John M. Word III is renowned for transforming the California insurance broker’s role in the small group health benefits marketplace through his pioneering technological and marketing advances since 1972.
John Word’s belief that benefits administration and underwriting need to be simplified and streamlined for all consumers underscores his ongoing efforts today to find the next solution, the next innovation, and the next market niche.
Together with Edward J. “Rusty” Brown, Jr., John co-founded the Word & Brown General Agency in 1985 to market and distribute health plans through California’s huge brokerage community. By 1986, the company was recognized as the largest independent small-group health distributor in the nation. That same year, Word & Brown launched the nation’s first COBRA administration operation, sensing that employers needed assistance and qualified support with federal COBRA laws.
John and Rusty launched CaliforniaChoice®, a groundbreaking private health insurance exchange, in 1996. The enterprise enables small businesses and their employees to select from multiple health plans within a single program.
A highly sought-after speaker and collaborator, John has authored numerous articles, conducted classes, and delivered keynote addresses to vast audiences. His professional credentials include Chartered Life Underwriter (CLU), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC). In 2022, John received the Harold R. Gordon Memorial Award as one of two persons honored by the National Association of Health Underwriters (now known as the National Association of Benefits and Insurance Professionals).
He has served as President of the California Association of Health Underwriters (CAHU), President of the Orange County Association of Health Underwriters (OCAHU), and Chair of the National Association of Benefits and Insurance Professionals (formerly NAHU) Leading Producers Roundtable program.
John Word is a graduate of William Jewell College in Liberty, Missouri.