PJO Insurance Brokerage is a full-service independent insurance agency that specializes in providing personalized insurance solutions for individuals and businesses. With our brokers having over 60 years of combined insurance experience, at PJO Insurance Brokerage, we take pride in the fact that we put our clients’ needs first and foremost.
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News headlines and insights into top stories from Business Insurance, a weekly newspaper covering risk management, employee benefits and commercial insurance.
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Joanna Wyckoff and Kathe Kline each work in the Medicare space, but they run their businesses very differently. Tune in each week to find out what they are talking about and how they can help your Medicare and ACA business grow. Do you want us to talk about something on the show? Send us an audio message (you are giving us permission to use it on the show) at https://s.bcast.fm/insurance-business-babes.
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Insurance Broker and Consultant Supporting Business Owners
Clarence Nappier, Insurance Broker & Consultant
Starting April 1, 2024, the only insurance brokerage in America company in the world has combined insurance services, sales system training and business development services to help businesses of any size increase sales productivity and performance using superior business development and sales training tools. Episodes focus on the four main sales functions: contacting, prospecting, appointment setting, closing and zero-cost referrals. Businesses can upload 3-minute videos to featured in regi ...
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321 Biz Dev is the number one consulting firm in the world offering sales systems and business development services for attorneys, CPAs, plastic surgeons, dentists, insurance brokers, real estate brokers.321 Biz Dev helps any small business owner with a sales function who wants to increase performance, productivity and profitability using superior business development and sales training tools. Podcast episodes focus on the four main sales functions: contacting, prospecting, appointment setti ...
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Insurance conversations about what it is like to work in the industry. We talk with professionals who work in all aspects of the industry from direct writers to excess and surplus lines brokers and everyone in-between. If you want to learn more about the insurance industry, The Business of Insurance is the place to start.
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Using AI and CRMs to Optimize Client Care and Business Operations
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## Leveraging Technology to Elevate Your Insurance Business In the latest episode of *Insurance Business Babes*, hosts Kathe Kline and Joanna Wyckoff delve into the power of technology and the importance of meticulous client interaction records within the insurance industry. Here are the critical insights from their discussion. ### The Power of CRM…
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Episode 893: Hopefully, Real Estate Agents Will Fight to Keep Their Industry Free
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Never stop fighting for how you earn your money. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 892: Medicare Members Should Not Be Treated Badly
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Call Clarence, aka Mr. Action. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 5: Understanding Employment Practices Liability Insurance In California
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In this episode, we will explain Employment Practices Liability Insurance, or EPLI, the benefits it offers, and why it's an essential option for your business in California. Remember, the stability and success of your business in Orange County, California, depend on the crucial protection that Employment Practices Liability Insurance provides. We e…
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Understanding Employment Practices Liability Insurance In California
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In this episode, we will explain Employment Practices Liability Insurance, or EPLI, the benefits it offers, and why it's an essential option for your business in California. Remember, the stability and success of your business in Orange County, California, depend on the crucial protection that Employment Practices Liability Insurance provides. We e…
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Episode 892: Medicare Members Should Not Be Treated Badly
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Call Clarence, aka Mr. Action. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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## Understanding the Challenges Faced by Insurance Agents Hosts Kathe Kline and Joanna Wyckoff, along with guest Angela Palo, delve into the multifaceted challenges insurance agents face in today's evolving regulatory environment. Their candid discussion sheds light on the intricacies of the insurance industry, highlighting the disconnection betwee…
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Episode 891: Heather Vernillo, FNP-BC, Florida, Offers Dutch Testing Sessions for Perimenopausal Women
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www.vernillowellness.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 890: Heather Vernillo, FNP-BC, Florida, Offers Dutch Testing Sessions for Perimenopausal Women
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www.vernillowellness.com Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Tackling Insurance Scams with Ronnell Nolan of HAFA
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In our latest episode, Joanna dives deep into the pressing issue of fraudulent practices in the insurance industry with the insightful Ronnell Nolan, president and founder of Health Agents for America (HAFA). 🔍 **Episode Highlights:** - Misleading Medicare ads promising benefits to those who don't qualify are being shut down, but fraudulent ACA ads…
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DAC- Navigating The Medicare Maze for Developmentally Disabled Adults
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### Let's Break Down Medicare for Disabled Adult Children Hey folks, Joanna's not here today, but let's chat about something that doesn't get nearly enough spotlight – Medicare benefits for those with developmental disabilities. If this sounds like new territory, don’t stress. We had Cynthia McCluskey, major advocate and insurance pro, spill the te…
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Episode 890: Selling Without Appearing to Sell (from 2016)
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Old information is new to someone. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 889: Theronical Kea, CEO, LabLink Advanced Mobile Phlebotomy-Columbus GA
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She's quite an entrepreneur. Click HERE for website. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 889: Theronical Kea, CEO, LabLink Advanced Mobile Phlebotomy-Columbus GA
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Click HERE to Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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The Power of Proactive Client Attraction
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In this episode of the podcast, hosts Kathe and Joanna discuss the challenges that insurance agents face in achieving success. They begin by examining a meme that one of Joanna's agents shared, which highlights the disparity between those who are eager to win and those who are willing to do what it takes to win. This sets the stage for a conversati…
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Episode 888: The Background Why Newsletters Are More Powerful Than Social Media
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Make your marketing count with 321 Biz Development and Insurance For Sure Agency. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 888: The Background Why Newsletters Are More Powerful Than Social Media
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Make your marketing count with 321 Biz Development and Insurance For Sure Agency. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 887: Business Owners Have Their Own Private Networks
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Get on the insurance brokerage B2B network. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 887: Business Owners Have Their Own Private Networks Video episode •
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Get on the insurance brokerage B2B network. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Conference Dilemma: How to Determine Which Insurance Trainings Are Worth Your Time
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Hosts Kathe Kline and Joanna Wyckoff provided valuable insights into the complexities of selecting and attending insurance training and conferences. From managing calendar commitments to understanding the relevance of different training sessions and the considerations involved in attending conferences, the hosts shared their expertise and experienc…
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We call 5. You call 5. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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We call 5. You call 5. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 885B: The Best Explanation For How Your Beauty Should NOT Lead Your Goals-Columbus GA
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Shamekia provides a clear, concise explanation why using your beauty, especially in sales, is not good for the short- or long-term. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 885B: The Best Explanation For How Your Beauty Should NOT Lead Your Goals-Columbus GA
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Shamekia of Columbus GA provides a clear, concise explanation why using your beauty, especially in sales, is not good for the short- or long-term. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 884B: Two Advance Sales Topics About Sales Psychology
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I found two clips: one from a person starting a real estate career and a clip from Patrick Bet David, nationally known CEO. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 884: Two Advance Sales Topics About Sales Psychology
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I found two clips: one from a person starting a real estate career and a clip from Patrick Bet David, nationally known CEO. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 883B: Get a Business Breakthrough…Breakout of Doing Business The Same Way
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Your goals can be bigger than the boundaries surrounding you. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 883: Get a Business Breakthrough…Breakout of Doing Business The Same Way
8:42
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Your goals can be bigger than the boundaries surrounding you. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Taking Control: The Shift from Employee to Owner Mindset
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# The Balancing Act: Protecting Your Business and Managing Communications ## Safeguarding Client Data with CRM Platforms In the digital age, the backbone of a thriving insurance business is a robust Customer Relationship Management (CRM) system. However, as they articulate, it's not just about having a CRM; it’s about owning your data and ensuring …
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Episode 882: To Grow Your Business, You Should Not Focus On Products or Services or Certifications
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It's not all about your products and services. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 882B: To Grow Your Business, You Should Not Focus On Products or Services or Certifications
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It's not all about your products and services. --- Send in a voice message: https://podcasters.spotify.com/pod/show/321bizdevelopment/message
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Episode 880: Professional Booking Is an Investment, Not an Expense
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Numbers do not lie. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 881: Tell-Tale Troubling Bookkeeping Indicators to Signal Calling Karla
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Numbers do not lie. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 879: Be A Professional, First. Then Use Your Physical Attributes, If Necessary
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Put your product first. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Medicaid Waivers and other Out of the Box ideas for your clients
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🎙️ Deep Dive into Medicaid Waivers, Prescription Assistance, and other ways to help your clients save money🎙️ 🔑 3 Key Takeaways: - 🏡 Community-Based Support: Medicaid waivers enable community-based care, preventing institutionalization and fostering at-home independence for those with severe disabilities or in need of 24-hour care. - 💉 Access to Me…
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Episode 878: D’MAMA 4: Contacting, Prospecting and the Closing for Realtors
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This will continue. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 877: DMAMA3, Building Value Will Not Be the Same After the NAR Settlement
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Sellers only want to maximize their net settlement. Building value is no longer a priority. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 875: What Realtors Did Before NAR Settlement-D'MAMA “Doesn’t Mean Anything Much Anymore”
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Business owners were blindsided. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 4: Understanding Policies For Insuring Against Errors And Omissions
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In this episode of our podcast, we're diving deep into the complexities of Errors and Omissions Insurance, highlighting its critical role in Arizona's business landscape. Remember, almost every business that provides a service for a fee will have some Errors and Omissions exposure, and thus is vulnerable to claims and lawsuits alleging negligence, …
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Understanding Policies For Insuring Against Errors And Omissions
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In this episode of our podcast, we're diving deep into the complexities of Errors and Omissions Insurance, highlighting its critical role in Arizona's business landscape. Remember, almost every business that provides a service for a fee will have some Errors and Omissions exposure, and thus is vulnerable to claims and lawsuits alleging negligence, …
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Episode 874: ”You Chose to Work As A ________, But You Didn’t Realize You Must Be a Salesperson Too”
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The awakening is here. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Understanding Health Care Professionals' Concerns About Medicare Advantage Plans: Exploring Real Issues
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In this episode of the Insurance Business Babes podcast, hosts Kathe Kline and Joanna Wyckoff delved into the contentious issue of why healthcare workers often dislike Medicare Advantage Plans. This discussion sheds light on the complexities and nuances involved in navigating the intricacies of healthcare coverage, particularly for senior citizens.…
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Episode 873: Republishing 2019 Episode: Realtors Flaunting Their Incomes on Social Media Led to Commission Restructuring
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27:25
Everything I said in 2019 was correct about real estate agents flaunting their lifestyles while 9-5 workers had to grind it out for money. Social media is the reason why real estate agent commissions are under attack. I was a CA real estate and soon will be a GA agent. So, I'm talking from experience. Music is in the background so people cannot alt…
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Episode 872: Realtors About to Experience Significant New Realties When Selling Homes
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14:59
It's about to go down. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Episode 871: Heather Vernillo, Florida, FNP-BC, Discusses Perimenopause and Dutch Testing
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5:40
Article link: https://people.com/halle-berry-doctor-mistook-herpes-was-actually-perimenopause-8620534 www.vernillowellness.com Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.comAv Rick Nappier
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Step Up Your Insurance Game with Tech Tools
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37:55
This weeks podcast episode is all about the Tech Tools you should consider using. # Revolutionizing Insurance Business with Cutting-Edge Tech As a seasoned professional or a budding entrepreneur in the competitive insurance industry, staying abreast of the latest technological advancements is imperative for success. In today’s episode of Insurance …
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From Pass to Prep: How New Agents Can Hit the Ground Running
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37:37
Here's a sneak peek of what this episode holds for you: 1. **Contract Quest: Shop Around!** Don't sign on the dotted line without shopping around first. Our hosts discuss why interviewing different agents and understanding their release policies are key steps for securing the most beneficial partnership for your budding business. 2. **Prenups of Bu…
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Episode 3: Understanding Property Inland Marine Coverage in Arizona
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In this podcast we’ll provide information about the property/inland marine coverage for companies in Arizona that need to prevent significant losses due to a major disaster. There are several types of property and inland marine coverages available on your Arizona Property/Inland Insurance Policy. If your company would like to explore what coverages…
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Understanding Property Inland Marine Coverage in Arizona
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In this podcast we’ll provide information about the property/inland marine coverage for companies in Arizona that need to prevent significant losses due to a major disaster. There are several types of property and inland marine coverages available on your Arizona Property/Inland Insurance Policy. If your company would like to explore what coverages…
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Tackling Procrastination: The Power of Accountability
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This Week on the Podcast: Kathe and Joanna dive deep into the world of accountability coworking. They discuss how light white noise and camera presence during remote work sessions can make a significant difference in staying focused. Learn strategies from our hosts' personal experiences on how to keep your home office productivity on point. 🪞 Virtu…
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