The Digital Insurance Agent

Hosted by Carl Willis - Agent Branding & Marketing

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Episodes

135

Latest episode

Oct 2026

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EN-US

About the show

The Digital Insurance Agent is a podcast that explores the latest trends, tools, and strategies for transforming your insurance agency in the digital age. Join host Carl Willis, a seasoned financial services digital marketing consultant, as he interviews industry experts, shares success stories, and provides actionable tips to help you stay ahead of the curve and build a successful and sustainable insurance agency in today's ever-evolving market. Whether you're a seasoned pro or just starting out, this show is the ultimate guide to help you modernize your insurance agency and thrive in the digital world.

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60 recent

October 30, 202655 min

Your Marketing Dashboard Says Green — So Why Isn’t Your Insurance Agency Making Money?

More impressions. Lower cost per lead. More inbound calls. Every arrow pointing up. And yet the commissions aren’t where they should be, and the growth isn’t showing up in the financials. This is one of the most common — and most frustrating — situations in an insurance agency. And the answer is almost never “buy more leads.” This training is not a beginner’s guide to lead generation. It’s for independent insurance agency owners who are already investing in marketing and need to understand why the numbers on their marketing dashboard aren’t connecting to their agency’s actual economics. In this episode of the Digital Insurance Agent Podcast, we trace the full journey — from marketing spend through qualified prospects, quotes, bound policies, commission revenue, and the retained book — and show you exactly where agencies are leaking profit without knowing it. What you’ll learn: Why a healthy marketing dashboard and weak agency financials can exist at the same time — and what’s causing the gap The full agency economics equation — and why measuring only lead count is costing you money The three places where marketing ROI leaks: targeting, conversion, and account value — and how to diagnose which one is hurting your agency Why the cheapest lead is often the most expensive decision you can make A real campaign comparison: two campaigns with the same $5,000 ad spend — one generates $7,000 in first-year commission, the other generates $9,600. Which one looks better on a standard marketing report? How a 5-point improvement in your conversion rate can add $3,000 in commission revenue with zero additional ad spend The two scorecards every agency owner needs — and why they’re complementary, not competing How to build a revenue attribution architecture that connects your ad platform, CRM, and agency management system The five questions every agency owner should be asking their marketing partner every month A 30-day marketing ROI reset plan — four weeks to assemble data, diagnose bottlenecks, compare account economics, and set priorities The three numbers to request from your agency tomorrow: cost per acquired customer, quote-to-bind rate, and first-year commission by source How AI can accelerate diagnosis — but only when the underlying data is clean and trustworthy Why accountability is shared across marketing, producers, carriers, and service — and why blurring those lines creates confusion instead of growth The bottom line: More leads is a tactic. Profitable book growth is your actual strategy. And you cannot optimize what you never connect to commission outcomes. Book your marketing ROI strategy session: 📅 agentbrandingandmarketing.com/schedule 📞 888-572-8758 #InsuranceAgencyROI #InsuranceMarketing #InsuranceAgencyGrowth #IndependentInsuranceAgent #InsuranceLeadGeneration #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #InsuranceAgencyOwner #InsuranceCommissions #InsuranceSales #InsuranceConversion #InsuranceAgencyEconomics #AgencyGrowth #InsuranceStrategy #InsuranceProfitability #InsuranceCRM #InsuranceDataDriven #InsuranceTech #InsuranceAgencyMetrics Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

October 23, 202629 min

Why Insurance Agents Who Tell Their Story Win — Even Against the Big National Brands | Matt Wolfe

Most insurance agents lead with their credentials. Their years in the business. Their certifications. Their Google reviews. And they wonder why prospects don’t feel a connection. Here’s the problem: you’re telling your story instead of theirs. In this episode of the Digital Insurance Agent Podcast, host Carl Willis sits down with Matt Wolfe of Brand 3 — a StoryBrand certified consultant who spent 25 years in professional theater before bringing the science of storytelling to marketing — for a conversation that will fundamentally change how you think about your agency’s message. Whether you’re an independent agent building your own brand or a captive agent wearing a national company’s sign while three competitors do the same a mile down the road, story is the one thing that makes you irreplaceable. And in today’s AI-driven search environment, it’s also what makes you discoverable. In this episode, Matt and Carl cover: Why leading with credentials, certifications, and testimonials is telling your story instead of your prospect’s — and why that costs you trust before you ever earn it The StoryBrand framework — how to make your prospect the hero and position yourself as the guide who helps them get where they’re trying to go Why every independent insurance agent has something unique to offer — and how a discovery process uncovers what you’ve been too busy to articulate for 10 or 20 years How a captive agent built his own website, told his own story, and started marketing like an independent — without violating his carrier agreement The emotional trigger points that actually move insurance prospects to act — and why the story is never really about the insurance Why the husband-and-wife vet clinic and insurance agency story drove real inbound calls — and what it proves about emotion-first marketing Why “trustworthy, local, and honest” is invisible messaging — and what clear, accurate language actually sounds like How good storytelling is now an AI search advantage — and why uniqueness, differentiation, and consistent story signals are what get agencies surfaced in AI overviews Why your service pages are wasted opportunities if they don’t continue the story your homepage started The consistency principle — why showing up repeatedly with the same clear message matters more than finding a clever slogan How to tell the story of you — not just the brand over the door — so prospects feel like they know, like, and trust you before they ever call Matt’s final word: Local insurance agents, whether independent or captive, are positioned to provide something no 1-800 number ever can. If you tell that story clearly and consistently, you can stand out in any market. Connect with Matt Wolfe and Brand 3: 🌐 brand3.net 🌐 scalebeyondreferrals.com (for agents with a B2B/commercial focus) 🎙️ Podcast: CEO’s Heart for Service 💼 LinkedIn: search Matt Wolfe Brand 3 Build your agency’s marketing ecosystem: 📅 agentbrandingandmarketing.com/schedule 📞 888-572-8758 Subscribe to the Digital Insurance Agent Podcast for weekly conversations on insurance agency marketing, storytelling, digital strategy, and agency growth built specifically for independent P&C agents. #InsuranceStorytelling #InsuranceAgencyMarketing #StoryBrand #IndependentInsuranceAgent #InsuranceAgencyGrowth #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #InsuranceBranding #InsuranceAgencyOwner #InsuranceMarketing #CaptiveInsuranceAgent #InsuranceDifferentiation #AgencyGrowth #InsuranceSales #InsuranceLocalMarketing #InsuranceContentMarketing #InsuranceStrategy #InsuranceTrustBuilding #InsuranceTech Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

October 16, 202614 min

Your Insurance Agency Website Is Either Growing Your Business or Costing You Leads

Your insurance agency website is not a digital brochure. It is your agency's online headquarters, your first impression, and one of the most important conversion assets in your entire marketing ecosystem. And if it isn't built with strategy, structure, local relevance, and AI readability — it is actively costing you leads every single day. In today's search environment, your website has to serve four different audiences simultaneously: real people who are comparing their options, search engines evaluating your authority, mobile users who need instant answers, and AI agents doing the research on behalf of your prospects before they ever contact you. Most insurance agency websites are built to look good. The ones that actually grow agencies are built to perform. In this episode of the Digital Insurance Agent Podcast, we break down exactly what a professional insurance agency website needs to do — and how to connect it to the larger marketing ecosystem that drives consistent, measurable growth. What you'll learn: Why your website is one of the most important conversion assets in your marketing ecosystem — not just a digital business card Why mobile-first design is non-negotiable — and the five things your mobile site must include right now How to build SEO into your website from the start — not bolt it on later as an afterthought Why every major line of business needs its own service page — and what makes those pages actually work How to structure your website so Google, AI agents, and human prospects all understand your relevance, authority, and local fit Why clarity is a competitive advantage in the AI era — and what that means for your page structure, headings, and FAQ content The technical performance factors that quietly kill conversion — and what to fix first How to write calls to action that give prospects a confident next step without feeling pushy Why the wording of your CTA needs to match the audience — Medicare prospects, home and auto shoppers, and life insurance prospects all respond differently How your website connects to Google Business Profile, local SEO, paid ads, retargeting, social media, reviews, and AI optimization as one unified ecosystem What happens when the ecosystem is disconnected — and why it makes every marketing dollar you spend less effective Why strategy has to come before design — and how to think about your website as a growth system, not a one-off project The formula that works: Strategy first → Design supports strategy → Technology strengthens experience → Content builds authority → Calls to action create movement Ready to build your complete marketing ecosystem? 📅 agentbrandingandmarketing.com/schedule 📞 888-572-8758 #InsuranceAgencyWebsite #InsuranceMarketing #IndependentInsuranceAgent #InsuranceAgencyGrowth #InsuranceWebsiteDesign #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #InsuranceSEO #InsuranceAgencyOwner #InsuranceLocalSEO #InsuranceLeadGeneration #InsuranceDigitalMarketing #InsuranceMobileWebsite #InsuranceConversion #AgencyGrowth #InsuranceAISearch #InsuranceGoogleBusinessProfile #InsuranceStrategy #InsuranceTech Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

October 9, 202626 min

AI SEO Engine for Insurance Agents: A Strategic Guide to Lead Generation and Marketing Automation

Search is not just “Google results” anymore, and that change is hitting insurance agencies fast. When AI can interpret long, detailed questions and surface answers right on the page, simply having a website, a few blog posts, or a basic ad campaign stops being a competitive advantage. We walk through what an AI SEO engine actually does for insurance agents, and why the technology only pays off when it is tied to a clear strategy for lead generation and client acquisition. We unpack the three priorities that move the needle: optimizing for AI-powered search experiences (so your content answers real coverage questions), strengthening local SEO and market authority (so your agency wins in the towns and neighborhoods you serve), and using educational content marketing to build trust before a prospect is ready to request a quote. Along the way, we explain how AI can help with topic research, keyword opportunities, content refreshes, and performance analysis without replacing the judgment that keeps your messaging accurate and compliant. Then we connect visibility to follow-through. You will hear how SEO automation, AI-assisted PPC management, and social scheduling can feed a real marketing automation system with segmentation, predictive analytics, and automated email campaigns. We also cover the KPIs that matter most, including search visibility, engagement, conversion rates, and qualified leads, so you can measure business outcomes instead of celebrating busywork. If you want a practical framework for insurance agency marketing that blends AI efficiency with local credibility, press play. Subscribe, share this with an agent who needs it, and leave a review so more agencies can build smarter growth systems. Schedule a strategy session with Agent Branding & Marketing - https://agentbrandingandmarketing.com/schedule Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

October 2, 202617 min

The Insurance Agent Growth Stack — Leads, AI, Digital Marketing, and Sales in One System

Most insurance agents aren't struggling because they refuse to market. They're struggling because their lead generation, digital marketing, AI tools, and sales process are all operating independently — and none of them are working together as a system. More ad spend won't fix it. A prettier website won't fix it. Another lead vendor won't fix it. What fixes it is a clear, coordinated growth strategy built around the right tactics, the right tools, and the right skills — applied together. In this episode of the Digital Insurance Agent Podcast, we break down the practical building blocks every independent insurance agent needs to attract better prospects, convert more leads, and build a book of business that compounds over time. What you'll learn: Why most agents are generating leads but struggling to convert them — and where the breakdown actually happens The most effective lead generation strategies for insurance agents right now — website optimization, content marketing, and targeted social media How SEO, PPC, and content marketing work together to attract higher quality prospects instead of just more volume Why video marketing drives more engagement than any other channel — and how to use it without becoming an influencer How AI chatbots, predictive analytics, and marketing automation can reduce lead conversion time and free you up for high-value work Why branding and positioning get overlooked — and why your unique selling proposition is the most important thing you can define How to use storytelling and client success stories to build emotional connection before the sales conversation begins The difference between running marketing tactics and building a marketing ecosystem — and why only one of them scales Why improving your closing rate might be more valuable than increasing your ad budget How active listening, value articulation, and continuous learning are the sales skills that separate average producers from top performers Why the ground game still matters — and how to combine face-to-face networking with your digital strategy How to run strategy sessions instead of appointments — and why specialists do it that way How to use AI to build a client dossier before every strategy session so you show up as the most prepared person in the room The bottom line: Lead generation, digital marketing, AI integration, and sales training are not separate problems. They are one system. When they work together, your lead quality goes up, your conversion rates improve, and your growth becomes predictable. Ready to build your complete marketing ecosystem? 📅 agentbrandingandmarketing.com/schedule 📞 888-572-8758 Subscribe to the Digital Insurance Agent Podcast for weekly training on insurance agency growth, lead generation, digital marketing, and AI strategy built specifically for independent P&C agents. #InsuranceAgencyGrowth #InsuranceLeadGeneration #IndependentInsuranceAgent #InsuranceMarketing #InsuranceSales #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #InsuranceAI #InsuranceAgencyOwner #InsuranceDigitalMarketing #InsuranceSEO #InsuranceContentMarketing #InsuranceAutomation #AgencyGrowth #InsuranceProducer #InsuranceBranding #InsuranceCRM #InsuranceStrategy #InsuranceTech Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

September 26, 202610 min

A Practical Reputation Management Plan For Insurance Agents

People don’t choose an insurance agent the way they used to. They research first, compare options fast, and trust what other customers say more than what any agency claims about itself. That’s why we focus on online reviews and reputation management as a real growth lever for insurance agents, not an afterthought you remember only when a negative review shows up. If you want better leads, stronger close rates, and more trust in your local market, your reputation has to be intentional. Carl Willis, CEO of Agent Branding & Marketing walks through the fundamentals that actually drive positive, authentic reviews: delivering a great customer experience, communicating consistently, and staying engaged after the policy is written. We talk about why “be easy to work with” is a competitive advantage, how honest and clear explanations build long-term loyalty, and how proactive renewal communication prevents frustration before it starts. These are simple habits, but they compound into a brand people feel safe recommending. Then we get tactical with review generation and local SEO. We explain why you should ask satisfied customers directly, how to make leaving feedback effortless, and why your Google Business Profile is a key part of visibility in Google Search and Maps. We also cover how to respond to negative reviews without arguing, using your reply to demonstrate accountability to every future prospect reading. Reputation isn’t separate from marketing, it’s the trust layer that supports your website, listings, content, and even AI-powered search discovery. If this helps, subscribe for more insurance agency marketing strategies, share this with another agent, and leave a quick review so more people can find the show. What’s one change you’ll make to your reputation system this week? Schedule a strategy session with Agent Branding & Marketing: https://agentbrandingandmarketing.com/schedule Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

September 18, 202639 min

68% of Google Searches Never Click a Website — Is Your Agency Ready for This?

68% of Google searches end without a single click to a website. The prospect gets their answer, makes their decision, and moves on — without ever visiting your agency page. And with AI agents now doing the research, comparison, and shortlisting on behalf of consumers, that number is only going to grow. Your website isn't disappearing. But its job is changing fast. It is becoming one data layer out of many — a resource not just for human visitors, but for AI agents pulling information to make recommendations to prospects who may never visit your site at all. In this training, we break down exactly what that shift means for your insurance agency, why isolated marketing tactics can't solve an ecosystem problem, and how to build the connected digital knowledge ecosystem that AI platforms need to understand, trust, and recommend you. What you'll learn: Why the old linear model — search, click, website, form fill — is being replaced by AI-driven agentic discovery What Google's agent management system actually means for how local insurance agencies get found and recommended Why the short list is the new battleground — and how AI is narrowing that list before a prospect ever contacts you How conversational, long-form queries are replacing keyword searches — and what that means for your content strategy Why your Google Business Profile, YouTube channel, social media, reviews, and local citations are all data layers that AI is evaluating The difference between commodity content and authority content — and why only one of them gets you recommended How to build a knowledge catalog from the questions your team is already answering every day Why "five tips for saving on auto insurance" has zero authority — and what market-specific, experience-based content looks like instead How to turn one client question into a full ecosystem of content across blog, video, GBP, social, email, and FAQ Why short-form video is one of the primary ways AI platforms train their large language models — and what that means for your visibility Why reviews are now machine-readable reputation data — and how repeated themes in your reviews train AI to categorize and recommend you The new metrics that actually matter: AI mentions, share of voice, branded search lift, and cost per acquisition Your 30-day action plan — from capturing your 25 most common client questions to auditing every conversion path in your ecosystem The question that should be driving every marketing decision you make right now: If AI were choosing an insurance agency in your market today — would it choose yours? Find out where your agency stands: 📅 agentbrandingandmarketing.com/schedule #ZeroClickSearch #InsuranceAgencyAI #InsuranceMarketing #IndependentInsuranceAgent #InsuranceAgencyGrowth #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #AgenticSearch #InsuranceDataLayer #InsuranceContentStrategy #GoogleAI #InsuranceAgencyOwner #InsuranceVisibility #InsuranceKnowledgeCatalog #AgencyGrowth #InsuranceLeadGeneration #InsuranceTech #InsuranceEcosystem #LocalSEOInsurance Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

September 11, 202617 min

Modern Growth Playbook For Insurance Agents

Your marketing can’t be “pretty” and still be vague. If you’re an insurance agent trying to grow and you feel stuck chasing low-quality leads, this conversation gives you a clear path forward. We walk through what a modern growth system looks like when you combine insurance lead generation, digital marketing, AI tools, and real sales training so your pipeline stops depending on luck. We start with the fundamentals that drive consistent inbound interest: website optimization, content marketing that answers real client questions, and social media engagement that builds trust over time. Then we get specific about improving insurance lead quality through SEO, targeted messaging, and the digital channels that tend to perform best including video marketing, local SEO, and email marketing that nurtures prospects until they are ready to talk. Next, we dig into AI for insurance marketing and what actually helps conversions: AI chatbots for instant responses, predictive analytics and lead scoring to focus your time, and marketing automation that keeps follow-up consistent without you living in your inbox. We also cover brand positioning, clarifying your unique selling proposition, and using personalized strategy sessions to spot missed opportunities, set clear goals, and leave with actionable next steps. If you want more qualified leads and a simpler process to turn them into clients, listen now and take notes. Subscribe, share this with an agent who needs a better system, and leave a review with the one tactic you’re going to implement first. Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

August 29, 202620 min

Demand Gen vs. Performance Max. Which One Should Insurance Agents Use?

Demand Gen and Performance Max look similar on the surface because both lean hard on Google AI, automation, audience data, and creative assets. The problem is they solve different problems, and when we treat them like the same tool, we end up with spend that is hard to explain and results that do not stack into a real growth plan for an insurance agency. I walk through the cleanest way to think about it: Demand Gen is built to create and cultivate demand by reaching the right audiences in visual environments like YouTube, Discover, and Gmail, long before they are price shopping. Performance Max is built to maximize conversions by letting Google chase the next likely converter across its entire ecosystem, including Search. That distinction changes how you write ads, how you pick audiences, and how you measure success. We also dig into the control trade-off: Demand Gen typically gives you more deliberate audience and creative control, while Performance Max gives Google more freedom to optimize toward your conversion goal. Then we connect the dots with Search and the customer journey. Search captures what people explicitly say they want, Demand Gen influences what people may want next, and Performance Max finds where the next conversion can happen. You will hear a practical insurance agency blueprint for tying awareness, consideration, intent capture, and remarketing into one acquisition ecosystem, plus a blunt reminder that automation only works when your conversion tracking and first-party data are solid. Subscribe to The Digital Insurance Agent, share this with a producer who is wrestling with Google Ads in 2026, and leave a review if it helped you think more clearly, what part of your current setup is missing a defined job? Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw

August 22, 202653 min

If AI Were Choosing an Insurance Agency in Your Market Today — Would It Choose You?

Your insurance agency website isn't disappearing. But the job it used to do is. For the last 20 years, insurance marketing followed a simple model — get found, get the click, send the visitor to the website, convert them. That model is breaking. Prospects are now getting their answers, their comparisons, and their recommendations directly from AI-powered search experiences before they ever visit your website. And in some cases, an AI agent is doing all of that evaluation for them — and returning one or two names. In the DFW Metroplex — one of the largest metro areas in the country — a live agentic search test returned just two insurance agents. Not ten. Not a page of results. Two. The short list is the new battleground. And if your agency isn't building the kind of digital knowledge ecosystem that AI can understand, trust, and recommend — you won't be on it. In this training, we break down exactly what that ecosystem looks like and how to build it. What you'll learn: Why your website is becoming one data layer out of many — and what the other layers are How Google's Gemini Spark agent is now doing the searching, researching, planning, and decision-making on behalf of your prospects Why isolated marketing tactics — SEO alone, social alone, PPC alone — will never solve an ecosystem problem How to build a knowledge catalog that teaches AI what makes your agency uniquely useful in your local market The difference between AI-generated slop and AI-amplified expertise — and why only one of them builds authority Why your best content is already inside your agency — and how to unlock it The one-video-to-many content flywheel that creates signals across your entire ecosystem from a single recording Why video is now a major data layer for Gemini — and what Ask YouTube means for your visibility How reviews are becoming structured reputation data that AI uses to categorize and recommend your agency Why the old scoreboard of traffic, rankings, and clicks is giving way to AI mentions, branded search lift, and cost per acquisition The six-layer readiness framework — agency knowledge, authority content, distribution, reputation, conversion, and automation Your 30-day action plan to start building ecosystem authority right now Why Google is already testing AI agents that call your office to schedule appointments — without the prospect ever visiting your website The final question: If AI were choosing an insurance agency in your market today — would it choose you? Find out where your agency stands: 📅 agentbrandingandmarketing.com/schedule 📞 888-572-8758 #InsuranceAgencyAI #ZeroClickSearch #AgenticSearch #IndependentInsuranceAgent #InsuranceAgencyGrowth #DigitalInsuranceAgent #InsurancePodcast #PCInsurance #InsuranceAISearch #LocalSEOInsurance #InsuranceAgencyOwner #InsuranceMarketing #InsuranceContentStrategy #GoogleAI #InsuranceVisibility #AgencyGrowth #InsuranceLeadGeneration #InsuranceEcosystem #InsuranceTech #InsuranceStrategy Send us Fan Mail Visit us online - agentbrandingandmarketing.com Connect with us on Facebook - https://www.facebook.com/agentbrandingandmarketing Subscribe to our YouTube Channel - https://www.youtube.com/channel/UCaQ3DbHPzI7wWGYt1Pxlcyw