About Us
Specializes in medical, dental, disability, accident, critical illness and life insurance products. Customizes complete packages to suit client needs.
In addition, we provide counseling to individuals and families including, but not limited to personal financial counseling, debt management, and housing counseling.
The products and services we offer
Products & Services
No bells and whistles that the big name carriers offer. This is a barebones insurance plan that provides annual physicals, wellness visits, blood s...
An accidental injury catches you off guard. An injury sends you into worry, uncertainty, inconvenience and creates expenses you hadn’t planned for....
Smile brighter with big savings on dental services at over 213,000 available dental practice locations nationwide. Just present your card with the ...
Gallery
Recommendations Given (3)
"I respect what Dr. Hudson is doing for the community. "
"Tom provides sound insurance advice, I trust his judgement to help grow my business."
Recent Activity
They are definitely legit but, policy-holders must have realistic expectations. They are not health insurance and most plans leave members as cash-pay patients. They can take a couple of days to reimburse but it works very closely to the same concept of health insurance.
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They are definitely legit but, policy-holders must have realistic expectations. They are not health insurance and most plans leave members as cash-pay patients. They can take a couple of days to reimburse but it works very closely to the same concept of health insurance.
1 Reply
Busy is only good if it translates into accomplishing the intent of your business, which to some degree involves making money. Some leads state they are busy but what they really mean is that they don't value what you are telling them. I understand that must be frustrating when you are trying to...
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Busy is only good if it translates into accomplishing the intent of your business, which to some degree involves making money. Some leads state they are busy but what they really mean is that they don't value what you are telling them. I understand that must be frustrating when you are trying to sell and make some money but these people don't value what you are selling so you must move them to the bottom of the list. You have to connect with the people that actually have a problem that you sell solutions for. If your leads do not have a problem, they will not value your product or your conversation.
Some brokers don't have enough products to deal with the various groups of people you will encounter when you serve groups. If you only have one accident plan from one carrier I can tell you that is not enough. You have to offer enough products to ensure your groups are covered. There are so many...
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Some brokers don't have enough products to deal with the various groups of people you will encounter when you serve groups. If you only have one accident plan from one carrier I can tell you that is not enough. You have to offer enough products to ensure your groups are covered. There are so many different prices and situations that using just one cookie-cutter product will leave huge gaps in coverage which will ensure that your relationships and business partnerships will be cut short.
Coming from a person who is not a professional website designer, I think your page looks fine. The only people that will critique it to any degree will be website designers. Your customers need functionality and content. If you concentrate on making your website provide an enjoyable experience...
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Coming from a person who is not a professional website designer, I think your page looks fine. The only people that will critique it to any degree will be website designers. Your customers need functionality and content. If you concentrate on making your website provide an enjoyable experience then you have done your job. Continue to tweak so it does not become outdated but do not believe you need a website done by professionals to attract new customers.
Hello Jay, the problem I have discovered with these types of seminars is that people don't expect to learn, they only show up for free prizes or however you get them in the door. No matter what you do, many of them will see it as a sales opportunity and will not participate. I found it more...
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Hello Jay, the problem I have discovered with these types of seminars is that people don't expect to learn, they only show up for free prizes or however you get them in the door. No matter what you do, many of them will see it as a sales opportunity and will not participate. I found it more beneficial to offer these types of events on a YouTube channel or some other kind of on-demand service. That way the prospect can watch the video on their time without the expectation of purchasing a product. It gives you the ability to show you expertise and to earn their trust.
1 Reply
I say fact-find as much as possible. Insurance policies are complicated so the people you are selling them to must trust that you have considered every situation for everyone in their family. You have to dig deep and ask questions that allow them to reveal parts of their private life. This is why...
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I say fact-find as much as possible. Insurance policies are complicated so the people you are selling them to must trust that you have considered every situation for everyone in their family. You have to dig deep and ask questions that allow them to reveal parts of their private life. This is why they say it's really about relationships. When you sell a policy, you walk away knowing many things that they probably don't even tell their closest friends.
As an independent health insurance broker, I refer to medical professionals all the time. One of the first benefits I explain is the network. I usually pull up all the clinics in the area and I can refer them to a particular place based on what I hear from current clients. If you are not on the...
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As an independent health insurance broker, I refer to medical professionals all the time. One of the first benefits I explain is the network. I usually pull up all the clinics in the area and I can refer them to a particular place based on what I hear from current clients. If you are not on the network, I can nominate you to become a network provider. If a new provider came to me to be added to a network, I would definitely keep their business cards and refer them to clients. That would generate a lot of new business because people new to an area take the advice of the professionals who live in their town.
Thank you for your honest answer Kimberly. Price is a huge factor when it comes to insurance because in many cases, insurance is a necessity or even the law so price is truly the easiest way for consumers to do a comparison. Unfortunately, when done this way many consumers end up with policy...
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Thank you for your honest answer Kimberly. Price is a huge factor when it comes to insurance because in many cases, insurance is a necessity or even the law so price is truly the easiest way for consumers to do a comparison. Unfortunately, when done this way many consumers end up with policy benefits they cannot and will not use.
In reality, all of us insurance agents have similar products with different names and prices that are even more different. A consumer should not be expected to be able to distinguish the good policies between the bad ones.
An independent agent can really help educate you when it comes to your choices. As an independent agent, you do not sell directly for the insurance company. Our commissions are still based on the sale of a policy but it does not matter which carrier that policy comes from. We can look at multiple companies to find you a product that best fits your needs and your budget. If you are looking for a policy in a certain price range, an independent agent should be able to find multiple choices and explain to you the differences to find you the best price.
Cold calling is not as bad as most people think. Sure, there are some rude people but just as quick as some hang up on you, you can hang up on them. Do not take anything personal. You have no idea what the person was doing that you just interrupted. Some will be irritated that you called while...
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Cold calling is not as bad as most people think. Sure, there are some rude people but just as quick as some hang up on you, you can hang up on them. Do not take anything personal. You have no idea what the person was doing that you just interrupted. Some will be irritated that you called while they were eating dinner. Just move to the next person.
If I call 10 people, 6 will probably hang up halfway through my script; 2 will let me finish then say no thank you and hang up; and 2 might actually engage in conversation with me. The goal is to have them give me information so I can set an appointment to try to sale them something.
Obviously, the more appointments you set, the more sales you get. So just remember that cold calling really does not have to be more than 3 to 5 minutes. I can get through 100 people in an hour pretty easy.
Jessie, I believe you might have unmasked an issue that is known to many insurance people but not to many insurance customers. Most people do not have an actual relationship with the person they call their insurance advisor.
One thing I continue to tell people is that a local insurance...
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Jessie, I believe you might have unmasked an issue that is known to many insurance people but not to many insurance customers. Most people do not have an actual relationship with the person they call their insurance advisor.
One thing I continue to tell people is that a local insurance agent/broker is such a viable asset. If you are not leaning on them for advice, you are probably paying too much money. Every time your policy comes up for renewal, the client should be scheduling an appointment with the agent.
Your life changes and so does the policy. Build a relationship with your agent/broker so you stay educated.