Social Proof

Our Business Model – Why We Are Built Around You

The trend for health insurance agencies is to cut back on their staff and run lean rather than rich.  The Medical Loss Ratio in the ACA put severe pressure on revenues tempting agents to outsource or cut service altogether.  Many also limited the scope of their practice to the most profitable segments of the market becoming niche players. This is even truer in the Bay Area where the cost to run a back office is prohibitively expensive.  READ MORE

When Things Get Complicated

 The two primary purposes of owning health insurance are so people can have access to medical care when they need it and to prevent people from being financially wiped out in the event they do.  Hopefully, you will never need to use your insurance or if you do, it is after a good long healthy life, but sometimes that is not the case.  All too often we are witness to insureds who suffer severe traumas or chronic medical issues that are both physically and financially devastating.  Our role is never more important than at that time and it is what truly separates the great agents from the mere transactional ones.  READ MORE

A Good Example

Doctors’ and dentists offices are frequently epitomized by a tale of the “Shoemaker’s Children”. They are so busy providing medical care to others that they frequently don’t have coverage for themselves. But they are people too and get sick as well.

So the tale goes like this; I originally met with *Becky, the office manager of a local practice a year prior to review their current group health and dental plan. While the meeting went well they had another broker who played golf with the boss much to the chagrin of the office staff. However, since I was the one approaching them I gave her a second opinion and then stayed in contact. Well, lo and behold, almost exactly a year later I get a call. Becky was now working at another medical practice for a doctor just out of medical school who was trying to establish her new practice. After a good 4 or 5 months after this second meeting, we finally settled on a plan and will be enrolling them in about two months about the same time this website will be up and running. Huzzah!   READ MORE

A Self Selecting Process

The nicest thing about having good clients

Every business says that they love their clients, but we really do.  Really!  It sounds cliché but when we think about it, we literally do not have a single client we don’t like.  Some are more challenging than others but that is natural and also what makes our job interesting.

I say this not to just gratuitously share a feel good message but because it is testament to the way we operate and how we are able to form tight relationships with our clients, something both sides benefit from.

Not every agent operates this way.  The industry has become increasingly commodified and transaction oriented and building relationships is expensive.  The result has been that many insureds get thrown into the mosh pit when they need help.  We have always resisted this approach but it has taken us years to build a system that works and it is not easily replicated  READ MORE