<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=302779086974399&amp;ev=PageView&amp;noscript=1"> Medicare Blog | Medicare News | Medicare Information

Medicare Blog | Medicare News | Medicare Information

Sell Medicare Plans Over the Phone - Telesales for Medicare Plans

Posted by www.psmbrokerage.com Admin on Thu, Mar 30, 2023 @ 04:32 PM

Medicare Phone Sales Opportunity-1

The Medicare market presents a significant phone sales opportunity for insurance agents. Here are some reasons why:

Large and growing market:
According to the Centers for Medicare & Medicaid Services, more than 61 million people were enrolled in Medicare in 2020, and this number is expected to grow in the coming years as the baby boomer generation reaches retirement age.

High demand for supplemental coverage:
Medicare covers many medical expenses, but there are still gaps in coverage that can leave beneficiaries with significant out-of-pocket costs. As a result, there is a high demand for supplemental insurance coverage, such as Medicare Advantage plans, Medigap policies, and prescription drug plans.

Convenience for beneficiaries:
Many beneficiaries prefer the convenience of purchasing insurance over the phone, as it allows them to compare plans and enroll from the comfort of their own homes.

Opportunity for cross-selling:
Selling Medicare insurance over the phone can also provide an opportunity to cross-sell other insurance products, such as life insurance, long-term care insurance, and annuities.

The Centers for Medicare & Medicaid Services has strict rules and regulations governing the marketing and sale of Medicare insurance products, including specific requirements for phone sales. However, with proper training and compliance procedures in place, agents can successfully navigate these regulations and grow their business.

PSM has teamed up with YourMedicare ℠ to bring you a revolutionary new Medicare enrollment platform to write more Medicare business. With our all-inclusive platform, you can sell Medicare Advantage and Part D plans on your terms.

Quote and enroll your clients online with our free platforms - View details

In summary, the Medicare market presents a significant phone sales opportunity for insurance agents, with a large and growing market, high demand for supplemental coverage, convenience for beneficiaries, opportunity for cross-selling, and compliance regulations in place to ensure ethical and responsible sales practices.

Source: https://chat.openai.com/ 


Tags: Medicare Advantage plans, Online Enrollment, Success Tips, medicare supplement insurance, online sales

10 Traits of a Successful Insurance Agent

Posted by www.psmbrokerage.com Admin on Thu, Mar 30, 2023 @ 04:03 PM

10 Traits of a Successful Insurance Agent-1

Here are ten traits of a successful insurance agent:

  1. Strong communication skills: Successful insurance agents must be able to communicate effectively with clients. They must be able to explain complex insurance products and services in a way that is easy for clients to understand.

  2. Persistence: Insurance sales can be challenging, and successful agents must have the persistence to overcome rejection and keep pushing forward.

  3. Customer-focused: Successful agents are customer-focused and understand the importance of building strong relationships with clients. They listen to their clients' needs and provide solutions that meet those needs.

  4. Strong work ethic: Insurance agents must be self-motivated and have a strong work ethic. They must be willing to put in the time and effort required to build a successful business.

  5. Adaptability: The insurance industry is constantly evolving, and successful agents must be able to adapt to changes in the market and the industry. They must be willing to learn new skills and embrace new technologies.

  6. Attention to detail: Insurance products and services can be complex, and successful agents must pay attention to detail to ensure that clients receive the right coverage for their needs.

  7. Ability to build relationships: Successful insurance agents must be able to build relationships with clients. They must be able to establish trust and credibility with clients and work collaboratively with others.

  8. Analytical skills: Insurance agents must have strong analytical skills to understand complex policies and coverage options. They must be able to evaluate clients' needs and recommend the right products and services.

  9. Professionalism: Successful agents must maintain a professional demeanor at all times. They must be reliable, ethical, and trustworthy.

  10. Resilience: The insurance industry can be challenging, and successful agents must have the resilience to overcome setbacks and keep pushing forward. They must be able to handle rejection and stay motivated to achieve their goals.

In summary, successful insurance agents possess a range of skills and qualities that enable them to build strong relationships with clients, adapt to changes in the industry, and provide valuable solutions to meet clients' needs.

Source: https://chat.openai.com/ 



Tags: Success Tips

Scaling Your Medicare Business

Posted by www.psmbrokerage.com Admin on Mon, Mar 27, 2023 @ 03:15 PM

How to Scale Your Medicare Business

How to Scale Your Medicare Business

What does every agent have in common? They all want to write more business.

Anyone who has been in the industry for any amount of time can tell you that increasing your production isn’t something that just happens. You have to plan and work to make it happen.

There are numerous paths you can take to grow your business, and what’s right for you depends on your personal preferences and goals.

Today I don’t want to talk to you about how to grow your business, I want to talk to you about some key principles you will need to consider when coming up with your business plan.

I’m going to share with you what factors the largest call centers and agencies in the country focus on to make sure they are running a successful business.

To start with we need to quickly go over the three most important factors in an agencies business. Cash flow, CPA, and LTV.

  • The first one should be fairly obvious. Cash flow is the net amount of cash transferring in and out of a business.
  • The second, CPA stands for cost per acquisition. This refers to the average amount it cost for you to get a policy issued.
    • CPA is broken down into two sections. Media CPA and fix cost CPA.
      1. Media CPA is the average amount you spend on leads or marketing to acquire a sale.
      2. Fixed cost CPA refers to everything else.
    • For an individual agent the fixed cost part is simple but if you plan on hiring additional agents it is more complicated. There will be additional factors to consider.
      1. How much did you have to pay that agent for the sale?
      2. Are you paying admin to follow up on policies or to handle phones?
      3. Office space, computers, dialer‘s, licensing fees, etc.

It’s imperative that you're be able to calculate your total CPA because you need to make sure it is lower than the third key factor, lifetime value or LTV.

  • LTV is simply the average amount of commissions you earn over the life of a policy.
    • This will vary from agency to agency based on many factors. If you know your LTV and your CPA you know how much total profit you are going to make for every client you put on the books.
    • An important thing to keep in mind is we are talking about “LIFETIME” value. Major companies don’t judge the profitability of their business on just what they make the first year and neither should you.
    • As long as your LTV is higher than your CPA you are making profit.
      1. If it cost you $300 to acquire a policy and the first year the commission is only $200,it may at first glance look like a bad investment.
      2. But if the LTV on that policy is $1000 over the course of five years then you came out way ahead. You paid $300 to profit $700, it just took you five years to realize those profits.

Too often I talk to agents who are hesitant to invest in their business because they are only looking at first year profit margin. You are running a business and just like any other business you are going to have to invest in it to see it grow.

Download the guide in PDF here.

Scaling Your Medicare Business 2

Now that we know how to calculate how much business it will take to reach your goals we need to talk about your budget. Your budget is how much you have to spend on your business.

  • This could be renewal commissions, savings or even a bank loan but without a budget of some kind you won’t be able to scale your business.
  • Maybe you’re an established agent who is looking to increase your sales by a few policies a month and your budget is $200 per week.
  • Maybe you’re looking to build out a 15 person call-center and your budget is 1.5 million per year. Whatever it is, you need to have it defined and make sure it is available to be used as needed for leads and marketing.

Once you’ve got your budget squared away it’s time to consider the management side of starting an agency. The hardest part of running an agency is managing agents and managing leads.

  • Even if you’re looking to just grow your personal business this still applies. You need to make sure you have enough leads coming in that your agents can hit their sales goals and remain happy.
  • You also need to make sure that you always have enough agents available to work the leads you are purchasing.
  • For example, let’s say you decide to run a five man call-center and purchase each of your agents 20 leads per day.
    • You now have 100 leads coming in per day. What happens when two of them call in sick?
    • Are you keeping their work days so full that they can’t absorb the extra 40 leads you purchased?
    • For you individual agents, do you have a plan to pause your lead generation for times when you are out of the office?
    • It’s important to plan and find a balance that keeps the agents busy with leads but doesn’t over expose your business.

Scaling Your Medicare Business 3You also want to have procedures in place to make sure that you are getting the most out of your leads.

When I say this most peoples minds immediately go to selling techniques and how to close more sales.

Often it’s more effective to focus on solidifying the sales you are already making to reduce attrition.

If you can reduce the percentage of clients who leave you yearly from 15% down to 5% then you will most likely see more profit from that than you would by increasing your closing percentage.

Here at PSM we focus on Medicare advantage so I’m going to use that as an example but this will apply to any product line.

  • First, align your agents with how the agency is paid. You can bonus your agents after the rapid disenrollment period is up and charge them back if a client disenrolls during that period.
    • The idea is that the agent gets paid when the company does and charged back when the company does. This pushes the agent to not only write cleaner business but also to engage in post sale activities ensuring the business stays in force.
  • Second, you want to have sales presentation monitoring procedures to make sure your agents are following proper procedures. Make sure they are looking up doctors and drugs on every presentation. Make sure they are assigning a PCP on every call. Make sure all compliance requirements are being met. And make sure they are doing an Health Risk Assessment on every call.
  • Third, you  want to have a plan for post sale activities. Follow up with your clients when the policy is issued and then at regular intervals. 30, 60, 90 days and then again every six months or so. Make sure they know how to use their plan and if they are happy with it.

By doing all of this you will drastically increase your placement and persistency rates. Placement and persistency are vital to your success. You spent the money to acquire these clients so you need to make sure you keep them.

So far we’ve covered the key factors you need to consider when planning to scale your business. How to maximize commissions, managing your leads to workforce ratio and how to calculate the profitability of your business using LTV and CPA.

The last thing I want to leave you with is how to calculate the value of your business using a ratio. This simple method will give you a snapshot of the overall health of your business model.

  • Take your LTV and divide it by your customer acquisition cost, or CAC. CAC is similar to CPA but measures placed policies rather than submitted policies.
  • For Medicare advantage this will be any policy that clears the rapid disenrollment period. For many of you this will be the same as your CPA but for telesales models you’re CAC will be higher than your CPA.
  • If your LTV to CAC ratio is 1.0 or lower that’s bad. You are only breaking even because the LTV is the same as what you are paying to acquire that policy. Aim for 3.0 or higher. This means you are profiting twice as much as you invested.

If I told you I’d give you $300 tomorrow for every hundred dollars you give me today you would take that deal, right? Of course you would.

That’s all I have for you today. I hope that you are able to take some of this information and apply it to your own personal situation. And more importantly I hope you do take the chance, invest in your business and realize your goals.

If you have any questions or want to talk about how to best scale your business please give us a call at 800-998-7715 and ask to speak with one of our marketing directors. We’ll be happy to take the time to go over any of this in more detail and can even run a personalized calculation for you on what kind of ROI you can expect.

Thanks for your time and have a great day.

Download the guide in PDF here.



Tags: Agency Building

Allstate: Important change to your customers’ Medicare Supplement plans

Posted by www.psmbrokerage.com Admin on Mon, Mar 27, 2023 @ 02:50 PM

Please do not reply to this email, this inbox is not monitored.


Tags: Allstate

Customer Profile Enhancements in YourMedicare SunFire

Posted by www.psmbrokerage.com Admin on Mon, Mar 27, 2023 @ 02:34 PM

yourfmo update

SunFire is excited to announce some upcoming enhancements to our existing customer profile page, including the BEQ Lookup and Needs Assessment, available starting April 4th, 2023. 

The enhancements are targeted to: 

  • Increase BEQ lookup adherence to validate customer information and ensure data is prefilled on the enrollment form
  • Improve metrics around adding Doctors (additional focus on "primary doctors") and Drug Cabinets completions during the needs assessment
  • Increase speed with updated APls for adding Doctors and Medications
  • Reduce the number of clicks on the page and clean up redundant pieces of data

There is also a new Customer Opportunities page, which will serve as the place for Agents to see available  opportunities for the customer outside of the enrollment. 
(Currently displays if VBC is enabled) 

 Check out the details



Tags: Medicare Advantage, phone sales, SunFireMatrix, Telesales

Important Notice For Agents Conducting Telephonic Enrollments

Posted by www.psmbrokerage.com Admin on Wed, Mar 22, 2023 @ 02:43 PM

Important Notice For Agents Conducting Telephonic Enrollments-1

Important Notice

It is essential that agents are aware of CMS and Carrier expectations when conducting telephonic enrollments. Doing so not only protects the client, but also protects the agent from corrective action.

Please review the information below and ensure these elements are covered during a telephonic sale to remain compliant and to protect clients.

1.) Review the Summary of Benefits prior to completion of the enrollment:

Agent Must:

 Complete the SOB (Summary of Benefits) per approved script requirement.
  Accurately answer all additional questions asked by applicant or their legal representative
 Provide accurate information on plan details described.

2.) Read all required disclosures for the determined plan of interest:

Agent Must:

 Read all relevant disclosures as outlined in CMS approved script (i.e., verbally or via IVR(INTERACTIVE VOICE RESPONSE)) and collect agreement/understanding. This will include disclosures listed in the application (i.e.: pop up, required statements)

3.) Accurately complete the caller's application and review the following: 1) contact information, 2) payment options, 3) language preference, and 4) alternate format election:

Agent Must:

  Provide the plan name
  Advise of the plan's effective date
Confirm the beneficiary is ready to complete the enrollment

4.) Provide a compliant call closing:

Agent Must:

  Provide carrier name and customer service phone number
  Provide TTY
  Provide application confirmation number

5.) Obtain and document permission from the beneficiary prior to accessing MARx to determine eligibility on their behalf.
Agent must obtain permission from the beneficiary to access MARx on their behalf and explain they may note details regarding the following:

  Current enrollment
  Medicare Part A & B entitlement dates
Eligibility information
Incarceration, etc...

Agents do not need to list every detail to be compliant. There may be high-level discussion information that can be viewed by listing examples.

Thank you for your continued support in upholding compliant sales practices! If you have any questions regarding this information, please contact us.


Tags: Medicare Advantage, phone sales, Telesales, Compliance

Updated Medicare Insulin Options for 2023

Posted by www.psmbrokerage.com Admin on Wed, Mar 22, 2023 @ 11:15 AM

Insulin Updates 23-1

The Centers for Medicare and Medicaid Services has created a Special Enrollment Period for people with insulin to change their Part D coverage and ensure they are not paying more than $35 each month for the insulin product.

In response to new legislation and falling prices, there have been several significant changes to Insurance coverage for insulin. 

Last fall, President Joe Biden signed the Inflation Reduction Act which included policies that cap the monthly cost of insulin at $35 and reduce the cost of other diabetes drugs for those on Medicare. 

Here’s what’s now in effect.

Caps on insulin costs

As of Jan. 1, 2023, Medicare can’t charge you more than $35 for a one month supply of each Part-D covered insulin, regardless of whether or not you have met the deductible.

*Note: Medicare Part D is Medicare’s prescription drug coverage. This includes several diabetes drugs and insulins – including Lantus, Jardiance, Novolog, and Trulicity. 

If you use a disposable insulin patch pump, you’ll continue to get your insulin through your part D plan, and the insulin for your pump won’t cost more than $35 each month for each covered insulin product. The pump is not subject to the $35 cap and may cost more than $35. 

If you do pay more than $35 for any month’s supply of insulin between January 1, 2023, and March 31, 2023, your Part D plan must reimburse you within 30 calendar days for the amount you overpaid. (Plans have until March 31, 2023 to update their systems to make sure you’re not charged more than $35).

Extended enrollment period for Medicare Part D coverage

The Medicare Plan Finder can help you compare and choose prescription drug plans. However, because the Inflation Reduction Act was signed after the premiums and copays were set on the Medicare Plan Finder, the $35 insulin copay cap was not included.

Because of this, the CMS created a Special Enrollment Period for people who use insulin; people on Medicare can change their Part D coverage until Dec. 31, 2023. 

If you use a covered insulin product and decide you’d like to be in a different Part D plan for 2023, you can change your coverage one time between now and December 31, 2023. Call 1-800-MEDICARE if you take insulin and want to change your plan. Your true out-of-pocket costs will carry over from your old plan to your new one.

Low-income benefits

Medicare beneficiaries who make between 135% and 150% of the federal poverty level ($18,347 to $20,385 for a single person) can access additional discounts through the Extra Help program. Starting in 2024, people who are eligible will have a set, low out-of-pocket cost for each prescription. This could save people an average of $300 a year on out-of-pocket costs, according to government estimates. 

For more information on how the Inflation Reduction Act could lower healthcare costs in your state, click here.

You can also learn more about Medicare’s coverage and insulin costs at https://www.medicare.gov/coverage/insulin.

Source: https://diatribe.org/updated-medicare-insulin-options-2023 



Posted by www.psmbrokerage.com Admin on Tue, Mar 21, 2023 @ 02:57 PM


Increase your sales with the right attitude

As a marketing firm, we get calls everyday from agents looking to better one aspect of their business or another. One of the most common questions we receive is “What are your top producing agents doing and how can I replicate it?" 

This is a good question and an understandable one. As an agent you are trying to build a business for yourself and are looking for ways to make that business more successful.

The answer to this question is simple, however it isn’t usually the answer the agent is hoping for. There isn’t a perfect lead source or infallible script.

After speaking with thousands of agents over the past 15 years I’ve noticed what separates the top producing agents from the rest of the pack is attitude.

This is great news because changing your attitude is free. It takes time and discipline but it doesn’t take any money.

When I speak of attitude I am not talking about simply smiling and being friendly when speaking with your clients. Top producing agents have three key attributes that defines their attitude.

Key Attributes:

  1. They have the drive to make their business as successful as possible
  2. They care about their reputation personally and professionally
  3. They genuinely care about their clients

If you ask any high-volume producer how they write so much business, their first answer is going to be that they work really hard.

As an independent agent you don’t have a boss. You don’t have someone telling you what to do or when to do it.

Most importantly you don’t have anyone checking to make sure you did what you were supposed to do when you were supposed to do it. You have to act as your own manager, setting a daily schedule and following it.

Top producers have the mindset that they are running a business and this means that they section off their day and know what they are going to be doing and when they are going to be doing it.

For example, if you have blocked off the first half of your day to call leads and the first person you call purchases a policy from you, it is easy to say “I’ve made my sale for the day” and move on to something else.

This is a mindset that many agents fall into. The best agents don’t have that attitude though. They know that those leads they purchased work best when they are fresh and that they have allotted that portion of their day to calling those leads.

They don’t give themselves an easy out or allow themselves to slow down because of an early success.

As an agent you have to have the attitude that you are going to drive yourself to be as successful as you possibly can. You must outline standards and practices that will make you successful and hold yourself accountable to those without exception.

reputationReputation is something that I have noticed that all high-level agents value. Your reputation not only generates referrals for you but it also directly impacts your persistency.

Whether you are selling face-to-face or over the phone your reputation is important. It is vital not only for your business to be successful but also for you to be happy and confident in what you are doing.

When you know that your clients and your peers respect you and the way you conduct your business you will have more confidence in yourself.

That confidence will translate through in every interaction you have and you will see clients more willing to trust you and an increase in sales.

Managing your reputation is simple, but not always easy. You will need to make sure that you are consistent in your approach and apply the same high level of standards to every client interaction.

You can and will have bad days. You can’t let those bad days be visible to your clients. Your reputation is dependent on you being professional and pleasant during every interaction.

Establishing and maintaining your reputation will take a little personal reflection and effort but you will see an increase in sales and job satisfaction.

Finally, genuinely caring about your clients is paramount.

I have never spoken with a high-volume producer who didn’t have a clear passion for making sure their clients were taken care of fully. Your clients are trusting in you to help them make a decision that directly affects their health and finances.

You have a duty to make sure that their best interest is at the forefront of every decision you make. Those clients need to know that you care about their health as much or more than they do.

Seniors get post-card after post-card every month from agents who can sell them a policy. You aren’t just selling them a policy. You are giving them peace of mind. You are protecting them.

You are listening, advising and befriending them. Once you start really connecting with and taking a true interest in the well being of the people you serve you will notice a much stronger relationship with those clients.

Your sales will increase, your persistency will increase, your referrals will increase, and the fulfillment you get from helping your clients will increase.empathy

I realize everything I’ve said to you today is basic common sense. Work hard, present yourself well and care about others.

We’ve all heard these principles our whole lives. They are simple, they are basic and they are what we try to teach our children on a daily basis.

They are also the qualities that people respect the most and look for in others. The highest producing agents we speak to don’t have any magic secret that helps them write more business.

Yes, they invest in their business, organize well and are great sales people. But their real key to success is they work harder, more professionally and with more empathy than the average agent.

Their clients see them as a friend to trust and depend on. Your attitude will directly impact your success in this or any industry and the good news is it is free.

Thanks for your time today. As always if you have any questions over any of this or the industry in general please reach out to one of our marketing directors at 800-998-7715.

We are happy to talk insurance and look forward to speaking with you.



Medicaid Redetermination - Assisting Members impacted by loss of Medicaid Status

Posted by www.psmbrokerage.com Admin on Fri, Mar 17, 2023 @ 03:28 PM


What you should know

  • Annual Medicaid redetermination was paused during the Public Health Emergency (PHE)
  • February 1, states can begin their Medicaid Redetermination Process, with the potential for Medicaid disenrollment to start April 1, 2023
  • Each state determines when their redetermination process will begin
  • Impacted beneficiaries will be notified by the state approximately 60 calendar days prior to their disenrollment effective date from State Medicaid

What this means for you

  • You can prepare for Dual Eligible Members to complete the redetermination process for continued Medicaid Coverage 
  • Dual Eligible Special Needs Plan (DSNP) members, who are found to be ineligible for Medicaid coverage, will need Agent assistance to obtain new coverage and maintain continuity of care
  • Non DSNP members, whose eligibility level changes, may also require a plan review to ensure they’re still on the plan best suited for them

Please remind impacted DSNP members of the following:

  • Confirm contact information is up to date with the state
  • Watch for mail from the state requesting additional documentation
  • Respond to any request from the state promptly and within deadlines


  Important Resource: Medicaid Redetermination Resource Document

Related Article: https://www.psmbrokerage.com/blog/10-things-to-know-about-the-unwinding-of-the-medicaid-continuous-enrollment-provision 



Tags: Medicare Advantage, Medicare-Medicaid, Special Needs Plans

LifeShield: An Exclusive Med Supp and DVH Combo Opportunity

Posted by www.psmbrokerage.com Admin on Tue, Mar 07, 2023 @ 03:39 PM

LifeShield blog-3

Give clients the freedom to choose. With this bundled solution from LifeShield, producers and clients can enjoy a unique and exclusive Medicare Supplement and Dental, Vision, and Hearing (DVH) combo sale opportunity with more benefits and more freedom – meeting clients' financial and coverage needs.

Become a LifeShield agent today and start providing your clients with unbeatable coverage at an affordable price.

10% Multi-Product Discount -
This multi-product discount is applied to the DVH plan when combined with an approved Medicare Supplement policy*.

Competitive Rates With Great Commissions - PAID DAILY - Policyholders can enjoy market leading rates across Plans F, G, and N, while producers can enjoy a great commission rate that’s PAID DAILY.

A Seamless eApp Experience - Point-of-sale underwriting decision notification for clean apps and declines, with 48-hour turnaround for referred underwritten cases.

Combo Sale approved in 19 states w/ more coming soon!

Medicare Supplement Highlights:

LifeShield's Medicare Supplement plans allows clients the freedom to choose the plan that best meets their financial and coverage needs without being restricted to a network provider.

  Provide clients with a plan that holistically meets their needs.

 Freedom to choose any physician or provider who accepts Medicare

 Premium charged will not change during the first year of coverage

 Guaranteed renewable

 7% Household Discount**

 Simple eApp – minimize the paperwork

Dental, Vision, and Hearing (DVH) Highlights:

  • Guaranteed issue and guaranteed renewable
  • Preventive dental care coverage from day one
  • Choice of flat or vanishing dental insurance deductible*
  • Vision and hearing discount plans help costs of care that may not be covered by Medicare
  • Generous benefit limits available up to $5,000

Become a LifeShield agent today
and start providing your clients with unbeatable coverage at an affordable price.


LifeShield National Insurance Co. is an Oklahoma City-based life and health insurance company, and a member of the LifeShield National family of insurance companies. Together with its affiliates Individual Assurance Company Life, Health, & Accident, and Life Assurance Company, LifeShield has been protecting families for nearly 50 years with affordable life, health, and accident insurance solutions to help you live the life you choose. LifeShield National Insurance Co. is rated B++ (Good), the 5th highest rating possible out of a total of 16 by AM Best, a widely recognized independent insurance industry ratings firm. For the latest rating information, visit www.ambest.com

Tags: dental hearing and vision insurance, Medicare Supplement, LifeShield

Your Digital Lab Marketing Services

Posted by www.psmbrokerage.com Admin on Mon, Mar 06, 2023 @ 07:57 AM

Your Digital Lab-1

We’re well aware that many agents aren’t all that excited about updating their website, creating content with SEO in mind, and using social media for their business.

It’s not always easy for those of us that didn’t grow up with the internet, and it can be a lot of work. But if you want to grow your business, it’s not an option to invest in digital marketing and social media marketing any longer. 

According to PEW Research, 93% of people read online reviews before making a purchase, while 62% of internet users 65 or older use Facebook.

I know, even hiring the right people to do your marketing can be a daunting task. Who do you hire, and for what? Do you hire full time or outsource it?

It’s ideal, of course when you can find a single source to help with all those needs, at a cost that is sustainable.

We are excited to introduce our new digital marketing suite of services – YourDigitalLab.

YourDigitalLab (YDL) is a leading full-service digital marketing agency for agent and advisors. They work to optimize various campaigns made specifically to deliver the results you want. YDL is the trusted choice for agents and advisors looking to drive sales and leads with online marketing.

YourDigitalLab is an exclusive service for our agents that offers different packages and a la carte services for all your digital marketing needs!

YourDigitalLab’s team of experts can help in regards to building websites, SEO, social media marketing, email marketing, retargeting ads, and more.

They can help increase your social media following by establishing your presence, to help bring in organic, high-quality leads for your business.

Research says digital ads can increase brand awareness by 80% and consumers are 70% more likely to make a purchase from a retargeting ad.

Consumers are savvy these days and it takes only about half a second for visitors to form an opinion about your website. 38% of people will stop engaging with a website if the content or layout is unattractive.

So if you are in need for these types of services, or if you would just like to take a deeper look at what some of these items can do for your business, I highly recommend a consult with the YourDigitalLab team.

They will take the time to assess your business and develop a package that caters to you and fits your need, at a very competitive price.

We’re very excited about this new exclusive offering and we hope you can take advantage of these services to help take your business to the next level.

Let’s face it, whether you’re an agency trying to scale and recruit new agents, or a business trying to grow and attract new clients, everyone and their grandmother are using social media today. And if that’s where your customers are spending their time, then that’s where you should be spending your marketing budget.

So, go to www.yourdigitallab.com quick, and check out the reasonably priced services they offer. I know you’ll be impressed, and you’ll find these services can help take your business to new heights!

Thanks for your time, and happy selling!




Introducing AFLAC Medicare Supplement and Final Expense Plans

Posted by www.psmbrokerage.com Admin on Thu, Mar 02, 2023 @ 02:32 PM

Tags: Final Expense, medicare supplement insurance, Aflac

YourMedicare SunFire Adds Aetna Medicare Supplement

Posted by www.psmbrokerage.com Admin on Thu, Mar 02, 2023 @ 02:27 PM

YM Aetna

Aetna Med Supp & YourMedicare SunFire

For quite some time now you’ve asked us to add more Medicare Supplement plans to YourMedicare SunFire. It’s still the beginning of the year and we’re already making it happen! Aetna’s Med Supps are slated to go live for agents and agencies on 3/21!

This is just the beginning, plenty more to come and we’ll keep you updated as they do!


  • Soft launch will be going live on March 21st.
  • Aetna Medicare Supplement Enrollment will be available in the following states (as they all follow the same generic, consistent form): 34 Generic states: AK, AL, AR, AZ, CO, DC, GA, IA, ID, IN, KS, LA, MI, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WV, WY

Agent Experience inside YourMedicare SunFire:

•  You can use your existing login to access the Aetna Medicare Supplement plans.
•  Choose Medicare Supplement and Aetna to see the new integrated enrollment form.

Aetna YM

  Learn more about the YourMedicare SunFire Enrollment Platform.


Tags: Aetna Medicare Supplement, Medicare Supplement, Medicare Solutions, YourMedicare, SunFireMatrix

Cigna Medicare Commissionable PDP approved

Posted by www.psmbrokerage.com Admin on Thu, Mar 02, 2023 @ 10:38 AM

Tags: Cigna, Medicare Part D

New Agent Resource - Medicare 101 Presentation

Posted by www.psmbrokerage.com Admin on Thu, Mar 02, 2023 @ 09:12 AM

Medicare 101 header

PSM believes that education and knowledge are powerful skills.

We also believe that as an organization, it is our obligation to invest in our agents' future by providing resources to help educate your prospective clients on Medicare-related topics.

To that end, we have developed a Medicare 101 presentation that can be used to assist in your Medicare sales. This presentation is CMS compliant and also can be customized with your unique branding.

If you would like more detailed information on how to plan, organize and drive traffic to a seminar please call one of our marketing representatives today.

We will work with our compliance department to provide you with a personalized seminar presentation and give you best practices on the seminar process from start to finish.

View presentation PDF

Medicare 101 slideshow


Medicare 101 presentations when utilized correctly can be an extremely advantageous lead-generation avenue, having the right partnership and strategy in place is imperative to an agent’s success in the Medicare space.

Call to speak with one of our experienced marketers and make this the best year yet!



Tags: Medicare Advantage, Medicare Supplement, Medicare Part D, CMS, Medicare Solutions

Why Sell American Amicable?

Posted by www.psmbrokerage.com Admin on Wed, Mar 01, 2023 @ 04:56 PM

American Amicable-1

Tracing its roots back to 1910, American-Amicable Life Insurance Company of Texas is a progressive special markets insurer. The Company offers innovative life insurance and annuity products developed to target the individual needs of protection, wealth creation and estate preservation.

Historically anchored on a foundation of financial integrity, responsible management, and a strong commitment to every policyholder, American-Amicable Life Insurance Company of Texas looks to the future with great enthusiasm.

American-Amicable Final Expense Product Highlights:

  • Issue ages 0 to 85 (ages vary in some states)
  • Multiple Death Benefit Plans to qualify for based on health history
  • No Cost accelerated benefits including Terminal Illness & Confined Care
  • Affordable Premiums that never increase regardless of changes to your age or health.
  • Death Benefit cannot decrease regardless of changes to your age or health.
  • Benefits are paid to your beneficiary and are not subject to federal income tax.
  • Cannot be canceled because of changes to your age or health as long as premiums are paid.
  • Accumulated Cash Value can be used for emergencies or other financial needs.
  • No Medical Exams or blood work required as part of the application process.

American Amicable is A.M. Best Rating: A Excellent. They have a strong focus on service and support which makes them very easy to do business with.

Request contracting and product details today.


Tags: Final Expense, American-Amicable

    Join thousands of insurance agents who receive weekly news updates and original articles.

    Like Precision Senior Marketing on Facebook!

    Follow Precision Senior Marketing on Twitter!

    Most Popular Posts