I recently met with a client of mine – let’s call him ‘Jim’. I’ve handled Jim’s personal and business insurance for over 20 years. His business situation was changing, and he wanted to review his policies and see what, if anything needed to be altered.
As I went over the details, he mentioned that he’d just moved his employee group benefits plan to a different carrier. When I asked him for information about the plan, he couldn’t answer me. He had no idea how much or what kind of coverage he had. In fact, he couldn’t even remember the name of the carrier, or the broker who gave him the plan!
But the biggest surprise came when I asked him why he hadn’t come to me for his group plan. He looked at me in complete shock, then shook his head. “Cindy,” he said, “It didn’t even occur to me to ask you!”
I realize that nobody (except me, of course) enjoys talking about insurance. It’s complicated. It’s no fun. And let’s be honest – it can feel downright uncomfortable to sit around planning for all the bad things that could possibly happen.
When Jim needed to change group plans, he didn’t want to spend much time thinking about it – he just wanted to handle it and move on. So, he took the first plan that came his way; a generic package that did not take into account the specifics of his situation or the coverage he already had in place. What he didn’t realize, however, was that the solution he needed was already right under his nose!
As a Chartered Life Underwriter (CLU), I’m fully trained to integrate all three areas of your insurance and group benefits needs. I help business owners like Jim save time and money, and avoid the kinds of problems that give them headaches (or worse!) down the line.
So the next time your insurance requirements change and you find yourself wondering what to do, give me a call. The perfect solution might just be right under your nose!
PS: If you know a business owner, senior manager, or anyone else who could benefit from my services and advice, please feel free to pass my contact information or website url along to them – and make sure they tell me you sent them!