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Company History
Who we are
BHC e-Service is a Strategic Business Unit of BHC Marketing (The Annuity Pros), a full-service national insurance wholesaler established in 1988 and headquartered in The Woodlands, Texas.
BHC e-Service was designed for experienced insurance professionals who operate with little assistance from marketing companies or carriers.
BHC is licensed in all states and offers the best-selling annuities from major carriers.
The e-Service Business Unit is unique in two ways:
- producers receive the highest commissions allowed by
carriers PLUS extra e-Credit$ incentives with every sale;
- support, forms and product information are available online 24/7.
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BHC e-Service's Internet operating platform means fewer employees and lower costs, yielding the highest allowable commissions and the industry’s most generous incentive program, Perks Plus
with e-Credit$ awarded on every sale. Everything producers need is available online — from forms, applications, products and supplies to sales tools and compensation tracking. And, we provide a way for producers to securely maintain sales and commission records online. Our live support, toll-free telephone line and fax supplement our around-the-clock online self-service.
The BHC e-Service Business Unit is designed for the experienced professional
that is self-reliant.
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How BHC e-Service began
In 2001 BHC’s founder, Lee R. Howard, recognized that independent,
self-resourceful producers willing to obtain their primary support
online could benefit substantially from an Internet-based
wholesaler. Howard realized that lower operating costs and fewer
employees could allow the industry's most generous and flexible
incentive programs for producers. Howard reasoned that an
e-Service Business Unit would be an extremely low-cost provider.
These low operating costs, in turn, would allow producers using BHC
e-Service to participate in a generous and flexible incentive plan,
funded by wholesale profits, without endangering overall
profitability of the e-Service Business Unit.
Made possible by the universal adoption of the Internet as a way of life,
BHC e-Service has successfully evolved into a viable business model. Producers who no longer want
or need extensive service and support find e-Service attractive compared to traditional distribution methods.
BHC e-Service was a good idea that has proven successful and is right for many producers
who are experienced and self-reliant.
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About BHC's founder
Lee Howard's insurance career began in 1979 as a Rookie of the Year agent in Minneapolis. In 1982, he expanded his practice to include securities and joined a financial planning firm, where he earned numerous production awards and received widespread industry recognition. In 1985, Howard founded a Minneapolis-based Registered Investment Advisory firm and operated it successfully until 1988, when he started BHC Marketing.
Currently, Howard is the Chief Executive Officer of BHC Marketing.
Howard is a frequent contributor to industry publications and the creator of several marketing system tools that are widely used by producers nationwide, including The Complete TRFA Marketing System©, 10 Painless Steps to a Worry-Free Retirement©,
Opening Doors with Reverse Mortgages, and Alternatives to LTC
Insurance.
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About the President of BHC e-Service
Shelby Smith joined BHC in March 2003 and assumed the day-to-day
responsibilities of the e-Service Business Unit. Prior to
joining BHC, Smith served as advisor to the company from the conception of the
e-Service business model created by Lee Howard. Smith has an extensive background in banking, insurance, and brokerage and financial services marketing. Smith holds a Ph.D. in economics from Iowa State University as well as several insurance and brokerage licenses. Smith was the founder and CEO of one of the first marketing companies to offer insurance and brokerage products nationally through financial institutions. He has been the chief executive officer of several banking organizations and served two terms on the board of directors of the Federal Home Loan Bank of Dallas. Smith is a frequent contributor to trade publications and a speaker at industry conferences.
Currently, Smith is President of BHC Marketing and directly
responsible for the e-Service Business Unit.
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