Insurance sites make no sense. They’re loaded with complex, unfriendly terminology. They expect you to navigate your own way through a series of poorly-worded links. And forget about those poor souls who live in any of the dozen or so “special case” parts of the country, who have to read all the small type. (As a rule, do NOT live in the Virgin Islands if you want any chance of understanding your coverage.)
Well, maybe not ALL insurance sites are like this. Take this week’s receiver of Jellyvision props: aflac.com.
They have simple choices on every page. Their wording is natural. And this is my favorite part: they don’t try to detail all of the crazy ins and outs of their policies…

Sometimes people are just better at telling you what you need to know.
Speaking of the human touch, though, there is ONE section of their site that I’d like to try a little IC on: small business.
The small business section is definitely clear and easy to follow, so that’s not what draws me to it. The problem is that they provide just enough selling points to make clicking through all of the links a bit of a chore. A host that could tailor the benefits to the individual user would go a long way. Instead of the user having to find the information most relevant to their situation, Interactive Conversation could serve the key details up on a platter, simply by asking the right questions.
For example…
Host: Now, how familiar would you say you are with insurance laws?
1. I’m an expert.
2. I could probably learn a thing or two.**
Host: Hey, no problem. That’s why we’re here.
Host: So, you mentioned before that you have a group health insurance plan… Um, did you have at least 20 employees – full OR part time – during 50% or more of the business days last year?
1. Yes.**
2. No.
3. I’m not sure.
Host: Okay, then you have to comply with something called COBRA laws. Are you familiar with COBRA? The consolidated omnibus budget reconciliation act?
1. Yes, I know it well.
2. Yeah, but walk me through it.**
3. No, not at all.
Host: Sure thing. COBRA – along with HIPAA – the health insurance portability and accountability act, requires that you temporarily continue certain employee benefit plans when those benefits would normally end – under certain situations. Now, I could go a lot deeper into this – and I’d have to, because it gets really complex – but the good news is that I don’t have to, because Aflac gives you complete COBRA administration. This means we take care of…
Advantages to an IC approach like this might be:
1. More leads (those who would have otherwise missed the key, personal “hook” to initiate contact, will now find it.)
2. More qualified leads (users will be well informed on the issues that matter to them most)
Also – and this is a bit of guess here, but I don’t mind going out on a limb – unlike an employee dedicated to this kind of material in a larger company, small business owners most likely aren’t HR/insurance pros, so a little extra hand holding in this case probably wouldn’t hurt.

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