Operational Guidelines

  • Passion

    We are passionate about being the best independent agency solution. Passion is the essence of how We do business.

  • Solution Centric

    We focus on solving problems so that our agents can do what they do best- sell insurance.

  • Teamwork

    We are stronger together. Our network of agents, staff and carriers encompass an organization that maximizes the insurance experience for our customers.

  • Integrity

    We pride ourselves on our honesty and moral obligation to all of our agents, carriers and insureds.

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WE ARE STRONGER TOGETHER

Distribution systems function efficiently

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Philip Visali
Chief Executive Officer

I began my insurance career twenty years ago, before Florida domestic carriers were even born. Consumers would walk into insurance agencies to buy insurance from their local agent. The national carriers offered the majority of policies sold to clients, and the idea of being part of a group, franchise, or aggregator was very foreign. After all, we were insurance agents, and we sold the policy; therefore, we were entitled to 100% of the commission and could make the most money for our families. Why would we ever take less than 100%? It didn’t make financial sense. In addition, the client wanted me to handle their service, not a call center.

Today, twenty years later, according to The Florida Office of Insurance Regulation “Top 25 Annualized Premiums Written” as of September 30, 2016, there is no mention of any national carrier that dominated the list twenty years ago. The list is comprised of mainly Florida domestics that were “born” within these last twenty years, and many within the past ten. The trend is obviously independent vs. captive, but the real question is, do you do it alone or do you join forces with a winning team? What about the commission? Again, we are the agents and we sold the policy, so we are entitled to 100%, so we can make the most for our families.

Insurance companies are managed by people just like us, the agents. However, their mission is to manage the company as efficiently as possible so that they, too, can “make” the most for their families. Think about this: Do you believe that an insurance company wants to have its product sold by as many agents as possible, which would generate the maximum possible sales? I agree—to a point.

Let me explain. If an insurance company’s goal is to sell as many policies as possible, to generate the maximum possible premium, then they must manage their business as efficiently as possible. This means that, if a company has five marketing representatives for Florida and there are 4,000 licensed agents appointed, each representative would be responsible to manage about 800 agents. That is not efficient, and it’s not a realistic load for any one person to handle and be effective across the board.



Rough Notes, May 2017

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