What Is a General Agency?

In healthcare, a General Agency (GA) is a business that mainly does three things:

• It connects brokers with carriers so they can sell a wide range of insurance products.

• It helps brokers execute the tasks that need to be done to sell insurance to an individual or employer group.

• It provides brokers with ongoing support like assistance with compliance, answering questions, giving vital market insights, offering helpful broker education, and more.

Practical Example

The Liam Smith recently opened an insurance agency and just became the Broker of Record for three employer clients.

Though Open Enrollment is months away, he needs help to tackle all the planning and tasks that goes into finding the best coverage for his clients. So he reaches out to Warner Pacific.

Here’s where a GA like Warner Pacific comes in: We dedicate a team of experts to assist Liam throughout the entire selling process. Warner Pacific helps him:

• Prequalify his groups by checking their “active” status, reviewing corporate documents, etc.
• Quote his groups and provide comparisons on carrier rates and benefits
• Strategize plan offerings, pre-enrollment details, and more with an assigned Sales Consultant
• Set up his groups for enrollment
• Ensure his group submissions were approved by communicating with our carrier partners
• Help renew his groups

There’s much more we provide, but this simple illustration shows just some of the core offerings Warner Pacific provides.

In addition, we would provide ongoing support to Liam, including:

• Sending Liam a monthly compliance newsletter, which can help his groups remain compliant with healthcare regulations
• Informing him about new partners that can potentially provide valuable insurance solutions to his clients
• Inviting Liam to an online Warner U class so he can learn about Level Funding and Self-Funding, both of which can help him offer those solutions to the right groups
• And more

In summary, Warner Pacific (the General Agency) is Liam’s trusted adviser and partner, an expert that helps him service all of his clients’ needs efficiently and frees up his time so he can continue to grow his book of business.

While Warner Pacific provides an extensive number of products and services, please note that the offerings of other General Agencies may vary.

Product Lines Serviced by General Agencies

General Agencies often have specific market segments they service, such as Medicare or Ancillary. For Warner Pacific, we service:

• Small Group Medical
• Level Funded Medical
• Large Group Medical
• Group Ancillary & Supplemental
• Individual & Family
• Medicare

That means Warner Pacific assists brokers who sell products in these segments.

Technology Solutions

As part of their services, General Agencies generally provide technology to help meet their brokers’ business needs.

For example, Warner Pacific’s brokers can freely use these proprietary tech tools:

• PRO Provider: Search, compare, refine and rank insurance providers.
• PRO Census: Securely and directly upload census information for quoting.
• PRO Apply: Help your groups’ employees quickly and securely enroll in coverage.
• PRO Quote: Create tailored quotes that address your clients’ specific needs, evaluate options.
• Carrier 411: Find the latest carrier underwriting guidelines and quickly retrieve answers to questions.
• Document Toolkit: Gather carrier-specific documents for multiple effective dates with ease. **Availability of technology tools vary by state.