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Let’s talk about the distribution of health insurance. So if you’re Aetna, United, Cigna, Blue Cross and Blue Shield, how do you get your product to the consumer if you’re doing group insurance? The first thing I want to say is that they use the agency system to sell and service their products.

So, unless you’re a very, very large group, thousands and thousands of lives, you kind of just can’t call up Blue Cross and Blue Shield or UnitedHealthcare and say, “Hey, will you quote my group?” You use a health insurance broker in order to provide that service. So, we sell and service, all of those insurance carriers.

We represent all of them and we bring you the best, the best quotes from all of the different providers on behalf of those insurance carriers.