Whether you were referred to this site by your Health Insurance broker, Tarkus Mossberg, or are an interested Financial Advisor, a missionary, or a church body that would like to raise up a missionary for your congregation, we welcome you to this website. There is a paragraph below pertaining to each of you and at the bottom of this page is Tarkus' picture and contact information. My hope is that we can provide some value to each of you! 


Health Insurance Clients

If you are a potential health or travel insurance client you will probably go straight to the tab called "Health Insurance," or "Travel Insurance," and choose the company Tarkus suggested from the drop down menu. Feel free to navigate that particular health insurance company's website and know you can review plans, get quotes, and apply right on the site you are brought to, which is a dedicated web page just for Tarkus' clients. Tarkus will have a telephone appointment with you to discuss your options, answer your questions and help you navigate the confusing world of health insurance here in the U.S. or abroad. 

The Travel insurance is done through one company and offers many different types of travel insurance such as short and long term trip health insurance, missionary workers insurance, and even ship's crew member insurance. This travel insurance is available to anyone.

Healthy Mission's whole business model is that Tarkus partners with Financial Advisors to be their subject matter expert in the area of Health Insurance. If you were referred to Tarkus through your Advisor, rest assured he will do everything he can to give you accurate and honest advice. He will get paid through the commissions of the products you purchase. This is his agreement with the Advisors he partners with, so he is happy to help you if he can, even if you don't do business with us! :-)  

If you become one of Tarkus' clientele you will be happy to know that any commissions he generates from your health insurance premiums may go to fund missionary work overseas. So by default you are funding Missionary work overseas without spending an extra penny! I think that's pretty cool. :-) 

Partnering Financial Advisors

Tarkus' business model is to develop strategic partnerships with financial advisors, and help them provide the highest level of service to their clients in the area of health insurance. He only provides advice on health insurance so there is no conflict of interest with other financial products. The advisors that get the most value by partnering with him usually focus on comprehensive wealth management, and typically partner with other advisors in the area of health, property & casualty, planning, tax advice, legal advice, and maybe even life, disability and long term care insurance.

Tarkus has been a fully licensed financial planner, up in Los Angeles, with his series 7 and 66 licenses, and has provided health insurance to clients (individuals and companies) in the state of California for the last 8 years. He also spent 5 years providing coaching, training and accountability to financial advisors located all over the globe with Bachrach & Assoc. He did this for 5 years in San Diego. He brings a wealth of experience in the Financial Planning world having worked with over 500 advisors in every kind of broker dealer environment. This along with an MBA in services marketing; he hopes to share his expertise with the advisors he partners with.

Tarkus has co-led a Crown Ministry's bible study, participated in a Crown "Business by the Book" bible study, and been familiar with Kingdom Advisors for 5 years. He is the proud father of a 15 year old little girl and enjoys trying to raise her in the Word. He is planning his wedding with Autumn Fehlhaber in May 2011 and currently getting his Master's degree in Biblical Counseling from the Master's College up near Los Angeles. His primary volunteer ministry is working with people recovering from drug and alcohol abuse and he has worked in this field voluntarily and professionally for the last 21 years. Currently he serves on the Board of Directors of the largest treatment center in San Diego: The McAlister Institute, and serves as the Public Relations/Marketing committee chairperson.

His long term vision and goal is to donate 100% of the commissions he makes from health insurance to missionaries overseas, and if the Lord wills, he will be one of those missionaries.  The tab "Financial Advisor Team" lists those advisors that he is currently partnering up with. Since all of his "clients" come from the advisors he works with, he is not in a position to refer his clients out to other advisors. His goal is to work extremely close with a total of 30 Financial Advisors and no more, so he can give them and their clients the highest level of service imaginable. He does almost all his business over the phone with clients and has extensive experience with managing these kinds of relationships so as not to waste a client's time while communicating clearly and effectively. He doesn't do any mass marketing campaigns, and solely relies on referrals from his advisors so his time is not consumed with marketing activities, but rather.... just helping the advisors and their clients. Please consider partnering with him to increase the level of service you provide to your clients.


Aspiring Missionaries

If you are considering missionary work overseas, or know that you have already been called to the mission field and would like to talk to me about building up a recurring revenue stream that will be used to fund your missionary work overseas, please read our statement of faith and if you like what you read please contact me directly at the phone number or email address below. I look forward to speaking with you directly. 

This opportunity is directed to American Missionaries wanting to go overseas, for now, as we are not clear on all the various Health Insurance models worldwide. The first way we can support you is if you refer your family and friends, who are business owners, to us and we become their "Health Insurance broker on Record," 20% of the commissions we receive each month can go directly to the missionary you support! For example, if you have a small business that pays $5K/mo for health insurance for your employees (About 15 employees), then I will send $70 each and every month for as long as I am the broker on record for your firm! I guarantee you the best service and also am focused on building the kingdom by supporting your friends overseas!

Secondarily, you may also want to refer other seminary students, or other would be missionaries, to us that would like to be part of Healthy Missions. Essentially the prospective Missionary would get licensed to sell Health Insurance in their state. It will probably cost them about $100-$200 to take a pre-licensing class and this is 40 hours of in class training over a full week M-F (In California). Upon completion of this class, then the agent would take the state examination and that would be another $200-$400 in fees. Once licensed, they would need E&O insurance coverage and that might be around $45/mo. At that point they are ready to learn about different Health Insurance companies, their products, and how to find clients. You would learn the difference between selling health insurance to an individual and selling a group health insurance plan to a small business.

Healthy Missions would partner with you to introduce you to the various parties in the health insurance industry whose job it is to make sure you are successful. You would find prospects through your circle of influence, friends, and church members. Health insurance is an easy product to sell because if someone is looking for it they are grateful to talk to you. If they are not looking for it you're not going to convince them they should have it. So there really is no selling. All you have to do is be knowledgeable, have integrity, and place the client's needs first and you will be able to help the people you come in contact with. Hopefully you will be able to get some referrals through your Church.

If you are able to communicate your plan to be a missionary and that you want to provide a quality service of Health Insurance, people will seek you out if they need it. 

My guess is you would need a window of 3-4 years to build up a revenue stream that would fund your missionary journey. You can expect to generate about $2,000 to $6,000 per month. 

One question is how the clients will be served while you are overseas. For one, Healthy Missions will have a customer service rep on staff to support your clients if they have questions. Two, you will be only a phone call away (and internet). Most questions can be address via the phone and internet. Currently I provide 100% of my service via this method.
 
You can expect that 10%-20% of your business will decline each year. It could be lower if your clients are believers and are supporting you overseas. They will at least give you an opportunity to find a better plan for them.

To figure out how many clients you will need, the average monthly commission for a individual (or couple) is $25-$100/month. So at $50/mo you would need 100 clients to generate $5,000/mo.  If you have a small business of 23 people your monthly commissions could easily be $750/month. If this was the case you would only need 10 of these clients to generate $7,500/mo. 
 

Church Body and Pastoral support

If you are representing a Church Body or are a Pastor that would like to raise up a missionary in your church, we have a business model whereby over a period of 2-4 years, your young aspiring missionary can build a health insurance business that will fund 25%-100% of his missionary work overseas.

As a pastor, you have the unique ability to bring your Church Member before the congregation and publically support him in his efforts to head overseas in the future. If just 10 of the small business owners in your congregation used him as their Health Insurance broker, he would be well on his way to funding 100% of his monthly expenses overseas, as well as enough to provide support for his local Church overseas, and all this would be funded without any additional donations from your congregation!!!!

The monthly premiums your business owners ALREADY pay would be used to fund his journey. All the business owner has to do is sign a one page "Change of Broker" letter, and your missionary would start getting the monthly commissions! 

Another thing you can do is to introduce me to your Pastor or Elders so I may come out to your church, share this vision, and build a future army of missionaries that are fully funded!!!!! I believe that when business owners, seminary students, and families find out how purchasing health insurance from a seminary student, at their church, will completely fund their overseas journey, they will be excited to help!


In Conclusion

I hope you review our Vision and Goals on the next tab, as it explains what we are trying to do, why, and by when. Here is a little Quote I enjoyed as it spoke to me personally: