Ballinger Benefit Services
Expanding Client Value: A Partnership for P&C Brokers
At Ballinger Benefit Services, we recognize that Property & Casualty (P&C) brokers are trusted advisors to small businesses, professional practices, and entrepreneurs. While you expertly protect their assets and operations, we can help you address a crucial, often overlooked, aspect of their well-being: personal and employee benefits.
Our partnership program is designed to provide your P&C clients with access to specialized benefits expertise, strengthening your relationship with them and creating new revenue opportunities for your agency, without requiring you to become benefits specialists.
How We Partner to Serve Your Clients:
We offer a flexible and comprehensive approach to ensure your clients receive the benefits guidance they need, enhancing their loyalty to your agency.
Individual & Small Business Benefits Guidance (Non-Group):
On-Site ACA Marketplace Enrollment Support: For your small business clients who do not offer traditional group health benefits, we can proactively engage their employees during the annual ACA (Affordable Care Act) Marketplace Open Enrollment Period (typically November 1 - January 15). We'll go on-site to their location to conduct informative sessions, explain individual health insurance options, navigate the Marketplace, and assist employees with the enrollment process. This ensures their workforce has access to vital health coverage.
Voluntary & Supplemental Benefits: Beyond health insurance, we educate employees and individuals on the value and availability of essential supplementary benefits such as:
Dental and Vision Insurance: Crucial for overall health and often highly valued.
Life Insurance: Providing financial security for families.
Supplemental Insurance: Including accident, critical illness, and hospital indemnity plans to cover unexpected medical costs.
Medicare Guidance: For employees or business owners nearing retirement or already Medicare-eligible, we provide expert guidance on navigating Medicare Parts A, B, C (Medicare Advantage), and D (Prescription Drug Plans), helping them make informed choices for their post-career healthcare.
Specialized Coverage for Professional Clients & Entrepreneurs:
Life Insurance Solutions: We partner with you to offer bespoke life insurance strategies for your professional clients (doctors, lawyers, etc.) and entrepreneurs (real estate agents, private practice psychologists, etc.). This includes personal coverage for family protection, as well as strategies for business succession planning and key person insurance.
Disability Income Insurance: Crucial for protecting the income of self-employed professionals and business owners, we provide tailored disability insurance solutions that safeguard their financial future in the event of an illness or injury that prevents them from working.
Benefits for Your P&C Agency:
Expand Your Service Offering: Instantly become a more holistic advisor to your clients, providing solutions beyond traditional P&C.
Deepen Client Relationships: Offer invaluable support that addresses a critical personal need, enhancing client loyalty and retention.
Unlock New Revenue Streams: Generate referral fees or a share of commissions from individual and specialized benefit placements.
Differentiate Your Agency: Stand out from competitors by providing a unique and comprehensive value proposition.
Maintain Focus: You remain the expert in P&C; we handle the complexities of health and personal benefits, freeing your team to concentrate on your core business.
No Additional Overhead: Leverage our expertise and resources without the need to hire or train in-house benefits specialists.
Ballinger Benefit Services is committed to fostering strong, mutually beneficial partnerships. By collaborating with P&C brokers, we collectively provide clients with a complete spectrum of insurance and benefits solutions, ensuring their comprehensive protection and peace of mind. Let's work together to empower your clients with the benefits they deserve.