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Home » Articles about the Hispanic Market » Understanding Hispanic and Latino Health and Life Insurance Buying Patterns

Understanding Hispanic and Latino Health and Life Insurance Buying Patterns

A recent study by the Life Foundation revealed that 93% of the Latino population believes that life insurance, as well as a health insurance is important, but 49% of the people who participated in the survey said they did not have enough coverage. The same survey found that 44% of adult Hispanics have no life insurance coverage compared to 37% of the non-Hispanic population. There is a high level of anxiety in the Hispanic community about insurance coverage. Most people fail to take steps needed to get adequate coverage for several reasons.

The main reasons US Hispanics don’t have enough coverage is the cost of the insurance, the lack of knowledge about insurance coverage and procrastination. The main ingredient to reverse Latino buying patterns when it comes to health and life insurance is education. Health and Life insurance providers are investing millions to educate the Hispanic consumer through Spanish- language newspapers, radio stations and cable television programs, as well as on Spanish-English Internet websites. Small business owners as well as individuals are the targets for these Hispanic media campaigns, in fact in 2008 the total dollars invested in Hispanic health and life insurance awareness was close to 50 million dollars. In addition, Hispanics have the highest uninsured rates of any racial or ethnic group within the United States. In 2017, the Census Bureau reported that 49.0 percent of Hispanics had private insurance coverage, as compared to 75.4 percent for non-Hispanic whites.

Examining Hispanic and Latino Health and Life Insurance Buying Patterns

There are other issues that must be considered when examining the buying patterns of the US Hispanic population. The socioeconomic status, citizenship status, migration experiences and the length of time spent in the US, as well as the number of generations who live in the US, produce significant differences in the thought process when it comes to life and health insurance needs. Another important factor that makes the Latino market so diverse is individuals and groups have different racial backgrounds, which include: Hispanic-White, Hispanic-Black, Hispanic-Asian, Hispanic-Native American and so forth. The racial Hispanic backgrounds of Cubans, Puerto Ricans, Central and South Americans and others, all play a role in how everyday life choices are established.

All of these racial groups have different life experiences which have an impact on insurance decisions. There will always be one section of the Hispanic population that is growing faster than another, but all groups need insurance. When a target group is identified, a cohesive plan can be established that addresses the main issues of cost, lack of knowledge and procrastination as they pertain to that group and an individual strategy can be implemented.

The Internet offers the greatest opportunity when it comes to providing insurance coverage for the Hispanic market. Developing website tools in Spanish as well as English and using the services of Hispanic Market Advisors will provide a foundation that can be expanded on a daily basis. The key to fulfilling the insurance needs of the Hispanic population is developing a relationship which is a caring partnership that understands and educates, as well as adds value to personal dreams.

For more information, please complete our Hispanic Market Advisors contact form and we will respond to you promptly.


ABOUT THE AUTHOR

Sebastian Aroca is an entrepreneur and a customer centric professional. He co-founded Hispanic Market Advisors, a company that offers English to Spanish translation and Spanish SEO services. Sebastian has over 10 years of professional experience managing regional customer programs and client acquisition strategies in the areas of sales and marketing communications, primarily for the U.S. Hispanic and Latin American & Caribbean markets.

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:: WE NEVER STOP

Following metrics very closely, delivering Top Ranking, and working with the key players in the industry.

Following metrics very closely – “Some deliver empty promises, we deliver trackable results.” Among the first questions we ask our potential clients are: do you have Google Analytics set up? What about Google and Bing Webmaster Tools? And what about tracking your calls and analyzing user behavior? If you don’t have these tools set up, don’t feel bad. Most don’t.

We will help you set up the right “lean” metrics (they vary depending on the business). Then, as we go, we will track the impact of all of our efforts. After all, your marketing dollars are not unlimited, and we know that. As your business receives more qualified web traffic, leads, and sales, we all win.

Delivering Top Rankings – We will track all relevant keywords and send you monthly ranking reports. SEO involves also tracking number of visits and building a balanced link profile. PPC involves tracking pageviews, clicks and conversions. CRO involves tracking calls and user behavior to optimize the lead funnel and maximize leads and sales. Numbers don’t lie and we will make them all visible to you. Set up an initial consultation.

Working with the key players in the industry – Having the right team in place is as important as setting the right strategy. Our team is composed of Latina bloggers, Community managers, SEO specialists, PPC AdWords certified experts, and recently added, a software development team that focuses on responsive technology and conversion rate optimization. All together have one common goal: delivering trackable results to our clients.

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:: WE PROVIDE

Personalized customer support, a principing structure that fits your wallet, and innovative and effective ways to promote our clients.

Personalized customer support – We feel proud of the personalized support we offer to our clients. Since we are a boutique niche market agency, you will most likely deal with the owner, Sebastian Aroca, and one account manager or specialist. Most of our team works in the backend (even when you sleep) to make sure that everything flows in the most optimized way possible. We persist until we get things done!

A pricing structure that fits your wallet – We realize that customers also come in different sizes. Thus, after our initial consultation, in most cases, we will send you a proposal with three different levels (conservative, moderate, and aggressive) so you can choose the intensity of our marketing efforts. Most of our customers start with a conservative or moderate approach and upgrade to a higher level once they start seeing results. We tend to like that too, so trust and confidence is built in stages. Set up an initial consultation.

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With an excellent Past Performance Evaluation (PPE) score of 94 to current and prospective customers, Hispanic Market Advisors℠ is certified by Open Ratings (a Dun & Bradstreet company) as a Top 20% Performer. Why Hispanic Market Advisors℠

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:: WE CARE ABOUT

Assembling our teams according to your needs, treating your business as ours, and keeping our 100% customer retention rate.

Assembling our teams according to your needs – As an integral, fast growing company in the Hispanic marketing field, Hispanic Market Advisors ℠ integrates four forward edge virtual teams (Search, Language, Content, Social) led by Sebastian Aroca, each one of those teams providing results oriented services designed to help you achieve success in the prospering online Hispanic market.

Our main office is in Miami, FL (Midtown area), and we assemble specific teams depending on our clients’ needs and budget. Learn more.

Treating your business as ours – We will act as an extension of your own team. We will study your customers and help you create customer profiles. We will also help you with client acquisition strategies that will help grow your business. As you grow and expand your business, we grow alongside you.

Keeping our 100% customer retention rate – “Some deliver empty promises, we deliver trackable results.” We monitor all of our actions, and upload monthly reports for you to keep track (Client Access).

With an excellent Past Performance Evaluation (PPE) score of 94 to current and prospective customers, Hispanic Market Advisors ℠ is certified by Open Ratings (a Dun & Bradstreet company) as a Top 20% Performer.

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A Premium Translation service, search engine marketing services and tons of unique and original bilingual content.

A premium translation service – There is nothing more inviting to a potential consumer than to be addressed in his or her own language. Taking the time to provide this service shows respect for culture as well as a willingness to engage that the consumer will likely attribute to the rest of your business. In short, your goodwill with that customer starts off on the right foot.

Obviously, the website will also be much easier for them to read. For serious business owners and marketers that care about their brand, we strongly recommend professional translations over automatic free translations like Google Translate. Learn more.

Hispanic search engine marketing services SEO, PPC) While your PPC campaign efforts can result in instant benefits; your organic SEO when done effectively can help you rank higher over a longer period of time. Striking the right balance is the challenge and what most marketers strive for! Check this page and let’s discuss and build together an integrated Hispanic marketing strategy that works for you.

Tons of unique and original bilingual content – Creating a bilingual website is possible even if you do not know the language in which you would like to translate.

Cultural heritage plays an important part in the lives of Hispanics. Foods are especially influential. Traditions and holidays are influential. The culture is relational, and it’s important to consider that special events are priorities. Content should capture the heart of the topic, whether it’s focused on a product or an event.

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