Insurance Revolutionized

Episode 3: Insurance for All - How Ruby Ulloa is Working to Close Cultural Gaps

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Ruby Ulloa is a Business Development Specialist at Savoy Associates based in South Florida. She has over two decades of experience in insurance and employee benefits in 44 states. Her expertise includes group benefits life cycle management, benefits and 401k communication, broker training and development, specialty benefits, spending accounts, ben admin systems, and business and individual market consulting. Advocating for minority communities and coaching Hispanic benefits and insurance professionals is one of her greatest contributions to the industry. She believes that effective benefits and insurance communications require addressing cultural gaps. Ruby is a member and volunteer of Females & Finance, a national organization for financial services professionals to share valuable insights and establish key connections, NABIP where she is a CE instructor, and Junior Achievement whose main purpose is to inspire and prepare young people to succeed. She’s a CE bilingual instructor, licensed in several states, a Communications Associate from Miami Dade College, and currently obtaining CEBS through the University of Pennsylvania, ACA, AHIP, CMS, and HIPPA. Ruby was featured in the Spanish language magazine Vida y Exito and best-selling Author Tony Steuer's Podcast.

Key Takeaways:

  • Cultural inclusion - Working to bridge the gap so everyone has the same understanding and opportunities (to purchase) as everyone else.
  • Serious business - What we do, our recommendations, and what we share with people impacts their lives and also those that depend on them. It's not only a solution for the present, but sometimes the legacies clients leave behind for their families.
  • Always be learning - Value mentors and always be building business connections. Innovation sparks curiosity. Find pride in learning about your niche and the clients you serve.

    • Key Moments:

    [0:02] Who is Ruby?

    [1:40] What sparked the desire to become an Insurance Agent?

    [5:25] Taking time to get to know clients better

    [10:14] Shifting from money-focused to value-focused

    [14:41] Cultural differences in benefits

    [19:31] Importance of knowing your audience

    [24:31] Knowing your niche and industry

    [27:45] Nurturing clients with different cultures and backgrounds

    [32:01] Educating employees about employee assistance

    [37:07] Ruby's advice for someone who wants to become a Broker


    Follow Ruby Ulloa:

    Email: [email protected]

    Facebook: https://www.facebook.com/SavoyAssociates

    Website: https://www.savoyassociates.com


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    Insurance RevolutionizedBy Cheree Sauer