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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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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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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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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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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Episode 923: Never Haggle With a Defense Attorney Over Fees
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6:51
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6:51The quality of attorney services may drop if the attorney accepts a lower fee.
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Local Marketing: A Game-Changer for Insurance Agents In this week's episode of the Insurance Business Babes podcast, hosts Kathe Kline and Joanna Wyckoff elaborated on the power and efficiency of focusing on local marketing. Here are some key insights from their conversation. Kathe shares her experience since moving from California to South Carolin…
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Episode 1: California Health Insurance Plans: Simple Steps To Make The Right Choice
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6:04In this episode, we’ll provide simple tips for choosing the right health insurance plan in California. By following these simple steps, you can take charge of your health and choose a plan that meets your needs and budget. Remember to consider your health needs, review benefits, analyze provider networks, and utilize resources for comparison. For p…
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California Health Insurance Plans: Simple Steps To Make The Right Choice
6:04
6:04
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6:04In this episode, we’ll provide simple tips for choosing the right health insurance plan in California. By following these simple steps, you can take charge of your health and choose a plan that meets your needs and budget. Remember to consider your health needs, review benefits, analyze provider networks, and utilize resources for comparison. For p…
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Episode 922: Is Your Sales Rejection Tolerance Able to Handle 7 out 10 Prospects Telling You NO?
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3:25Especially if the 3 out of 10 means you can earn $10,000?
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Episode 921: Business Owners Are Not Selling and Consumers Are Not Buying
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1:38It's an amazing conundrum.
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Episode 920: Business Growth Mode or Stagnation Mode: It's a Choice
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12:19Employers regularly talk about healthcare costs increasing. Using the 321 sales system and business development strategies, business owners grow company revenues to outpace employee benefit rising costs.
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Managing Bias, Burnout, and Business Growth in Insurance
39:12
39:12
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39:12In this episode of "Insurance Business Babes," Joanna Wyckoff shares a challenging incident where a client was unwilling to engage with her assistant due to racial bias. This underscores the ongoing issues of discrimination that persist even in professional settings. Joanna emphasizes the importance of her office process, where clients must communi…
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Episode 919: Clarence Is A Business Owner's Best Friend
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1:18Clarence is the only insurance broker who supports business owners' sales goals.
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OEP: It's time to Refresh and Revitalize your Business!
48:21
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48:21In the latest episode of the "Insurance Business Babes," hosts Joanna Wyckoff and Kathe Kline dove into an insightful discussion on balancing business growth with maintaining a fulfilling lifestyle. The hosts address the age-old debate: Should one scale their business for greater financial gain, or prioritize a simpler, more content life? Kathe sha…
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The Future of Disaster SEPs: Agents Adjust to New CMS Rules
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31:08In this episode of "Insurance Business Babes," hosts Joanna Wyckoff and Kathe Kline delve into the complexities and evolving landscape of disaster-related special election periods (SEPs) and their potential phase-out, largely due to misuse by giant call centers and regulatory changes from CMS. They discuss the impact these changes have on independe…
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What will you do differently in 2025?
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42:41As we leave the 2024 enrollment period, the ladies stress the necessity of evaluating what works and pivoting to more effective strategies. Joanna emphasizes refining actions proactively, while Kathe advises maintaining an inventory of time and actions to ensure maximum productivity. They underline the value of carrier training sessions, which miti…
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Episode 12: Why Life Insurance Is Essential For Your Financial Future: Discover The Key Advantage
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8:52In this episode, we’ll discuss why life insurance is a cornerstone of your financial future and how it goes beyond simply replacing lost income to safeguard your family’s lifestyle and long-term financial security. At PJO Insurance Brokerage, our professionals are ready to guide you through the process of selecting the right life insurance policy f…
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Why Life Insurance Is Essential For Your Financial Future: Discover The Key Advantage
8:52
8:52
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8:52In this episode, we’ll discuss why life insurance is a cornerstone of your financial future and how it goes beyond simply replacing lost income to safeguard your family’s lifestyle and long-term financial security. At PJO Insurance Brokerage, our professionals are ready to guide you through the process of selecting the right life insurance policy f…
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Episode 918: The Uninsurable Now Have More Options For Long-Term Care Coverage
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4:07Please call Clarence at (866) 901-9876
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Episode 917: Medicare in English and Español by Two Florida Agents
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11:30Part one of three parts.
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Empowering Clients Through Legal Planning and Education: Insights from Kim Hegwood
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37:37### The Importance of Succession Planning and Legal Preparedness in the Insurance Industry In a recent "Insurance Business Babes" episode, host Joanna Wyckoff welcomed Kim Hegwood to delve into the critical issues of succession planning and legal preparedness in the insurance realm. Their conversation highlighted several essential considerations th…
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Streamlining Medicare Enrollments Tips and Tricks for Agents (Part 2 of Plan Shutdowns...)
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23:59Crisis Alert: Navigating Plan Closures and Provider Disruptions As agents in the ever-evolving landscape of Medicare, staying ahead of substantial changes is critical. The latest episode of Insurance Business Babes tackled urgent and pressing issues of plan closures and provider disruptions, highlighted by hosts Kathe Kline and Joanna Wyckoff. This…
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Episode 11: What Are The First Steps a Business Should Take After A Cyber Attack, Covered By Cyber Liability Insurance?
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6:39In this episode, we’ll explore how to minimize data risks, focusing on the critical first steps every business should take following a cyber attack and the ways cyber liability insurance can safeguard your organization. Contact us at PJO Insurance Brokerage, our goal is to provide you with the best plan for your business. We can help you understand…
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What Are The First Steps a Business Should Take After A Cyber Attack, Covered By Cyber Liability Insurance?
6:39
6:39
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6:39In this episode, we’ll explore how to minimize data risks, focusing on the critical first steps every business should take following a cyber attack and the ways cyber liability insurance can safeguard your organization. Contact us at PJO Insurance Brokerage, our goal is to provide you with the best plan for your business. We can help you understand…
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Plan Shutdowns and Automation: An AEP Survival Guide
26:12
26:12
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26:12Crisis Alert: Navigating Plan Closures and Provider Disruptions As agents in the ever-evolving landscape of Medicare, staying ahead of substantial changes is critical. The latest episode of Insurance Business Babes tackled urgent and pressing issues of plan closures and provider disruptions, highlighted by hosts Kathe Kline and Joanna Wyckoff. This…
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Managing Bias, Burnout, and Business Growth
39:12
39:12
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39:12### Overcoming Bias in Client Interactions In this episode of "Insurance Business Babes," Joanna Wyckoff shares a challenging incident where a client was unwilling to engage with her assistant due to racial bias. This underscores the ongoing issues of discrimination that persist even in professional settings. Joanna emphasizes the importance of her…
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From Medicare to ACA: Why Agents Should Expand Their Expertise
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32:52
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32:52**Enter the ACA Field with Ease** Joanna shares insights on how accessible the Affordable Care Act (ACA) field is, thanks to federal certifications and free certifications through state-based exchanges. She encourages agents to be transparent about their commission structures and discuss any commission deductions upfront. Often, agents find themsel…
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# Should You Pay Your FMO for Training? Insights from the Insurance Business Babes **The Initial Investment: Paying for Training to Foster Seriousness** In the latest episode of *Insurance Business Babes*, hosts Joanna Wyckoff and Kathe Kline delve into a contentious topic: whether new insurance agents should pay their Field Marketing Organization …
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Episode 10: Brokers vs Direct Agents: Uncovering The Key Differences In Choosing The Right Insurance Option
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5:34
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5:34In this episode, we explore the roles of direct agents and brokers in insurance, highlighting key differences to help you choose the right option. When Choosing The Right Insurance Professional For Your Needs, get all the information you can to compare the best plans. At PJO Insurance Brokerage, a top-rated brokerage in Nevada, we provide insurance…
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Brokers vs Direct Agents: Uncovering The Key Differences In Choosing The Right Insurance Option
5:34
5:34
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5:34In this episode, we explore the roles of direct agents and brokers in insurance, highlighting key differences to help you choose the right option. When Choosing The Right Insurance Professional For Your Needs, get all the information you can to compare the best plans. At PJO Insurance Brokerage, a top-rated brokerage in Nevada, we provide insurance…
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Episode 916: Los Angeles County Homeowners Having Problems Selling Their Homes
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15:13California and Florida homeowners: looking to buy in Georgia? nappiereste.georgiamls.com
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Hate Dental? Rethinking Dental Insurance
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42:51
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42:51Hosts Kathe Kline and Joanna Wyckoff were joined by Jamieson Keller, Chief Commercial Officer at NCD, whose insights on dental insurance are invaluable for every Medicare agent. Cross-Selling Opportunities Jamieson emphasizes the importance of cross-selling dental insurance as a critical component of comprehensive client service. By integrating den…
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Episode 915: It's Now or Never...The End of the Year is Here
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2:24www.321bizdev.com www.thenationalcanvas.com www.insforsure.com
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Reduce Anxiety and Increase Productivity with Organization
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38:56
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38:56In this episode of "Insurance Business Babes," hosts Joanna Wyckoff and Kathe Kline stress the importance of organization and preparation, especially before the Annual Election Period (AEP). They discuss various strategies for maintaining focus and efficiency, such as scheduling health appointments in advance, keeping detailed to-do lists, and usin…
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Episode 914: Learned Helplessness and Learned Optimism for Business Owners by Julie K
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23:18Getting this information is a major breakthrough for my consulting firm. This content does not provide a clear solution to increase sales, but Learned Helplessness and Learned Optimism do offer a fundamental understanding why business owners and salespeople stumble. https://youtu.be/q8pQf1YTf9I?si=RvmGCY4X73Vg11DZ…
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Episode 913: The Four Prospect Personalities Business Owners Need to Identify
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6:44www.321bizdev.com www.thenationalcanvas.com www.insforsure.com
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Episode 912: 321 Biz Dev Sales Systems Basics (2 of 2)
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2:34www.321bizdev.com www.thenationalcanvas.com www.insforsure.com
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Dominating Local Markets: Mastering Event Strategies for Insurance Agents
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34:24In the latest episode of Insurance Business Babes, Steve Pomerantz joins Joanna Wyckoff to dive deep into strategies for mastering events and achieving local market dominance, essential for insurance agents especially during the Annual Enrollment Period (AEP). Joanna Wyckoff highlights the value of establishing robust relationships with broker mana…
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Episode 911: 321 Biz Dev Sales System Basics (1 of 2)
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2:46www.321bizdev.com www.thenationalcanvas.com www.insforsure.com
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Episode 910: Plan Your 2025 or Keep Your Head Above Water Through 2024
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16:26It's okay to say you need help. www.321bizdev.com www.thenationalcanvas.com www.insforsure.com
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Episode 909: Top Industries Served by The National Canvas Magazine
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1:57www.thenationalcanvas.com www.321bizdev.com
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Episode 908: We Got to Get Better At the Game Or the Game Will Play You
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9:26
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9:26www.thenationalcanvas.com www.321bizdev.com www.insforsure.com
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How the Inflation Reduction Act Reforms Medicare Part D Plans in 2025
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40:46
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40:46Understanding Medicare Part D and the Inflation Reduction Act Kathe Kline is joined by Andrew Saul, Sales Director at Physicians Mutual, to delve into the complexities surrounding Medicare Part D and the changes ushered in by the Inflation Reduction Act. Key points of discussion included the new $2,000 out-of-pocket cap and its impact on seniors, a…
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Episode 906: Digital and Paper Business Magazine Subscriptions Now Available Across the US and Canada
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1:50The National Canvas and the County Canvas publish quarterly.
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Episode 905: Sasser Bookkeeping-Where Bookkeeping Has No Gray Areas
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0:52www.sasservba.com
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Client Retention Strategies Amid Medicare Plan Disruptions
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37:44Navigating Medicare Plan Changes: Key Strategies for Insurance Agents In our latest episode of "Insurance Business Babes," hosts Kathe Kline and Joanna Wyckoff dive deeply into the essentials of managing Medicare plan changes and the importance of timely communication with clients. Here are the most critical takeaways and strategies discussed to en…
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Episode 9: What Benefits Can Arizona General Liability Insurance Offer My Small Business?
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6:21In this episode we'll review how to protect your Arizona small business by unlocking the full potential of general liability insurance. If you’re serious about launching a business in the Gold Canyon State, think about the types of insurance you’ll need. Being covered allows you to focus on building your business without having to worry about costl…
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What Benefits Can Arizona General Liability Insurance Offer My Small Business?
6:21
6:21
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6:21In this episode we'll review how to protect your Arizona small business by unlocking the full potential of general liability insurance. If you’re serious about launching a business in the Gold Canyon State, think about the types of insurance you’ll need. Being covered allows you to focus on building your business without having to worry about costl…
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Episode 904: Why People Never Rise Above the Opinion of Themselves
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17:34This video will be introduced in the 321 Biz Dev sales system and business development training. www.321bizdev.com
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Last-Minute AEP Preparation: Key Strategies from Industry Experts As we approach the Annual Enrollment Period (AEP), ensuring that your preparations are comprehensive and efficient is critical for a successful season. In this episode of Insurance Business Babes, hosts Kathe Kline and Joanna Wyckoff shared valuable insights and strategies for last-m…
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Episode 903: Three Perspectives Business Owners Need to Solidify to Add More Customers
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6:19321BizDev.com
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Episode 902: Gain More Control in Adding Customers to Your Business Using Our Digital and Hardcopy Magazine
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1:20We have a digital and hardcopy magazine publishing company. #digital #mailing #database #realtors #plasticsurgeons #attorneys #roofing #builders #homebuilders
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Surviving Major Carrier Compensation Cuts: Insights and Strategies for Brokers
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25:50Navigating the Shifting Landscape of Medicare Plans: Insights from Insurance Business Babes In a recent episode of the ever-insightful "Insurance Business Babes" podcast, hosts Kathe Kline and Joanna Wyckoff delve into pressing issues facing insurance brokers and their clients in the Medicare universe. From the discontinuation of broker commissions…
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Stage 8: Selling Your Medicare Business: Insights and Tips for a Smooth Transition
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21:27In this episode of "Insurance Business Babes," host Kathe Kline is joined by guest Christian Brindle to discuss the intricacies of preparing for the transition or sale of a Medicare business. They differentiate between selling the entire business, which includes systems and leadership and tends to be more lucrative, and selling just the client book…
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