Happy Thanksgiving from the staff of California Broker 

We wish you a happy, joyous Thanksgiving!


As we count our many blessings, YOU are among them. We are grateful to our community of professionals for your 41 years of participation — as readers, authors, advertisers and colleagues.

Courtesy of Word and Brown general agency, we join in reflecting on 2022 and consider the things for which brokers might be thankful.

An improving economy: While unemployment is still higher than leaders in California and Nevada would like, hiring is up in 2022. While some businesses still face challenges filling job openings, unemployed resident numbers are down dramatically.

Unlimited income potential: As an independent health insurance professional, you have virtually no income ceiling. Few industries outside of health insurance and financial services offer individuals with little work or sales experience the opportunity to earn a potentially large paycheck quickly.

You can set your own goals, choose what hours you want to work, and decide when and where you want to meet with your prospects and clients. You earn a commission on each sale — and you have opportunities to earn added bonuses, too.

Customers and prospects need you: Shopping for health insurance for a small business can be complicated. For a larger business, it can be even more challenging. Prospects and customers routinely seek out insurance and benefits professionals to help them make purchasing decisions. They rely on your experience and expertise to ensure their access to the doctors, hospitals, and other health care professionals — and the prescription drug medications — in the plans they are considering.

A competitive marketplace: Thanks, in part, to the Affordable Care Act (ACA), small business health insurance is very competitive. Your clients have access to a wide range of carriers and plans, including options in all four ACA metal tiers: Bronze, Silver, Gold, and Platinum. According to information from the Kaiser Family Foundation (KFF) published in late 2021, more than half (58%) of small firms and 99% of large firms offer health benefits to at least some of their workers. The opportunity is there, and you can help your employer clients identify coverage designed to meet the needs of their employees, while still controlling costs for their businesses.

Available support from a general agent (GA): A general agent can provide you, your colleagues, and your agency with a variety of valuable tools and resources. A GA can help relieve you of some of the back-office, enrollment, and administrative tasks associated with group health. That allows you to focus on what is really important: sales.

When you partner with Word & Brown as your GA, you can take advantage of five things that set us apart from other general agencies.

Find out those 5 Word and Brown advantages here.

Look for CalBroker’s December issue, coming out the first week of the month, chock full of useful information. 

Happy Abundant Thanksgiving to you all, 

Phil, Carmen, Zulma, Randy, Devon and Linda