Put on your shades and brace yourself for a dazzling Medicare supplement sales opportunity that's so stunning it'll get your full attention.

Your time to shine starts soon. With each Med Supp sale you make from May 1 through July 31, you're not just brightening your sales outlook — you're one step closer to winning one of these sparkling cash rewards:

Your business can also help you earn additional rewards in the Broker Bonus program and counts as credit toward the Marketing Credits program and a Mutual Sales Leaders trip. Shoot for the stars and light up the Med Supp charts by earning the maximum reward of $5,000 during the program period!

Introducing Final Expense
A new life product from Allstate Health Solutions

This new plan helps your customers take control of their end-of-life expenses. The total cash benefit is paid to their beneficiary, and they can use it any way they see fit. 

Final Expense offers two plan levels: Graded¹ and Level. Plans offer customers the ability to choose their own benefit level in $1,000 increments.

Please note:
It is highly encouraged to read the Allstate Health Solutions Anti-Money Laundering Communication document before you start selling Final Expense.

The Cost-of-Care Study Results Are In

Every year, Mutual of Omaha conducts a cost-of-care study in all 50 states, and the results are in. The cost of services continues to rise and the average cost for a home health aide is over $70,000 a year.

They've updated their cost-of-care tools to reflect the changes in price and to help producers guide the conversation about how clients intend to pay for their long-term care.

Resources for Long-Term Care Sales:

• Cost-of-Care Sales Ideas - Share the Cost-of-Care Overview and Home Health Care Sales Idea with producers to equip them for powerful conversations with clients, including links to the materials that can be used.
• Cost-of-Care Calculator - See the current cost of LTC services by state and view what those costs might be 5, 10 or 20 years down the road.
• Cost-of-Care Brochure - Use this brochure to help your clients understand the current cost of LTC services in their state.

Retirement Plus Multiplier^® (RPM) Annuity Highlights:

• 5-, 7-, & 10-Year Durations
• 7.00%, 7.50%, 8.00% Compensation*¹
• Inherited IRA Compatible
• 5.00% Fixed Interest Rate**
• 11.5% 1-year S&P 500^® Point-to-Point Cap Rate Index Strategy**
• 50% 1-year S&P 500^® Point-to-Point Participation Rate Index Strategy**

*All product recommendations must be prioritized in the consumer’s best interest.
**Rates as of 1/1/2024 .

What Phase is Your Client In:

Whether your client is currently accumulating their wealth, preparing for retirement, or in retirement, RPM may be a helpful addition to their retirement strategy.

 Prepare
RPM offers attractive interest rates to help clients accumulate more value while preparing for retirement.

Protect
RPM's 0% floor³ helps clients protect their hard-earned assets. 

Enjoy
RPM allows clients to take advantage of the upside and protect against the downside related to market volatility.

Download our helpful guide to deepen your understanding of selling Dual Special Needs Plans to seniors. This essential resource is tailored to help agents like you navigate the complexities of these plans, highlighting key strategies for effectively reaching and serving the senior demographic.

Whether you're new to this segment of Medicare or looking to refine your approach, our guide provides valuable insights and practical tips to enhance your sales techniques and improve client engagement. 

The Breakdown:

• What is a Dual Eligible Special Needs Plan?
• Who Qualifies for D-SNP?
• What are the Related Medicaid Eligibility Categories?
• D-SNP Type Definitions
• D-SNP Enrollment
• Where to Find D-SNP Prospects
• What is the D-SNP Disclaimer?
• Is the D-SNP Market Right for Me?

This resource is packed with actionable insights and proven strategies, covering everything from Cash flow, Cost per acquisition (CPA), Lifetime value (LTV) and more.

With PSM Brokerage's expert advice and support, agents are well-equipped to take their operations to the next level.

Join PSM Brokerage now to offer a robust portfolio of Medicare Plans, Life Insurance and Annuities and leverage the expanding market demand.

If your sales skills are top-notch and you have a focused, goal-driven mindset, you're precisely the partner we're seeking. We provide robust leadership, advanced sales tools, effective sales strategies, dedicated training, outstanding mentorship, and beyond.

Working with PSM Brokerage (PSM) offers a unique opportunity for insurance agents focusing on the senior market.

As a reputable FMO, we provide:

• Unparalleled access to a wide range of products, including Medicare Advantage, Medicare Supplements, and other senior-focused insurance plans from leading carriers.
• A comprehensive support system, which includes personalized training and mentoring that empowers agents to excel and grow in their careers.
• Direct commission payments from carriers, ensuring that agents are rewarded promptly for their hard work.
• Ownership of your book of business, allowing for long-term client relationships and sustained growth.
• Added perks such as exclusive access to cutting-edge quoting and enrollment tools, discounted leads, free marketing services, and website development.
• Agency building support as well as succession planning ideas, and exit strategies.

Joining forces with PSM Brokerage means becoming a vital part of a collaborative and thriving community of agents. This unique community is deeply committed to mutual support, sharing knowledge, and fostering an environment where everyone can excel.

Our Mission:

We nurture, educate, and assist our agents in every way possible. We are relentless in our dedication to bring value and go above and beyond expectations. We provide best-in-class service and do it with a smile. We conduct ourselves with integrity and honesty.

We develop a culture of success with team members and agents to inspire them to reach their full potential. We will create an environment that serves our goals using honesty, humor, and humility.

We are the home for high-producing agents and high-value agencies. The fruits of our hard work are visible daily as we continue to grow and attract higher production and lasting relationships.

If you're an agent interested in taking your career to the next level and eager to thrive, we want to hear from you. PSM Brokerage is committed to empowering agents with the tools, training, and community support needed to succeed. We offer a collaborative environment where your growth is our priority, backed by a suite of resources designed to maximize your potential.

Contact us today to explore how we can work together to achieve your goals and make a meaningful impact. Reach out to become part of a team where success is shared, and every agent is valued.

PSM Brokerage was founded in 2006, in Austin, Texas. In the intervening time with almost two decades of experience, PSM has grown to a nationwide footprint, with a mission to empower agents to honestly and ethically help people live longer, healthier and more financially secure lives.

When your customer chooses Final Expense, they reduce the potential financial impact of their death on loved ones. This plan pays the total cash benefit to their beneficiaries to use any way they need, such as for funeral costs, credit card debt, or medical expenses. There’s more to Final Expense than a cash benefit on a policyholder’s passing, so check out the value it can offer your customers.

Not appointed with Allstate? Request details here.

Highlights

• Easy to apply. Electronic applications with instant decision available. No medical tests or exams are required, and some benefits begin as early as day one.
• Once they sign up, the premium is the same for the life of the policy.
• Policyholders can sync up their premiums to be due the same day they receive their Social Security deposit.
• While the policy is in force, policyholders  can take a loan against the cash value of  this policy. After the first year of premiums, they earn a percentage of that back as cash value. As cash value grows, they can take out a loan over the course of a few years.

Plan Features

• Optional covered dependent term life benefit rider is available.
• Optional 100% additional death benefit rider available, potentially doubling the death benefit.

Quoting and enrolling - Log in to Agent Back Office at ngahagents.ngic.com to start your quoting process. If you are unable to quote online, call your sales team for assistance.

Please note: Anti-money laundering training is required for all agents to sell this product. Please read the Allstate Health Solutions Anti-Money Laundering Communication document on Agent Back Office before you start selling Final Expense.

THIS PLAN PROVIDES LIMITED BENEFITS. For agent use only. Not to be distributed to consumers. Allstate Health Solutions markets products underwritten by National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation.

AHS_FE_1569 (02/2024) © 2024 Allstate Insurance Company. allstate.com or allstatehealth.com

Let's put you on the map

The PSM Marketing Hub is your gateway to a carefully crafted and compliant collection of premium, easy-to-use marketing templates designed by our marketing team with your needs in mind.

Royal Neighbors of America’s Single Premium Whole Life (SPWL) is a product that offers a simple concept for positioning the value of life insurance in a wealth transfer sale. By purchasing SPWL, your clients can increase the amount they leave to their loved ones.

May be suitable for a client where:

• There is a need for life insurance.
• The client has lump sum available.
• The client has established an additional emergency fund.
• Funds have been earmarked for the purpose of transferring wealth to beneficiaries.
• The client is looking to maximize her/his legacy.

Financial needs met by the product:

• Permanent life insurance with a guaranteed death benefit
• Wealth transfer
• A way to increase the funds your clients leave to their beneficiary

Target market:

• Clients ages 45–80 who are looking for a way to protect their life through insurance while maximizing the legacy they leave their loved ones

#1 Riders not available in all states. See also the “Available Rider” section.