our approach

Risk Management…

It’s Bigger than Just Insurance!

For far too long, the insurance industry has only offered you a choice of just two risk management strategies:

1) Transfer the Risk (You buy insurance)


2) Retain the Risk (You don’t buy insurance and pay for it out of pocket if something goes wrong).

The unfortunate part of this is even some of the insurance agents (sales persons) don’t even understand this.  We believe there is a third option that fits right in the middle

3) Avoid or Reduce your risk.

Sounds like a no brainier huh?  It does, however the issue occurs when you don’t even know there is a risk.  If you don’t know there is a risk, how can you avoid, reduce or transfer it?

This is where our Beacon24™ diagnostic process comes in.  We have broken the process into Six different core areas to focus on. Each one able to stand on their own, yet most effective when coordinated together.6 Beacons

Each core beacon starts with the first step…

  1. Consult -just like a doctor talking to you for the first time when you are sick, we also have to learn about your situation and concerns.
  2. Diagnose – we take the information we receive from you and determine your illness that needs to be treated, in our case your risk that needs attention
  3. Plan of Treatment – this stage has many parts starting with the following questions:
    1. Can the risk be avoided or reduced?
    2. Can the financial impact of the risk be retained, if not at what level will it be too much to handle?
    3. Can the financial impact of the risk be transferred to an insurance company?
  4. Monitor the Plan – This is the implementation of the plan and ongoing monitoring of it to maintain effectiveness.

4 step process

P.S. Did you notice that insurance was not a part of the process until step 3 part 3?

Insurance is a tool to help transfer the financial impact of risk that would financially destroy you.

The TRUTH IS that insurance is not the answer to every question, unlike many insurance sales people would like to believe. Not to mention all the things insurance won’t cover.

Schedule a consultation today to evaluate what your unknown risk is.

Beacon - Property Risk

Did you know 64% of homes are under-insured & may not be fully repaired if damaged?  Many people make the mistake of confusing the purchase price with the true value to replace the home or building when damaged.

Beacon - Liability

According to ISO estimates that about 20 percent of people who do purchase insurance buy the minimum liability coverage and others estimate approx 15% don’t have it at all.  But what if you hit a patch of ice and are determined to be at fault and don’t have enough insurance, the job of the plaintiff’s lawyers is to track down the assets you have now and the ones you may accrue later.  In most cases for an extra $6 – 15/ per month you can get an extra $500,000 to $1 Million in coverage.

Beacon - Medical Risk

It’s no secret that the cost of medical care is skyrocketing year after year.  There is a reason why it is so expensive, however this is one area where paying for does not necessarily mean you get more. Whether it is individual health insurance or a type of Medicare supplemental program, schedule a conversation to develop a plan that is right for you.

Beacon - Disability Risk

Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.

12% of the total American population are classified as disabled.

Whether it is paycheck protection while you are still working or Asset protection while you are retired, Disability & Long-Term Care planning is critical in managing the disability risk.

Beacon - Life Risk

Did you know 50% of the US Adult’s don’t have adequate Life coverage?

3 in 10 American households are under insured?

You can get some coverage for as little as $11-$20 / mo.

Beacon - Outliving Your Money

One in four 65 year olds today will live past age 90, while one in 10 will live past age 95

The average healthy couple will spend $377,000 on healthcare in retirement

The time to start planning is now to minimize the fear of running out of money in retirement.

how can we help you?

Contact us at the nearest Beacon Point Office to you or schedule a conversation online.

Thank you so much for all of your help with finalizing my health insurance. It appears that I’m all set now. I couldn’t have figured all that out without you. Thanks again,

Julie Smith

We had the pleasure of recently moving our personal insurance to Charlie Harrison at Beacon Point Insurance Group after being with a large group insurer for over 30 years. We had forgotten how nice it is to be able to work with a reliable, friendly and knowledgeable agent that has our interests at heart. I would recommend Charlie and his agency to all.

John & Tamie Owen

The transition from old insurance company to Beacon Point was very smooth. My advisors are so nice and helpful with the questions I had and an added bonus is we are saving money on our policies. Thank you for being so kind and professional.

Alicia West

Anyone interested in saving some money on home and auto insurance, give my friend Travis Gensler a call. I got quotes from several insurance companies and he beat them all! He is very professional and took care of everything in just a matter of days.

April Brown

My friend and now Advisor, Travis Gensler just saved me almost $900 a year just on my auto!!!

Teresa Bardwell-Saenz

Dear Travis – Thank you for all your help. I can’t believe you cut my premium in half. You’re awesome.

Marie L.

Thank You so much for helping us pick out our health insurance and prescription coverage after we retired. I will get in touch with you if we need anything else. By the way, I have told several of my friends about you. Thanks!

Gerald & Garnett Rinehart

Travis was great to work with. He answered all of our questions and didn’t pressure us to sign up with him. He gave us time to look over the materials and check with other companies to compare. I would recommend him in a heartbeat.

Ed & Carol Roth

Travis was very helpful in explaining Medicare Supplemental Insurance to me. He was extremely expeditious in getting my policy in place. AND, he saved me a considerable amount of money over the premium I was being charged by my former insurer

Sandra Harper

Travis helped us with our insurance needs from across the country while we were setting up our company and relocating long distance. His assistance was invaluable in answering all of our questions and meeting our needs.

Lauren Wendlandt
Owner, frameworkdesign

Being a new business owner, and not knowing what to do, I greatly appreciate the time and energy Travis put into helping me understand how the coverages worked for me and my business. It makes a difference when someone takes the time to do a thorough exam of ones needs.

Brenton Brown
Owner, Bootleggin BBQ

My experience was and still is wonderful! Travis helped us reduce our monthly premium payments for insurance which allowed us to take the difference and start up a Roth IRA with him to save for our retirement. That is not even to mention the other exclusive programs he has for us.

Josh Brown

I had talked to several other agents who were either not knowledgeable or did not take the time to explain my options to me. We told Travis what we wanted to accomplish and he brought us several options to choose from, one of them was a solution we had not even thought about. Travis was thorough and exceeded my expectations. He did an excellent job.

Corey Bott

What I liked about working with Travis is that we were not pressured into making a decision right away. He provided us options to choose from, but also gave us his opinion on which one he felt was best for us and why. It is nice to work with someone who is looking out for our best interest in the long-term. We will never use anybody else.

Andrew & Olivia Powell

Travis, this is long overdue. I just wanted to say thank you for helping me with my insurance from the Health Insurance Marketplace. I hope I don’t have problems next year. If I do, you will see me. Thanks!

Phyllis Monteer

Really appreciate all you do to help with insurance. You save me a lot of money and help me understand my coverage.

Carolyn Manzo

Thank you for the time you took with me last week working through my healthcare options. Your honest opinion about staying on my work option because it was better for me is greatly appreciated.

Pam Barrett

I want to thank you for your assistance. Travis I cannot express how much I appreciate you and the time you spend with your clients, always doing the right thing going above and beyond. Job well done!

Tanya Peck

My new company has to be the best company I have ever dealt with as far as claims. Only took 15 minutes for them to look at my car and give me a rental. Farmers still has not got a hold of their insured.

Mark Paxton