Editor's note: Benefits Selling's Broker of the Year finalists will be revealed Monday-Friday this week. Meet our third finalist.

Given the complexities health care reform has delivered to the benefits market, Debbie Gilbert, owner and president of Innovative Insurance Solutions in Grapevine, Texas, no longer sees herself as a traditional broker.

Instead, Gilbert says she plays the role of consultant as her clients depend on her expertise to guide them through the evolving legislation. Of course, there are traditional broker tasks Gilbert still delivers, such as quoting, but it's her knowledge and client education efforts that provide an especially strong value during this time of uncertainty.

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