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Insight

Insight is power. We look at your business from every perspective - strategic, cultural, operational, financial - to really understand the challenges and opportunities facing your business.

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Action

It’s about helping businesses thrive. From insights, we map out actionable steps to allow your firm to capitalize on opportunities and mitigate challenges.

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Results

In partnership with you, we transform focused action into meaningful results – enhancing your company’s ability to reach its goals. We are committed to helping your business succeed.

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Insight

Our expertise is fueled by a dedication to discovering the best way to safeguard your interests. And our experience enables us to identify risks and understand your objectives so we can customize policies and services to fit your individual needs.

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Action

We are not satisfied until you’re confident that your personal risks are understood and addressed. JMBI delivers a customized game plan, with options and opportunities tailored to your situation.

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Results

Your objectives are our objectives. So we provide unique solutions and continuous support to attain your personal and financial goals. At JMBI, we work tirelessly to deliver the results you demand.

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Client Success Story

Reducing Costs on State License Surety Bonds

Situation

A prospect came to us with $3,000,000 worth of state license surety bonds, which were complicated by being placed with 3 different insurance carriers.  They were also paying a substantial rate and had to personally guarantee the bonds.

Insight

Through our knowledge of the industry and carrier relationships, JMBI was able to secure a reduction in the rate with NO personal guarantee for the full $3,000,000.

Action

Once we presented our proposal to the prospect, their existing broker countered with two options that reduced rates for both guaranteed and non-guaranteed.  We were able to provide a more advantageous rate reduction with no personal guarantee with a single carrier for $2,000,000 of the line and then an equivalent reduction in rate and no personal guarantee for the remaining bonds with a separate carrier

Results

The insured was very unhappy with the prior broker who only responded with an alternative proposal once they were going to lose the account and the client had been substantially overcharged (by about $12,000/year).  They accepted the JMBI proposal to reduce the carriers to two; pay a lower rate (which saved them over $12,000 a year) and no longer had to provide a personal guarantee for the line.

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Client Success Story

Planning for the Future with Long Term Care Insurance

Situation

After doing some significant review of their financial retirement plan, our client and their financial advisor came to us interested in implementing the foundation piece of their retirement planning. The client’s eldest child was in college already and given their circumstances, goals, and in concert with their financial planner, they decided on purchasing both life and Long Term Care (LTC) Insurance.

Insight

JMBI’s embedded expertise in the life and LTC markets along with our access to numerous carriers positioned them well for achieving the best rates possible for their circumstances. Our team also has knowledge regarding the nuances in underwriting someone for these similar yet vastly different types of insurance.

Action

In preparation of our analysis, we identified the most important features that their LTC plan would need, such as the ability to keep up with inflation increases and utilize a shareable bucket of money. Following successful life underwriting, the LTC underwriting initially had different results. However, by having the expertise to gather the necessary information and taking the time to understand their medical history and lifestyles, we were able to refute the initial decision and advocate a more favorable underwriting decision.

Results

By gathering the necessary information and understanding the drivers of our client, we were able to successfully negotiate a competitively priced offer.  Ultimately given their young age, they will be able to double their benefit and expand $1.5 Million of potential benefits into $3 Million at the time they need care.

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Open-quote

At JMBI, we live by the credo "Insight. Action. Results." We approach our clients from their business perspective – by understanding their goals and objectives. Each client develops their own "roadmap", or course of action that considers micro and macro factors – from global economic conditions to sector specific anomalies or client specific situations.

By partnering with our clients, JMBI ensures the risk management plan mirrors and supports their overall strategy. Our strong business perspective supports our clients' management of risk.

Ken Sacks

Co-Chief Executive Officer

Matthew W. Horwitch

Co-Chief Executive Officer