Insurance Consultancy

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The Balance Point Insurance Consultancy, est. 2017

Balance Point is in a unique position when it comes to the broker community. We do not sell insurance on any level, so we do not compete with brokers. Since the beginning, we have been committed to partnering with brokers and have invested people and resources in order to nurture and grow the relationship.

One such initiative is the Balance Point Insurance Consultancy. The Consultancy is a forum to identify current topics and trends that affect our industries so we can better support our mutual clients.

Download the free 2017 Insurance Consultancy Summary


Carolyn Andress

Carolyn Andress is Vice President of Employee Benefits with HUB International Northeast, a leading full service global insurance brokerage. Carolyn is responsible for new business development and strategic planning for employee benefits programs. She is an active member of the New Jersey Association of Health Underwriters (NJAHU), where she currently serves as Vice President. She is also the Immediate Past President of their Monmouth Ocean Chapter and a recipient of the NJAHU President’s Award in 2015.





Philip CohenPhilip Cohen is President and Employee Benefits Advisor for Broad Reach Benefits. Since 1984, Philip has been working with employers all across the country helping to design, implement, monitor and service employee benefit programs. He built Broad Reach Benefits from the ground up to respond to the specific needs of employers and their HR departments in this market segment. Philip is a graduate of Binghamton University.





Ellen PurcellEllen Purcell is Vice President of New Agency Partners, where she concentrates primarily in the benefits marketplace. She has assisted clients with 401k, life, and long-term care insurance needs. She brings expertise in benefits planning, administration and compliance. In addition, she analyzes how an existing plan can be improved to be more competitive within an industry or how to reduce operating costs without losing the tremendous value provided by a quality insurance plan. Licensed in multiple states, Ellen continues to service her clients throughout the country. She is passionate about developing long-term relationships with her clients built on a foundation of quality client service.




Gerard PurcellGerard Purcell is Vice President of New Agency Partners, where he concentrates primarily in the Commercial and Personal Property & Casualty marketplace. He has assisted clients ranging from small business, middle market, and national accounts with insurance solutions involving loss control, risk management, and traditional risk transfer. Licensed in many states, Gerry continues to service clients throughout the country. Although he considers himself a generalist, he has extensive experience working with law firms, golf clubs, and the hospitality industry including stand alone and franchised restaurant chains.





Steven RadespielSteven Radespiel is President of the Insurance Center of North Jersey, Inc. Steve has been with the agency since 1984 and over the years has risen from producer to agency owner. The agency offers personal, commercial and professional insurance coverage to consumers in NJ, NY, PA and CT. Steve serves as a Vice President for the Professional Insurance Agents of New Jersey, a trade organization representing insurance agents and brokers throughout the State of NJ, and currently oversees the Business Issues and Insurance Company Relations committee. Steve also serves as a Director of the American Property Insurance Company located in Eatontown, NJ and offers commercial insurance coverage in NJ, SC and FL. Steve is a graduate of Ramapo College.





Paul G. SmithPaul G. Smith is Senior Vice President at IOA Northeast. Paul specializes in the design, sale, implementation, and administration of group and voluntary employee benefit programs and retirement plans. He is well versed in PPACA (Patient Protection Affordable Care Act) and has been consulting with clients on its effects to Individuals and Corporations. A Fordham University graduate, Paul holds a Bachelor of Science Degree in Marketing and Management. He is licensed for Life, Accident, Health, Property and Casualty, and maintains his FINRA Series 6 and 63 Securities licenses, and GBDS Designation.