MYGA Cross-Marketing Letter for Medicare Clients

Posted by www.psmbrokerage.com Admin on Mon, Jul 31, 2023 @ 02:54 PM

Selling annuities can offer numerous advantages in today's insurance industry, allowing insurance professionals to fulfill their clients' financial security and peace of mind objectives. While you may already provide a range of insurance products, exploring the sale of annuities can be highly beneficial.

Explore our complete multi-year guarantee annuity rate table here.

Remember, selling fixed annuities involves working with individuals' financial well-being, so it's crucial to act ethically, provide accurate information, and always prioritize the best interests of your clients.

You can review our Annuity Product Portfolio here. You can also call us at 800-998-7715 and speak with one of our marketing representatives to assist with any questions.

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Tags: Annuities, MYGA

Leverage Chat GPT For Your Insurance Practice

Posted by www.psmbrokerage.com Admin on Mon, Jul 31, 2023 @ 01:27 PM

Leverage Chat GPT For Your Insurance Practice

Insurance agents can leverage ChatGPT for marketing purposes to engage with potential customers, generate leads, and provide valuable information. While this is not an exhaustive list, it should at least plant some seeds on new ways to make your business more efficient and scalable.

Here are 8 ways on how insurance agents can use ChatGPT for their business:

Lead Generation:

- Create a conversational lead generation system using ChatGPT. This system can engage website visitors or social media users by offering them personalized insurance recommendations or quotes.
- Prompt users to provide basic information like their age, location, coverage needs, and contact details. Use this information to follow up and convert leads into customers.
Automated Customer Engagement:
- Use ChatGPT to automate initial customer interactions and responses on your website or social media platforms.
- Provide general information about insurance types, coverage options, and frequently asked questions.
- Ensure that ChatGPT can collect customer information, such as name, email address, and phone number, to enable future follow-ups.
Personalized Recommendations:
- Train ChatGPT on customer data and preferences to deliver personalized insurance recommendations.
- Gather information about customers' needs, budget, risk profile, and preferences. Then, use ChatGPT to generate tailored recommendations based on these factors.
Policy Explanation and Education:
- Utilize ChatGPT to explain complex insurance terms and policies in a user-friendly manner.
- Provide interactive and conversational explanations about policy features, coverage limits, deductibles, exclusions, and other relevant details.
- Address customer concerns and help them make informed decisions.
Chatbot Integration:
- Integrate ChatGPT into chatbot systems on your website or messaging platforms to handle customer inquiries and provide real-time support.
- Customize the chatbot's responses and prompts to align with your marketing goals, ensuring it can gather necessary customer information during conversations.
Content Creation:
- Use ChatGPT as a content generation tool to create blog posts, articles, social media posts, and email newsletters on insurance-related topics.
- Provide ChatGPT with specific prompts or topics, and it can generate drafts or outlines that can be refined by human writers.
Customer Retention and Cross-Selling:
- Leverage ChatGPT to engage with existing customers and encourage upselling or cross-selling opportunities.
- Provide personalized policy reviews, offer additional coverage options, or suggest bundling opportunities based on customers' needs and policy history.
Continuous Improvement:
- Monitor customer interactions with ChatGPT and collect feedback to enhance its performance and accuracy.
- Regularly update and expand the knowledge base used by ChatGPT to ensure it remains up-to-date with industry trends, policy changes, and new offerings.

Remember to regularly evaluate the effectiveness of ChatGPT in your marketing efforts. Adjust and refine its usage based on customer feedback, lead conversion rates, and the overall impact on your marketing strategies.

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Tags: Guide, AI

Discover an unparalleled array of valuable resources tailored exclusively for insurance agents

Posted by www.psmbrokerage.com Admin on Mon, Jul 31, 2023 @ 11:08 AM

Discover an unparalleled array of valuable resources tailored exclusively for insurance agents serving the senior market. At PSM, we are dedicated to equipping agents with the knowledge and tools they need to excel in this specialized field. From comprehensive educational materials on Medicare to interactive training sessions on sales strategies and compliance, our goal to empower agents with the latest industry insights.

Join our vibrant community and benefit from networking opportunities to foster professional growth. Experience the difference with PSM, where agents can elevate their expertise and better serve their senior clients.

Sample Guides:

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Tags: Final Expense, Medicare Advantage, Medicare Supplement, Professional Networking, Guide, Resources

Check out our latest MYGA Rates and Resources

Posted by www.psmbrokerage.com Admin on Mon, Jul 31, 2023 @ 10:53 AM

Selling annuities can offer numerous advantages in today's insurance industry, allowing insurance professionals to fulfill their clients' financial security and peace of mind objectives. While you may already provide a range of insurance products, exploring the sale of annuities can be highly beneficial.

Explore our complete multi-year guarantee annuity rate table and learn more about PSM's extensive selection of fixed annuities.

Download our Fixed Annuity Quick-Reference Guide here.

Looking for the best MYGA rates? Check out our Top Multi-Year Guaranteed Annuities here.

You can review our Annuity Product Portfolio here. You can also call us at 800-998-7715 and speak with one of our marketing representatives to assist with any questions.

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Tags: Annuities, MYGA

Retail Program Opportunities for AEP

Posted by www.psmbrokerage.com Admin on Thu, Jul 27, 2023 @ 01:49 PM

The goal of a retail program is to reach and engage potential Medicare beneficiaries in person, allowing them to learn about Medicare Advantage plans, ask questions, and enroll in a plan on the spot.

Retail programs can be particularly effective in areas with a significant senior population and in locations where there is a higher demand for face-to-face interactions.

If you think you would be a good candidate and would like to participate, please request details here, or give us a call at 800-998-7715.

Retail programs can be an effective marketing and sales channel for agents, complementing other methods such as direct mail, online advertising, and telephonic sales. The success of the program depends on the agent's ability to target the right locations and provide a positive and informative experience for potential beneficiaries.

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Tags: Medicare Advantage, AEP, Retail Program

Aetna Medicare Advantage First Look 2024: Opportunities await!

Posted by www.psmbrokerage.com Admin on Wed, Jul 26, 2023 @ 09:10 AM

It’s here: 2024 First Look! Check out 2024 Aetna Medicare plans and benefits coming your way this AEP. Just go to https://firstlook.aetna.com and login with your Producer World username and password.

We're excited to share details about our 2024 AEP strategy!

Call us today for details: 800-998-7715

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Tags: Medicare Advantage, aetna, First Looks, 2024

YourFMO SunFire: New MAPD Enrollment Form Training Video

Posted by www.psmbrokerage.com Admin on Tue, Jul 25, 2023 @ 02:00 PM

Medicare Advantage Update
New Enrollment Forms 8/8/23

Enrollment Form Updates

SunFire has completely redesigned their Medicare Advantage enrollment forms, incorporating the latest compliance requirements plus several workflow enhancements, creating the most intuitive and compliant enrollment experience possible for agents and the customers they serve.

Watch the new training video here.

Highlights of the new MAPD forms include:

Reduced number of pages in Blaze from 9 to 5.
Reordered & redesigned questions and input fields for increased efficiency.
Incorporated PY2024 guidance from all of our 50+ MAPD enrollment carriers.
Clarified disclaimer to improve both the agent and applicant enrollment experience.
Increased uniformity between Blaze and BlazeConnect, benefitting agents.
...All this, while reducing the time to complete an enrollment app on SunFire!

Key Dates

7/14: Training video covering our new MAPD forms added to SunFire
7/25 (target): New MAPD forms will be added to training sites
8/8: New MAPD forms go live

Sneak Preview

Welcome to a new era in Medicare enrollment.

PSM has teamed up with SunFire to bring you a revolutionary new tool to write more Medicare business. With our all-inclusive platform, you can sell Medicare plans on your terms. Offer top carriers, receive the best commissions, all with industry-recognized service and support.

To learn more about the SunFire Medicare Enrollment platform and to get registered, request more details here.

Independent agents play a vital role in helping seniors secure the most cost-effective Medicare plans for their individual needs. This comprehensive tool simplifies the sales process with multi-carrier shopping and enrollment platforms wrapped into a single online experience.

And best of all, this platform is available at no cost to PSM agents. Request details today and make sure you have access to this cutting edge technology at your fingertips.

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Tags: Online Enrollment, Medicare Advantage, SunFireMatrix

New Strategic Alliance with Mutual of Omaha and Wellcare

Posted by www.psmbrokerage.com Admin on Fri, Jul 21, 2023 @ 09:09 AM

Mutual - Wellcare

Two leaders in the senior health market- Mutual of Omaha and Wellcare have formed a strategic alliance to offer jointly designed Medicare Advantage plans in select markets for the 2024 plan year.

As a customer-focused company, Mutual of Omaha is committed to offering a comprehensive suite of senior health products. Medicare Advantage plans offered with Wellcare are a meaningful addition to our portfolio of senior health solutions designed to meet customers' individual needs.

A trusted brand among seniors with 95% brand awareness, Mutual of Omaha is the nation's second-largest provider of Medicare Supplement plans. Our company remains committed to the Medicare Supplement market and plan to continue to grow in this space. Our senior health solutions portfolio also includes prescription drug (Part D), dental and vision coverages.

Wellcare and Mutual of Omaha will offer No Premium and Low Premium MAPD PPO cobranded plans in Georgia, Missouri, South Carolina, and Washington state as well as in Dallas/Fort Worth and Houston markets in Texas. The jointly marketed plans will be offered during this fall's Medicare Annual Enrollment Period (AEP) which begins Oct. 15 and runs through Dec. 7th.

The customer experience, including customer service, enrollment, and member communications, will be the Wellcare experience. All sales and brokerage operations will be handled by Wellcare. All 2024 contracted and certified Wellcare brokers will automatically have access to the co-branded plans with the same compensation model.

We are excited to offer this new opportunity to you and your clients. Be on the lookout for more information as we showcase the plans and the opportunities in each market.

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Tags: Medicare Advantage, Mutual of Omaha Medicare Supplement, dental plans, WellCare

Humana Medicare Advantage 2024 First Look

Posted by www.psmbrokerage.com Admin on Wed, Jul 19, 2023 @ 09:17 AM

Humana 2024 First Look is now available

This just in! The 2024 Humana first looks website just went live!

We're excited to share details about their 2024 AEP strategy!

Call us today for details: 800-998-7715.

Now appointed with Humana 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:

For Agent Use Only.

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Tags: Humana, Medicare Advantage, First Looks, 2024

Savvy Agents Can Expand Their Medicare Business Cross-Selling Ancillary Products

Posted by www.psmbrokerage.com Admin on Tue, Jul 18, 2023 @ 09:17 AM

Cross selling ancillary

Insurance agents can have successful careers building a significant client base by selling Medicare Advantage (MA) coverage to beneficiaries. Agents wanting to expand their business beyond MA coverage and move their earnings to new levels can do that holistically with ancillary products. Along with the potential for increased revenue, agents cross-selling ancillary products could help their clients save money on health care expenses while setting themselves apart from the competition.

One cross-selling technique is packaging MA and ancillary products as a bundled approach. This minimizes the likelihood of clients seeking alternative coverage options,
which increases their long-term commitment to their agents and their carriers. The key isn't only knowing all available products and coverage benefits, but how they compliment MA coverage to best meet your client’s needs.

It’s important to remember that cross selling occurs when an opportunity to sell a Medicare plan is also utilized to sell a non health related product (such as life or home insurance or financial planning services). This activity is prohibited during individual appointments, marketing/sales events or when providing Medicare plan enrollment materials (such as the “Enrollment Guide”) to consumers.

Let’s breakdown the three most popular ancillary products.

HOSPITAL INDEMNITY PLANS

Hospital Indemnity (HI) plans provide Medicare beneficiaries with financial protection for medical expenses associated with daily hospital confinement, ambulance rides, diagnostic tests, lab work and prescription medications.

Agents can share with clients that the plans are designed to supplement other health insurance policies and can cover deductibles, copayments and other out-of-pocket costs. HI policies don't have network restrictions, meaning policyholders can choose providers that are both in and out-of-network. Networks become very important, especially when a person wants treatment at the best facility available after a diagnosis of a critical or complex disease, such as cancer, renal failure or heart disease. An added benefit: many HI plans come with riders, such as coverage for cancer costs, emergency room visits and outpatient services.

FINAL EXPENSE PLANS

Final Expense (FE) policies provide clients with a sense of security for their loved ones and protect them from unforeseen costs associated with medical bills and funeral costs. With the right guidance and product knowledge, agents can provide their customers
with quality coverage at affordable rates. Clients would be interested in knowing that
FE qualification thresholds are usually much lower than for other life insurance policies
regarding a policyholder’s health.

Agents can also stress that FE products go beyond burial costs and can include leaving financial gifts for clients’ family members that can go to settling debts.

DENTAL, VISION AND HEARING (DVH) PLANS

Dental, Vision and Hearing (DVH) coverage can increase a client’s financial protection
beyond what is available through traditional MA plans. Agents can let clients know that as they age, they are at a higher risk of needing DVH-related care. DVH plans offer additional access to coverage for these unexpected costs not covered by some Medicare plans.

TAKING ADVANTAGE OF THE ANCILLARY MARKETPLACE

The ancillary marketplace lets agents leverage their already-existing client base and build longer-term relationships with them through cross-selling opportunities. Once agents are comfortable with selling MA products, they can take the following steps to move into the ancillary marketplace:

Learn about the available products and coverage benefits.
Do the homework and uncover how ancillary products can complement clients’ current coverage.
With recent changes in CMS guidelines, it’s important to understand their impact on cross-selling opportunities. Ensure you understand all government, state and local regulations.
Contact your clients and holistically market these plans. Agents who want to grow their business beyond Medicare products would be well advised to consider the holistic nature of ancillary products. These plans can diversify their product portfolios and maximize their earnings while providing their clients with added protections from unanticipated medical costs.

-

“Cross-selling occurs when an opportunity to sell a Medicare plan is also utilized to sell a non-health related product (such as life or home insurance or financial planning services). This activity is prohibited by CMS during individual appointments, marketing/sales events or when providing Medicare plan enrollment materials to consumers. Review the current Medicare Advantage Marketing Regulations and make sure you’re complying with Medicare’s rules regarding cross-selling.”

*For Agent use only. Not affiliated with the U. S. government or federal Medicare program.

RESOURCES:

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Tags: Final Expense, Hospital Indemnity, Medicare Advantage, cross marketing, dental plans

Countdown to AEP!

Posted by www.psmbrokerage.com Admin on Mon, Jul 17, 2023 @ 04:30 PM

countdown to AEP-1

July 7 marked 100 days until the start of Medicare's Annual Enrollment Period – affectionally known as AEP – and it's time to get excited! With new rules and regulations from CMS taking affect and new carrier products to learn and master, it's important that all of us to stay up to date and think through our collective strategies. According to recent statistics, more than 30 million Americans are enrolled in Medicare Advantage plans, making them eligible to sign up or renew their coverage during this AEP and start their new Medicare benefits on Jan. 1, 2024.

The best way to stay informed and prepared for the upcoming enrollment period is through research and leaning in to all the available resources at your fingertips. Make sure to review the new CMS rules and regulations as they are released and familiarize
yourself with the available products. Our CMS Task Force, led by our compliance and legal teams, is hard at work deciphering, analyzing and understanding processes for all of us to remain successful, while keeping compliant. As a reminder, our CMS FAQ webpage is your one-stop resource for rules interpretation, as well as for answers to question many colleagues have already submitted.

Get to know the Medicare products you are selling! Become knowledgeable about the benefits of the different plans available, rate changes heading into 2024, and competitiveness of the offerings in the areas you serve. Check out the new 2024 Medicare Advantage and Part D Rate Announcement Fact Sheet and the 2024 Medicare Advantage and Part D Final Rule – both available on the CMS.gov website.

Now is the time to reconnect with key clients ahead of the AEP 2024 selling season. Take
the opportunity to educate and reaffirm your relationships, while also establishing new ones. Aligned with new CMS marketing rules, this is also a great opportunity to follow best practices in informing clients of any new ancillary products that will be available when the enrollment period begins.

At the same time, now is also the time to start strategizing for how you’ll achieve your objectives this AEP, noting the important role this selling season plays in setting the tone for the new year. It starts with recruiting and certifications, and then fleshing out your game plan for how you’ll drive productivity throughout the AEP selling season.

Figure out which platforms you want to use, create and organize your promotional materials and plan out how you’ll drive activity. Doing this ahead of time will ensure that you are well prepared when the enrollment period begins. And don’t forget about our AEP Resource Page as your one-stop shop.

We are prepared to help you execute your AEP objectives

The complexity of the AEP process and the everchanging landscape of health care requires a comprehensive understanding of different types of plans and coverage options, timelines, and deadlines associated with AEP. Preparing your team for AEP is key! PSM’s approach - crafted and fine-tuned - takes a holistic approach to insurance distribution, one that allows us to create tailored partnership models with our agents and financial professionals and their affiliated companies to deliver what they and their clients need.

This includes a product portfolio of the nation’s best health and wealth solutions designed to meet the needs of consumers’ health and financial wellbeing, no matter where they are on their retirement journey.

The start of Medicare’s Annual Enrollment Period is just around the corner, and the time to prepare is now. Research the new rules and regulations, familiarize yourself with the different plans, and map out strategies that align with your goals. With the support and preparation from your PSM team, you will be ready and excited to help your clients make the best choices to live a happy, healthy retirement.

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:

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Tags: Online Enrollment, Medicare Advantage, CMS, AEP, Compliance, 2024, Resources

The New 60/40: Replacing Bonds with Fixed Indexed Annuities

Posted by www.psmbrokerage.com Admin on Mon, Jul 17, 2023 @ 03:16 PM

Financial market upheavals and bank instability have left Americans feeling uncertain about the safety of their money. Recent failures of large banks have had a mobilizing effect on investors nationwide. American consumers, now fearful of depositing money into their once-trusted bank accounts, are in search of safe havens for their money.

But it wasn’t just the recent banking failures that caused concern. As the Federal Reserve raised interest rates, banks didn't do the same for depositors. Deposits overall had been in a steady decline over the past year. Combined with rising interest rates, less competitive investment rates for bank accounts offering next to nothing returns and the fear of further failures, many people have decided to park their money elsewhere.

Fortunately, there are ways to protect and grow your clients’ hard-earned and astutely saved assets without taking on too much risk: Replacing volatile traditional bank bonds with more durable and dependable fixed indexed annuities (FIA).

FIAs pay an interest rate based on the performance of a market index, such as the S&P 500. However, money isn't invested or exposed to the market. It’s a blend of other annuity types and applies beneficial elements of each. The FIA offers the protection of a fixed annuity with the potential for growth like the index annuity.

What is the old 60/40?

The old 60/40 portfolio is a 71-year-old investment strategy, first proposed by Nobel Laureate Harry Markowitz in 1952. The strategy involves investing 60% of a portfolio in stocks and 40% in bonds.

It's an easy-to-follow approach to diversifying investments — but it comes with a significant amount of market risk. The 60/40 has been popular for decades, but with recent changes in the financial landscape, it may be time to rethink our strategy.

In “The New 60/40,” you’re replacing bonds with FIAs, which can offer more market protection and more robust growth opportunities. For example, whereas bank CDs carry a 3% to 10% financial reserve, FIAs are a 100% financial reserve product, which allows investors to access all their funds at any time, without any restrictions or limitations. Being a 100% financial reserve product allows investors to keep their funds in a safe, secure and liquid form, while still earning an attractive return. A 100% financial reserve product offers investors the ability to access their funds immediately and with no hidden costs or fees.

FIAs can help clients protect their principal and generate market-like gains without financial market risk. They can help to generate important retirement income without having to withdraw funds from the growth portion of a portfolio. This makes FIAs an attractive option for those looking to protect their retirement savings and build income.

Download our Fixed Annuity Quick-Reference Guide here.

Check out our Top Multi-Year Guaranteed Annuities here.

You can review our Annuity Product Portfolio here. You can also call us at 800-998-7715 and speak with one of our marketing representatives to assist with any questions.

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Tags: Annuities, MYGA

Marketing Masterminds: Unlock qualified leads that call YOU

Posted by www.psmbrokerage.com Admin on Mon, Jul 17, 2023 @ 12:58 PM

Check out the latest Marketing Masterminds webinar to learn how our direct qualified leads can help you win big this AEP.

Recorded webinar link available here.

Join our masterminds of marketing as they demonstrate how to get qualified leads straight to you (with no middleman). You’ll learn all about sourcing leads, and how you can sell the highest intent customer leads via LeadStar Marketplace.

Marketing Masterminds: Mastering Inbound Calls with LeadStar Marketplace

William and Megan discuss the need to launch campaigns on a monthly basis and the benefits of using the Lead Star marketplace for inbound calls, highlighting cost savings for agents and agencies. They also highlight the platform's performance for Medicare data leads, with a better than average CPA.

Recorded webinar link available here.

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Tags: CMS, Compliance, LeadStar, Medicare leads

Impacts of the 2024 CMS Final Rule

Posted by www.psmbrokerage.com Admin on Mon, Jul 17, 2023 @ 12:39 PM

Impacts of the 2024 CMS Final Rule

Before we dive in, it's crucial not to solely depend on these key points, as they are only a portion of the overall impact. We strongly advise reviewing the regulation and guidance thoroughly in order to gain a comprehensive understanding of each requirement and the potential changes you may need to implement. Also, be sure to visit https://yourfmo.com/cms-faqs which is frequently updated as we receive guidance from CMS and our carrier partners.

Sales and Marketing Activities

Visiting a beneficiary without an appointment is always prohibited, even when the beneficiary has expressed an interest in MA products.
You may no longer set up future personal marketing appointments or have beneficiaries complete Scope of Appointment forms at educational events.
Marketing events are prohibited from taking place within 12 hours of an educational event in the same location. The same location is defined as the entire building or adjacent buildings.
You must wait 48 hours between the completion of the Scope of Appointment and the start of the personal marketing appointment except when:
- - SOAs are completed during the last four days of a valid election period.
  - Unscheduled in-person meetings (walk-ins) are initiated by the beneficiary.
  - Note: CMS has indicated that this 48-hour period is not required for inbound calls from enrollees. At this time, unless CMS provides further clarification, this requirement applies to outbound calls.
The pre-enrollment checklist (PECL) must be provided prior to enrollment, including telephonic enrollments. "Effect of current coverage" has been added to the PECL.
TPMOs must provide the number of plans and products it offers, as well as SHIP contact information in its disclaimer. TPMOs who offer all plans and products must also provide a version of this disclaimer.
TPMOs must record all marketing, sales, and enrollment calls, including the audio portion of calls via web-based technology, in their entirety. Other types of calls have been excluded.

Marketing Materials

Authorized TPMOs must submit multi-plan materials to HPMS after pre-review by MA organizations.
The use of superlatives such as "best" or "most" is prohibited unless specific criteria for supporting documentation are fulfilled.
Do not use the Medicare name and CMS logo in a misleading way. Use of the Medicare ID card image must be authorized for use by CMS.
The MA organization name or marketing name(s) as listed in HPMS must be identified in the marketing of any products, plans, benefits or costs.
Marketing communications may not include information regarding potential savings that are based on a comparison of typical expenses borne by uninsured individuals, unpaid costs of dually eligible beneficiaries, or other unrealized costs of a Medicare beneficiary.

For Agent Use Only.

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Tags: Medicare Advantage, CMS, Compliance

Smile! New Dental/Vision products now available in 30 states

Posted by www.psmbrokerage.com Admin on Tue, Jul 11, 2023 @ 02:37 PM

The Chesapeake Life Insurance Company, a UnitedHealthcare company, is excited to announce the launch of new DentalWise¹), DentalWise

Added strength of the UnitedHealthcare brand and dental/vision networks
Simplified benefit structure (dental benefit is separate from vision & hearing benefit)
Increased benefit levels
Dental implants now covered²
No waiting periods²

^{> Highlights on DentalWise Max}

Why 3 products? Flexibility to meet your clients' needs

By offering a complete DVH1 product but also standalone options, you have the flexibility to offer your new clients the coverage they want. The standalone dental and vision plans offer the same strong benefits as the well-rounded DVH product, so no pressure to promote one over the other. Your clients get a great product with access to the UnitedHealthcare network, all designed with affordability in mind, no matter which plan they select.

Large 30 state footprint!

DentalWise Max DVH, DentalWise & VisionWise now available in: AL, AR*, AZ, CT, DE, FL, GA*, IA, ID, KS, KY, LA, ME*, MI, MO, MS, ND, NE, NH, NV, OH*, OK, PA, SD, TN, TX, UT, WI, WV, WY

> View updated Product Availability Chart

View DentalWise Max DVH, DentalWise and VisionWise training now.

> Start training

1The hearing benefit is not available in all states.

2Dental implants benefit available on DentalWise Max 2,000 & 3,000 plan and DentalWise 2,000 plan; subject to a 12-month waiting period.

For Agent information purpose only – not for consumer use.

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Tags: dental plans, DVH

YDL Presents Digital Growth Summit - featuring Tom Hegna!

Posted by www.psmbrokerage.com Admin on Tue, Jul 11, 2023 @ 02:27 PM

YDL Presents Digital Growth Summit featuring Tom Hegna!

July 26th, 2023 from 11 am to 3 pm

We invite you to the Digital Growth Summit event featuring guest speaker Tom Hegna. yourDigitalLab (YDL) is dedicated to helping companies accelerate their digital growth strategies and leverage the power of digital transformation.

Tom Hegna will speak at the Digital Growth Summit on selling annuities strategies and more. It also features a panel of other industry experts discussing leveraging data and technology to create competitive advantages.

We're excited to have you join us for the Digital Growth Summit, an amazing chance to learn more about achieving digital excellence.

Please use our exclusive link by clicking the button below!

CLICK HERE TO SIGN UP

About Tom Hegna: CLU, ChFC, CASL

Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!.

As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books.

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Tags: Tom Hegna, YourDigitalLab, Webinar

Important Cigna PDP Update: Commissionable PDP in AEP 2024

Posted by www.psmbrokerage.com Admin on Thu, Jul 06, 2023 @ 04:16 PM

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Tags: Cigna, Medicare Part D

Aetna Quote & Enroll New Signature Process

Posted by www.psmbrokerage.com Admin on Thu, Jul 06, 2023 @ 04:01 PM

Changes are coming to the E-App Signature method! Starting July 7th we will offer an authorization code signature option for E-Apps in our Aetna Quote & Enroll Tool. This will replace the security question signature option. The following quick reference guide will explain the changes that are coming.

From July 7th to July 20th, both the security questions and the Authorization Code will be available. On July 20th the security questions will be retired and replaced entirely by the new Authorization Code method.

As always, if you have any additional questions regarding these changes please do not hesitate to contact our Agent Services phone team at: 1-866-272-6630.

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Tags: Aetna Medicare Supplement, Aetna Supplemental

Driving superior and sustainable results by building a referral culture

Posted by www.psmbrokerage.com Admin on Thu, Jul 06, 2023 @ 03:28 PM

As a modern sales leader, you focus as much on marketing as you do on sales. You are
constantly attempting to solve for targeted outreach to attract more talent and net new
clients to your organization. It’s all about growing your # of stores (advisors/sales reps/
offices) and your productivity/profit per store (production) – at the same time! Not an
easy task.

In some cases, you depend on a marketing or recruiting department to do it. In other
cases, it’s totally on you. Either way – you want to feel in control of your destiny and
influencing others to drive results to hit your goals. More often you feel less control and
more frustration. This is particularly true in today’s ever changing marketing environment
where all forms of “stranger marketing” (email, job boards, social media, LinkedIn, etc.) are under attack. These platforms have become very noisy, with lower trust, with more filtering leading to lower conversion and higher cost.

As a result, many leaders and organizations are “going back to the future” by
recommitting to referrals as the primary way to do business. Referrals to quality recruits
and referrals to ideal clients. This is worthy and perfectly aligned with consumer interests.

In fact:

Trust in referrals is up: 91% of consumers would refer if asked vs. 83% 5 years ago.
It is the #1-way consumers want to learn about you and your services.
Consumer preferences, however, have changed to more technology based - #1
way is email and #2 is text/SMS.

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ReferMe IQ™ is passionate about helping organizations build high growth referral-based businesses with their ”state of the art” automated referral platform. Peter S. Velardi is an accomplished senior executive and entrepreneur who has impacted thousands of individuals and organizations to build a fast growing referral based business.

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MYGA Cross-Marketing Letter for Medicare Clients

Leverage Chat GPT For Your Insurance Practice

Discover an unparalleled array of valuable resources tailored exclusively for insurance agents

Check out our latest MYGA Rates and Resources

Download our Fixed Annuity Quick-Reference Guide here.

Retail Program Opportunities for AEP

Aetna Medicare Advantage First Look 2024: Opportunities await!

YourFMO SunFire: New MAPD Enrollment Form Training Video

New Strategic Alliance with Mutual of Omaha and Wellcare

Humana Medicare Advantage 2024 First Look

Savvy Agents Can Expand Their Medicare Business Cross-Selling Ancillary Products

Countdown to AEP!

The New 60/40: Replacing Bonds with Fixed Indexed Annuities

Fortunately, there are ways to protect and grow your clients’ hard-earned and astutely saved assets without taking on too much risk: Replacing volatile traditional bank bonds with more durable and dependable fixed indexed annuities (FIA).

Download our Fixed Annuity Quick-Reference Guide here.

Marketing Masterminds: Unlock qualified leads that call YOU

Impacts of the 2024 CMS Final Rule

Smile! New Dental/Vision products now available in 30 states

YDL Presents Digital Growth Summit - featuring Tom Hegna!

YDL Presents Digital Growth Summit featuring Tom Hegna!

July 26th, 2023 from 11 am to 3 pm

We invite you to the Digital Growth Summit event featuring guest speaker Tom Hegna. yourDigitalLab (YDL) is dedicated to helping companies accelerate their digital growth strategies and leverage the power of digital transformation.

Important Cigna PDP Update: Commissionable PDP in AEP 2024

Aetna Quote & Enroll New Signature Process

Driving superior and sustainable results by building a referral culture

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