18 05, 2026

๐—˜๐—ณ๐—ณ๐—ถ๐—ฐ๐—ถ๐—ฒ๐—ป๐—ฐ๐˜† ๐˜ƒ๐˜€. ๐—˜๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐˜ƒ๐—ฒ๐—ป๐—ฒ๐˜€๐˜€ ๐—ถ๐—ป ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—บ๐—ฒ๐—ป๐˜

By |2026-05-18T23:24:18+00:00May 18th, 2026|Uncategorized|0 Comments

๐— ๐—ผ๐˜€๐˜ ๐—ง๐—ฃ๐—”๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐˜ ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—ฒ๐—ณ๐—ณ๐—ถ๐—ฐ๐—ถ๐—ฒ๐—ป๐˜. Claims come in, PPO contracts are applied, discounts are calculated, and payments are issued timely. Notes are documented. Compliance requirements are satisfied. ๐˜›๐˜ฉ๐˜ข๐˜ตโ€™๐˜ด ๐˜ฆ๐˜ง๐˜ง๐˜ช๐˜ค๐˜ช๐˜ฆ๐˜ฏ๐˜ค๐˜บ. ๐—•๐˜‚๐˜ ๐—ฒ๐—ณ๐—ณ๐—ถ๐—ฐ๐—ถ๐—ฒ๐—ป๐—ฐ๐˜† ๐—ฎ๐—ป๐—ฑ ๐—ฒ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐˜ƒ๐—ฒ๐—ป๐—ฒ๐˜€๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—ป๐—ผ๐˜ ๐˜๐—ต๐—ฒ ๐˜€๐—ฎ๐—บ๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ด. I was recently reviewing a large stop-loss claimant and noticed several high-dollar hospital claims [...]

22 02, 2026

Reinsurer Exodus…

By |2026-02-23T00:32:37+00:00February 22nd, 2026|Risk, Uncategorized|Comments Off on Reinsurer Exodus…

๐—ฅ๐—ฒ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฒ๐—ฟ ๐—˜๐˜…๐—ผ๐—ฑ๐˜‚๐˜€... For those in the know, several wellโ€‘known reinsurers have materially reduced their exposure to the medical stopโ€‘loss market โ€” across XOL, quota share, direct writingโ€ฆ in some cases, all three. Others are, letโ€™s say, operating with elevated heart rates (not a technical actuarial term ๐Ÿ˜„). Despite meaningful rate increases in what many describe [...]

7 09, 2025

Getting Carriers to Say “Yes” Faster!

By |2026-05-06T21:11:29+00:00September 7th, 2025|Uncategorized|Comments Off on Getting Carriers to Say “Yes” Faster!

How to de-risk your good ideas and earn carrier support. Overview Carriers and risk partners want clarity and proofโ€”not just enthusiasm. This playbook helps you replace โ€œtrust usโ€ with evidence. Score your idea across eight risk areas from 1 (high risk / unproven) to 5 (low risk / proven & operating), and package the proof [...]

19 08, 2025

Banking, Reinsurance, and the Fed: A Thought Experiment on Risk Pools

By |2025-08-19T13:49:49+00:00August 19th, 2025|Risk|Comments Off on Banking, Reinsurance, and the Fed: A Thought Experiment on Risk Pools

Banking, Reinsurance, and the Fed: A Thought Experiment on Risk Pools What if we looked at banks the way we look at insurersโ€”and the Federal Reserve as an excess-of-loss carrier? And what if we removed that carrier from the stack? The Core Analogy: Banking Is a Risk Business Banks transform short-term deposits into long-term loans. [...]

6 08, 2025

The Deal That Got Away: Why Speed (and Standards) Matter in Risk

By |2025-08-06T16:22:47+00:00August 6th, 2025|Business Development|Comments Off on The Deal That Got Away: Why Speed (and Standards) Matter in Risk

The Cost of Slow DecisionsEvery consultant in the insurance world has felt it: a strong business opportunity emerges, the numbers check out, the plan is written, the pitch is deliveredโ€”and thenโ€ฆ silence. Days turn into weeks, weeks into months, and eventually, the deal fades into obscurity. Not because it was a bad idea. Not because [...]

12 05, 2025

Rethinking the Phrase “Itโ€™s a Relationship Business”

By |2025-05-12T18:19:28+00:00May 12th, 2025|Sales|Comments Off on Rethinking the Phrase “Itโ€™s a Relationship Business”

We All Say Relationships Matter. But What Does That Really Mean? In the risk industryโ€”an industry characterized by complex salesโ€”we hear it all the time: "It's a relationship business." It rolls off the tongue in conversations with producers, vendors, and carrier partners alike. But when you stop and really think about it, what do we [...]

16 08, 2017

Business Lessons Learned in a Garden…

By |2018-06-13T21:01:12+00:00August 16th, 2017|Embracing Change|Comments Off on Business Lessons Learned in a Garden…

My elderly neighbor, and long time friend, has a garden. Sheโ€™s had one for the last 30+ years and despite request from all of her family and friends to let it go, she insist the show must go on. Why I ask, when vegetables could be bought so cheaply at the local farmers market, and [...]

16 02, 2015

Why Do We Fall

By |2015-02-16T12:03:27+00:00February 16th, 2015|Motivation|Comments Off on Why Do We Fall

Great motivational video, for both sports and business alike. ย The road of success is littered with failures......ask any CEO of a Fortune 500 company, or an athlete in the Hall of Fame. ย It's hard to get back up and fight after you've been kicked in the teeth repeatedly but success is a game of inches......he [...]

Go to Top