Hear Yes More Often

Karen Milazzo (P&C Manager),   Perry Camodeca (Vice President MIBS) and Kelly Pottle (PHLY Marketing Rep.) Philadelphia Insurance Companies New Carrier, New Market, New Opportunity We couldn’t believe how many times Kelly Pottle said “yes” at our Philadelphia Insurance Companies’ event July 20th here at MIBS.  There was an occasional “no”, but once you see their appetite list, you will understand how it could really expand your business opportunities. “Do you accept daycares or schools?”    Yes “How about a craft brewery?”                 Yes “Will you consider Fuel dealers?”            Yes “What about home healthcare?”            Yes The PHLY event was presented by Kelly Pottle, a marketing representative from Philadelphia Insurance Companies who described herself as a PHLY baby.  Since her father is a long time employee of PHLY, Kelly attended their events as a young child, interned there during her college years and ended up working there after college. Benefits from working with PHLY: Dedicated local team 120+ niche products Financial stability: A++ A.M. Best rating Able to quote off of competitor’s applications Award winning Customer Service Department Quick response Access to user friendly website at www.phly.com [...]

2018-10-29T21:17:01-05:00Patty's Perspective, Property & Casualty|
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Why Didn’t You Ask for That in the Beginning? Writing a Group Part 2

Manage Expectations   Insurance agents who manage their client’s expectations successfully, tend to make the sale and also retain those clients for a longer period.  I have seen the case where an agent has not taken the time to explain the whole process with a group and when an issue occurred resulting in a higher premium, the agent lost the group to another agent.  Taking a little extra time to explain the process and answer questions, cements the relationship with your client and provides a measure of comfort by removing some of the unknown that may concern a business.  In the event that an issue arises during underwriting, the client at least has an awareness that this is not abnormal and may be more comfortable providing any additional information or accepting the underwriting result. The Group Enrollment Process Now, the employer wants to proceed with applying and enrolling for a group plan.   This is the time to explain the process of collecting the initial paperwork which will be reviewed for completeness and missing information.  Your MIBS customer service representative may request additional information or explanations during their initial [...]

2018-10-29T21:13:49-05:00Medical, Patty's Perspective|
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Why Didn’t You Ask for That in the Beginning? Writing a Group Part 1

Part 1   Placing a Group Health Policy is like renovating an old bathroom.   The initial quote to replace the vanity, toilet and bath tub is well below the budget allocated.  The contractor comes in and removes the items but discovers that the pipes behind the wall are leaking and all of the dry wall needs to be replaced.  Now that the wall is open, you have to repair the leak and replace the drywall which brings the cost up to the maximum for your budget.  The truck delivers the new vanity, toilet and tub but the vanity is the wrong size.  You have to decide if you want to send the vanity back and wait for the correct one or try to make the delivered vanity fit by moving the toilet and pipes.  Looking into your bathroom with its exposed pipes, unpainted walls and damaged floor tiles, you have to make some decision or go without a bathroom.  Yikes!  If you only knew beforehand what was going to happen. Understanding the process of quoting and enrolling a group and learning some simple underwriting rules can help the [...]

2018-10-29T21:12:50-05:00Blue Cross and Blue Shield of Illinois, Medical, Patty's Perspective|
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Exacta, Trifecta, What the Heck?

Questions on Gambling?   Contact your MIBS customer service representative.   Recently, the owners of MIBS hosted a summer outing for all of the staff of MIBS at Arlington Race Track.  Perry Camodeca Sr. showed the staff how to place bets and even provided his personal selections for all of the races that day.  We are all now experts on gambling (not really). Prior to race time, we were all fortunate to visit the stables and feed the horses.  In the sun, you could get pretty warm so when we stepped into the stable, I was really amazed at how cool it was. Perry Camodeca Sr. explained the difference between hay and straw; horses ate hay but straw was used for the floor of the stables.  Outside of each stable was a fragrant dumpster that held the used straw mixed with manure.  These dumpsters were picked up by a vendor who sold this straw/manure mixture to mushroom farms.  From the number of dumpsters on site, Arlington Race Track provides a whole lot of mushroom growing medium. [...]

2018-10-29T21:12:16-05:00MIBS Updates, Patty's Perspective|
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