Insurance

Ep #39: Profit From the Convergence of Technology and Benefits – With Michael Lujan

By   Shift Shapers Podcast   1 Comment

ShiftShapersCoverArt

Advisors doing more and earning less need new tools to deal with today’s benefits environment. Unfortunately, according to our guest, our industry is behind the curve in the convergence of market change and technology.

Michael Lujan President and Co-founder of LimeLight Health and is also serving as President-elect of the California Association of Health Underwriters. Michael, a long time technologist, is dedicated to providing health insurance agents with a platform and tools that simplify complex proposal, renewal and benefits decisions.

Michael joins us today to discuss the current void in technology for benefits advisors and the importance of today’s insurance market catching up to other industries. We discuss how technology can help advisors become more effective and efficient while also differentiating them in their markets.  Join us to find out about the new tools available and how they can help you step up your game!

What You’ll Learn From This Episode:

  • Michael’s background.
  • His involvement in Cover California.
  • Why advisors need 21st century tools.
  • What functionality is needed in the field.
  • How to get traditional advisors “tech-ed up.”
  • The future of the intersection of technology and benefits.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #38: What If Doctors Bid On Your Medical Care? – With Chris Hobbs

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArt

In this episode we are speaking with Chris Hobbs, CFO at MediBid. As a Canadian who immigrated to the United States, Chris brings an interesting perspective on healthcare delivery – mainly the payment for healthcare. He believes that the Traditional PPO model is broken and that consumers need to know more than whether or not their provider is in-network before making provider and treatment choices. With that in mind, MediBid has shaped a new paradigm where physicians bid on non-emergent health care, often with dramatically lower costs and better outcomes.

We invited Chris to talk about why the post-ACA environment has exacerbated a long-standing problem that is ripe for non-traditional solutions. He believes that consumers should be able to make provider and procedure decisions using the same kind of tools available to them in nearly every other consumer arena. We discuss the types of quality metrics and tools the benefit advisors need to be aware of and what types of plan designs can benefit from such a service.

What You’ll Learn From This Episode:

  • Chris’s background.
  • Why the traditional PPO model is broken.
  • The effect of ACA on the healthcare payment models.
  • Why quality metrics are important decision tools.
  • The importance of transparency in healthcare pricing.
  • What types of plans are best for this type of service

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #37: Don’t be Sony! Secure Your Communications – With Peter Schaub

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArt

Today on ShiftShapers podcast, we welcome Peter Schaub, president and CEO of NeoCertified. Peter is our go-to subject matter expert for learning about email encryption and security solutions. With the news of last week’s hack attack on Sony it is a great time for your practice to take some simple steps that secure your email communications.

We discuss the tools and techniques used by all sizes of businesses. Surprisingly for such a complex problem, there are simple solutions that you can apply today! Peter delves into the intricacies of secure email, how it works and why benefit advisors should use it. He will also discuss the legal requirements for securing your client and prospect communications.

What You’ll Learn From This Episode:

  • How and why Peter got into secure email applications market.
  • What other industries require secure email.
  • Whether all communication need to be secure.
  • How vulnerable the information is that is sent electronically.
  • How to use secure email as a differentiator with clients.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #36: Building A Successful Referral-Based LTC Practice – With Tobe Gerard

By   Shift Shapers Podcast   3 Comments

ShiftShapersCoverArt

On this episode of ShiftShapers podcast, we’re very excited to welcome Tobe Gerard, the owner of Tobe Gerard Insurance. After 20 years in the industry she started her own agency, deciding to specialize exclusively in long-term care insurance. For the past 15 years she has been doing just that, but with a few unique practice parameters that have made the agency highly efficient, effective and successful.

Rather than finding prospects directly – as is the case with most practices – Tobe took a different route; cultivating relationships with other professional (such as financial planners, life insurance brokers, accountants and others) who are happy to refer their clients to a subject matter expert. Once the prospects began flowing, she developed a multi-part strategy to avoid being a “quote machine” with a file cabinet full of china eggs.

Join us to find out how Tobe was able to shape her successful referral-based long term care specialty practice and how it is doing in today’s environment. Learn about what tools and techniques are most effective in working with long term care clients and prospects and why the current trend of using riders on life plans may not always be the best solution for your clients.

What You’ll Learn From This Episode:

  • Tobe’s background.
  • The reason she chose to specialize in long-term care.
  • Why her practice is referral-only.
  • How Tobe creates new sources of referrals for her agency.
  • Tools and techniques for working with long term clients.
  • What “Invisible Coverages” are.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #35: Help Employers Turn ACA Changes Into A Competitive Advantage – With Craig Scurato

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArt

On this episode of ShiftShapers podcast, we welcome Craig Scurato, founder and managing member at Simplifi Benefits. Post ACA, Craig has crafted some tools and techniques that make the process of writing group insurance a lot less painful for employers. Included in his strategy is a unique approach to crafting and deploying direct pay primary care networks by working with physicians eager to find new practice models themselves.

Coupled with educating employers and employees about the benefits of using a health care allowance (Section 213(d) of IRC) and providing a comfortable environment with decision support and other tools, Craig has crafted an interesting and scalable model. Listen to learn more about Craig’s unique perspective and initiatives for helping employers turn ACA changes into a competitive advantage.

What You’ll Learn From This Episode:

  • Craig’s background.
  • His interaction with Dr. Erika Bliss of Qliance (see Episode 26).
  • How and why physicians are adopting the DPPC model.
  • Why integrating DPPC with traditional offerings creates value for clients.
  • How other benefit advisors can use this approach.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #34: Self Funding Tactics, Strategies and Opportunities – With Craig Lack

By   Shift Shapers Podcast   3 Comments

ShiftShapersCoverArt

Today, we’re talking to Craig Lack, CEO of Premium Reduction Strategies. He is a best-selling author and nationally-recognized health care expert and an expert on self-funding who has appeared on ABC, CBS and FOX as well as in a number of national publications.

Craig’s 25-year experience in the industry has given him a deep understanding of the challenges facing benefit advisors in a post-ACA world. We invited Craig to discuss strategies such as the “Spousal Incentive HRA” and other opportunities for self funding created by the Affordable Care Act. He will also share why premiums are just “CRAP”.

Seasoned self funders and advisors new to the world of self funding will learn how to engage employers in compelling conversations that create differentiation and value.

What You’ll Learn From This Episode:

  • The difference between fully-insured and self funded.
  • Why the premiums are just C.R.A.P.
  • Why this isn’t the typical renewal discussion.
  • How ACA has impacted the world of self funding.
  • What the Spousal Incentive HRA is.
  • Whether you should create a deductible rewards program.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #33: A More Authentic Approach to Group Benefits – With Mindy Lamont

By   Shift Shapers Podcast   2 Comments

ShiftShapersCoverArtOur guest on the program today is Mindy Lamont, the creator and founder of The Insurist. The Insurist, as Mindy calls it, is a down-to-earth approach to insurance and employee benefits.

After her 14-year career in one of the largest insurance companies in the world, Mindy decided to walk away from the big corporate life and start her own insurance business, selling to groups online. Her more authentic and irreverent approach attracts a diverse crowd of clients, making The Insurist a thriving online company.

I invited Mindy to share her inspiring journey of becoming an independent broker as well as her unique approach to insurance. Find out how she was able to successfully evolve The Insurist from an online term life company to a successful group benefits advisor using old-world agency management techniques coupled with new-world technology.

What You’ll Learn From This Episode:

  • How Mindy got into insurance market.
  • Why she left corporate America to start an “internet project.”
  • How she branched out from term life to a wider array of benefits.
  • Mindy’s unique approach to benefits.
  • Her upcoming insurance projects.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #32: Guaranteed Standard Issue DI Is Tailor-made For Benefits Advisors – With Bob Tretter

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArtYour existing groups are a perfect place to prospect for Guaranteed Standard Issue individual DI. The market is wide open, the underwriting is more accommodating than writing a single DI case and you can be creative with constructing the benefit for your clients. How do you do that?

This week we decided to do something a bit different today and invited Bob Tretter for our first in-studio interview. Bob is the Director of the Guaranteed Standard Issue Disability Income (DI) program at Ameritas. He is also a former president of the National Association of Health Underwriters and has spent his entire career in the DI market.

On this episode, we speak to Bob about the DI marketplace in general and guaranteed standard issue DI in particular. Tune in to find out how you can deliver more value, drive more revenue and differentiate your practice with this often overlooked product.

What You’ll Learn From This Episode:

  • Bob’s background in disability income insurance.
  • The state of the disability income market in general.
  • What the market penetration of DI is.
  • What the opportunities are in DI market.
  • The definition of guaranteed standard issue disability income.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #31: Does Your Culture Eat Your Strategy For Breakfast? – With Rick Bauman

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArt

In may practices and organizations, the laser focus on strategy overshadows another critically important component of business – our culture. Rick Bauman, our guest for this episode, will explain why culture defines your organization, and drives brand, customer satisfaction and has a direct correlation to productivity. In an age where differentiation is a huge challenge for many organizations, culture is perhaps the biggest differentiator of all.

Rick Bauman is a serial entrepreneur, and the founder and head coach of Intellectual Capital Coaching Corporation. I invited Rick to speak about culture, where it comes from, how it’s created and why it’s critically important to individual practices and organizations alike. Join us to learn how to understand, define and sharpen your culture to deliver superior results.

At the end of the interview, learn how to get a free copy of Rick’s Cultural Engagement Assessment Tool which will help you create a starting point for improving your culture. This is a special exclusive offer for ShiftShapers listeners.

What You’ll Learn From This Episode:

  • What culture is exactly.
  • How culture is created within organizations.
  • Whether culture can be measured.
  • The correlation between engagement and profitability.
  • The importance of giving feedback to your employees.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Subscribe-with-iTunes-small Subscribe-with-Stitcher-small

Ep #30: New Strategies To Keep Employees Educated, Empowered and Energized – With Phil Wilkins

By   Shift Shapers Podcast   Add new comment

ShiftShapersCoverArt

Today, we are very pleased to speak with Phil Wilkins, director of Partner Development at GuideSpark. Phil is an expert on the subject of modern communication strategies and he shares his thoughts on new strategies to communicate important benefit concepts to employees.

In this era of communication immediacy, multimedia strategies have begun to replace paper booklets and often, enrollment meetings. More than three quarters of all Internet users today engage with videos as a means of learning. Tune in to learn about using these new tools to create emotional connections that engage today’s employees.

What You’ll Learn From This Episode:

  • Why employee engagement is so important.
  • Whether paper is now a dead medium for communicating with employees.
  • The importance of making an emotional connection with employees.
  • How to deliver engaging content on the device an employee chooses.
  • How benefits advisers can use this information to differentiate themselves in today’s market.

Featured On The Show:

Listen To The Full Interview:

Podcast: Play in new window | Download

Enjoy The Show?

Back to top