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Every renewal I go through with my clients they all say the same thing, "We can't continue to afford these increases."  The perception I feel my clients are left with is that the insurance companies aren't listening to their cries.  I was fortunate enough to be invited to Empire Life's Advisory Council in St. Louis, and I am…

I had another post ready to go this morning, talking about my trip to St. Louis with Empire Life and all the advances they are making with Express Scripts and Prescription Drugs.  I will have that ready for next week. In light of what happened last night in Vegas and the fact that my Mom…

Anyone who has been following my Blog, is well aware that I have had a very large out of country coverage claim this spring.  My friend has been home for sometime now and has had 11 surgeries to date and is in a rehabilitation program.  His surgeries aren't even close to being done, but at least…

I would like to start this post by saying how humbled I am by the number of people who have come up to me recently and mentioned that they follow me and how much they enjoy my blogs.  In return, I would like to thank you for giving me one of your most precious commodities,…

The Genetic Non-Discrimination Act (GNDA) — received Royal Assent on May 4, 2017. It prevents employers, insurance companies and anyone else providing goods and services via a contract from asking people to undergo genetic testing or to disclose genetic test results. Why would this affect Insurance Rates?  Insurance companies fear that a potentially high-risk client…

My last article spoke to how one of my client's was doing a great job in getting their employees up and moving.  Having a happy, healthy employee also means they are in a good financial position as well.  Stress is one of the top disability claims and relationships and money are a large part of that.…

I have been asked on several occasions if I have any ideas on how to get employees engaged in a healthy lifestyle.  There probably isn't one pill that works for everyone and there are different definitions of what a healthy lifestyle is.  I have a client that has done an amazing job in getting their employees up and…

I have been very  fortunate in my career to meet incredible people along the way.  One lady who worked for a large insurance company, told me that the insurance company was working with their clients to "Find a Way to Yes".  I don't believe anyone else in the insurance company got the memo, but this quote has stuck…

Have I mentioned that I love what I do??? The reason I enjoy it so much is because of my amazing clients. I believe that my clients should see me a couple times a year, not just at renewal when we are discussing benefits and money.  This gives us time to discuss their lives and make sure…