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Visually I dont think there is anything seriously wrong with the site.
It seems easy to navigate and has pleasing graphics and fonts.
The 725 pixel layout is quite narrow by todays standards.
1024 px is pretty much the norm for web2.0 sites.
I wouldnt go so far as labeling it a disaster.
But it does need a bit of SEO sprucing.
As mentioned, unique keyword laden titles are very important.
Also, looking at the source code, you have no META description.
META description helps a bit in terms of SEO but more importantly
it helps the search engine to figure out what text snippets to show.
You could also make better use of H1, H2 tags.
Also I didn't see any ALT tags used with images.
These are especially important when using images as links
plus the visually impaired rely on them. Do you accept blind people
into your courses? If you do, you are not helping them much.
But anyway, onpage SEO only gets you so far.
The rest is all down to link building.
And for that you need to give people a reason to link with you.
You need to offer some link bait.
How about paying some content writers to write any article
on "how to pass the insurance exam" or something useful like that.
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