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Lead Prospecting: How to Sell to Self-Employed Insurance Leads

By Chris Bibey
Lead Prospecting: How to Sell to Self-Employed Insurance Leads Feature Image
10 minute read
⚠️ Disclaimer: While every effort has been made to ensure that the information contained in this article is accurate, neither its authors nor Aged Lead Store accepts responsibility for any errors or omissions. The content of this article is for general information only, and is not intended to constitute or be relied upon as legal advice.

Did you know there are more than 70 million freelancers in the United States? 

With this number on the rise, selling self-employed insurance is a worthwhile opportunity to take full advantage of.

Gig workers need affordable, quality health insurance coverage, just like all Americans, but their unique employment situation makes things tricky. These health insurance leads present a unique business opportunity.

With the right approach, you can connect with freelancers and self-employed professionals who are interested in the coverage you offer. 

Ready-to-Close Aged Health Insurance Leads

Health Insurance

$ 0.40
Per Lead 15-85 Days Old
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Skip ahead: Quickly select and filter the qualified health insurance leads you need.

Unique concerns for freelancers, gig workers, and self-employed

There are many benefits of self-employment, ranging from a greater work-life balance to more schedule flexibility. 

Conversely, there are challenges associated with this career path. Here are some of the top health insurance-related concerns that freelancers share.

Money, money, money

Freelancers often have to foot the entire bill for health insurance since they don’t have employers chipping in. 

What’s more, their income isn’t always predictable. One month they might be raking it in, and the next could be a dry spell. So, they need affordable health plans that won’t drain their wallets. 

Flexible payment options or plans that they can tweak to fit their needs can be a real game-changer.

Comprehensive coverage

Freelancers need health plans that cover all the bases. But some clients will want the most affordable, basic options. 

Whether they just need check-ups and emergency room visits covered or they need long-term illness and mental health support, they’ll need plan options that cover what they need. 

If you’re selling insurance to freelancers, make sure you’re clear about what your plans cover. 

Plan flexibility

Many freelancers love the freedom to work from anywhere, whether that’s a coffee shop downtown or a beach halfway around the world. They need a health plan that’s as flexible as they are. 

If your policies offer coverage across the country or even internationally, you’ll be ticking a big box for these digital nomads.

Complicated language

Health insurance can feel like a maze, especially if you’re new to freelancing. All those complicated terms can make anyone’s head spin. That’s why freelancers need a simple, user-friendly way to find and understand health insurance. Be straight with them. Explain things clearly and offer help when they need it.

Why bother buying?

Believe it or not, some freelancers, especially younger ones, might not think health insurance is that important. They might see it as a costly extra they can do without. To get past this, you need to show them why health insurance is a safety net they can’t afford to ignore.

As an agent, understanding these unique concerns allows you to formulate a strategy for helping your client base overcome them. 

Browse thousands of verified health insurance leads at a discount. 

Unique opportunities to sell to freelancers and self-employed clients

Without the traditional support of employer benefits, freelancers are always on the lookout for help. And that’s where you can step in. 

Ready-to-Close Aged Health Insurance Leads

Health Insurance

$ 0.40
Per Lead 15-85 Days Old
Buy Health Insurance Leads

You have the unique opportunity to share your insight and professional guidance with the end goal of making a sale. 

Here are some of the many reasons why you should focus more resources on selling self-employed insurance.

Untapped potential

Freelancing is booming. The rise of the gig economy means more and more people are breaking free from the traditional 9-to-5 and going it alone. 

And guess what? Most of these freelancers need health insurance. But without an employer to sort it out for them, they’re often left in the dark. That’s where you come in. There’s a huge market out there, waiting for someone to light the way.

Lifelong customers

Unlike in a regular job, freelancers aren’t going to switch insurance every time they change gigs. This means they’re likely to stick with an insurance plan that suits them for a long time. So, if you can offer a plan that really meets their needs, you’ll be gaining a customer for life. 

Sure, it might take a bit more effort upfront to win them over but think of the long game. It’s like planting a seed and watching it grow.

Word travels fast

Freelancers are part of a close-knit community. They often rely on each other for tips and advice. Get it right with one freelancer, and you’ll be in a position to reach others. 

Before you know it, you could be the go-to insurance broker for a sizable portion of the freelancing community. It’s like a snowball effect. You just need that first push.

Freelancers embrace change

Freelancers are used to thinking outside the box. They’ve already made a big leap by ditching the traditional job market, so they’re open to new ideas. This makes them ideal customers for innovative insurance products. 

Got a cutting-edge digital platform? A new type of coverage? Freelancers are more likely to give it a go. And if it works for them, they’ll be the first to spread the word.

Creating custom solutions

Because every freelancer is unique, there’s no one-size-fits-all insurance plan. Some might need international coverage, others might want a basic, affordable plan. This gives you a chance to flex your creative muscles. 

You can design custom solutions that really cater to each freelancer’s needs. And when you get it right, you’re not just selling a product, you’re providing a service that makes a real difference in people’s lives.

10 questions for your freelance and self-employed prospects

At this point, you know you’re in a position to sell your products to a large (and growing) customer base. 

The next thing you should do is create a strategy for reaching, engaging, and converting these online leads. Doing so starts with understanding the unique needs of each prospect. Here are some questions you can ask to uncover these needs.

1. How do you currently manage your health insurance needs?

Understanding their current health insurance management method gives insight into their comfort level with navigating the insurance landscape. It can reveal how much they understand about insurance and where gaps may lie in their knowledge.

2. Have you ever felt overwhelmed or confused by the health insurance options available to you?

This question uncovers the pain points freelancers may face when exploring insurance options. If they feel overwhelmed or confused, it suggests a need for clearer, simpler communication about insurance products.

3. Can you share your main concerns or struggles when it comes to securing health insurance?

Knowing their challenges helps in designing products or solutions that specifically address these concerns, thereby making your insurance plan more appealing to freelancers.

4. What are the most important features you’re looking for in a health insurance plan?

Their responses will inform you of their priorities and preferred plan characteristics, allowing you to tailor your offerings accordingly.

5. Have you ever had to forego medical treatment or care due to lack of coverage or high costs?

This question gauges the impact of their current insurance (or lack thereof) on their healthcare choices. It also provides a window into their financial flexibility and the potential need for cost-effective solutions.

Find the leads you need to fuel your sales pipeline.

6. Are you looking for a plan that covers you locally, nationally, or internationally?

Their response will indicate the breadth of coverage they desire, which is crucial when suggesting appropriate plans for their lifestyle.

7. How important is mental health coverage to you?

Mental health is a significant factor in overall health. Understanding how they value mental health coverage can help in offering a well-rounded, attractive health plan.

8. Would you be interested in a plan that allows flexibility in terms of payments, especially during slower work periods?

This question seeks to understand their income patterns and the potential need for flexible payment options, a feature that could distinguish your product in the market.

9. How do you feel about telemedicine and digital health services? Would you like these features included in your coverage?

Their comfort with digital health services can guide you in introducing or emphasizing such features in your insurance offerings.

10. If you could design your ideal health insurance plan, what features would it have?

This question is essentially asking freelancers to describe their perfect product, providing you with key insights into how you can align your offerings with their preferences and expectations.

How to reach freelancers

You know that you want to reach freelancers, but there’s still one question to answer: What’s the best way to connect with this audience?

Here are some ideas to consider.

Embrace the digital landscape

Freelancers are tech-savvy folks who often find their gigs online. So, guess where you’re likely to find them? That’s right, the internet. 

Make your online presence felt. Engage with them on social media, write blog posts addressing the specific health insurance concerns of freelancers, or offer webinars on health insurance basics. 

Remember, you’re not just selling insurance here, you’re building relationships. So, keep it friendly, approachable, and above all, helpful.

Tap into freelance platforms

There are a ton of platforms out there that freelancers use to find work. Think Upwork and Fiverr. Why not go where they are? 

Consider advertising on these platforms or participating in their forums. You can answer questions, offer advice, or just get your name out there. Just be sure to keep it professional and respectful at all times.

Collaborate with co-working spaces

Co-working spaces are hotspots for freelancers. These are the places where they come to work, network, and collaborate. Get in touch with local co-working spaces and see if you can host an info session or workshop. 

Or, you could sponsor a freelancers’ meetup or networking event. Not only does this put you in touch with freelancers, but it also shows that you’re invested in their community.

Partner with industry groups and associations

Many freelancers join professional groups or associations related to their field of work. These organizations often offer resources to help their members, and health insurance info could be a valuable addition. Partnering with these groups can give you direct access to a concentrated pool of freelancers.

Leverage referrals

Never underestimate the power of word-of-mouth. Freelancers often rely on their network for recommendations, from the best coffee shops to work from to the best health insurance plans to buy. So, make your existing customers happy, and they’ll do the marketing for you. Offer referral incentives to encourage this even more.

Final thoughts

Freelance workers represent a growing demographic in the post-pandemic world and have a need for expert insurance help and the potential for growing your sales.

Get started prospecting health insurance leads with a fresh supply of high-quality aged leads from Aged Lead Store. 

You’ll find thousands of sortable aged leads, ready to boost your sales, whether your business is auto, life, health, or home insurance, mortgage refinance, or solar installation.

About Chris Bibey

Chris Bibey is a freelance writer with 15+ years of experience in the insurance and finance industries. Clients include Sales Hacker, Outreach, Discover, PayChex, and Moran Insurance. He has also worked as Head of Sales for Verma Media.

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