Insurance 101:  Insurance is Complicated, Understanding It Shouldn’t Be Photography by Diana Schmitt, Accent Portraits by Diana

Insurance 101: Insurance is Complicated, Understanding It Shouldn’t Be

Dec 26, 2016

They say those who can’t do, teach. But they also say that while we teach, we learn. In fact, Seneca said that. The Roman philosopher Seneca. (Not Seneca Crane from the recent Hunger Games films.)

So which is true? Stephanie Frisch hails from a family of teachers. And she would have to agree with Seneca. “I’m always learning. I want to know everything there is to know.” In the world of insurance, the demand is high for those who are dedicated to teaching the consumer, rather than taking them simply as a commission.

What do you really know about your insurance policies? Has anyone ever sat down and explained insurance to you in a way you really understood? Medicare. Prescription drug coverage. Covered California individual family plans. The chances are about as slim as Katniss escaping the Hunger Games alive. As the owner of Insurance 101, Stephanie is taking an industry norm and turning it on its head.

“I come from an all-teacher family. I learned a long time ago how to properly and thoroughly inform my clients. And I believe that a personalized, caring approach is what it takes to garner trust with folks who at a base level, have no idea what the terms are, or what the provisions of the plans mean.” Specializing in senior needs - such as Medicare plans and prescription drug plans for South County residents, Stephanie is faced with unique situations daily. “As the demand grows for this type of ser- vice, I find that my successes lie in earning the trust of my clients. The actual business is just one factor. Caring for the whole person is the key.”

Her old-school approach is unrivaled. Rarely does a broker find the time to spend one-on one with a client, let alone achieving any sort of true human interaction in the world of text messaging, multi-password online applications, and automated 800-number customer service recordings.

“I keep contact information and notes from past conversa- tions with all of my clients. When someone calls me, I see their name pop up on my phone and I greet them personally. I love helping people, and bringing a personal touch to the impersonal world of insurance is key. You can’t rush when you do what I do.” Having the knowledge and savvy to navigate the insurance world is one thing. Having the patience to wade through the headlines and get to the heart of the issues speaks to a deep desire to do right by her clients. “It’s my responsibility,” she notes.

Sifting through the sludge of government issues, printed articles, and healthcare propaganda is enough to drive any American toward feeling as if the premium they are really paying is in lifeblood, not dollars.

“What I provide is ‘value added’ to what customers pay in their insurance premium,” says Stephanie. “I don’t per- sonally charge for my consulting service. I’ve been told that my method of explaining insurance makes it easier to understand than any other way my clients have been told before. And I’m really trying to

help them, not sell them. I want to know everything about the products I offer to people and what is going on out there. 65 looks and acts a lot younger than it used to. They want the information that will help them be proactive about their lifestyle, and I help them find that.”

Be it working, traveling, parenting, surfing, running marathons, practicing yoga, or training for the next Hunger Games - you should be informed. If you’d like to understand your options and benefits better, Stephanie’s the one to call.

If you’re interested in learning more about what Stephanie can do for you, contact her at (949) 351-2443. If you need help with the next stage in your life or have any questions about insurance, you can count on her to point you in the right direction.