Does increased competition mean lower rates?

First off let me apologize. We put the blog on hold following the Holidays as we dedicated much of our time to catching up and and conducting a review of our internal processes. Just like exercising, it’s harder to start-up again than it is to maintain. So here we go with our first post of 2012. [...]

Announcing SBIS Referral Rewards

We live for referrals. It’s the lifeblood of every service business and ours is no exception. That’s why we started SBIS Referral Rewards. Here’s how it works: For every potential business customer you refer, we’ll give you a Starbuck’s gift card. For every referral who becomes a customer, we’ll give you a gift certificate to [...]

Top 10 Money Saving Ideas

When we meet with potential clients, we immediately search for the big money savers. Sure, every client is unique, but many of the indicators are universal. Here are the top 10 things we look at: Plan Type – What type plan are you in? HMO, PPO or POS? If it’s a PPO or POS, why [...]

It’s Open Enrollment Time!

As we get closer to the end of the year you’ll hear more and more about Open Enrollment.  What you’ll hear in the media is usually directed to Federal employees (or even employees of large corporations).  While you’re likely part of a small or mid-sized organization, Open Enrollment is still important.  Perhaps something you’re aware [...]

Give Your Employees Choices

With health care costs on the rise and our economy struggling along, you may think it’s hard to offer additional options to your employees.   By adding new choices to your benefit offerings, you can give the appearance of expanding your employees benefits while still keeping your costs in check. 2 Plans are Better than One For most [...]

Improve employee benefits. Attract better candidates.

When’s the last time you said something like this? I just have to figure out how to make our benefits package more attractive. I’m sick and tired of hearing that my competitors benefits are so much better. I can’t believe I lost a potential employee because of our benefits plan. You’re not alone.  And, you [...]

Free Free Free!

We have hit a new era in Healthcare costs this past week.  In case you have not seen it, Anthem recently released a special for new clients of a free month of healthcare premium.  In all my years of doing insurance I have never seen such a promotion from an insurance company. What does this [...]

What about Obamacare?

I hear this all the time when talking to potential or existing clients.  I certainly understand why they ask.  Usually it happens after seeing high rates or experiencing a large increase at renewal.  It inevitably follows with, “When does Obamacare kick in so that I can save money?” The Facts The Affordable Act, or Obamacare [...]

It’s Time to Think Differently About Insurance

Insurance Has Changed…A Lot I was preparing plan options for a potential client recently and it dawned on me that the Group Insurance market has changed so drastically in the last few years.  Today, clients really need a broker that keeps up with the changes and helps them think differently.  What do I mean by [...]