The 1 Most Important Thing

There are many things that can fill your day.  Between work, errands, getting ready for a Holiday, it seems like we can be on a never ending treadmill of life.  Things keep coming a million miles an hour and we start to question, “What am I doing this all for?”.

I just got home from the Camodeca Christmas and it’s 1:45 in the morning.  After a day with my family, what seems most important is in clear view to me.  It’s family.  That family doesn’t have to be by blood, but a family type unit.  It’s a place I know everyone has my back, and I have theirs.  We love each other unconditionally.  We fight sometimes and some of them can annoy me (no names now), but at the end of the day, we know we are there for each other.

Every year we take a family picture.  This is from 2009, the last Christmas before my Grandma passed on.  It was very special to us all!

With the pace of life getting faster everyday, it’s important to have your priorities straight.  Business is very important, but a life that is all work is not fun and most likely will not be successful.  I hope you are able to take time everyday and during this holiday season to spend time and love your family or friends.

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2 Things You Need!

We are getting down to the end of our “12 Days of Christmas” blog series.  As the year winds down it’s time to think about your business and what you need to succeed in 2012.  Be sure you add the following two things to your business “to-do” list.

1.  An accurate and up to date website:  I know most agents have some sort of website launched, and that is a great start!  What you need to ask is, “Does this website reflect my brand and agency?  Is it up to date with correct information?  Would someone know all of my product offerings by visiting my site?”  If you have incorrect or outdated info, you could actually be doing more harm than good to your customer.  A recent personal experience showed me this very clearly.  I needed a present for my sister’s dog.  (Yes, I buy presents for the dogs, they actually get the more presents than the humans in our family.)  I found a great jacket to keep him warm for his winter walks at a local dog boutique and asked my Dad to run over to the store to pick it up for me.  I looked online, got the hours of the store, and my Dad was there at 10:00 am when the store was supposed to open.  Problem was, the store had “Holiday Hours” posted on the door; they opened at 10:30.  My Dad patiently waited in the car for 30 minutes until the store opened.  He said he saw at least six customers come to the store, find it closed, only to get in their cars and leave.  If the store would have posted the correct hours on the door, my Dad and those other customers could have simply adjusted their day to the store hours and avoided the frustration.  Now, I don’t trust the information on the website and remember how they cause my Dad to have to wait.   Now hours on their website might not seem like a big deal from the surface, and I know no one is perfect and mistakes are made (as I’m sure our website has an error even though I do my best to keep it up to date).  The point is to try your best to make the information on your site be accurate and up to date so you are able to provide the best service clients

2.  A social media presence:  I know I have probably heard this from me before, but social media is such a great, inexpensive form of marketing that I can’t help but shout about it from the rooftops (or at least my blog).  Facebook & LinkedIn offer so many ways for you to connect with your customers in a different way than traditional marketing allows.  They help you build the relationship, which is the most important part of the sales process.  If you haven’t launched your business Facebook Fan page yet, take a look at ours to get some ideas.     It doesn’t have to be fancy or high-tech, just being there, show your agency’s personality, help your clients with some product information and answer their questions.  This will go a long way for your brand and agency’s image.   For your agency’s Facebook presence, I would suggest creating a Fan Page as opposed to using your personal Facebook profile for a few reasons.  First, Fan Pages have unlimited amount of fans, personal pages are limited to 5,000 friends.  I know this amount of fans might seem like a stretch, but you would hate to put a ceiling on your marketing potential right off the bat.  Second, I think it is good to keep your personal and professional online profiles segmented.  The two pages should have totally different goals.  You personal page is just that, personal, and should be shared with your friends and family.  You business Fan Page should have a marketing strategy behind it, with certain goals you are wanting to achieve.  It can get messy when you combine the two pages into one.  

If you have any questions or need advice on your website or agency’s social media presence for 2012, please don’t hesitate to contact me.  I love helping agents build their business with marketing, it’s one of my crazy passions in life.  Tomorrow is our last blog for the season.  I hope you are enjoying a wonderful Holiday with your family and are planning for a great 2012!

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3 Things about United Health Care

1.  Largest single health carrier in the country:  United Health Care insures more than 70 million Americans.  Their network includes over 667,230 doctors and 5,174 hospitals.  They have great product offerings and different plan designs.

2.  UHC offers different networks for your clients different needs.  Their largest network is the Choice Plus network, their traditional PPO network.  The other network offered is the Core network, which is a smaller network of doctors and often competes with other carrier’s HMO product.  If you have questions about the Core network, please contact your marketing rep at 847-427-8000 and they would be happy to give you more details!

3.  UHC offers great bundling discounts!  When you sell ancillary products such as dental, vision, life, or short or long term disability, UHC will discount a certain dollar amount of the medical rates.  To see a list of the combinations and dollar discounts, please click here.

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4 Things about Humana

1.   Discount Programs:   Humana has a great lineup of discounts for members, including discounts for hearing services, pharmacy benefits, EyeMed, Smoking Cessation Programs, massage, chiropractic, weight loss and much more!.

2.  Daily Wellness Tips:  These daily wellness tips are great to keep your client’s mind thinking healthy!   Everyday a new article is released that shows some activity or idea that can increase your client’s health.  Check out this Great link here.

3.  Personal Nurse:  This program enables your client to call a nurse who will develop a great understanding of your client’s situation, and can offer information, develop a relationship, work with your client’s doctor and listen to your clients needs and concerns. You can view the Personal Nurse Page here.

4.    HumanaVitality: This new wellness program is available to group health policies at renewal time.  It is a wellness system where members receive points for doing certain activities.  The points can be rewarded for items offered on Humana Vitality’s website.  For more information you can visit the Humana Vitality Website here.

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5 Things about BCBS of IL

1.  Non-for-Profit Mutual Company:  This means all of the “profits” BCBS of IL makes goes back into reserves, reducing future premiums.

2.  Outreach Activities:   BCBS of IL has great outreach activities within our community including, Health Kids, Healthy Families , grant programschildhood health and wellness initiative, and the CareVan Program, just to name a few.

3.  Largest PPO Network in the state of Illinois:  You can view more information about the network here.  The network consists of 90% of doctors in the state of Illinois.  This includes downstate, so when looking at the metro area, it’s a little more than 90% of doctors and hospitals.  The network also contains over 200 hospitals in the state.

4.  Personal Health Manager:  This is an online health and wellness tool available to all members.  It includes links to learn how to eat right, get fit, how to stop smoking and many other things.  When a member completes certain tasks, they earn points that can be redeemed for popular health and wellness products and services.  You can see a demo here.

5.  Mobile Applications: BCBS of IL has a mobile application for your smart phone that enables you to view their website, find a doctor, shop for insurance, view claim details, and much more.  You can view a demo here.

These are great tools to have ready for your clients at enrollment time, or to send to them with their policy!

Happy Selling!

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6 Things to Know About MIBS

6 Things to Know About MIBS

Today, I want to give you some information that will help you get to know our company better.  In business, as in my personal life, I think it is very important to be associated with honest and ethical people and businesses.  We strive to provide great product offerings and exceptional customer service to our agents while never compromising our integrity.  Check out “6 Things to Know about MIBS”!

1.  Only Full Lines General Agency in the Country:  We are one of, if not the only, full lines general agency/brokerage in the country.  Many GA’s focus on health or life, but here at MIBS, we want to be your one stop shop.  As you know, we offer group and individual health, life, long term care, and annuities.  What makes MIBS special is that we also broker standard personal and commercial lines Property and Casualty.  This is a rare find in the brokerage community.  By coming through MIBS you are able to access the top P&C carriers, such as Travelers, Hartford, Safeco, Encompass, CNA and more, with no production requirements.

2.  MIBS has been family owned and operated since 1989:  I am the first of the third generation of the Camodeca family to work at MIBS.  (My mom is a Camodeca and married, hence the “Thies” last name.)  My Grandfather started the business and passed it down to my three uncles; Jeff Camodeca, who runs the health and life department, Perry Camodeca, who runs the Property & Casualty arm, Tony Camodeca, who runs the marketing department, and Kris Thies, who heads up HR & Accounting.  They have worked very hard to make MIBS what it is today.

3.  All About Ethics:  It is very important to us as a family and a business to conduct business in a professional, honest, and ethical manner.  Without our honor and honesty behind our name, our business means nothing.  If something is not good for the client, or you as the agent, we don’t do it.  You can view “Our Beliefs” on our website here.

4.  Dedicated to customer service: Our service to you as the agent is our number one goal.  We want to provide you with a great customer service experience every time you call or visit.  MIBS has knowledgeable customer service staff members in every division of our company to help you with product knowledge and service.

5.  Our goal is for you to be successful:  We have a lot of great tools for you to be successful and help your agency grow.  One of those tools is our HR Buddy website service.  You can check it out here.  This is something only very large agencies are able to offer their clients, which gives you a step up against your competition.  We also offer Agency Building seminars.  You can read about this seminar in my past blog here.  This is our most popular seminar and covers only marketing and sales, no product information.

6.  Unique marketing department:  MIBS marketing department is unique as we offer in the field assistance on any size group health plan.  You will have a dedicated marketing rep that will assist you in the field for group health, on conference calls for individual health, and conduct all training seminars.  This department is a great resource so definitely take advantage of it!

I hope you know a little more about us now!  We are always looking for new ways to help our agents, so if you have any ideas, please let us know!

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7 Marketing Ideas

7 Marketing Ideas

Marketing can be difficult.  It’s hard to think of new unique ideas to keep you and your agency fresh.  Check out these 7 tips on how to update your marketing plan!

1.  Create unique business cards:  Insurance can produce some pretty conservative business cards, which isn’t bad, but if you want to stand out from the crowd, take a look at some of these ideas.   I know some of these definitely are too creative for our industry, but it gets your mind thinking outside the box!

2.  Ask for referrals:  I know this may not seem like a marketing idea on it’s front, but you are marketing yourself when you ask for a referral.  When asking, it’s best to phrase it in a non-direct way.  One idea is to ask, “If you liked what I did for you and know of anyone who could use my services, please pass along my card.”.

3.  Get online:  If you do not have a website or it needs updating and are not on social media sites such as Facebook and LinkedIn, make it one of your goals for 2012.  The first thing I do when researching a company is Google them.  If they do not have a web presence, I move on to another company.  Don’t get passed over for such a small reason!  Make sure you are visible!

4.  Do one-on-one enrolments for your groups:  When you enroll a group health policy, sit down with each employee to explain benefits.  This accomplishes a few goals.  First, you get to know each employee and create relationships.  You embed yourself into that group, increasing your retention.  Second, you can cross sell other lines of coverage to that employee.  Adding a baby onto the group health plan?  Maybe it’s time for life insurance!  See that an employee just got a new car?  Maybe you can save him money on his auto coverage!  Instead of knocking on doors for new clients, expand the business relationships you have with your existing ones.

5.  Be part of events in your community close to your passion:  If you are into animals, volunteer at an animal shelter.  If you love cars, host or attend a car meet.  Make yourself visible to the people you are able to connect with by sharing common interests.  People buy insurance from people they like, so find your niche, have some fun, and in the end you will grow your business.

6.  Be unique when you are prospecting:  Whether you are prospecting door-to-door or on the phone, be unique in your presentation.  If you are in-person, take advantage of the season, dress in something other than a suit and tie so you stand out and your prospects remember you!  Come up with a creative script or opening line when on the phone.

7.  Be creative with your marketing:  Not all insurance marketing has to be insurance based.  Especially when you are thinking about your goals for your social network, you want to make your online space unique.  I have one agent who creates Facebook Fan pages for local stores or groups, and by doing that, gets her name in front of her clients in a unique way.  If you cater to a certain industry, see if they have a group on LinkedIn to meet, ask questions, and discuss their businesses.  If they don’t, create one and invite them there.  Make your space a place they go where they get the benefit and you will get brand and name recognition.

Just remember to break out of the traditional insurance marketing mold.  Look at other industries and those successful with marketing and replicate what they are doing.  Most importantly, have fun.  When you have fun, other people notice and want to be around you!

Posted in Agency Building, Brainstorming, Facebook, Marketing, Sales Ideas, Uncategorized | Tagged , , | Leave a comment