As part of our ongoing "Getting to Know Your Local Businesses"
series, we sat down this week with Robert O’Farrell, owner of RMO
Benefits.
Tell us a bit about your business: What does your business offer, and how long have you been around?
As an independent insurance broker, I provide insurance solutions for individuals, families, and small businesses. 
Through
my partnership with Healthcare Solutions Team and LEB Insurance Group, I
offer private health insurance, group benefit packages, Medicare
supplemental coverage, cancer/critical illness and accident coverage, as
well as short-term medical and healthcare sharing options. I make every
effort to advise my clients on the best plans to meet their budget and
coverage needs. My primary mission is to help my clients with something
that can be very confusing and overwhelming and make it as effortless
and pain-free as possible.
In 2017, I started my own insurance brokerage, RMO Benefits, to offer my clients a broader range of insurance solutions.
How did you decide to get involved in this line of work?
For
over 20 years, I enjoyed selling and managing sales teams for various
capital and medical equipment corporations. But I wasn’t exactly what
you would call “fulfilled.” I really wanted to do something that allowed
me to make a difference for others. Thus, I switched to working in the
insurance industry.
After working in the insurance industry for 2
years, I decided to become an independent broker and leverage my
business-to-business and sales background.
I love working with
people and having the ability to make their lives a little easier by
identifying their specific needs and creating solutions that maximize
their insurance coverage, while staying well within their budget. As an
independent business owner, I also love spending more time with my
princess, my eight-year-old daughter Mina.
Tell
us a couple of things that you are proud of in your business. What are
you known for? What separates you from the competition?
I take
great pride in helping people every single day. People are often
frustrated with the high premiums and deductibles, which have become the
norm with insurance since the Affordable Care Act was implemented.
I
especially love to help people save money on their healthcare plans.
Recently, I was able to save a family $1,400 a month on their premiums.
In this economy, that makes a big difference.
My clients don’t
want to spend hours on hold and dealing with the confusion that comes
with policy issues. On my client’s behalf, I go the extra mile to
troubleshoot with the insurance carrier. I’m proud that I can provide
the help my clients need and that they can then focus on their jobs and
spend more time with their families.
What is your favorite part of running this business?
I
really appreciate the flexibility of my schedule. Since my schedule is
flexible, I can meet the needs of my clients by offering evening
appointments. I understand that many of us must work around our kid’s
schedules.
My relationship with my clients is especially important
to me. I treat my clients like family, and I have forged many new
friendships through my business.
I also enjoy helping business
owners figure out how to insure themselves. From personal experience, I
know how hard it is to find my own coverage as a small business owner.
Anyone self-employed has great insurance options. I also have solutions
for companies with 5 to 100 employees.
Who is your ideal customer/client? Who do you serve best?
Our
ideal customer is any individual or business owner who has an issue
with their health, life or cancer, critical illness, and supplemental
insurance coverage and needs help figuring things out to get the best
affordable solution.
If you get laid off, I can look at your
situation objectively. I’ll save you money and make sure that you have
the exact insurance coverage that you need. You can see the doctor you
prefer, go to the facilities you desire, and cover the prescriptions you
rely on.
Is there any other information you'd like your potential customers/clients to know about your business?
I
am licensed in thirteen states and partner with several prominent
insurance carriers, such as Blue Cross/Blue Shield, United Healthcare,
Aetna, Humana, Philadelphia American, National General and more. I
mainly work through referrals. If a friend or family refers me to a
state that I’m not already licensed in, I will add that state to assist
them in getting the coverage that meets their needs.
To read testimonials, schedule an appointment, or reach me, visit our website at
RMOBenefits.com. To message me and learn more about our insurance solutions, visit our
Facebook page.
How do you see your business growing and improving over the next couple of years?
I
am so pleased with how much we have grown over the past year, and I
look forward to further expanding my team to ensure my clients continue
receiving the superb customer service and attention that they deserve.
I
look forward to networking with people again as the country begins to
open back up. I love working from home, but I also can’t wait to start
meeting in person. I’m also ready to be active again with the East
Montgomery and West Lake Chambers of Commerce and other networking
groups.
To learn more about RMO Benefits, visit our profile at
Atascocita.com.
