Did you know 94% of insurance professionals say they waste time playing phone tag with their customers? Policy holders, especially Millennial and Gen Z consumers, want communication that is quick without disrupting their day.
That’s where Texting for Business comes in. It’s easy to implement, fast and secure, helping insurance providers improve customer satisfaction, encourage responses, streamline workflows and sell more policies.
Join us for a 30-minute webinar where we discuss our new research on texting in the insurance industry. Host Keith Hitchcock will chat with Dave Padget, Zipwhip’s senior product marketing manager who focuses on communication solutions for mid-market businesses.
We’ll also share some of the biggest takeaways from our brand-new e-book: The Ultimate Guide to Texting for Insurance. It’s available for download (and free!) if you’d like to review some of our insurance-specific research and tips before the webinar.
Interested? Here’s a preview of what you’ll learn in this webinar…
- The current state of communication in the insurance industry
- Insurance customer communication preferences
- How to use texting for claims, sales and service
- Texting etiquette for insurance
- And more!
If you’re an insurance carrier, agent, service representative or claim adjuster looking to improve your customer communication, and you think texting could be the answer, this is the webinar for you.
This webinar originally aired on Thursday, October 10 at 11 a.m. PDT.
Table of Contents:
Keith Hitchcock: Hello and welcome to another webinar at Zipwhip Headquarters in Seattle, Washington. This is How to Master Texting for Insurance Sales, Service and Claims. I’m your host, Keith Hitchcock, Digital Content Producer here at Zipwhip. This webinar series is designed to help business professionals like yourself with their customer communication strategies. We offer you practical tips and tools, resources and high-level thought to help you with your business goals.
Keith Hitchcock: This week, we’re talking about texting for insurance. You’re either contemplating texting for business or maybe you’re already an insurance company that’s texting insureds and you’re looking for some inspiration. In any case, you’ve come to the right place. Welcome, sit down, relax.
Keith Hitchcock: Without further ado, I want to introduce our presenter here. This is Dave Padget, Senior Marketing Manager at Zipwhip. Dave, welcome and tell us a little bit about what you do here.
Dave Padget: Thanks a lot, Keith. Thank you very much for inviting me. As Keith said, I’m Dave Padget, excuse me, Product Marketing Manager here at Zipwhip. The little bit about myself is I seem to have… I’ve had a career that’s been spent in and around the financial services industry. I’m a former banker. I earned my CISR designation and I was a licensed producer a couple of times in my career. That’s what I was in the past.
Dave Padget: Currently, I’m a tech geek who really is passionate about helping companies, within the financial services industry, to understand technologies and really understand how to use and implement them within their businesses to make a real positive impact for their customers and for their business.
Keith Hitchcock: Okay. You’ve met Keith, you’ve met Dave. There’s one other person I want you to meet. That’s Natalie. You won’t be seeing her, but she may be responding to your questions and comments online. We have an extra person there, Natalie, who is hopefully going to be helpful if you have a question or comment. Even though we do have our own dedicated live Q&A section at the end of the webinar. You’ve got to know us now. Let’s get to know you.
Keith Hitchcock: I’m going to launch a poll so we can get to know you a little bit better and this is an easy one or should be easy anyway: “Is your company currently texting insureds?” Answers are simple. It’s, yep, not yet or I’m not sure. It’ll be interesting. It’s always interesting to see the folks who are not quite sure. We’ll give you a few moments to engage with that. Then, I will close the poll. Here we go.
Keith Hitchcock: Let’s take a look at the results. Dave, what do you think?
Dave Padget: Hey. It looks like more than half of you are already texting with your insureds. That’s great. Hopefully, we’ll learn a little bit more about how you’re texting with them. That 6% who, I’m not sure, sometimes I think that that just means I’m not sure if I should say that I do because I’m not supposed to.
Keith Hitchcock: Okay. Yeah.
Dave Padget: That looks about typical for what I see in the industry.
Keith Hitchcock: Yeah, okay. You’re curious about how people are texting.
Dave Padget: Absolutely.
Keith Hitchcock: We decided to launch this question as well. “If you currently text with insureds, what texting solution do you use?” Just to two choices here, is it a personal device or devices or a texting solution on your computer? We’ll give you a few moments to engage with that and it’ll be interesting to see the results. Let’s close the poll here. Here’s what we got.
Dave Padget: Hey, look at that. About 60-40 split with most people using a solution for their computer. Thank you. That makes me feel a lot better. Later on in the presentation, I’ll let you know my personal biases about texting using a personal device, the app that comes on your personal device.
Keith Hitchcock: Okay. I think you can kind of already sense Dave’s feelings about that.
Dave Padget: Yeah.
Keith Hitchcock: Okay. All right. Well, it’s good to know you a little bit more.
Keith Hitchcock: Let’s briefly go over our agenda today. If you’re new to GoToWebinar, it’s pretty straight forward that you should be seeing a main presentation window on your screen and then, a control panel where you can adjust the audio or the device with which you’re listening over there and the volume. Then, there’s the question panel or window. That’s very important because you can also drop a comment there. Whenever you get a question or a comment in your head, just toss it in there and we’ll do what we can to get to your question during our dedicated Q&A time.
Keith Hitchcock: What else? I do want to mention this text line that we have too. We practice what we preach around here, so we’re using our keyword function in our Zipwhip app. You can, right now if you want, you can text the word insurance to this number, (347) 772-3529. If you don’t have something to text with right now, that’s okay. I’ll be sending this a recording, video recording of this presentation along with the slides, so the number will be with you there if and when you review this. What you get when you text that word to this number is a few more links that will help you to go a little deeper with this, including our link to our e-book, The Ultimate Guide to Texting for Insurance. That is our text line.
Keith Hitchcock: Now, let’s dive into How to Master Texting for Insurance, Sales, Service and Claims with Dave Padget here. I warned Dave that I had certain questions that I wanted to ask him during this webinar and he came back with this robust PowerPoint. I’m just so excited to get to this content starting with the first stop is actually a physical stop that you made to both InsureTech Connect and the American Agents Alliance. How did that go and what did you learn there?
Dave Padget: Yeah, thanks for asking. A couple of weeks ago, I went to some back to back insurance-related conferences. The first was InsureTech Connect, which was in Las Vegas. This is a big conference, where there are number of people in all aspects of the insurance industry, insurance carriers, independent agents, MGAs, TPAs, wholesalers, all kinds of different insurance-related people were at this location. Then, thread on the heels of that, I went to the American Agents Alliance trade show and this is a group of independent insurance agents in the Southwest region of the US. At both of these conferences, there was a lot of interest in really, how do insurance companies really compete in this digital world, where there’s digital disruption happening in the insurance industry. A lot of the conversations were really around how do I make sure that I keep that relationship with my insured and texting is a great way to do that. We’ll get into that.
Keith Hitchcock: Okay, great. This was the first question I had for you. What is driving demand for business texting?
Research and Statistics
Dave Padget: Right. To talk about why business texting in the insurance world, let’s look at a couple of other communication channels, phone channel. Phone calls are very important in the insurance space. There’s a lot of relationship building, but people really don’t answer their phone during the day, which is when most business calls happen.
Keith Hitchcock: Right, right.
Dave Padget: In fact, 87% of people don’t answer their phone if they know it’s a business call. Phone channel, really is, there’s a lot of phone tag happening.
Dave Padget: Let’s look at email. No one will be surprised to hear that there’s more and more spam hitting email boxes.
Keith Hitchcock: Right.
Dave Padget: Statistics say that more than 50% of people have 7 or more unread emails in their inbox. Personally, I have far more than that in my personal email—
Keith Hitchcock: Me too.
Dave Padget: That will never get read, if I’m honest.
Keith Hitchcock: Right.
Dave Padget: Email is becoming less and less effective.
Dave Padget: That really takes us to texting and the value of texting, if you go to the next slide, Keith, I point your attention to this statistic on the right.
Keith Hitchcock: Oh yeah.
Dave Padget: 98% of texts are opened. They’re read. Texting really is a medium that is interacted with. 74% of consumers have 0 unread texts on their phone. I’m in that situation as well and it really is a preferred method of communication. One statistic that I want to point out, we recently published an e-book called, Why Your Customers Don’t Answer the Phone Anymore, and the main statistic that jumped out at me in that e-book was 77% of consumers have experienced some sort of anxiety over talking on the phone. I just want to make sure people hear that. 77% of your customers have experienced some sort of anxiety about simply talking on the phone, so looking for alternate methods of communication is really, really important.
Keith Hitchcock: Yeah. Okay. You’re referencing texting for business in general. But here’s a question, do people really want to text about their insurance?
Dave Padget: Great question. We have that same question and so we launched a survey. About a month and a half ago, we surveyed 500 consumers about their communication preferences, specifically around insurance and this is what we learned. A whopping 67%, 2 out of 3 say, “Yeah, I do want to be able to text with my insurance provider.” When you go a little deeper, 1 out of 3 of those who said yes were overall almost 25%. 22% said, “Yeah. If given the choice, texting would be my primary communication channel.”
Keith Hitchcock: Right.
Dave Padget: Again, this is for insurance. These are your customers saying I want it to be my primary communication channel with my insurance care providers.
Keith Hitchcock: Interesting. Okay. I imagined that that’s probably just the younger folks, the millennials, but maybe not so much the older folks. Right?
Dave Padget: Common misconception or a common thought. I’ll put it that way. I won’t say misconception because texting really does skew more toward the younger generation. Go to the next slide.
Dave Padget: People born in 1981 and earlier, more than 80% of them do want to text with businesses, but that is not just the younger generation. Gen X, 76%, baby boomers, almost two thirds of baby boomers also want to text with—
Keith Hitchcock: Wow.
Dave Padget: With businesses.
Keith Hitchcock: That’s surprising.
Dave Padget: Yeah. Again, it may not be their primary choice, a primary form, but they do want the ability and it’s not only the younger generation, although it does skew that way.
Keith Hitchcock: Apparently, you have a sense of what they want to be texting about as well.
Dave Padget: It’s not that I have a sense, Keith. We didn’t know or we thought we did, but we asked them. Again, in that survey that we did, we asked them what do you want to text with your insurance provider about? It’s not surprising. It’s service questions, billing, when do I have a premium notice due or a premium payment due, appointment reminders, and schedules.
Dave Padget: I want to point out on here that a little more than one third actually want to work on any claims that they have—
Keith Hitchcock: Interesting.
Dave Padget: … via text. It’s really across the board.
Keith Hitchcock: Okay. Love it. That’s all well and good for the insureds, but what about the texting companies? Is it really good for them and like a worthwhile endeavor for them to have?
Dave Padget: Yeah. I’ve been talking about texting with insurance related industry for about three years and there has been a little concern about whether or not, “Yeah, but is this right for us?”
Keith Hitchcock: Right.
Texting for Claims
Dave Padget: Even if they believe the insurance want it, is it right for us and absolutely it is. We’re going to talk about three main areas today where it really makes sense for insurance providers to offer texting. One is claims really helps you to adjudicate your claims more quickly. Second is the sales and distribution channel. Texting can help to accelerate the sales cycle as well as increasing retention and then, service. Really, a great way to deepen those relationships and increase customer satisfaction.
Dave Padget: If you don’t believe me, I’ll point out this quote that Vince Moser, an insurance agent gave us. He said that after implementing his texting solution, his branch’s close ratio improved, retention improved and it increased the customer satisfaction. If you don’t believe Dave, believe Vince.
Keith Hitchcock: Believe Vince. Okay. You can talk to Vince personally. Track him down and ask him if you really meant that. Okay. We have identified three main areas where texting companies are using texting for business. Let’s go a little bit deeper in each of those areas starting with claims.
Dave Padget: Sure. Yes. With claims, claims is really a great use case for texting. By texting, it really does help to accelerate the communication and really reduces a lot of time spent in phone just leaving unanswered voice messages. Texting is a great way to collect information. Whether it’s just a quick, “Hey, can you send me XYZ information,” and the claimant texts back, “Yeah, here’s the answer.” But also being able to send MMS or pictures and video. Great way to get a picture of the damage to a vehicle.
Keith Hitchcock: Interesting.
Dave Padget: Or if there’s a long number that needs to be conveyed, so a VIN number or a driver’s license number or something, rather than having that communication where the claims adjuster has to hear it and type it in. A lot of opportunity for human error there.
Keith Hitchcock: Right. Is that a V or a B?
Dave Padget: Exactly, exactly. Have your claimant snap a photo of their driver’s license or have the VIN number or their car registration to get the VIN number and then just text that in. Also video, so if you have a few, it would be helpful to have a short video of where the accident occurred, for instance.
Keith Hitchcock: Interesting.
Dave Padget: With voiceover, so I couldn’t see around this corner because this bush needs to be trimmed back and it was a blind corner. Something like that. All can be sent via text message.
Keith Hitchcock: Fascinating.
Dave Padget: Then, customer satisfaction, not only customer satisfaction but claims adjuster satisfaction. A couple of adjusters that we’ve spoken to, one said that he really believes his experience is at about 80% of the people that he works with, of his claimants, prefer to talk with him via text. That’s a little stronger than even our numbers show. I love this other one. Another adjuster said that if his company stopped using Zipwhip, he would want to continue his own Zipwhip subscription and pay for it out of his own pocket.
Keith Hitchcock: Oh my gosh.
Dave Padget: That’s because it really does help him to feel more efficient. It doesn’t waste a lot of time with phone tag and he says it really has made him enjoy his job more.
Keith Hitchcock: Wow.
Dave Padget: Really powerful statement.
Keith Hitchcock: Well, if you’re actually getting responses from your members, your insureds, that’s got to lead to some satisfaction.
Dave Padget: Absolutely.
Keith Hitchcock: Okay. That was claims. Let’s talk about this next area, sales and distribution.
Texting for Insurance Sales
Dave Padget: Yeah. In the distribution or insurance agent channel, a couple of areas I want to talk about here. One is texting can help you to sell more and sell it more quickly. Then secondly, we’ll talk about retention.
Dave Padget: Let’s first talk about selling more and selling more quickly. Phone conversations will probably never go away when it comes to selling insurance, right?
Keith Hitchcock: Right.
Dave Padget: You have to have those detailed conversations. But let’s take out of the sales process, let’s get that phone tag out of it. You can quickly check availability via text. “Hey Keith, I need to chat with you about your policy. What time are you available? Either Wednesday at 3:00 or Thursday at 1:00.” Keith can quickly text me back, “Thursday at 1:00 works better for me.” Then, I can help to reduce no-shows by, right when we decide to meet Thursday at 1:00, I can schedule a text to go out. “Hey Keith, look forward to meeting with you at Starbucks at 1:00 today.” Then, I schedule that to go out at 11:00 on Thursday.
Keith Hitchcock: Nice.
Dave Padget: I’m done. I know my reminder is going to be sent. Keith gets his reminder. He doesn’t stand me up. Great, great way to do it.
Keith Hitchcock: That’s great.
Dave Padget: Even just accelerating closing. Sometimes, you just need to have a quick reminder out to get busy people to think about their insurance.
Keith Hitchcock: Right.
Dave Padget: Doing that by text, again, 98% of those texts were viewed. That’s a good way to get that reminder out there.
Keith Hitchcock: Okay. Retention as well.
Dave Padget: Yes. Then, with retention, retention, extremely important metric, possibly the most important metric in the distribution or the insurance agency channel. Agents are great at sending out reminders, birthday notices, that sort of thing.
Keith Hitchcock: Right.
Dave Padget: I used to get a birthday card from my insurance agent in the mail. Now, I get them by email. If they really want me to see it, text it too. Right?
Keith Hitchcock: Yeah.
Dave Padget: It’s easy to do. But another great use case to help increase retention is around policy renewals. This is a story that was conveyed to us at InsureTech Connect a couple of weeks ago. There’s an agent who has a really, really good customer who has a boat and he had let his policy lapse on that boat. This agent was trying, for almost a year, through phone messages, through emails to really get his insured’s attention and say, “Hey, you’re still using your boat and it’s not covered. We need to take care of this right away.” As soon as that agent was able to text through their business line, two days after that, that policy was renewed and their retention went up and his insured was finally covered against the risks.
Keith Hitchcock: He was trying everything. Then, he finally just texted and—
Dave Padget: That’s what it took.
Keith Hitchcock: Wow. Great. Yeah.
Dave Padget: I like this quote over here on the right from Joe Clevenger, “Five months ago, our retention rate was 88%, which is not bad and now it’s 94%.”
Keith Hitchcock: Wow.
Dave Padget: “The only thing that changed from then until now is that we text.” That is a big bold statement.
Keith Hitchcock: That is.
Dave Padget: Joe, if you’re out there, I’m proud of you.
Keith Hitchcock: That’s powerful. Okay. We’ve covered claims distribution and you mentioned service and support as well.
Texting for Insurance Service and Support
Dave Padget: Right. Yeah. I won’t go into the details of this. We’ve already talked about the fact that people in general want to be able to text with businesses. Your insureds, specifically, want to be able to text with you. It clearly is your insured’s preferred method of communication.
Dave Padget: In addition though, staff satisfaction. Your service staff will love being able to text with your customers. They don’t play as much phone tag. They can quickly ask and answer a question and then, get back to the part of the business that they probably enjoy more, which is more building the relationships, answering the more challenging questions rather than, you know, what time of is your office open? It really does help.
Dave Padget: Another use case that came up a lot while we were at American Agents Alliance, down in Southern California, was around English as a second language. For those customers who for whom English is not their primary language, texting they’ve found is a great way to quickly have those conversations. Because they’re in print, they can be more specific and more clear. Even one of the agencies, they have templates set up. They’ve got an English version and a Spanish version of the template, so depending on the language preference of the customer, they can text to that customer quickly and easily in the language of choice of the customer.
Keith Hitchcock: That’s brilliant. Okay, cool. You have outlined three strong areas where texting for insurance is happening. I thought it’d be good to touch, just at least briefly, on some texting etiquette. That’s probably going to happen in each of those areas and maybe other areas even beyond the ones that you had mentioned. Let’s talk about those.
Dave Padget: Right. With texting for business, a lot of similarities to texting though as you do it personally. But there are a couple of things to consider and keep in mind. Number one, texting is a quick, immediate medium. Your customers texted you because they want a quick response. Reply quickly. Keep your text short. This is a business communication. Don’t forget that. Make sure you’re spelling your words correctly. You spell check and if you need a specific piece of information back from your insured as a response to your text, ask for it. Tell them what you want from them.
Keith Hitchcock: Yep, okay.
Dave Padget: Then, also think about etiquette. Be mindful of the time of day. I really love it, Keith, when my insurance agent is working on my needs at 11:30 at night, but I don’t want to get that text message as I’m lying in bed with my phone next to me. No, be thoughtful of etiquette or be mindful of the time of day. If you are working on an issue for your insured at 11:30 great. Use our scheduling function. Complete your text, answer the question, tell your insured what they need to know, but don’t send it 11:30 at night. Schedule that text to go out at 8:00 AM or 9:00 AM, when I’m awake.
Keith Hitchcock: Right.
Dave Padget: Also, when we get to etiquette, let’s talk about the use of emojis in a business setting. We’ve done a lot of research over the years on this topic and the good news is that it’s okay to use emojis.
Keith Hitchcock: Yay.
Dave Padget: A thumbs up, a smiley face, but using the emojis sparingly. You don’t want to send a message that is all emoji and then, your insured has to decipher these hieroglyphics.
Keith Hitchcock: Right.
Dave Padget: Emojis are okay. However, acronyms, not okay. Hopefully, you already are not using the alphabet soup or acronyms of insurance. You don’t tell your customer that you want to talk to them about their BOP or their PIP or their UIM. Hopefully, you’re not using those acronyms, but equally don’t use that are common within the texting genre. No LOL, no BTW, IMO, OMG, LMK. Don’t use the acronyms. To summarize, emojis, acronyms, not so much.
Security and Personal Devices
Keith Hitchcock: Not so much. Okay. Thanks for talking about this. Oh, we get to finally talk about this feeling that you have about people using their personal devices.
Dave Padget: Yeah. This is one of my strong opinions, but it’s also a best practice. If you or your staff are using your personal device to text or the texting app on your personal device to text your insureds, I hope you’ll stop that right away.
Dave Padget: There’s several reasons. Security, data control, branding control. If your staff is texting using their personal device, you as an owner or manager, don’t have any insight into specifically what’s been said. The reason that really is the most near and dear to my heart is it’s about security of the data. If your staff member loses their device on in a cab, on the subway, on a bus or if they leave the organization to go work for your competitor, or even if they just leave the organization to work somewhere else, all of that customer communication, all of that data is gone. You can’t get to it.
Dave Padget: Using a texting for business solution like Zipwhip keeps all that information right there in your control. You have insight into it, you can make sure that your policies and branding is being followed and that communication is there for the next time you communicate with your customer as well as for errors and omissions, that it’s all there. Please stop using the app that comes on your phone to be texting with your insureds.
Keith Hitchcock: Okay. Strong words and best practices there. Okay. We have covered a lot of ground, so I think we need to do a brief recap, Dave. Help us out.
Dave Padget: Great. Sure. The things we covered today, texting really is the preferred method of communication for your insureds. It can help you to close more business and close it quickly. It’ll help to increase retention, extremely important. It’ll improve satisfaction of both your insureds as well as your staff. In the claims world, that absolutely helps to adjudicate those claims much more quickly.
Keith Hitchcock: Okay, perfect. Thank you so much for that. Are you still out there? We’re going to see, we’re going to launch a poll and see if you’re still with us out there. With this, our third poll question, feel free to engage with us here: “What is the most important texting use case for your company in your opinion?” You may not be texting yet, but you can still answer this question if you see texting potentially helping your business. Curious about what do you feel is the most important here, the most important use case. Give one more moment for you to finish up there and we’ll close this poll and take a look. What do you think Dave?
Dave Padget: Not at all surprised to see that it looks like the two big ones are customer service and support and sales and inquiry. when you really think about it, that’s a lot of… If we just asked you what are the two of the main, excuse me, main metrics in your insurance business, it would be “Am I selling enough?” and “Am I servicing my customers?” Makes perfect sense.
Keith Hitchcock: Okay, there we go. Thanks for playing out there.
Keith Hitchcock: Okay. We are finally to our Q&A section and we don’t have a lot of time, but a time to answer a couple of questions here. Go ahead and even if you think we don’t have time for your question, go ahead and drop it in in there. We will do our best after the fact to get back to you with an answer to whatever you are thinking about.
Keith Hitchcock: Let’s dive into question number one, which is, “Once I start being able to text, what’s the best way to let people know that they can text me?”
Dave Padget: Oh, sure. Yeah. This is an easy one and it’s an important one. Once you have your business phone line enabled, any place where you would tell your customers that they can text you or that they can call you. Just have the words call or text. On your website, call or text 1-800-555-DAVE. On your Facebook page, on your business cards, in your email signature. Any place where you would have your phone number and just add the words call or text phone number.
Keith Hitchcock: What people don’t always understand is that you use that same number.
Dave Padget: Same phone number that can now either accept a phone call or a text, so it makes it really easy for your customers.
Keith Hitchcock: Okay. Here is a question coming in: “What are your thoughts on sending birthday wishes?” Presumably via text?
Dave Padget: Yeah. It’s a great way to do it. A lot of insurance agents do use text just for a quick, “Hey, thinking about you. Happy birthday.” It’s entirely up to the business practices of your company. I would say if you’re currently sending birthday wishes and you have a customer who likes to communicate via text, send that birthday wish via text.
Keith Hitchcock: Yeah. Okay. That’s fair. Let’s do one more question. Let’s do this one. Okay. This question is coming in: “What about data security?”
Dave Padget: Yeah, this is one is very near and dear to my heart. It’s a great question. I’m glad someone asked this, glad we’d get a chance to cover it. Zipwhip really does take the security of our network and your customer’s data extremely seriously. You can really rest assured that your information, all of the texts, all of the data are stored securely in an encrypted format, both in transit and at risk, the whole time that they’re in the Zipwhip network. Security is extremely important.
Dave Padget: We are SOC 2 compliant and audited. I won’t go into the details of SOC 2, but it’s sort of a SaaS industry standard. Very important that your texting provider is SOC 2 certified Zipwhip is.
Keith Hitchcock: Yeah. Okay. We need to start rolling or wrapping up here. If we didn’t get to your question, we will do our best to get back to you with an answer. Maybe Dave, personally, will follow up with you with an answer. As we do our wrapping up here, I want to remind you about our text line. Not only can you text insurance to get a few more of those helpful links that we’ve been referencing and some surprise links that we haven’t mentioned. You can also send the word chat to that number if you’re interested in chatting further about what the Zipwhip texting solution might do for you and your business. If you have other questions, you can also just toss those in, text them to us via that line.
Keith Hitchcock: I want to thank you, Dave, for your wealth of information and ideas and inspiration around this.
Dave Padget: Great. Thanks a lot again for having me and I really hope this was helpful to everyone out there. Yeah.
Keith Hitchcock: I’m sure it was to a lot of you folks. Thank you for joining us. If you are interested in going a little bit deeper with information, again, there’s that e-book that I mentioned, The Ultimate Guide to Texting for Insurance. Natalie’s tossing a lot of the links right out there. If you want to copy and paste those and start clicking those before the webinar ends, feel free to do that. I’ll also be following up via email to send you some of these links.
Keith Hitchcock: As a thank you for filling out a brief survey, when I close the webinar, we are going to send you that video recording and the slides to what you experienced today for your review. Feel free to review this with your team, share this with other folks that you think might be interested. With that, I think we will close up shop. Thanks again for joining us and we’ll hope to see you for another webinar next time. Bye-bye.
Dave Padget: Bye, everyone.