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5 Ways to get Faster Quotes
Be clear and concise. Confusing RFPs create questions and questions take time to answer. Multiply the number of questions by the number of carriers to whom you send RFPs and it’s not hard to imagine that a good amount of time can be saved by sending requests that are clear from the start. Examples of things [...]
Even Toddlers Need Dental Coverage!
In a recent New York Times article, “Preschoolers in Surgery for a Mouthful of Cavities,” we meet a young family in the surgical wing of the Center for Pediatric Dentistry at Seattle’s Children Hospital where a 2 ½ year old is put under with anesthesia. X-rays show 11 of 20 baby teeth having cavities. The [...]
Help Your Clients Manage Current and Future Medical Costs
Gap plans have been around since Johnny Carson was hosting The Tonight Show. And today more than ever they provide solutions for employers looking to control major medical costs. “Gap” is the generic term for supplemental plans designed to work in conjunction with an employer’s underlying major medical plan, providing benefits to offset some of [...]
Pushing Past the “No” in Voluntary Benefits Selling
One of the biggest challenges that brokers face in implementing voluntary benefits today is the owner shutting down the opportunity for the employees before they ever hear about the products. Brokers hear an owner tell them, “My employees don’t want those benefits – besides they cannot afford them anyway!” If not responded to properly, the [...]
Looking Ahead in the New Year
Happy (blessed) new year to you all. It appears we have an eventful year shaping up. I was looking through the Wall Street Journal for what is on its calendar, and it includes some pretty large insurance-related items. We know that life carriers are re-pricing their products, with both term and GUL taking the lead [...]