3. Raise your
EXPECTATIONS.
“Risk management” and
“employee benefits”: four
words that conjure up all
sorts of opinions. Like, boring.
Frustrating. Complicated.
Necessary evil.
We think it’s time to change
that.
We think you should be
delighted to see your
insurance agents. Because
they’re going to save you
money and find more effective
ways to protect your business
and your employees. Help
you initiate change, manage
your risks, and become a
better, smarter, more efficient
organization.
Because they care.
And because they can.
We’re MJ Insurance. We
believe it’s time for you to
change the way you think
about risk management and
employee benefits—and raise
your expectations about what
your business partners should
do for you.
4. Pushing you to
BE YOUR BEST.
1964
MJ is founded
by Michael
M. Bill, and
we open
our doors in
Anderson, IN.
Construction and
Manufacturing
practices established.
1966
Personal
Lines practice
established.
1976
We hit the
revenue
benchmark
of $1M for the
first time.
1964
1978
Employee Benefits
practice established.
1980
Transportation
practice established.
1982
Energy/Mining practice
established.
1986
Our revenue
exceeds $5M.
HOW WE GOT HERE.
MJ Insurance can help your
organization with risk management
and benefits consulting no matter
what your business. Our innovative
tools and resources give you all the
clout of a large, national firm with
all the personal attention of a local
agency. Since our clients demand
the highest standards of integrity
and transparency, we’ll never deliver
anything less.
We exist to inspire the success,
fulfillment, and wellbeing of each
person we serve: associates and their
families, business partners, clients, and
the community. And when you hire us,
we not only make your organization
better, smarter, and more successful—
we raise expectations about what your
partners should do for you.
5. 1998
We become
a member of
Assurex Global.
1998
Sorority practice
established.
2001
Japanese Business
practice established.
2005
We open our
Arizona office.
2006
1.
2.
3.
4.
5.
6.
We’re named a “Top
100 Privately Held
Independent Agency
in the U.S.” by
Insurance Journal.
2008
Named a Best Place to Work in
Indiana—consecutive wins
ever since.
2012
Our revenue exceeds
$25 million.
2014
We launch the
MJ Private Exchange,
and MJ YOUniversity.
We celebrate
our 50th
anniversary.
2014
PROCESS
INNOVATION
Discover and understand your
goals, initiatives, and objectives.
Evaluate impact
on your risk
management or
employee benefits
program.
Analyze your
current program.
Develop and
validate strategy.
Implement and
execute strategy.
Measure,
monitor,
and track
results.
6. Don’t have a good
risk management strategy?
THAT’S A BIG RISK.
Your business is constantly growing,
adapting, and changing—and so should
your risk management plan. MJ Insurance
works closely with you to make sure your
risk management strategy is aligned with
your business goals, so that you’re always
getting better, growing stronger, and
reaching your objectives.
Analyzing you.
Determining your risk means performing a
quantitative and qualitative analysis that
will help us understand your risk profile. It
also means understanding your company
at a global level—not just your approach
to risk management. This helps us tailor
the right plan for your exposures that is in
alignment with your overall strategy.
Focused on your future.
We’ll determine your historical cost of risk
to use as a benchmark for future business
decisions.
COST OF RISK ANALYSIS
By taking a look at your historical cost of
risk, we can help you make smart decisions
in the future that will help you achieve
7. your business goals. After determining
your cost of risk, you can share this metric
throughout your organization to help
influence your culture in ways that may
help make your business more profitable.
RISK CULTURE ASSESSMENT
What’s your culture of risk management,
and how has it driven your results? What
steps have you taken to initiate change,
and what investments are you willing to
make? We’ll take a close look at how you’re
controlling your risk exposure and risk
tolerance and get them aligned to where
you’re headed.
RISK MAPPING &
EMERGING RISK IDENTIFICATION
Once critical risks have been identified,
including those that are new or previously
unknown, we assess the probable
frequency and severity of the events—
and the impact they would have on your
organization.
BENCHMARKING & FORECASTING
We can help you set benchmarks internally
or externally—either by using your own
historical data to analyze trends or by
evaluating peer data using comparative
analysis. This helps us accurately forecast
future results, which is critical to ensuring
that your company is making the right
decisions as your business grows and
changes.
The right amount of risk.
There are many options for financing your
risk, and based on our risk analysis and
business conversations, we’ll recommend
the optimal strategy for you.
RISK TOLERANCE ASSESSMENT
After we understand your risk profile, we’ll
talk with you about how much risk you’re
capable of taking and willing to accept.
And we’ll also know whether your current
risk management program is right for
achieving the goals of your company.
RISK TRANSFER STRATEGY
We’ll recommend options for the transfer
of your risks that align with your ability
and willingness to accept a specified level
of risk. This might come in the form of
traditional insurance placement or one of
several alternative risk transfer strategies
that include captives/risk retention groups
(RRGs), self-insurance, and other non-
traditional insurance vehicles.
TRADITIONAL INSURANCE PLACEMENT
With more than 50 years of experience in
commercial insurance, we’ve formed strong
partnerships within our industry with
the top national and regional insurance
carriers throughout the nation. And we’ll
use these relationships to give you the best
possible insurance options for all of your
risk transfer needs.
ALTERNATIVE RISK TRANSFER
Sometimes, alternative forms of risk
transfer can be better options than
traditional insurance. We’re well-equipped
to provide consultation on these programs,
and will help you put the right option in
place, including captives/risk retention
groups (RRGs), self-insurance, and other
nontraditional insurance vehicles.
8. Whether it’s providing detail-oriented
claims consulting or being a persistent,
dedicated advocate for your best interests,
you can count on MJ to bring significant
value to your organization.
Claims consulting that moves
with your company.
Our approach to claims consulting is
cyclical—never static—because we always
need to understand where your business is
going. We monitor to ensure we’re getting
the results we intended, and we’ll always
keep our strategy aligned with your future.
MJ’s dedicated team of commercial claims
specialists offers expert knowledge and
support throughout every stage of the
claims process, minimizing the economic,
administrative, and emotional burden on
your organization.
Add value to
YOUR BUSINESS.
9. CLAIMS MANAGEMENT
• We ensure you’re using your insurance
coverage properly in the event of a
claim.
• We are persistent advocates for the
best and most expedient resolution.
• We provide continued monitoring
of claim activity, while supporting
and guiding you through the entire
process.
CLAIMS REPORTING
• We facilitate on-site claims reviews to
communicate overall quarterly activity,
disposition strategies, and reserve
development on impactful claims.
• We collaborate with our strategic risk
management team to provide loss-
trend and root-cause analysis.
PROCESS EFFICIENCY
• We can assist in the development of
processes and procedures to minimize
the administrative burden caused by
the claim process.
Persistent advocates.
You can always rely on MJ Insurance to
be by your side, because we understand
that risk management isn’t just about the
placement of your coverage once a year:
Questions and issues that need immediate
attention arise daily.
COMPREHENSIVE PLANNING
Our risk analysis, claims management,
and risk financing teams work together
to create your overall strategic plan. We’re
experienced in our individual crafts and
understand how each one affects your plan
holistically. It’s thoughtful customer service
that’s at the heart of everything we do.
ALWAYS THINKING AHEAD
As your risk management partners, you can
rely on us not only to respond promptly to
any questions or concerns you might have
but to stay out in front of changes in your
business and ours.
10. MJ Insurance won’t just address the needs
you have today. We’re constantly looking
down the road to make sure you have the
right benefits program for the organization
you’re going to become.
Making the data work for you.
Our comprehensive, forward-thinking
approach to analytics is the foundation
of our benefits consulting practice. We
have the experience and the proprietary
analytics tools that will make sure you’re
always getting the most from your benefits
strategy.
And because we have extensive experience
integrating and analyzing claims and
biometric data, you can leave the analysis
to us—and focus on growing your business.
Your business doesn’t
stand still. Neither should
YOUR EMPLOYEE
BENEFITS PROGRAM.
11. DATA INTEGRATION & WAREHOUSING
• We provide a secure, proprietary data
analytics and warehousing system
that consolidates all of your claims
data.
• We can integrate multiple data sources
(e.g., medical, Rx, dental and workers’
comp claims, biometric data, etc.)
• We provide you with financial and
clinical reporting.
INSIGHTFUL ANALYTICS
• We will forecast your future risks
with plan modeling and clinical risk
analysis, allowing us to implement
appropriate mitigation strategies.
• We will provide a detailed multi-level
claims analysis, plan design modeling,
and cost trending/forecasting.
• We also provide an employee
contribution analysis and onsite clinic
analysis.
Healthy employees =
a healthy business.
Employees in poor health don’t just cost
you in terms of direct medical and drug
benefits—they also cost you productivity.
We’ll help you create an employee wellness
program that can significantly reduce
your healthcare expenditure while
driving higher morale and a more positive
workplace culture.
A HEALTHIER YOU
• Our approach to wellness isn’t a
program but a process that begins
with a deep understanding of your
unique work environment.
• We will give you an assessment
of historical and current wellness
offerings.
• We will identify your future wellness
goals, formulate and execute your
strategy, and help you monitor,
measure, and track results.
ONSITE & NEARSITE CLINICS
• Onsite and nearsite clinics can help
you manage costs and improve
efficiencies.
• We will give you a feasibility analysis,
conduct a market analysis of clinic
management companies, and help you
implement the process.
• With over a decade of experience in
onsite clinic consulting, we know the
proper strategies to maximize clinic
utilization.
WELLNESS SOLUTIONS
• The MJ Wellness Team will work
with you to integrate your wellness
program, eliminating the hassle of
working with several vendors.
• We will help you integrate an
incentive-based wellness program,
with educational seminars and online-
driven solutions—plus comprehensive
analysis.
12. Benefits consulting can be a complex issue,
so we want to make sure that you and
your employees understand your total
benefits package. That means being clear,
effective communicators, and making the
information simple for you to understand.
EMPLOYEE COMMUNICATIONS
To help you communicate benefits clearly
and consistently, we can provide branded
content and communications to your
employees, which include:
• Custom benefits booklets
• Educational videos
• Enrollment support
• Web portals
• Consumer advocacy resources
• Total compensation statements
PRIVATE EXCHANGE
Through MJ’s private exchange, we provide
a cost-effective solution and help reduce
We make benefits
CONSULTING SIMPLE.
13. the administrative burden to employers.
This gives employees the freedom to
choose the best plan for their needs—we’ll
even give your employees decision-support
tools to help them make the best choice.
• We offer both self-funded and fully
insured plans.
• We give you the ability to choose a
defined contribution or defined benefit
strategy.
• We offer prepackaged portfolios of
medical and ancillary benefits.
• We offer plans to fit any budget,
with recordkeeping support,
and marketplace business data
integration—all from a single source.
Compliance, covered.
Healthcare regulations are constantly
in flux. We take care of your compliance
needs so you can focus on the needs of
your business.
HEALTHCARE REFORM AND LEGISLATIVE
UPDATES
New healthcare laws can be overwhelming,
so we give you the tools and information to
help you understand how they impact your
business. We’ll let you know what you need,
when you need it.
• This mean reviewing PPACA analysis,
reporting requirements, and fees and
penalties.
• We’ll keep you up to date with
regulatory requirements through
email, webinars, seminars, legislative
briefs, and through the MJ website
archives.
EMPLOYER RESPONSIBILITIES
We give you the resources you need for
day-to-day management of your benefits—
and we’ll find the best solutions to simplify
your administrative workload through
5500 reporting, summary plan descriptions,
FMLA assistance, and ERISA compliance.
Always by your side.
You can count on MJ to be a persistent
advocate on your behalf, always striving to
create excellent experiences for our clients.
We’re well-suited to do this because of:
OUR PEOPLE
We have an experienced, committed team
dedicated to your short- and long-term
goals. We continually challenge each other
to grow personally and professionally—and
we challenge our clients to become the best
company they can be.
CARRIER RELATIONSHIPS
We’ve maintained relationships with
the country’s leading carriers for years,
giving you access to the most innovative,
customizable plans available. We’ll
represent you with a strong voice in the
insurance marketplace, and find you a
package that takes into account your needs
both today and tomorrow.
CLIENT SERVICE
We take an active approach to client
service, so we can help prevent issues
before they become a problem. And you
can rely on us to be a day-to-day advocate
for your best interests.
14. We recognize the importance of strong
leaders, which is why we emphasize that
each one of our associates—no matter
their level of experience or time with the
company—should be a leader in their given
area. Our company is full of resourceful,
motivated people who collaborate as
leaders on common ground, all playing
different but equally important positions
on the team.
By having a culture focused on continually
sharing, learning, and educating, we
constantly get better at what we do. It’s
a critical aspect of our business given
the changing landscape of the modern
insurance world—because the knowledge
we gain is passed on to our clients, helping
them manage risk, improve efficiency, and
be more successful.
The culture of MJ Insurance can best be
described by our five passions, which help
empower our associates to be their very best in
both their personal and professional lives:
PERSONAL DEVELOPMENT
Perpetually strive to become the best
version of yourself, both personally
and professionally.
SYSTEMS FOR SUCCESS
Commit to develop and follow best
practices that are repeatable and
efficient in order to achieve your desired
results, both at home and at work.
We create opportunities for our employees—
AND BRIGHTER FUTURES
FOR OUR CLIENTS.
15. You deserve the best. Call us.
Every great company has a vision. Ideas about where they want to be five, ten, twenty years
from now. Sometimes the path is clear; sometimes the ambition is clear, but the path is
unknown.
Our goal at MJ isn’t to sell you insurance. It’s to help you become better at what you do—today,
tomorrow, and years from now. We constantly challenge you to be your best, and we do it by
carefully listening to you, staying innovative, and making sure you reach your goals—no matter
how ambitious they might seem.
We make sure you have the right pieces in place as you grow and change. And we watch your
back to keep surprises from stalling your progress.
We think you deserve the best. We’re ready to help you succeed in every big—and little—way we
can. We’re ready to start right now.
INSPIRING LEADERS
With passion and commitment, place the
interests of others ahead of your own
by committing to daily behaviors that
positively influence those around you.
EXPONENTIAL EFFECT
Engage with others in ways that will
ignite their passion and inspire them
to act and influence others in a similar
fashion.
FUN
Happiness is a choice. Bring your
sense of humor and desire to have
fun to work with you every day.
