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Mutual of Omaha: Coming July 14 — new dental enhancements

Posted by www.psmbrokerage.com Admin on Fri, Jun 30, 2023 @ 03:07 PM

Enhancements include no waiting period, immediate coverage for major services and more maximum benefit options. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
 

Tags: mutual of omaha, dental plans

Aetna Medicare Advantage 2024 First Look

Posted by www.psmbrokerage.com Admin on Fri, Jun 30, 2023 @ 01:54 PM

Aetna First Looks

We are happy to share Aetna’s 2024 First Look is now available.

Now appointed with Aetna Medicare Advantage? Request details here.



The AEP is right around the corner and there are some exciting opportunities on the horizon for 2024. Get prepared early to ensure a successful Annual Enrollment Period. We are here to help!

Resources:

Newest Blog Posts  |  All Blog Posts

Tags: Medicare Advantage, aetna, First Looks, 2024

Cigna Medicare Advantage 2024 First Look

Posted by www.psmbrokerage.com Admin on Fri, Jun 30, 2023 @ 12:38 PM

Cigna 2024 First Looks-2

We are happy to share Cigna’s 2024 First Look is now available.

Some highlights:

  • Cigna is still on track to achieve their goal of having plans available to at least 50% of the addressable Medicare Beneficiary market by 2025.
    • Cigna will be at 45% for 2024
  • 1 new State – Nevada
  • 25 new MA counties
  • 72 new DSNP counties
  • 8 new CSNP counties
  • Add of course, a commissionable PDP for 2024

Call us for details: 800-998-7715

Now appointed with Cigna Medicare Advantage? Request details here.



The AEP is right around the corner and there are some exciting opportunities on the horizon for 2024. Get prepared early to ensure a successful Annual Enrollment Period. We are here to help!

Resources:

Newest Blog Posts  |  All Blog Posts

Tags: Cigna, Medicare Advantage, First Looks, 2024

Mutual of Omaha: Catch the Magic Incentive

Posted by www.psmbrokerage.com Admin on Fri, Jun 30, 2023 @ 09:41 AM

Catch the Magic

Magical Rewards Await You

With our Summer Sizzle program, you can earn an Amazon.com Gift Card® by doing what you do best — selling insurance!

The gift cards range from $25 to $200. Plus, you can earn a special bonus too. So, get ready to sell lots of Medicare supplement and dental coverage. Magical rewards await you.

Summer Sizzle 2023

Simply issue the required number of Med supp or dental apps from July 1 through Sept. 30, 2023.

  • Earn up to $200 for issued Med supp applications
  • Earn up to $100 for issued dental applications
  • Receive a $10 bonus for each issued Med supp/dental combo app. 

For prize details and contest rules, please download the Summer Sizzle Flyer.



Start working your magic today. Summer Sizzle — like summer itself — will vanish before you know it.

Not appointed with Mutual of Omaha? Request details here.

For Agent Use Only.

Newest Blog Posts  |  All Blog Posts

Tags: Mutual of Omaha Medicare Supplement, Bonus Program

2024 Certification Dates

Posted by www.psmbrokerage.com Admin on Thu, Jun 29, 2023 @ 03:33 PM

2024 Certification dates

2024 Certifications Dates

2024 is just around the corner so we’ve compiled a full list of certification release dates for you to have in a single spot for your convenience! 

Carrier 2024 Certification Date
UnitedHealthcare June 12th - View
Clover June 18th - View
AHIP June 21st - View
Florida Blue June 21st - View
Molina June 21st - View
Devoted June 26th - View
Mutual of Omaha June 26th - View
Humana June 27th - View
Zing June 27th - View
Lasso June 27th - View
Aetna June 28th - View
Anthem June 28th - View
Cigna June 30th - View
Wellcare July 11th - View


To keep things simple, we have organized the certification instructions and requirements for the carriers offered through Precision Senior Marketing. View here.

 

Newest Blog Posts  |  All Blog Posts

Tags: certification, 2024

Habits of Successful Insurance Agents

Posted by www.psmbrokerage.com Admin on Thu, Jun 29, 2023 @ 10:41 AM

Habits of Successful Agents - Blog Header


Habits of Highly Successful Insurance Agents

One of the most common questions we receive is, “What are your top producing agents doing, and how do I replicate it?”

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

Unfortunately, there isn’t a perfect lead source or an infallible script. A good agent will sell regardless. The question is, how. What are the successful agents doing that makes them so successful.

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, their mindset. 

A mindset can be defined as a “Habitual or characteristic mental framework that determines how you will interpret and respond to situations”.

This is really great news, because building habits that create a winning mindset is free. It takes time and discipline, but it doesn’t take any money. 


So, if that’s you’re goal, what habits do you focus on?

Well, here are 3 key habits that you can adopt, to help you build a proven mindset for success.

1.    They have the Drive to be consistent as they strive for success
2.    They have a Growth Mindset
3.    They genuinely Care about their clients 

Don’t discount them because of their simplicity. Many agents do, and that’s why they continue to ask the same questions.

Let’s dig into each of these, an pull out some take-aways that you, the agent, can use in your business:

 

1. They have the drive to be consistent as they strive for success:

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 every day, 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 inconsistency that comes out of that will really hamper your success.

The best agents don’t have that mindset 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.

Most importantly, that mindset allows them to consistent repeat that pattern day after day. 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 mindset that you are going to drive yourself to be as successful as you possibly can, and consistency is key.

You must outline standards and practices that will make you successful and hold yourself accountable to those every day, without exception.

 

2. They have a Growth Mindset:

In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work – brains and talent are just the starting point.  (Dweck 2015)

This view creates a love of learning and resilience that is essential for great accomplishment.  Virtually all great people have these qualities. 

In a fixed mindset, people believe their basic qualities, like their intelligence or talent, are simply fixed traits. This often leads to stagnation and frustration.

Agents that have a growth mindset are always learning about their industry and themselves, while trying to improve their craft.

Whether it’s learning about sales, products they offer, or technology that can help their business, they don’t stop looking for ways to improve.

This becomes a constant state of mind that quickly separates them from the masses, and propels them to the top of their industry.

 

3.  Finally, genuinely caring about your clients is paramount.

I’ve never spoken with a high-volume producer who didn’t have a clear passion for making sure their clients were fully taken care of.

Your clients are trusting you to help them make a decision that directly affects their health and finances.

Those clients need to know that you care about their health as much as they do. Your clients get post-card after post-card every month from agents who could easily sell them a policy.

You aren’t just selling them a policy. You are protecting them. You are listening, advising, and befriending them. You are giving them peace of mind. 

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 also increase. 

I realize everything I’ve said to you is not new. Work hard, continue bettering yourself, and care about others. Not exactly rocket science, right?

Unfortunately, many agents don’t understand that those simple habits put together with consistency, is what creates a winning business.

Assuming simple things don’t matter, or are beneath you, is a Fixed Mindset, and rarely leads to success. 

With the right mindset in place, your clients will see you as a dependable friend they can trust.
Your colleagues will see you as a professional, and a leader in your industry. 

Don’t underestimate the power of your mindset. Your success depends on it.

Thanks for your time, and if you have any questions, we’re happy to help.

Tags: self development

Upgrade your portfolio with all-new dental insurance from Physicians Mutual Insurance Company

Posted by www.psmbrokerage.com Admin on Fri, Jun 23, 2023 @ 04:35 PM

physicians-mutual-logo2

Give yourself and your portfolio a raise.

Upgrade your portfolio with all-new dental insurance from Physicians Mutual Insurance Company. This is real dental insurance for individuals, not a discount or preventive-only plan. It’s great coverage for your retired customers, too!

Here’s what your customers can expect from every plan:

  • 100% coverage for preventive care when they see a network dentist 
  • No deductible and no annual maximum on cash benefits
  • Immediate benefits for preventive and basic care; major benefits start after 12 months
  • Freedom to choose any dentist — and the opportunity to save more with one in our network
  • Option to add vision and hearing coverage

To request details, Please call us at 800-998-7715 or click on the link below.

learn-more-button - Cryer Pools & Spas, Inc.

For recruiting purposes only. Products/features vary by state.
PMA5915

Newest Blog Posts  |  All Blog Posts

Tags: medicare supplement insurance, dental plans, Physicans Mutual

Best Practices for Working Leads

Posted by www.psmbrokerage.com Admin on Fri, Jun 23, 2023 @ 03:46 PM

Best practices for working leads blog header

One of the most common questions we receive is, “What are your top producing agents doing, and how do I replicate it?”

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

 



Unfortunately, there isn’t a perfect lead source or an infallible script. A good agent will sell regardless. The question is, how. What are the successful agents doing that makes them so successful.

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, their mindset. 

A mindset can be defined as a “Habitual or characteristic mental framework that determines how you will interpret and respond to situations”.

This is really great news, because building habits that create a winning mindset is free. It takes time and discipline, but it doesn’t take any money. 

So, if that’s you’re goal, what habits do you focus on?


Well, here are 3 key habits that you can adopt, to help you build a proven mindset for success.

1.    They have the Drive to be consistent as they strive for success
2.    They have a Growth Mindset
3.    They genuinely Care about their clients 

Don’t discount them because of their simplicity. Many agents do, and that’s why they continue to ask the same questions.

Let’s dig into each of these, an pull out some take-aways that you, the agent, can use in your business:

 

1.    They have the drive to be consistent as they strive for success:

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 every day, 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 inconsistency that comes out of that will really hamper your success.

The best agents don’t have that mindset 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. 

Most importantly, that mindset allows them to consistent repeat that pattern day after day. 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 mindset that you are going to drive yourself to be as successful as you possibly can, and consistency is key.

You must outline standards and practices that will make you successful and hold yourself accountable to those every day, without exception.

 

2.    They have a Growth Mindset:

In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work – brains and talent are just the starting point.  (Dweck 2015)

This view creates a love of learning and resilience that is essential for great accomplishment.  Virtually all great people have these qualities. 

In a fixed mindset, people believe their basic qualities, like their intelligence or talent, are simply fixed traits. This often leads to stagnation and frustration.

Agents that have a growth mindset are always learning about their industry and themselves, while trying to improve their craft.

Whether it’s learning about sales, products they sell, or technology that can help their business, they don’t stop looking for ways to improve.

This becomes a constant state of mind that quickly separates them from the masses, and propels them to the top of their industry.

 

3.    Genuinely caring about your clients is paramount.

I’ve never spoken with a high-volume producer who didn’t have a clear passion for making sure their clients were fully taken care of.

Your clients are trusting you to help them make a decision that directly affects their health and finances.

Those clients need to know that you care about their health as much as they do. Your clients get post-card after post-card every month from agents who could easily sell them a policy.

You aren’t just selling them a policy. You are protecting them. You are listening, advising, and befriending them. You are giving them peace of mind. 

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 also increase. 

I realize everything I’ve said to you is not new. Work hard, continue bettering yourself, and care about others. Not exactly rocket science, right?

Unfortunately, many agents don’t understand that those simple habits put together with consistency, is what creates a winning business. Assuming simple things don’t matter, or are beneath you, is a Fixed Mindset, and rarely leads to success. 

With the right mindset in place, your clients will see you as a dependable friend they can trust. Your colleagues will see you as a professional, and a leader in your industry. 

Don’t underestimate the power of your mindset. Your success depends on it.
Thanks for your time, and if you have any questions, we’re happy to help.

 

 

Helpful Resources:

 

Tags: Leads, tips on selling insurance to seniors

2024 FMV Medicare Advantage & PDP Commissions Announced

Posted by www.psmbrokerage.com Admin on Thu, Jun 22, 2023 @ 09:32 AM

2024 MA Commissions

2024 Commissions for MA, PDP and referrals have been announced.

We have highlighted the 2024 document changes below. You can review the official CMS notice here. Over the last decade the National rate for MA first year and renewal commissions have increased by 50%.

MA and Section 1876 Cost Plans
Compensation Type National Connecticut, Pennsylvania,
District of Columbia
California
New Jersey
Puerto Rico, U.S. Virgin Islands
Initial Year $611 $689 $762 $418
Renewal Years $306 $345 $381 $209
PDPs
Initial Year $100
Renewal Years $50
Referral Fees
Initial Year $100
Renewal Years $25

NOTE: CMS rounded the FMV amounts for CY 2024 up to the nearest dollar. The Initial Year amount is the maximum allowable amount that organizations may pay for enrollments during compensation cycle-year 1. The renewal amount is the maximum allowable amount that organizations may pay for enrollments during compensation cycle-years 2 and beyond, for a like plan type. 

Divider

The AEP is right around the corner and there are some exciting opportunities on the horizon for 2024. Get prepared early to ensure a successful Annual Enrollment Period. We are here to help!

Resources:

Newest Blog Posts  |  All Blog Posts

Tags: Medicare Advantage, Referrals, Medicare Part D, CMS, commissions

Recorded Webinar: Mastering Annuity Sales for Medicare Agents with Tom Hegna

Posted by www.psmbrokerage.com Admin on Wed, Jun 21, 2023 @ 12:22 PM

th

Dear Medicare Agents,

We're excited to invite you to watch an exclusive webinar featuring renowned retirement expert Tom Hegna as he reveals insider tips and proven strategies from his acclaimed book, "Don't Worry. Retire Happy." This webinar is designed specifically for you, the Medicare agent, to help you better understand how to effectively sell annuities and secure a prosperous retirement for your clients.
 
 

Don't miss this opportunity to learn from the best in the industry. Tom Hegna has a wealth of knowledge and experience that you can apply to your practice to increase your sales and help your clients to achieve their retirement goals. We're confident that you won't want to miss it.
 
Newest Blog Posts  |  All Blog Posts

Tags: Annuity Information, Medicare Sales, Tom Hegna

2024 Medicare Training Now Available

Posted by www.psmbrokerage.com Admin on Wed, Jun 21, 2023 @ 09:02 AM

2024 Ahip header

2024 AHIP Discount Link

With the official launch of the 2024 AHIP being today, we wanted to share our new $50 discount link with you.

https://www.ahipmedicaretraining.com/clients/yourfmo

Best of luck this enrollment window and we look forward to offering you the products, training and resources to make your business a success.

Helpful Resources:

Newest Blog Posts  |  All Blog Posts

Tags: AHIP, 2024

ACA Marketplace: New CMS Consent Rules Effective 6/18/23

Posted by www.psmbrokerage.com Admin on Mon, Jun 19, 2023 @ 10:50 AM

New CMS Consent Rule

Source: HealthSherpa

CMS covered their new rules around Consent and Review for all marketplace enrollments at their CMS Summit for Agents and Brokers on 5/24/2023. These rules build upon the existing rules that were outlined in the 2022 Understanding Marketplace Compliance Rules & Regulations slides, as well as the various FAQs that address Consent and PII rules and regulations.

When comparing the 2023 Understanding Key CMS Rules and Regulations to Maintain Marketplace Compliance slides to the Rules and Regulations from previous plan years, the following are some of the key additional requirements that will need to be met in addition to past guidance. This is not an exhaustive list, so be sure to review the 2023 Rules and Regulations yourself when developing your consent documenting systems for PY 2024.

Consent Documentation Requirements:

  • The consumer or their authorized representative must take an action to produce the documentation;

  • Provide consumers a process with which they can rescind consent;

  • A description of the scope, purpose, and duration of the consent provided by the consumer or their authorized representative.

  • In addition to the previously required fields.


Review Documentation Requirements:

  • Maintain documentation stating a consumer or their authorized representative has reviewed and confirmed their application information is accurate (45 C.F.R § 155.220(j)(2)(ii)(A)(1)-(2)). (Referred to as “Review Documentation Requirements”);

  • The consumer or their authorized representative takes an action to produce the documentation;

  • The documentation must contain, at a minimum, the following information:

    • The date the information was reviewed;

    • The name of the consumer or their authorized representative;

    • An explanation of the attestations at the end of the eligibility application; and

    • The name of the assisting agent, broker, or web-broker.

  • The agent, broker, or web-broker must maintain the documentation for a minimum of 10 years.


Protecting Consumer PII:

  • You must provide consumers the opportunity to opt-in and allow you (and your agency, if applicable) to use their PII (e.g., through the record of consent). You should also provide a mechanism through which the consumer, or their authorized representative, can limit the use of their PII.

  • PII may only be used for the authorized functions discussed earlier, in the context of completing an application for QHP, APTC, or CSRs eligibility, if applicable, or enrolling in a QHP, or any data transmitted from or through the Marketplace, if applicable.

  • PII may not be used for any other purposes not outlined in these agreements without the explicit consent of the consumer or their authorized representative.


Third Party Relationships:

  • Agents and brokers and any third party with which they have entered into a business relationship must adhere to requirements for the use and disclosure of all consumer PII or protected health information (PHI), including all PII/PHI collected by the third party.

  • Agents and brokers are required to obtain consent from the consumer or their authorized representative. Third party means, such as lead-generators, do not constitute consent in a manner that complies with 45 C.F.R. § 155.220.

    • For example, consumers merely checking a box to indicate that they attest to being enrolled in Marketplace coverage does not constitute consumer consent for purposes of complying with CMS Marketplace requirements.


System Usage:

  • CMS systems that agents and brokers access when assisting consumers, include, but are not limited to, the CMS Enterprise Portal, HealthCare.gov, and HealthSherpa EDE and DE Pathways.

    • Only maintain one CMS Enterprise Portal account, accessible by the registered agent or broker.

    • Only conduct one log-in session at a time.

    • No scripting or automation without written CMS permission.


The documentation requirements go into effect beginning June 18th, 2023.
They are not retroactive; agents do not have to go back and gather documentation for applications completed before this date, but should implement these practices moving forward. We do expect further guidance in the form of Clarifying FAQs to come from CMS by or shortly after this date.

Remember, all of the rules and regulations around consent and client review are to help you protect your client and your relationship with your client.

 Download the CMS Model Agent Broker Consent Form.

Source: HealthSherpa

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Tags: CMS, ACA

AFLAC Medicare Supplement Q2 Bonus

Posted by www.psmbrokerage.com Admin on Thu, Jun 15, 2023 @ 03:03 PM

Tags: Final Expense, medicare supplement insurance, Bonus Program, Aflac

Have you heard? Aetna Medicare is growing – And they’re expanding their footprint in 2024

Posted by www.psmbrokerage.com Admin on Thu, Jun 15, 2023 @ 01:57 PM

Aetna 2024 Expansions-1

Aetna Medicare is growing – And they’re expanding their footprint in 2024.

Call 800-998-7715 or Contact us today to learn more. We’d love to talk about opportunities for AEP.

Subject to Centers for Medicare & Medicaid Services (CMS) approval. Confidential and proprietary. For internal/agent use only. Do not distribute.

 

Newest Blog Posts  |  All Blog Posts

Tags: Medicare Advantage, aetna, expansion areas, 2024

UnitedHealthcare 2024 Certifications are now open!

Posted by www.psmbrokerage.com Admin on Mon, Jun 12, 2023 @ 01:02 PM

UHC CERT 2024

UnitedHealthcare 2024 Certifications are now open!

We are excited to share that starting today 6/12/23), you can get certified to sell 2024 UnitedHealthcare Medicare Plans. That is 2 weeks earlier than last year so you can focus on AEP readiness and have more time to plan your events!

View Certifications details here.

Newest Blog Posts  |  All Blog Posts

Tags: Medicare Advantage, certification, 2024

Introducing Physicians Mutual® Medicare Supplement and Dental Plans

Posted by www.psmbrokerage.com Admin on Fri, Jun 09, 2023 @ 04:21 PM

physicians-mutual-logo2

PM Header

You can now add Physicians Mutual to your product portfolio!
This is a game-changing opportunity for agents like you who want to increase their sales while helping clients save more money. Find out why so many agents are excited!

HERE'S WHAT IT MEANS

Ask us for details on what sets Physicans Mutual apart from the competition — and why you won’t want to sell others' products. You won’t regret it!

For recruiting purposes only. Products/features vary by state.
MSUP_EML_RT13_0123

Newest Blog Posts  |  All Blog Posts

Tags: medicare supplement insurance, dental plans, Physicans Mutual

2024 Medicare Advantage Expansions

Posted by www.psmbrokerage.com Admin on Wed, Jun 07, 2023 @ 09:45 AM

2024 MA Expansions

We are thrilled to share the news that there are fresh options for Medicare Advantage plans for 2024!

If you are interested in finding out which carriers are extending their services this year, please feel free to contact us using the information provided below. We will gladly provide you with all the necessary details.

Call us today: (800) 998-7715 or email us at info@psmbrokerage.com

It's never too early to start preparing for the upcoming Annual Enrollment Period, so don't hesitate to get in touch if you have any inquiries or concerns.

Divider

2024 AHIP Medicare Training Details:

AHIP will be launching the new 2024 Medicare Certification on June 21st. View details.

Divider

Helpful Guides:

medicare enrollment periods   SEP GuideFor Agent Use Only.

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Tags: Medicare Advantage, expansion areas, 2024

Corebridge SimpliNow Legacy® At-a-Glance

Posted by www.psmbrokerage.com Admin on Tue, Jun 06, 2023 @ 01:09 PM

Corebridge SIWL

Here are the top features of this Final Expense solution from Corebridge Financial.
With instant underwriting decisions, SimpliNow Legacy helps you convert as many leads as possible - because your time is money!

1. Compensation:
  • Recently increased commissions.
  • Earn $2500 extra by placing ten policies with the Final Expense Agent Bonus Program.
2. Process built with you in mind:
  • All offers are automated and instant – no human intervention or speaking with an underwriter.
  • When final offers of Graded death benefit or decline are made, we will provide reasons why.
  • No tele-interviews.
  • Corebridge doesn’t ask for payment or beneficiary information until AFTER the offer is made. And none of our payment types will reduce your commission.
3. Unique client benefits:
  • Limited pay feature allows for no more premium payments after a stated age (maximum payment age). This will vary but it’s a great selling point that premiums will not be needed every year.
  • SimpliNow Legacy has four payment types – Social Security debit card (Direct Express), credit cards, debit cards, or bank draft.
  • Three available riders – Accelerated Death Benefit for Terminal Illness and Nursing Home Confinement Riders included at no additional charge; and an Accidental Death Benefit Rider available for an additional cost.
4. Underwriting Niches:
  • Available for Level Death Benefit (policy pays the full amount in all years):
    • Stage 1 cancers diagnosed or treated in last 48 months.
    • Rheumatoid arthritis or psoriatic arthritis.
    • Some stable coronary conditions treated with stents or by-pass surgery.
    • Diabetes with stable A1C less than or equal to 8.6%.
  • No MIB, background check only for lack of candor: BE HONEST!
  • One of the only Final Expense products that can provide an offer for COPD -- with no hospitalization in last 2 years.
  • Note: Corebridge does not underwrite for neuropathy or diabetic neuropathy.
5. New name, same company:
  • Corebridge Financial: new name for AIG Life & Retirement with no changes to products, policies or contracts.

Download the Flyer


SimpliNow Legacy Max provides a 100% of face amount death benefit beginning on policy day one when inforce. SimpliNow Legacy provides a limited death benefit in the first two years of the policy. Should death occur in the first
two years, the death benefit will be equal to 110% of the premiums paid.

 

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Tags: Final Expense, aig, Corebridge

MedicareExpress - In Person Sales Meetings

Posted by www.psmbrokerage.com Admin on Mon, Jun 05, 2023 @ 03:30 PM

Medicare Express Blog

A New & Better Way for Medicare Field Agents To Make More Sales.

We Filter So You Don’t Have To.
Using our proprietary process, we disqualify 92 out of every 100 people we reach so your time is optimized with high intent people. We connect and set you up with high-quality, high-intent, prequalified sales meetings. Saving you and your team
time and money by streamlining the process and allowing you to expand your book of business.

Meetings Built Around Your Schedule.
Our calendar widget syncs with the agents schedule to automatically provide and organize their sales meetings with new customers. The agents arrive to the meeting knowing what the customer is looking for in their Medicare plan because we share this information with you in our Medicare Express Wizard.

Get Ready To Make The Sale!
With a success rate of 91% of consumers showing up for their sales meetings and
up to 51% converting for our top 35 field agents, your Medicare Agency is bound to grow at scale.

Only A Few Will Qualify, & We Have Limited Availability!
Request a demo with us at medicarexpress.com today. We’ll talk through your goals and show you how the Medicare Express Meetings program works. Quit generating your own prospects once and for all and receive a never-ending supply of highly qualified prospective customers served on a silver platter.

Get Registered Today

Medicare Express Flyer

 

Newest Blog Posts  |  All Blog Posts

Tags: Leads, Sales Leads, Medicare leads

Q2 Agent Bonus Programs & Incentives

Posted by www.psmbrokerage.com Admin on Mon, Jun 05, 2023 @ 01:18 PM

q2 bonus programs

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Tags: Bonus Program

LifeShield Enrich Your Life Agent Incentive

Posted by www.psmbrokerage.com Admin on Mon, Jun 05, 2023 @ 12:55 PM

LifeShield Bonus

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.



LifeShield Enrich Your Life Agent Incentive

LifeShield Bonus flyer

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

Humana Achieve: Competitive Med Supp Rates in Texas with Agent Bonus

Posted by www.psmbrokerage.com Admin on Fri, Jun 02, 2023 @ 04:59 PM

Humana header

Up to $325 per issued policy and
unlimited bonuses for 2023!

Earn unlimited bonuses for new business applications submitted and approved in April, May and June 2023 for Humana Achieve Medicare Supplement plans, starting with the first issued app! Qualify with just one issued case.


Competitive Rates in Texas!

Humana Bonus

Talk about a win-win! You can now offer customers amazing rates and put more cash in your pocket when you sell these plans and others.

View the Texas Outline of Coverage →

2023 Member Extra Services Booklet →

Humana Achieve Bonus Flyer →

Not appointed to sell Humana Medicare Supplement plans? Request details.



For Agent Use Only. Not For Public Distribution.

Issued cases must be specific to Humana Achieve Medicare Supplement Plans. Application must be approved and policy active for 60 days for bonus to be paid. Program period runs from 4/1/2023 to 6/30/2023. Payments will be made in July 2023. U65 Disability and Guaranteed Issued cases will be paid according to individual state commission guidelines. F(HD) and G(HD) plans excluded from this bonus offer. Agent must be actively contracted and appointed with Humana and remain in good standing with Humana throughout the duration of the contest period and within the Humana Strategic Hierarchy. Call Center agents not eligible. Agent may be obligated to disclose compensation to clients and prospective clients. Because state laws vary, agent should be aware of and comply with applicable state compensation disclosure requirements. Reporting of compensation from this incentive program and tax implications of this incentive program are the responsibility of the agent. Except as expressly modified herein, all provisions of the Humana Producer Contract and the Humana Individual Products Producer Partnership Plan (PPP) apply to this incentive program.


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Tags: humana medicare supplement, Humana Achieve

Why Agents Should Sell Dental Vision and Hearing Plans

Posted by www.psmbrokerage.com Admin on Thu, Jun 01, 2023 @ 04:08 PM

Why Sell DVH

 

Why Agents Should Sell Dental Vision and Hearing (DVH)

Many of your potential clients may think they are safe from the possible expenses of Dental, Vision, and Hearing services since they have Original Medicare (Parts A &B) or even a Medicare Advantage Plan.

While Original Medicare itself offers medical coverage, there are certain gaps that can leave your clients vulnerable to high out-of-pocket expenses. Medicare Advantage plans provides some coverage but it’s not comprehensive.

When you offer ancillary products like DVH insurance to your clients, you help protect them from the risk of those expenses and bring them peace of mind knowing that they have more complete coverage and gives you an opportunity to earn more commissions.

 

 

Shortcomings in Medicare and Medicare Advantage:

As people age, they’re more likely to experience problems with their eyes, ears, and teeth. Explaining the cost of common issues regarding those areas can really highlight the importance of a DVH plan.

Many people overestimate the coverage Original Medicare or Medicare Advantage provides. By exposing coverage gaps and helping your clients fill them, you’ve helped them understand the coverage better, and helped them avoid what could have eventually been a rude awakening.

 

Finding DVH Prospects:

You shouldn’t have to look far.

You likely already have many clients who either don’t have a DVH plan or could benefit from changing DVH plans. Remember, you can sell DVH plans all year long.

Keeping in touch with your beneficiaries will provide opportunities to asses any gaps in their coverage. Since DVH plans can be sold all year long, you may also want to compare plans for clients that may already have it, to see if they could benefit from a change.

This proactive approach demonstrates your commitment to comprehensive coverage and positions you as a trusted advisor in their healthcare journey.

 

Conclusion:

It’s hard to find a reason not to offer Dental, Vision & Hearing plans to your prospects that may need one. DVH policies don’t require underwriting, are easy to explain to clients, and can be sold all year round. Cross-marketing DVH is a no-brainer, and a win-win for everyone.

As a licensed insurance agent, you want to offer more than basic medical coverage. By offering DVH insurance to your senior clients, you address their unmet needs, promote holistic healthcare, and provide financial security.

By taking this proactive approach, you demonstrate your commitment to their well-being, build stronger client relationships, and position yourself as a knowledgeable and caring agent. This isn’t just good for your clients but is good for your business as well.

Thanks for watching, and happy selling.

 

 

Helpful Resources:

Tags: dental hearing and vision insurance

5 Reasons to Sell Final Expense Plans

Posted by www.psmbrokerage.com Admin on Thu, Jun 01, 2023 @ 09:13 AM

5 reasons to sell final expense life insurance

In today’s financial environment, it can be difficult to predict how much things will cost down the road, especially someone’s end-of-life expenses. Help your clients take the guesswork out with a final expense life insurance plan. With a final expense plan, your clients can find relief knowing that they will not leave their loved ones with a financial burden during an already difficult time.

There are several compelling reasons to consider selling final expense insurance:

  1. Targeted market: Final expense insurance caters to a specific market segment of individuals who may not qualify for or afford traditional life insurance policies. This niche market provides an opportunity to serve a unique clientele and address their specific needs.

  2. Fulfilling a critical need: Final expense insurance helps individuals and their families plan for the financial obligations associated with funerals, burials, and related expenses. By selling this type of insurance, you can assist clients in ensuring that their loved ones are not burdened with significant costs during a difficult time.

  3. Simplicity and accessibility: Final expense insurance policies are typically easier to understand and obtain compared to complex life insurance products. They often involve simplified underwriting processes, making them more accessible to a wider range of customers. This simplicity can be appealing to individuals who want straightforward coverage without extensive paperwork or medical examinations.

  4. Emotional support: Selling final expense insurance allows you to provide emotional support to clients and their families. By addressing end-of-life expenses, you help alleviate the stress and uncertainty associated with funeral planning. This support can foster trust and build long-term relationships with clients.

  5. Financial stability: Final expense insurance provides a predictable and stable income stream for insurance agents. As the need for final expense coverage persists, it can serve as a consistent revenue source. By building a client base and nurturing relationships, you can establish a reliable book of business over time.

It's important to approach the sale of final expense insurance ethically and responsibly, ensuring that you fully understand the product, its features, and the specific needs of your clients. Complying with industry regulations and providing transparent information to customers is crucial to building trust and maintaining professional integrity.

PSM would love to support your efforts and provide all the carriers, tools and resources you need to feel confident in presenting these plans to your clients. Below is a list of companies we proudly represent. Please click on the image for more information and to request additional details.

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Tags: Final Expense

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