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 A "Teaching Approach" to  Fl Health Insurance

We Are Very Different.. And Why

We Take A "Teaching Approach" to  Fl Health Insurance, and to let you know right away, this is very different.

The mantra of the industry is "Sell First, Teach Second (if ever)"

There’s a real problem in the industry today. First, over 90% of the people buying Health Insurance are buying it for the first time. They are buying it with absolutely no frame of reference in most cases, other than possibly what they learned from exposure to a company paid plan or group plan.

In that environment, most people are not aware of the wide range of choices they have, and what the implications of the choices are.

The terms "ownership cost" and "use cost" are alien, and if they recognize them, they have no idea of how to calculate or evaluate them.

And most agents in this business first work on commission and are out there to get the sale at about any cost, because they know if they are working with someone who is looking for insurance, if they don’t get the sale, someone else will and to hell with ethics.

The old adage "Give the customer what they want" prevails.

But here’s the dilemma: Is what "they want" the best thing for them? If they knew, would they make other choices?

In nearly every case, the answer is "yes, they would".

But sitting down and having some serious talk about "what you want" vs what maybe might be your choices, and then how to evaluate them.. is not a subject I find most people are not just willing to do.

It’s often a "losing situation" for an agent as well. They have spent $5, 6, or maybe $15 just to get a name or "lead". IF they try and teach, my experience has been that you lose over 2/3rds of the client. Most are not interested.

Are you interested in knowing what works, how, and what’s the best for you ? Are you interested in knowing about your choices?

If so, you are at the right place, working with the right person.

If not, then chances are while I could easily give you what you want... I probably won’t.

You see, sooner or later you probably will learn what you have...and don’t have. It probably won’t be until you have a major use for your insurance, and you see, many agents are banking on the fact that for the "heavy duty" use, you statistically will never have this requirement.

But in the meantime.. do you know? Yes, you have bigger day to day concerns. The job, your income; the kids getting into college and how to pay for it. This is just something most everyone doesn’t think of. I know until I became first an agent, I didn’t.

Why would I risk first my time, then the cost of a lead, and then the sale to try and teach you and work with you? Good question.

The answer is LONG TERM business and relationships. The first commissions are nice, but the real income in this business is from long term business "on the books". I don’t want to be your agent for just one year or two. I want to be with you for 5, 10, or more.

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I’m not going to try and sell you a "first year lowball" policy, knowing that in a year you’ll see a 20% increase, but then I can come back with another new company and "starter rate". Yes, that is done regularly.

I do have a vested self interest, like everyone else. Mine is the knowledge that first repeat sale year after year is where the money is. Mine is the belief that if I truly treat you right, you’ll refer me to others. That beats a cold call internet lead every time.

In short, it’s a win win situation.

There’s a form on this site to contact me; there’s articles here to help educate you; there’s references to books.

Let’s join together and make certain you have the best ever possible policy.

Joe Leech
Master Broker/Webmaster

For a Full Instructional Web Site, CLICK HERE