Making the complicated seem simple is one of the attributes of a good life insurance agent, but finding a way to do that electronically is a little more difficult. Consequently, life insurance sales over the Web are more about information than about closing the deal.

Conning Insurance Research & Publications (www.conning.com) recently conducted a Life Insurer Web Site Assessment, and author Elvin Turner, a Conning vice president, said there are a number of good uses for the Internet for life insurersselling is only one of them. The Internet should be integrated into your overall strategy, he said.

The report states that five distinct groups have defined the life insurance industrys Internet presence: Internet aggregators, cyber agencies, traditional insurers, cyber facilitators, and non-insurance financial service companies.

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