david, An agent that cares about growing your business and helping your clients!
You have already done the hard work.
You prospected!
You got past the gatekeeper!
You did your fact finder!
You made your presentation!
Then your prospect says...
"I like it. I love it. I can't afford it."
THEN WHAT!?!?
That is when you ask one simple question:
"Do you offer group health insurance?"
If they say yes: introduce us please!
I free up their cash flow so they can now afford you.
Most groups are paying for coverage that does not fit their workforce
Group Benefits Better™
because I do
Group Benefits Differently™
Most healthy groups on fully insured plans are overpaying
That is money they could invest with you!
When you introduce me to your clients:
I restructure benefits so your client spends less, without reducing coverage!
I reduce exposure to medical expenses!
I put more money in your client's pocket
I leave more money in the pocket of the employees!
When benefits are structured right
here is what changes:
Employees facing:
Hospital stay, cancer, or a major accident
They have real financial protection in place
Reducing the risk of the bankruptcy or foreclosure
that often follows a serious diagnosis
Not just a bill to figure out alone.
The maximum out-of-pocket employees can face has climbed from
$6,600 to $10,600 in the past decade, a 60.6% increase (KFF)
Employee Retention
Employees are less likely
to stay in a job purely out of fear of losing coverage,
more likely to stay because they actually want to.
Nearly 1 in 4 workers stay in a job
purely out of fear of losing health insurance,
rising to over half among those under high healthcare cost stress
(Gallup/West Health).
Morale improves
People feel genuinely looked after,
not just insured.
Engaged employees require a 31% pay increase
before they will seriously consider leaving a
job they value (Gallup)
Impact on HR
Without support, HR spends months on prep,
fields the same benefits questions over and over,
and then spends weeks after enrollment correcting mistakes.
With an independent advisor handling communication,
live Q&A, and enrollment guidance directly,
that burden moves off HR's plate.
Reducing Employee Turnover
Turnover drops,
the reasons people quietly start job-hunting
is addressed before they walk out the door.
Organizations with strong employee engagement
see up to 51% lower turnover (Gallup)
How I work my MAGIC!
How I help
I diversify risk over multiple providers for better coverage with lower cost
In English (not insurance lingo)
I am NOT a 1 trick pony
I do NOT try to fit every business in a single product
I use multiple products to:
Reduce Tax Liability
(AgentDavidCares.com does not provide tax advice. Please consult your accountant.)
Reduce Annual Premium Increases
I offer less Out of Pocket risk
I free up cash for both the employer and employees!
My values
Examples of how I work with different professions
I am here to NETWORK with you
NOT sell you (see video)
There is no cost to your client for my services,
because I am paid directly by the carrier, not by them
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 07/23/2026
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