Following up on the PMICast Live event yesterday this episode of PMICast (the 2nd in Season 3 of the show) is a follow up and feedback session going over some of the issues that were raised and how things went generally.
Download by searching for 'PMICast' on iTunes or stream straight from the web at : www.pmicast.podbean.com
Thanks to those of you who took part yesterday and enjoy the podcast. Next weeks episode will go back to the usual format covering medical insurance, my work with introducers as well as a bit of general business news.
Please download and ...Enjoy !
Wednesday, 26 March 2014
Tuesday, 25 March 2014
PMICast Live : On-Line PMI workshop - Tuesday 25th of March 2014 - Live Feed ...
Welcome to the first ever PMICast Live event !!!
Hi, this is the blog post/feed that I'll use to update on the questions/comments I receive - there are several questions submitted before the live event and these are below. I'll answer them (to the best of my abilities in then new questions and answers will appear in the comments section below and also on Twitter #pmicast.
Presubmitted Questions :
1) Insurers don't want to pay claims
2) What is a chronic condition ?
3) I'm an IFA - how does working with you as an introducer work ?
4) What's the best way of joining medical insurance plan ?
5) I cancelled my cover a while ago - should I rejoin ?
___________
Answers :
Question 1) Insurers don't want to pay claims
Kind of true I suppose - most insurers are commercial entities so only want to pay 'eligible' claims i.e. ones covered by their plans, I'd characterise the situation more as they want to create a balance of paying for fair claims but most are tough on things that aren't covered. The key is understanding what your plan does and how it is designed to work. Once you do that and have reasonable expectations the plans work well and most people get a lot of value from them.
2) What is a chronic condition ?
This is a medical condition that cannot be cure, only managed or support. Examples would be : diabetes, asthma, rheumatism. All UK insurers have explicit exclusions for these type of problems. They would remain within the purview of the NHS - only exception would be diagnosis of these problems and acute episodes of the chronic condition i.e. flare ups - typically these would be covered so long as the condition wasn't excluded by plan underwriting.
3) I'm an IFA - how does working with you as an introducer work ?
Fairly simple - you pass me the client details and I will contact them as agreed by you and give them advice appropriate to their situation and needs. The client remains yours as part of our formal introducer agreement and you receive a commission share - both initial and renewal (as appropriate) if the client takes up my advice.
There are no charges for a client review.
Happy to discuss specifics with introducers although I don't talk directly about financials in a public forum for obvious reasons - I have a standard deal I offer to my introducers which is very generous compared to some other PMI specialists who work in a similar way. Plus I have 20+ years experience working with IFA's so I tie my style of advice and support very closely in to what IFA's might expect for their clients - process seems to work very well.
4) What's the best way of joining medical insurance plan ?
For a new purchaser, individual or group I'd say easiest nd quickest is the moratorium - forms are simpler, I think more things end up being covered and there is no increased premium cost usually either.
5) I cancelled my cover a while ago - should I rejoin
Yes, do it now. The problem is new health conditions. The longer you leave buying or re-starting your plan the more issues medically you might develop that would be excluded when the new plan begins. As a general rule earlier is better because more things will be covered.
That's a great start to the event - more questions will follow in the comments sections below.
Hi, this is the blog post/feed that I'll use to update on the questions/comments I receive - there are several questions submitted before the live event and these are below. I'll answer them (to the best of my abilities in then new questions and answers will appear in the comments section below and also on Twitter #pmicast.
Presubmitted Questions :
1) Insurers don't want to pay claims
2) What is a chronic condition ?
3) I'm an IFA - how does working with you as an introducer work ?
4) What's the best way of joining medical insurance plan ?
5) I cancelled my cover a while ago - should I rejoin ?
___________
Answers :
Question 1) Insurers don't want to pay claims
Kind of true I suppose - most insurers are commercial entities so only want to pay 'eligible' claims i.e. ones covered by their plans, I'd characterise the situation more as they want to create a balance of paying for fair claims but most are tough on things that aren't covered. The key is understanding what your plan does and how it is designed to work. Once you do that and have reasonable expectations the plans work well and most people get a lot of value from them.
2) What is a chronic condition ?
This is a medical condition that cannot be cure, only managed or support. Examples would be : diabetes, asthma, rheumatism. All UK insurers have explicit exclusions for these type of problems. They would remain within the purview of the NHS - only exception would be diagnosis of these problems and acute episodes of the chronic condition i.e. flare ups - typically these would be covered so long as the condition wasn't excluded by plan underwriting.
3) I'm an IFA - how does working with you as an introducer work ?
Fairly simple - you pass me the client details and I will contact them as agreed by you and give them advice appropriate to their situation and needs. The client remains yours as part of our formal introducer agreement and you receive a commission share - both initial and renewal (as appropriate) if the client takes up my advice.
There are no charges for a client review.
Happy to discuss specifics with introducers although I don't talk directly about financials in a public forum for obvious reasons - I have a standard deal I offer to my introducers which is very generous compared to some other PMI specialists who work in a similar way. Plus I have 20+ years experience working with IFA's so I tie my style of advice and support very closely in to what IFA's might expect for their clients - process seems to work very well.
4) What's the best way of joining medical insurance plan ?
For a new purchaser, individual or group I'd say easiest nd quickest is the moratorium - forms are simpler, I think more things end up being covered and there is no increased premium cost usually either.
5) I cancelled my cover a while ago - should I rejoin
That's a great start to the event - more questions will follow in the comments sections below.
On-line work shop begins at 9.30am TODAY !
The on-line private medical insurance (PMI) workshop begins today at 09.30.
Contact me and ask any question about medical insurance :
Skype : pkn4395
Telephone : 07792 075748
Twitter : #pmicast
E-mail : pmicast@gmail.com or philknight@pch.uk.com
Look forward to speaking later !!!
Contact me and ask any question about medical insurance :
Skype : pkn4395
Telephone : 07792 075748
Twitter : #pmicast
E-mail : pmicast@gmail.com or philknight@pch.uk.com
Look forward to speaking later !!!
Monday, 24 March 2014
Reminder - my on-line private medical insurance workshop is tomorrow at 9.30am
Hi there,
Less than 24 hours to my on-line private medical insurance workshop.
The event begins tomorrow at 9.30am To join in you can use one of the following methods :
Telephone : 07792 075748
Skype : pkn4395
e-mail : pmicast@gmail.com or philknight@pch.uk.com
Twitter #pmicast
_________
You can ask any question about medical insurance and related products and if I can't answer you there and then I'll find out and get back to you.
We've already had several questions in in advance of the event so I'll kick off tomorrow answering those using the #pmicast and also on this blog - live (or nearly) as I can - so watch this space and I look forward to 'seeing' you all tomorrow.
Full details of the event are also on the You Tube promo at : https://www.youtube.com/watch?v=s1yQMrijaWU
I'll then also summarise what we covered on the next edition of PMICast that should go live on Wednesday lunchtime.
Less than 24 hours to my on-line private medical insurance workshop.
The event begins tomorrow at 9.30am To join in you can use one of the following methods :
Telephone : 07792 075748
Skype : pkn4395
e-mail : pmicast@gmail.com or philknight@pch.uk.com
Twitter #pmicast
_________
You can ask any question about medical insurance and related products and if I can't answer you there and then I'll find out and get back to you.
We've already had several questions in in advance of the event so I'll kick off tomorrow answering those using the #pmicast and also on this blog - live (or nearly) as I can - so watch this space and I look forward to 'seeing' you all tomorrow.
Full details of the event are also on the You Tube promo at : https://www.youtube.com/watch?v=s1yQMrijaWU
I'll then also summarise what we covered on the next edition of PMICast that should go live on Wednesday lunchtime.
Friday, 21 March 2014
T Minus 5 Days and counting
5 Days to go until my on-line medical insurance workshop. Find out more at #pmicast and https://www.youtube.com/watch?v=s1yQMrijaWU
Thursday, 20 March 2014
Just gone over the 21,000 visits level on the blog
Just managed to creep over the 21,000 hits to this blog (that's since the end of February 2013 so we're doing ok I think.
I've managed to get an extra episode of my podcast up at www.pmicast.podbean.com (also on iTunes) so please check that out if you can. I'm up to 8,200 downloads of podcast episodes in the last 30 days so that's going great too - hopefully that means that my new Patreon campaign (at www.patreon.com/pkn4395) should go well ?
Just spending the rest of the day doing some marketing work - so if you find me as a result, hi there and enjoy the blog !
I've managed to get an extra episode of my podcast up at www.pmicast.podbean.com (also on iTunes) so please check that out if you can. I'm up to 8,200 downloads of podcast episodes in the last 30 days so that's going great too - hopefully that means that my new Patreon campaign (at www.patreon.com/pkn4395) should go well ?
Just spending the rest of the day doing some marketing work - so if you find me as a result, hi there and enjoy the blog !
Wednesday, 19 March 2014
Fancy trying karate in Leeds ?
Bit of a change of pace to the blog this evening and I'm going to talk about our new beginners karate class in Leeds.
The club is a Shukokai karate club called : Leeds Premier Karate Club. We train twice a week at Yeadon Westfield Junior School (New Road Side, Yeadon LS19 7HW). The beginners class starts at 6.00pm on Mondays and Wednesdays and as it's only 30 minutes long it really suits kids (really any age from five or six onwards) and adults who might be reluctant to join in with more experienced grades whilst they find their feet.
We've been in Yeadon for over 15 years and the club itself has been running for well over 20 years in total. The club is run by Sensei Michael Tattersall (5th Dan) and I help help out with the beginners class (I'm a 1st Dan black belt but have been doing karate since 1980 and as well as a 1st Dan in Shukokai karate I also have a 2nd Dan from another style - I joined Leeds Premier Karate in 2010 and have been training in Shukokai for over four years now).
We've had a lot of new beginners recently and have just (literally this evening) graded six or seven beginners to yellow belt and they now move on to the main class at 6.30pm so we need another tranche of beginners now to come and fill the 6.00pm class - we've got a couple of beginners left but need more.
So this is an opportunity to join a fun but disciplined class (karate is after all a serious marital art not a knitting class!), meet some new friends, learn some self defence and get a bit fitter too.
We welcome everybody as I say from age five/six to seventy or more - if you have any questions please feel free to call me on 07792 075748 or e-mail on pmicast@gmail.com for a chat on what t expect.
See you there.
The club is a Shukokai karate club called : Leeds Premier Karate Club. We train twice a week at Yeadon Westfield Junior School (New Road Side, Yeadon LS19 7HW). The beginners class starts at 6.00pm on Mondays and Wednesdays and as it's only 30 minutes long it really suits kids (really any age from five or six onwards) and adults who might be reluctant to join in with more experienced grades whilst they find their feet.
We've been in Yeadon for over 15 years and the club itself has been running for well over 20 years in total. The club is run by Sensei Michael Tattersall (5th Dan) and I help help out with the beginners class (I'm a 1st Dan black belt but have been doing karate since 1980 and as well as a 1st Dan in Shukokai karate I also have a 2nd Dan from another style - I joined Leeds Premier Karate in 2010 and have been training in Shukokai for over four years now).
We've had a lot of new beginners recently and have just (literally this evening) graded six or seven beginners to yellow belt and they now move on to the main class at 6.30pm so we need another tranche of beginners now to come and fill the 6.00pm class - we've got a couple of beginners left but need more.
So this is an opportunity to join a fun but disciplined class (karate is after all a serious marital art not a knitting class!), meet some new friends, learn some self defence and get a bit fitter too.
We welcome everybody as I say from age five/six to seventy or more - if you have any questions please feel free to call me on 07792 075748 or e-mail on pmicast@gmail.com for a chat on what t expect.
See you there.
Tuesday, 18 March 2014
Season 3 of PMICast is now here ...
A fairly brief post today to mention three things.
1) the new ep of PMICast just went live on iTunes and at www.pmicast.podbean.com for the live web stream.
The format for PMICast seems to be working well and we now have around 8,000 listens/downloads each month which is well over where we were for seasons one and two. I'm broadly happy with the new format although always open to suggestions. I'll keep each season to a manageable 20 episodes (hopefully weekly) - Season three will run throughout the Spring and I'll then take a break over the summer hold before returning with Season 4 in September.
2) The on-line PMI workshop is now locked for next Tuesday 25th of March at 9.30am which you should know all about if you've been reading this blog or following me on social media. If you get chance you can listen to the above ep of PMICast which is a special on the event plus you can view the You Tube promo at :
www.youtube.com/watch?v=s1yQMrijaWU
3) I launched a Patreon, on-going funding campaign for my podcasts yesterday and will cover this off in future episodes of both PMICast and Wheres Wilson but you can check this out and subscribe at :
www.patreon.com/pkn4395
The aim is to monetise things to the point where I can invest in sound equipment, tech and of course time to add value and news podcasts to the range to give my listeners better content all round. So please if you want to support my efforts, feel free to subscribe at the above link.
1) the new ep of PMICast just went live on iTunes and at www.pmicast.podbean.com for the live web stream.
The format for PMICast seems to be working well and we now have around 8,000 listens/downloads each month which is well over where we were for seasons one and two. I'm broadly happy with the new format although always open to suggestions. I'll keep each season to a manageable 20 episodes (hopefully weekly) - Season three will run throughout the Spring and I'll then take a break over the summer hold before returning with Season 4 in September.
2) The on-line PMI workshop is now locked for next Tuesday 25th of March at 9.30am which you should know all about if you've been reading this blog or following me on social media. If you get chance you can listen to the above ep of PMICast which is a special on the event plus you can view the You Tube promo at :
www.youtube.com/watch?v=s1yQMrijaWU
3) I launched a Patreon, on-going funding campaign for my podcasts yesterday and will cover this off in future episodes of both PMICast and Wheres Wilson but you can check this out and subscribe at :
www.patreon.com/pkn4395
The aim is to monetise things to the point where I can invest in sound equipment, tech and of course time to add value and news podcasts to the range to give my listeners better content all round. So please if you want to support my efforts, feel free to subscribe at the above link.
Monday, 17 March 2014
Patreon campaign for Wheres Wilson and PMICast
As listeners to PMICast might be aware I have dabbled with some sponsorship on my podcast in an effort to create a monetisation stream (however small) to enable me to devote more time and investment into podcasting.
Results have been mixed so the main PMICast podcast has stayed weekly/fortnightly and Where's Wilson (the less serious SF podcast I co-host) has remained sporadic for want of a better term.
So rather than slog on with sponsors or put a begging button on the podcast or my blog I have decided to use Patreon - the arts based on-going crowd funding vehicle. This service allows listeners to set a monthly sponsorship level they are comfortable with and takes care of all the admin for me.
Please feel free to click to the link below to find out how this works and of course if you do like the podcasts and would like to hear more on this and related subjects please become patrons and support the expansion of my podcasts in the future.
More details on the Patreon campaign at www.patreon.com/pkn4395
Full details on PMICast (and Wheres Wilson) at www.pmicast.podbean.com
Thanks
Results have been mixed so the main PMICast podcast has stayed weekly/fortnightly and Where's Wilson (the less serious SF podcast I co-host) has remained sporadic for want of a better term.
So rather than slog on with sponsors or put a begging button on the podcast or my blog I have decided to use Patreon - the arts based on-going crowd funding vehicle. This service allows listeners to set a monthly sponsorship level they are comfortable with and takes care of all the admin for me.
Please feel free to click to the link below to find out how this works and of course if you do like the podcasts and would like to hear more on this and related subjects please become patrons and support the expansion of my podcasts in the future.
More details on the Patreon campaign at www.patreon.com/pkn4395
Full details on PMICast (and Wheres Wilson) at www.pmicast.podbean.com
Thanks
Using Linkedin for Marketing
I'm always very wary of bombarding prospects with marketing information but as I've mentioned here before, marketing regularly is the lifeblood of any business and for me I'm very keen to ensure I have a good pipeline of business to work through.
The key I think is discipline in marketing, whatever you do, do it consistently whether you are busy or quiet. In fact marketing is something you should do even more regularly if you're busy, that's if you want to stay busy !
However, as I say above I do not want to annoy people. Over the last three or four years I've used Linkedin fairly sporadically as a marketing tool. My main focus has been on picking up new introducers and have been fairly successful in this regards. I've also managed to pick up a couple of clients directly too.
I've recently decided to ramp up my marketing to members of groups I contribute to on Linkedin on the basis that we are all networking professionals using this business social network to get out messages out to those with similar interests.
So if you do receive a note through from me and find your way to my business via this blog I wanted to say 'hi' and please feel free to market reciprocally to me - I always try and buy from fellow professional using Linkedin where possible.
The key I think is discipline in marketing, whatever you do, do it consistently whether you are busy or quiet. In fact marketing is something you should do even more regularly if you're busy, that's if you want to stay busy !
However, as I say above I do not want to annoy people. Over the last three or four years I've used Linkedin fairly sporadically as a marketing tool. My main focus has been on picking up new introducers and have been fairly successful in this regards. I've also managed to pick up a couple of clients directly too.
I've recently decided to ramp up my marketing to members of groups I contribute to on Linkedin on the basis that we are all networking professionals using this business social network to get out messages out to those with similar interests.
So if you do receive a note through from me and find your way to my business via this blog I wanted to say 'hi' and please feel free to market reciprocally to me - I always try and buy from fellow professional using Linkedin where possible.
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