New York insurance agency, Total Management, doesn’t sell a business policy without disability coverage

Total Management Corporation, an independent insurance agency with offices on Long Island and Manhattan, has built a successful business for more than 40 years by focusing on two things: stellar service and customer education. TMC wants to be the first to tell their customers about new benefits and opportunities.

Likewise, TMC recognizes the advantages of selling DBL insurance to every business customer. Many small business owners are unaware of this mandatory benefit. TMC serves their customers’ best interests by educating them about DBL coverage. For the broker, DBL provides residual commissions every year, and represents opportunities to grow their book of business through consultative selling.

“DBL business never goes away,” says Total Management Corporation’s Phil Bilello. “The client gets a bill once a year, pays it, and doesn’t think twice. We insist all our business clients carry disability insurance. We won’t write an account without it.”

Rather than ignoring the mandatory coverage, TMC puts disability insurance side-by-side with other group benefits packages, providing a page on their website where small business owners can request a disability insurance quote online.

It sounds simple, but in a world where DBL coverage is often a forgotten benefit, this page helps keep disability insurance on the minds of busy business owners and HR directors who visit the TMC site.

The Secret to Reaching High-end Clients with Enhanced DBL Plans

To increase DBL revenue, the Total Management team has become adept at recognizing customers, usually higher end service professionals like real estate agencies, doctor’s offices, and law firms, who may be amenable to enhanced DBL coverage.

“We find that service professionals are the most likely to agree to enhanced DBL benefits, so we come back to them every year and discuss the possibility of providing a better benefits package to their employees,” says Bilello. “We will also discuss it over the course of the year. You want to have multiple touchpoints when you’re trying to enhance a policy.”

These customers who recognize the value of robust business insurance policies, Bilello says, are his ideal customers. “We want to sell to the true business professional who values insurance, values the coverage and values the services an independent insurance agency can provide,” he says.

Service: The Key Differentiator for Total Management Corporation

For more than 40 years, Total Management Corporation has focused on delivering exemplary service to business professionals, as well as individuals and not-for-profit organizations.

“It’s hard to say what differentiates one insurance agency from another,” Bilello admits. “But we have a hard-working, conscientious staff that takes ownership of their accounts and cares about the agency. We work hard for our clients, earning their business every year, and maintaining their trust and loyalty. Those are the keys to our success and our future success. If you don’t work hard every day to keep your business growing, you won’t be in business much longer. You can never get complacent.”

Shared Values, Emphasis on Education

Total Management Corporation recognizes that DBL Center shares these values of hard work and exemplary service, resulting in a 20+ year partnership between the independent insurance agency and the wholesaler. “We started out working with [founder] David Cohen and [VP of Sales] Richard Slavin, and now we have the whole team behind us,” says Bilello.

“DBL Center has been wonderful because they get out in front of their brokers, and let us know they’re supporting us,” says Bilello. “They’re always very helpful, very professional, and very educated about their products.”

The DBL Center provided support when New York State first implemented Paid Family Leave laws, permitting Total Management Corporation to better educate their customers, show their knowledge, and build trust. The DBL Center offered seminars and lunch and learn programs, sent out informational emails, and launched its Paid Family Leave Resource Center to educate brokers about the upcoming mandatory benefit.

“If it weren’t for DBL Center, we wouldn’t have known anything about Paid Family Leave,” says Bilello. “Michael [Cohen] and his staff took the ball and ran with it. PFL is confusing enough, but they made the transition so much easier for all of us.”

Net Revenue Tracker: The Next Phase of Growth

In Q2 2018, Total Management Center will be looking to The DBL Center for additional resources in the form of an app that enables brokers to track all of their accounts from one intuitive, easy-to-access dashboard. “We’re looking forward to Net Revenue Tracker,” says Bilello. “Real-time information is always important and having data and analytics at your fingertips is invaluable for an insurance agency.”

He concludes, “DBL Center has become a trusted partner and we look forward to a continued relationship.”

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