As we move into 2019 I wanted to drop you all a note and apologise for my dismal lack of marketing and social media work in 2018 - one of the issues around building a busy practice and supporting a number of introducers and their clients on medical insurance is that you get really busy ! This means of course that the first thing that slips are blog posts and the like. However in 2019 one of my resolutions is to try and communicate a bit more with my introducer clients both via the occasional marketing e-mail like this one but also on my blog (www.localventure.blogspot.com) and also via Twitter (@localventure1) and the like.
If you do have any medical insurance queries you would like answered I am always here to support you, as I note below :
This year have a think about the following potential classes of medical insurance client you might refer, this might include :
Your existing SME clients who don't have cover in place - new medical insurance plans for small corporate clients are an awful lot cheaper than most clients think, there are therefore very few barriers to purchase.
SME's with a current PMI plan that hasn't been reviewed in a while - any company plan which hasn't been properly reviewed in the last year or two needs urgent assistance in my opinion. Many of the larger national PMI brokers (and some big regional specialists) often don't bother to even contact clients at renewal and when they do it is a largely perfunctory and inflexible service. Lots of 'low hanging fruit' to acquire out there.
Individual and high net worth clients with : BUPA, AXA PPP, Aviva or Vitality Health - legacy personal business is relatively easy to acquire and move to a lower cost proposition. Client with these large insurers are likely paying too much.
Older clients whose prices have rocketed upwards - there comes a point where pricing is simply too high for older clients. This is not insurmountable and in many occasions we can help clients up to the age of 79 plan a move of insurer to 're-set' their pricing at a lower level.
If you would like to discuss any prospective cases with me or need general advice on medical insurance - just call or e-mail me.
Regards
Phil
Phil Knight
Independent Healthcare Consultant
(Part of Premier Choice Group, FCA No. 312878)
T. 07792 075748
E. philknight@pch.uk.com
W. www.pch.uk.com/consultants/phil-d-knight/
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