying their first car means they will need auto loans and auto insurance, these are just a few common financial products you can easily market to this audience.

As your typical consumer ages and marries they begin to need mortgages, retirement funds and insurance, especially life insurance. As this consumer starts a family their financial product needs take off. They need a home, so there will be realtors, mortgages, and home improvement loans so they can have their dream home. They will want to plan for the future with 401K’s, retirement plans, lawyers and wills, health, dental and vision insurance plans, supplemental insurance and for those who can afford vacations, travel insurance. They probably want to send their kids to college so their needs will also include 529 Plans and other college savings plans. And I haven’t even mentioned the most commonly purchased investment – insurance.

Speaking of insurance… There is life insurance, automobile insurance, health insurance, even more varieties within each of those categories. Yes, that’s right; your head is spinning at the choices within the Financial Marketing segment. I’ll try to help you narrow it down a bit with some pertinent information about life insurance as the perfect financial product for you to affiliate with.

LIFE INSURANCE IS ATTRACTIVE AS AN INTERNET OFFER

From the point of view of the consumer the internet is the best thing that ever happened to insurance. Insurance is a natural commodity begging to be sold on the web. It is an intangible with no shipping problems, no backorders, and no inventory issues. Those same advantages are even bigger advantages to you, the affiliate marketer. Here’s a product you can advertise and never hear from the merchant that there is a limited supply. Backorder and inventory constraints never exist.

When you stop and think about it, insurance is the perfect affiliation product, financial or otherwise, for you to advertise. It doesn’t go out of style, have manufacturing problems or any other delivery issues. There are some technological advances, like term life insurance that doesn’t require a physical (No Medical Term Life Insurance) or insurance that doesn’t require a life insurance agent, but by and large the product is both mature and yet continues to be useful to new generations on a constant basis. Yes, life insurance is somehow both pedestrian and sexy all at once!

HOW DO CONSUMERS SHOP FOR INSURANCE AND WHAT DOES THAT MEAN TO AFFILIATE MARKETERS?

According to the August 8th, 2005 article called “Who Researches and Applies for Insurance Online?” By Bruce D. Temkin with Peter Hult and Allisson Mensing there are different demographics for insurance shoppers depending on age, net-worth and what region of the United States you live in. In this document the authors find that 17% of US households applied for auto insurance during the past year. Among those who applied for insurance, 27.8% used the Internet during part of the buying process, 10.5% just researched online, 3.2% just applied online, and 14.1% both researched and applied on line. The group that tended to use the internet for both research and to apply on line was the middle of the pack in age, income and investment assets. What does this mean to you, the affiliate marketer? Since all age groups used the internet for some stage, research, application or purchase, it means you’ll probably be able to find these consumers hanging out waiting for your ads, or your content driven website.

THE HUMAN FACTOR IN SHOPPING FOR LIFE INSURANCE

Who is the most likely candidate to click on your ad and shop for life insurance? The typical life insurance consumer is experiencing one of several life events that drive him or her to seek the security that owning insurance brings. Consider these events and the many ways to market to this type of consumer: the typical insurance shopper is just married, starting a family, buying a home or a combination of these three major life events. Does your affiliate program cater to Moms and kids or weddings and brides, or mortgages and real estate agents? Bingo, you have a ready made audience that wants to have life insurance marketed to them! Now, which life insurance will you choose to affiliate with?

WHAT IS TERM LIFE INSURANCE?

Life Insurance comes in a few different varieties, but the type that sells the most is Term Life Insurance. Why is that? It’s the most inexpensive way for a consumer to insure his or her life for a period of time. With term life insurance the consumer buys 10, 20 or 30 years of insurance, which covers their family in the event of their untimely death during that period of time. They pay for this policy monthly or annually and only while they need it. Why is this important to you as an affiliate? You want to market something that is well accepted, a standard, easy to sell and in demand, right? Well, that would be term life insurance!

BUT I WANT SOMETHING UNIQUE OR EXCLUSIVE!

So life insurance, and term life insurance are commonly purchased products, meaning that demand it always out there, that’s good right? If you’re searching for something that will make that dull but necessary product unique, you’ll need to do your homework. Is there someone out in the world of insurance selling their product differently? What does the consumer have to do to buy insurance? Most of the time, to purchase a policy the consumer has to talk to an insurance agent, which many people would rather not do. Additionally, there are medical tests that usually have to be run. And again, people don’t want to do that, they want a simple product that they can purchase online with no moving parts – Doctor visits, Agent calls – and that product would be more unique than the rest of the term life insurance offered on line today. So do your homework and find the product that will make most consumers sit up and take notice.

NOW LET’S WRAP IT ALL UP

In conclusion, there is an endless variety of financial products for affiliates to market. The choice of product should come down to which one you can most successfully market to consumers. If you select a product with an audience you are already attracting, you’ll be closer to earning the additional revenue you seek. Remember to find a product that has a wide audience – people really need it! And that product should be easy for your consumers to find out about and purchase. Does the site look easy to use to you? Once you’ve found the right product, the field of finance won’t seem quite so frightening to you, after all, it’s just another place for a savvy affiliate to make money.

Cruise Vacations Tips and Tricks For a Problem Free Vacation

Solo vacationing is out, Group vacationing is in.

It can never be said that vacationing isn’t a fantastic adventure and loads of fun but it becomes much more fun if you go on a group vacation. This will add extra adventure, excitement and even some bonding! It could also mean shared costs… but that’s not an over-riding priority.

When I say group, I mean family members, fellow club members, friends, or even work colleagues. No matter what the size of the group, or the age of the group members, your vacation will surely be one for the record books… one to remember.

Organising a vacation just for you should be quite simple most of the time but it can be lot harder than you can imagine. Lots of problems can crop up and you need to be up to the task and flexible to avoid a vacationing disaster. Done properly, a well planned vacation that goes smoothly from start to finish will give you a fantastic feeling of accomplishment.

Let’s talk about cruises. They are arguably the most difficult holiday to organise.. especially for a group. There are many pitfalls to being a cruise vacation organiser… so lets review what you need to do to make the cruise run smoothly.

You first need to select a reliable travel agent who specialises in cruise trips. He/she will have encountered most problems before and will be able to guide you effortlessly when you start to organise your cruise. Check the travel agent is insured! You never know!

The travel agent and yourself will then go through researching cruise ships, transport to and from the ship when arriving and leaving the ship, and for shore trips that are part of the overall vacation. You need to know your group when starting this. You are going to have to fulfill most of your groups requirements so prior knowledge of your group is essential. When the type of cruise has been selected, and the needs of your group have mostly been catered for, then you look at the price range of the cruise shortlist.

Having done all the research, and selected a cruise that suits most needs of all the group, sign up for the cruise. At this point its an imperative that you keep a copy of the travel agents contract with you. Also ask for and study the insurance package. Make sure it has everything covered. Keep a copy to hand. Have a detailed copy of the cruise trips itinerary, any accommodation reservations, and as much other information as you can gather. Too much is way better than too little!

Regarding the shore trips we just mentioned.. make sure you have complete copies of all arrangements, time, dates, transport, seating etc. If this is a little bit too much for you, as you also want a vacation, ask another member of the group to take charge of this when you are on the cruise. It will free up some more valuable time for yourself.

A point to mention here.. Cruise liners shore trips can sometimes be joined by people not part of your group or the cruise. Make absolutely sure that any shore trips you organise for your group is only for your group and for no-one else… unless you want them to join in. This also applies to on board activities too. You must make sure that, if you want to take part in group member activities only, you are able to insist on it being for group members only. Most liners provide security to ensure its passengers have the privacy they have asked for.

Ok. If you have organised a vacation for a large group, some special conditions can be applied to your holiday contract. One very major condition is the availability of a large seating and dining area where group members can site, eat and chat in private.. especially handy if any problems arise and some privacy is needed to effectively sort things out.

On board meals can present problems if not properly organised at the outset. When arriving on board, and you being the organiser, you contact the person in charge of Restaurant Bookings. Discuss with them the size and needs of your group including special dietary needs and even seating arrangements should some have special preference of who sits next to them. Plan for all eventualities in this area as most problems arise at meal times in the first few days of a cruise.

Finally. Collect together contact details for every group member. This is important in case of a problem that others should be made aware of. A detailed list of the groups cabin numbers will also be handy in case you need get a hold of them urgently and they can’t be seen immediately. Ships crew may be busy at the time you need to find someone, so having their cabin numbers will expedite matters.

With all of this done, you will have organised an exceptional cruise for you and your group, and you will have all the time you need to enjoy yourself because problems should be non-existent. Just sit back, look at the joy in your groups faces and enjoy the best vacation you have ever had.

How to Find Best Cheap Travel Insurance

Once you decide it is time for you to take the long awaited vacation you have earned, you should immediately start looking for the best cheap travel insurance available prior to taking the trip. Before you get involved in all the planning required, you should really get down with your travel agent and discuss the different insurance policies his company offers. Depending upon your budget, it is feasible to choose the best cheap insurance policy that suits your needs. Travel insurances involve coverage for:

— Protection during the trip. All activities or events that might change the original plans such as cancellation of flight etc. come under this protection.

— Medical: Being in a place so far from home can be a disaster if you fall sick. Having your travel insurance cover your medical bills during the vacation is very necessary.

— In case of loss or delay: Owing to mix ups airline companies at times lose your travels bags which may contain all or most of your money. In such instances travel insurance steps up. Or if your flight gets delayed and you find yourself out of cash you can contact the insurance agency.

Buying the best cheap travel insurance requires some farsightedness. You should think about all the things that could go wrong with you and get the package that offers financial coverage for most if not all those instances. If you’re traveling with your entire family, there are more reasons for you to get insurance.

Since nobody knows what might happen it is always a good idea to be prepared for the worst. Having the best cheap travel insurance along on your journey lets you enjoy your vacation peacefully without worrying about your finances.

Things to keep in mind when choosing a travel insurance company:

— A traveling agent is not the only one who provides the insurance. Some very good deals are offered by companies catering only to the needs of travelers.

— A cheap deal may not always be the best. While it may save your money upfront, it might cost you more in the long run. Some cheap deals do not offer coverage for important things like loss of baggage or medical health during vacation.

— Many good insurance agencies are available online offering some really good bargains.

— You also need to be frank with the insurance agents about things they will not cover since that could put you in a very difficult position later on.

The entire point of taking a vacation is to relax and enjoy. Having a travel insurance ensure you do just that without worrying about anything at all.

Why is Trump in the Travel Business?

Why are people like Donald Trump getting in the online travel business? (You can see it for yourself at his Trump.com website.) The reason is because he is a business man in the business of making money. And he knows how huge this market has become.  Even basketball great, Magic Johnson has started his own home based travel agent network.

This is no longer a secret among those wanting to make money with a growing business.  Travel is the largest Industry in the world. A $7 trillion dollar industry that is growing 23% faster than the world’s economy.   And even in this failing economy, people still need a vacation. They are finding a way to save enough money to still travel.

But why lean towards an online travel business, instead of the old brick and mortar travel agencies?   Simply because companies like Travelocity, Priceline and Orbitz have put so many of them out of business. We live in a hurry-up world now. No one has the time to make an appointment with a travel agent, and then try to keep it. And then you end up settling for the trip they planned for you, based on what the average person wants to see.

When you’re booking through an online travel booking portal, you can plan a vacation in the comfort of your own living room. Without time limitations, and the pressure of making your decision based on the two or three packages put in front of you.  

There are some very good travel portals out there now, that are very easy to follow, and easy steps to complete the booking totally on your own. If you can read, and follow direction, you can book your own travel, and save money in the process. An email confirmation, with your confirmation number will follow, so you can double check and insure that everything has been booked to your liking. You also have contact numbers in case you have any concerns, or if changes are needed before taking your vacation.

Now that you know how easy it is for people to book travel on their own, you may understand why over 80% of the people are booking their travel online. But don’t limit yourself to only the big guys like Travelocity. The rest of the competition is out there for a reason. They are very competitive, with even better prices in a lot of cases. They are proven to be very helpful in keeping the prices of some of the other companies in line. And some have a travel booking portal just like the booking engine used by the major travel companies. So there is no reason not to give the little guy a chance. And you have everything to gain, if you find a better deal.

Some of the online travel agencies out there also give the individual booking travel, the opportunity to start their own travel business with their company. Of course the benefit to the buyer is in the commission paid on any travel now booked on their very own travel booking site.   However, start-up costs could keep folks from starting their own travel booking business when realizing companies like  Trump Travel charge a healthy $10,000 for their booking engine. But if you do your research, you can also join companies for only $200. 

The choices in travel are many, both in the area of booking travel and starting your own travel business. I suggest doing your research first, ask questions if you can, and make the decision that will be best for you and your future.