You prospected. You got past the gatekeeper. You did your fact finder. You made your presentation. Then your prospect says it. Then what?
Let's Zoom and get to know each other.
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Different animals, different needs. Same with your workforce.
“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, and that is money they could invest with you.
You will know it is time when your client says one of these:
The person who does the work is the person you talk to.
Your client gets a free review, plain-English options, and, if it fits, a plan that costs the business less and leaves employees with more. You get a client who remembers who made the introduction. I work behind the scenes, I do not sell around you, and I tell you how it went.
Employees facing a hospital stay, cancer, or a major accident 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).
Employees are less likely to stay in a job purely out of fear of losing coverage, and 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).
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).
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.
Turnover drops, because the reasons people quietly start job-hunting get addressed before they walk out the door.
Organizations with strong employee engagement see up to 51% lower turnover (Gallup).
I diversify risk over multiple providers, for better coverage at lower cost, and I explain it in English, not insurance lingo.
I am not a one-trick pony. I do not try to fit every business into a single product. I use multiple products to reduce tax liability, reduce annual premium increases, lower out-of-pocket risk, and free up cash for both the employer and the employees.
AgentDavidCares.com does not provide tax advice. Tax savings vary by individual. Please consult your accountant or tax advisor.
I am here to network with you, not sell you. And there is no cost to your client for my services, because I am paid directly by the carrier, not by them.
Make the introduction. I will protect the trust that came with it.
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