6:45 A.M.

Wake up; walk across the hall to my home office and check emails.



7:15 A.M.

Wake up my 6-and-a-half-year-old son with tickles. Get him ready for school, make him lunch and drop him off for the day.


8:00 A.M.

Run three miles and work out while checking and answering emails.


9:30 A.M.

Return call to broker needing all lines of coverage for 45 local nationals and third country nationals across 15 countries. Discuss strategy and what information is required for proposal.


10:45 A.M.

Host Web seminar training with domestic brokers on identifying and mitigating risks associated with international travel and long-term assignments for U.S. expats and foreign nationals coming to the U.S.


12:00 P.M.

Conference call with broker and client to discuss recently submitted proposal and policy details.


1:15 P.M.

Call underwriting to discuss progress of several open quotes and changes to existing quotes already submitted. Goal is to meet client's requested changes to improve premium without compromising quality of benefits.


2:00 P.M.

Begin structuring a complicated non-profit group quote in high-risk countries and war zones with local nationals and third country nationals. It is clear three to five different plan designs under once policy will be required to best accommodate this particular group. Discuss with underwriting and submit all documentation to begin the proposal process.


4:00 P.M.

Check on the status of local national individual LTD and STD policy sold and the status of receiving check and binding coverage. All is well and the employee is covered.


4:15 P.M.

Call client to discuss BTA proposal for 31,000-plus travel days. We are able to improve benefits, include war and terrorism coverage and remove monthly travel reports required by incumbent carrier while also lowering premium.


4:45 P.M.

Receive call from broker asking for assistance and guidance with international clients. This is an individual training on general risk with more specifics for each client case discussed.


5:30 P.M.

Make dinner, do homework and play with Jonathan, my son. We successfully build the ultimate fort in the living room.


8:30 P.M.

Check work and personal email and catch up with friends after getting Jonathan in bed and to sleep for the night.


10:00 P.M.

Call it a night myself and head to bed.


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