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Medicare Marketing Changes in 2024: New TPMO Disclaimer

Posted by www.psmbrokerage.com Admin on Wed, Aug 30, 2023 @ 10:44 AM

TPMO DisclaimerAnother Year, Another New Rule from CMS…

Yes, we feel your pain.

It seems like every year there’s a new set of compliance rules that agents must follow when selling Medicare Advantage and Part D plans. Some are a minor nuisance; others require scrambling to find and put new systems in place before the deadline (call recording, anybody?).

Remember why CMS does this: They are trying to protect Medicare beneficiaries against misleading and confusing sales and marketing tactics, and make sure these consumers get the right help to end up with the appropriate plan for their needs. This is the same goal that most independent agents have when selling Medicare plans.

While most independent agents focus on providing the best service possible, there are some bad actors. According to CMS, the number of consumer complaints rose from 15,497 in 2020 to 39,617 in 2021.

Medicare Marketing Changes in 2024: New TPMO Disclaimer

There are many resources you can turn to that dive into the changes for 2024. We won’t go over all of them here. But there is one specific rule that directly affects AgentMethods’ customers and the service we provide: the TPMO (Third Party Marketing Organization) Disclaimer.

To make sure it’s clear to customers what companies and plans an agent can offer them, CMS has provided an updated TPMO disclaimer that agents must use in communication and marketing materials such as email, online chat, advertisements, and websites. The new disclaimer is:

“We do not offer every plan available in your area. Currently, we represent [insert number of organizations] organizations which offer [insert number of plans] plans in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.” (source: https://www.ecfr.gov/current/title-42/part-422/subpart-V#p-422.2267(e)(41))

But there’s one tiny problem with the new disclaimer…

The New Disclaimer Doesn’t Work on Websites

While this new disclaimer is helpful for direct mail campaigns and one-on-one communications, it creates a problem when communicating with anonymous website visitors who don’t know their local area. In that case, you aren’t able to provide a correct number for organizations you work with and plans you offer within their area.

We are seeing creative solutions, such as:

  • Some agents are simply stating the number of organizations and plans they work with in their area. However, this is often misleading and inaccurate. If you are located in Texas and someone from New York visits your site, you are providing them misleading information that could create the impression that you can offer more plans to them than you actually do.
  • Other agents are replacing the “in your area” with “in my area.” While this makes the number accurate, it doesn’t provide useful information to the consumer. Again, this can easily be misread, leading to customer confusion.

The Correct TPMO Disclaimer to Use on Insurance Websites Marketing Medicare Plans

To make sure we are getting this right, Agent Methods went to the source and asked CMS directly what TPMO disclaimer agents should use on their websites. Here is what they said:

“It is acceptable for plans to use the old generic TPMO disclaimer on landing pages where no zip code can be provided, as long as they use the new disclaimer on the page where beneficiaries can input the zip code.”

They further confirmed that the old disclaimer can even be used on screens where the zip code can be entered because the consumer has not yet been located and identified. CMS also confirmed the previous, generic TPMO disclaimer that should be used on websites with anonymous traffic:

"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”

PSM is proud to be a partner with AgentMethods and the resources they make available to our agents. To learn more, please go here.

Source: https://www.agentmethods.com/blog/selling-medicare-products-here-s-the-tpmo-disclaimer-you-should-use-on-your-insurance-website-in-2024 
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Tags: Medicare Advantage, Part D, Compliance, TPMO, AgentMethods

We are excited to announce the initial launch of SunFire’s Med Supp Quoting and Enrollment Experience

Posted by www.psmbrokerage.com Admin on Wed, Aug 30, 2023 @ 08:52 AM

SunFire Medicare Supplement Quoting and Enrollment

We are excited to announce the initial launch of SunFire’s Med Supp Quoting and Enrollment Experience, arriving 10/1! We believe they have created a revolutionary platform that will significantly improve your efficiencies and profitability. As with any new product, their goal is to build a strong foundation with key features and continue to enhance the system over time, including additional carrier integrations.

Features Included in the Initial Launch

  • Accurate quoting for 49 carriers with enrollment capabilities for 17 carriers:
    • Full enrollment integration with Aetna, Cigna and Anthem.
    • With MOO, UHC, Humana, and Aflac slated for the new year.
    • Link outs for the other 11 carriers, where the application will be completed within the carriers’ portal.
  • A Med Supp specific needs assessment, which captures drug and medical condition data, with the intention of alerting agents to carriers that will be unlikely to pass the applicant through underwriting.
  • If our algorithm suggests that Med Supp may not be the best path, the agent can easily transition into the MA/MAPD Quoting and Enrollment flow with all client data staying intact.
  • Post enrollment, our new bundling experience creates real agent efficiencies by providing the ability to capture drug and demographic data one time and pass that information to the DVH and PDP applications displayed post sale.
    • The DVH partners currently integrated for quote and enroll include NCD and Aetna with a more robust suite of DVH integrations, including MOO, UHC, Cigna, Humana, Aflac, GTL and others slated for the coming months.
    • PDP plans are available and will be shown to agents who are ready to sell pre-filled, with pricing based on previously captured pharmacy and drug cabinet info.
  • Please keep in mind we will only quote plans that are RTS for the agent

 

SunFire Enrollment Center-2


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.
Request Access Today!
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Tags: Online Enrollment, Medicare Advantage, Medicare Supplement, Part D, SunFireMatrix

Happy Labor Day from PSM - Holiday Hours

Posted by www.psmbrokerage.com Admin on Tue, Aug 29, 2023 @ 02:22 PM

LABOR DAY

As Labor Day approaches, we want to take a moment to express our sincere gratitude for your partnership and trust in us. This special day is a time to celebrate the hard work and dedication that contribute to the prosperity of our nation.

At PSM, we consider ourselves fortunate to work alongside agents who share our commitment to excellence. Your feedback and support have been instrumental in driving our shared success.

Labor Day reminds us of the value of teamwork, persistence, and the pursuit of excellence. Just as your business strives to achieve its goals, we remain dedicated to providing you with the highest level of service and solutions that help you thrive.

As we celebrate this occasion, we also recognize the importance of finding balance in our lives. We encourage you to take some time to relax, enjoy moments with your loved ones.

Thank you for being an integral part of our journey. We look forward to continuing our fruitful partnership and achieving new milestones together.


PSM associates will have an early release on Friday, Sept 1st at 12:00 p.m. central time. We will be closed all day Sept 4th. Have a safe Labor Day!
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NABIP Texas - Annual Medicare Summit Recap

Posted by www.psmbrokerage.com Admin on Mon, Aug 28, 2023 @ 01:55 PM

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Tags: Professional Networking, Medicare Solutions, NABIP

Inflation Reduction Act: Update on CMS Implementation

Posted by www.psmbrokerage.com Admin on Mon, Aug 28, 2023 @ 10:40 AM

CMS The Inflation Reduction Act of 2022 was signed into law on August 16, 2022. The new law provides meaningful financial relief for millions of people with Medicare by improving access to affordable treatments and strengthening the Medicare Program both now and in the long run. The law makes improvements to Medicare by expanding benefits, lowering drug costs, keeping prescription drug premiums stable, and improving the strength of the Medicare program. The law also extends enhanced financial help to purchase HealthCare.gov and state-based Marketplace plans and expands access to Advisory Committee on Immunization Practices (ACIP) recommended vaccines for adults with Medicaid coverage.

 Specifically, the Inflation Reduction Act:
  • Ensures that people with Medicare pay no more than $35 for a month’s supply for each covered insulin product under Medicare prescription drug coverage, Traditional Medicare, or Medicare Advantage.
  • Lowers Medicare Part D prescription drug costs and redesigns the prescription drug program (e.g., people enrolled in Medicare prescription drug coverage who have very high drug costs will no longer have to pay cost-sharing for their prescription drugs in the catastrophic phase of the program starting in 2024, and caps annual out-of-pocket prescription drug costs at $2,000 for 2025).
  • Makes adult vaccines, recommended by the ACIP, available at no cost for people with Medicare prescription drug coverage starting January 1, 2023, and later in 2023 for people with Medicaid coverage.
  • Allows Medicare to negotiate directly with participating drug companies to improve access to innovative treatments for people with Medicare and lower costs for the Medicare program.
  • Requires drug companies that raise their drug prices faster than the rate of inflation to pay Medicare a rebate and reduces coinsurance for these drugs for people with Medicare under certain circumstances.
  • Provides more assistance in affording Medicare prescription drug coverage premiums and out-of-pocket drug costs by expanding the low-income subsidy program (LIS or “Extra Help”) under Medicare Part D to 150% of the federal poverty level starting in 2024.
  • Extends increased financial help to purchase affordable, comprehensive health insurance plans through HealthCare.gov and the state-based Marketplaces.

This law means millions of Americans across all 50 states, U.S. territories, and the District of Columbia will save money from meaningful benefits. The Inflation Reduction Act is accomplishing the following just one year after being enacted:

  • Saving Affordable Care Act Marketplace consumers an average of more than $800 per year from continued expansion of financial assistance, based on national estimates.
  • Driving the nation’s uninsured rate to historic lows.
  • Lowering insulin costs for 4 million seniors and other Medicare beneficiaries with diabetes by capping a month’s supply of each covered insulin at $35.
  • Providing ACIP-recommended adult vaccines at no cost to millions of people with Medicare.
  • Lowering out-of-pocket costs for some people with Medicare for certain Part B drugs and biologicals with prices that have increased faster than the rate of inflation.
  • Projecting savings for nearly 19 million seniors of an average of $400 per year when the $2,000 cap on out-of-pocket prescription drug costs goes into effect in 2025.

 

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

Mutual of Omaha: Enhanced Med Supp Broker Bonus Program

Posted by www.psmbrokerage.com Admin on Mon, Aug 28, 2023 @ 09:52 AM

Mutual Bonus Program Enhanced Bonus Opportunity

Not appointed to sell with Mutual of Omaha?

Request details today and add this great company to your portfolio.

 
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Tags: Medicare Supplement, mutual of omaha, Bonus Program

Navigating Success: Best Practices When Selling Medicare Insurance to Seniors

Posted by www.psmbrokerage.com Admin on Mon, Aug 14, 2023 @ 01:21 PM

Best Practices - Medicare Sales

Selling Medicare insurance to seniors is a significant responsibility that requires a delicate balance of understanding, empathy, and expertise. As seniors approach retirement and healthcare becomes a central concern, your role in guiding them through their Medicare options is invaluable.

To excel in this field, here are essential best practices to consider:

1. In-Depth Knowledge: Medicare is a complex program with multiple parts and options. To gain seniors' trust, you must have a thorough understanding of the various plans, coverage options, enrollment periods, and eligibility criteria. Be prepared to explain these intricacies clearly and simply.

2. Educational Approach: Seniors may be unfamiliar with the nuances of Medicare. Offer educational resources, seminars, or workshops to provide insights into how Medicare works, the differences between Part A, B, C, and D, and the potential out-of-pocket costs. Empower them to make informed decisions.

3. Personalized Consultations: Every senior's healthcare needs are unique. Schedule one-on-one consultations to assess their medical history, current health conditions, and prescription drug requirements. This information will help tailor your insurance recommendations to their specific needs.

4. Build Trust Through Transparency: Honesty and transparency are crucial. Clearly outline the benefits, limitations, and potential costs associated with each Medicare plan. Highlight any potential gaps in coverage and explain how supplementary insurance, such as Medigap or Medicare Advantage, can fill those gaps.

5. Address Affordability Concerns: Many seniors are on fixed incomes, so cost considerations are paramount. Explain the cost structures of different plans, including premiums, deductibles, co-pays, and out-of-pocket maximums. Discuss ways to manage costs while ensuring comprehensive coverage.

6. Communicate Effectively: Seniors may have varying comfort levels with technology. Offer multiple communication channels, including in-person meetings, phone calls, and printed materials. Adapt your approach to their preferences to ensure clear and effective communication.

7. Emphasize Preventive Care: Seniors often prioritize maintaining good health. Highlight Medicare's emphasis on preventive services, wellness visits, and screenings that can help them proactively manage their well-being.

8. Address Prescription Drug Coverage: Many seniors rely on prescription medications. Explain how Medicare Part D covers prescription drugs and discuss the importance of enrolling in a plan that aligns with their medication needs.

9. Simplify the Enrollment Process: The enrollment process can be overwhelming. Provide step-by-step guidance to help seniors navigate the paperwork and deadlines associated with Medicare enrollment.

10. Showcase Your Expertise: Highlight your experience and expertise in the Medicare insurance domain. Share case studies or success stories that showcase how your guidance has benefited other seniors.

11. Stay Up-to-Date: Medicare regulations and policies evolve. Stay informed about the latest updates and changes to ensure your advice is current and accurate.

12. Offer Post-Sale Support: Your relationship with seniors doesn't end after they enroll in a Medicare plan. Be available to address their questions, assist with claims, and provide ongoing support as their healthcare needs evolve.

Selling Medicare insurance to seniors goes beyond selling a policy – it's about offering a compassionate service that enhances their quality of life. By demonstrating your deep understanding of their healthcare concerns, presenting clear options, and providing continuous support, you become a trusted partner in their healthcare journey. Remember, every interaction is an opportunity to make a meaningful difference in the lives of the seniors you serve.

 
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Tags: Medicare Advantage plans, medicare supplement insurance, Marketing, Best Practices

LeadStar Direct: High-quality Medicare Supplement, Medicare Advantage, and Final Expense leads

Posted by www.psmbrokerage.com Admin on Thu, Aug 10, 2023 @ 03:52 PM

Leadstar Direct

Your new source for Direct Mail Leads

  • Optimized Mailing List: Reach your target audience with precision using our targeted lists. Maximize your campaign's impact by mailing cards that respond well.
  • Built-in CRM Tool: Streamline your lead management process with our integrated CRM tool. Track and organize your leads effortlessly, saving time and improving productivity.
  • Compliant Lead Cards: Mail lead cards that have already passed through the vigorous compliance review.
  • Simple to Use: Enjoy an easy order process with our user-friendly platform and dedicated support team.

Medicare Supplement Direct Mail Leads

Envelope Mail Packs

Boost your sales success with high-quality Medicare Supplement leads. Our direct-mail campaign delivers targeted prospects seeking extra healthcare coverage with a proactive call-to-action.

Key features of this lead include:
  • Postage-Paid Response Card Mailed in Envelope
  • Easy CRM Lead Management
  • Direct Contact from Leads
  • NOTE: Minimum order quantity of 1,000 records
Medicare Advantage Direct Mail Leads

Envelope Mail Packs

Capture more sales opportunities with our exclusive Medicare Advantage direct-mail leads. Our direct-mail campaign connects you with interested prospects exploring comprehensive healthcare options.

Key features of this lead include:
  • Postage-Paid Response Card Mailed in Envelope
  • Easy CRM Lead Management
  • Direct Contact from Leads
  • NOTE: Minimum order quantity of 1,000 records
Final Expense Direct Mail Leads

Envelope Mail Packs

More qualified leads at a good volume. Our Final Expense direct-mail campaigns explicitly emphasizes "life insurance," ensuring a higher volume of qualified leads, making it an excellent option for agents seeking well-qualified prospects.

Key features of this lead include:
  • Postage-Paid Response Card Mailed in Envelope
  • Easy CRM Lead Management
  • Direct Contact from Leads
  • NOTE: Minimum order quantity of 1,000 records

Why Direct Mail?

Direct mail marketing to seniors offers distinct advantages by providing a targeted, personalized approach that leverages the familiarity and comfort of tangible communication, fostering trust and credibility while standing out amidst digital noise.

It caters to a demographic less reliant on technology, allowing for a less competitive and more engaging channel that enables seniors to review information at their own pace, while also offering localized targeting and trackable response mechanisms to tailor campaigns effectively for enhanced engagement.

 
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Tags: Insurance Marketing, direct mail, LeadStar

PSM - Your Partner in Growth

Posted by www.psmbrokerage.com Admin on Thu, Aug 10, 2023 @ 02:09 PM

Think Bigger
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Nassau: Products for a broad range of needs

Posted by www.psmbrokerage.com Admin on Thu, Aug 10, 2023 @ 01:50 PM

Nassau

At Nassau, their annuity portfolio is committed to providing comprehensive, customizable, and consistent retirement solutions.

Nassau Growth Annuity®
Powerful growth potential and options for generating future income.

Nassau Bonus Annuity®
Guaranteed up-front premium bonus combined with robust potential growth potential and options for generating future income.

Nassau Personal Income Annuity®
Strong guaranteed income for now and later in retirement.

Nassau Personal Protection Choice®
Customizable, multi-dimensional retirement protection.

Nassau Single Premium Fixed Indexed Annuity Product Suite Overview

Nassau Personal Income Annuity® | Nassau Personal Protection Choice® |
Nassau Growth Annuity® | Nassau Bonus Annuity®

WORKING HARDER TO BE YOUR CARRIER OF CHOICE

Not appointed with Nassau? Request details here
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Tags: Fixed Annuity, Nassau

New Medicare Marketing Rules Require Agents to Rethink Established Sales Practices

Posted by www.psmbrokerage.com Admin on Thu, Aug 10, 2023 @ 12:12 PM

Best Practices

“Medicare beneficiaries were at the center of the conversation when CMS enacted new marketing rules earlier this year. But with these changes agents may find they will need to pivot from their familiar marketing approach.”

Good news: PSM anticipated these changes and activated a task force to study the published rules and clarify any implications for agents.

More good news: With AEP a few short weeks away, agents have the tools to ensure your marketing efforts and activities are compliant with the new rules. Let’s look at the rules changes.

 
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Tags: CMS, Insurance Marketing, AEP

Introducing AdvantageGuard: A New Hospital indemnity Plan

Posted by www.psmbrokerage.com Admin on Thu, Aug 10, 2023 @ 12:12 PM

Your client's new option for help covering Medicare Advantage plan copays

AdvantageGuard offers broad, customizable solutions for clients seeking easy and reliable hospital indemnity coverage. With guaranteed issue coverage options for seniors aged 60-741 and a focus on flexibility and affordability, AdvantageGuard makes it easy to find the help they may need with unexpected costs.

Clients can choose the benefits that best fit their needs and budget, all backed by a insurer with an "A+" AM Best rating2. AdvantageGuard offers convenient cash benefits paid to the insured, making it a smart choice for clients who want help with covering out-of-pocket expenses, like their Medicare Advantage plan copays.

Explore AdvantageGuard Benefits:

  • Guaranteed issue options for ages 60-74
  • A health insurer with "A+" AM Best rating
  • Affordable/competitive premiums
  • 12-month commission advance
  • Outpatient prescription drug benefit rider
  • Benefit selection: AdvantageGuard offers flexibility in benefit selection, allowing individuals to choose the coverage options that best meet their needs and budget, and can be tailored to suit different preferences and circumstances.
  • No networks - benefits are the same regardless of network or provider

Icon_Calendar_2C_CirBlue_RGB        Icon_Award_2C_CirBlue_RGB_1        Icon_CheckMark_2C_CirBlue_RGB        Icon_Cost_2C_CirBlue_RGB        Icon_Network_2C_CirBlue_RGB

If you would like to get contracted to sell AdvantageGuard or other Golden Rule Insurance Company products, click here to get started.

Precision Senior Marketing is an independent broker agency offering plans underwritten by Golden Rule Insurance Company and other insurers.

UHC GR logo

 

 
1Guaranteed Issue cases must be equal to or less than the GI max allowable base and rider benefit selections. Applications submitted where one or more base or rider benefits exceeds the allowable GI max will be subject to Simplified underwriting.

212-month Commission Advance is only available through YourFMO.com, LLC. contract

3Payable per day (limits apply) when Insured Person receives a prescription delivered by injection in an outpatient provider setting.

4Ratings as of 12/09/2022. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com.

49985-G-0723

Agents Only. Not Intended For Consumer Use.

 
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Tags: Hospital Indemnity, Medicare Advantage, AEP

SEP Codes: The #1 Misused Code - MDE

Posted by www.psmbrokerage.com Admin on Wed, Aug 09, 2023 @ 11:55 AM

SEP Codes

It has come to our attention that the MDE SEP is the #1 misused SEP. Misusing this SEP may cause CMS to reject the application and can be time consuming for all parties involved. It is very important that agents understand how to use SEP codes correctly to avoid having applications rejected and corrective action issued.

SEP for Dual-Eligible Individuals and Other LIS-Eligible Individuals

Available to:

  • Medicare beneficiaries receiving any type of Medicaid assistance
  • Medicare beneficiaries who qualify for a low-income subsidy (LIS)


What the election can be used for:

If enrolled in:

  • Original Medicare - Then they may enroll into an MA-only, MAPD, or PDP
  • MA-only, MAPD, or PDP - Enroll into a different MA-only, MAPD, or PDP or Disenroll to Original Medicare

When can it be used:

  • Election can only be used once per calendar quarter between 1/1 and 9/30
  • Quarters are January to March, April to June, and July to September (based on enrollment receipt, not requested plan start date)
  • Election cannot be used between 10/1 and 12/31
  • Individuals identified as at-risk or potentially at-risk for abusing certain medications will not have their enrollment/disenrollment accepted by CMS
  • Limitation can last up to 24-months at a time

The effective date of an enrollment request made using this SEP is the first of the month following receipt of an enrollment request.

The disenrollment date will be the end of the month in which the disenrollment request is received.

Note: This SEP is separate from the “SEP for Individuals who Gain, Lose, or Have a Change in Their Dual or LIS-Eligible Status” and the two should not be used interchangeably. SEP Codes by rejectionLearn more about SEP Enrollment periods by viewing our SEP Guide.

 
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Tags: LIS, SEP

NABIP Austin - Ethics Jeopardy - August 17th, 2023

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

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Tags: Professional Networking, Medicare Solutions, NABIP

2024 Aetna Medicare Retail Program

Posted by www.psmbrokerage.com Admin on Fri, Aug 04, 2023 @ 12:02 PM

Aetna CVS Retail

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.

Why Participate?

YEAR-ROUND LEADS! Opportunity to work together in building a “Prospect Pipeline” to increase sales year-round.

Shopper Traffic - Access to high-traffic retail locations that can drive leads and sales.

Low Cost - Cost-efficient retail bundles that are competitively priced.

Competitive Program - Program requirements that are more relaxed.

Simple Tools - Use ThinkAgent to verify and track schedules and manage leads.

Helpful Training - Our training resources and tips help prepare and master retail.


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, aetna, AEP, Retail Program

NABIP Texas - Annual Medicare Summit - August 23rd, 2023

Posted by www.psmbrokerage.com Admin on Thu, Aug 03, 2023 @ 03:08 PM

0 Comments Click here to read/write comments

Tags: Professional Networking, Medicare Solutions, NABIP

Product Spotlight: American Home Life Medicare Supplement and Final Expense Products

Posted by www.psmbrokerage.com Admin on Wed, Aug 02, 2023 @ 04:07 PM

0 Comments Click here to read/write comments

Tags: Medicare Supplement, American Home Life

Sentinel Life: Summit Bonus Index - the Ultimate Income Annuity is Here!

Posted by www.psmbrokerage.com Admin on Wed, Aug 02, 2023 @ 03:42 PM

Sentinel Life Annuities

The wait is over. SM (SBI) annuity - the Ultimate Income Annuity - is here! If having a reliable stream of guaranteed income is a priority for your client, then don’t let them miss out on this amazing income solution offering. 1 

  • #1 GLWB Income Payments across many ages and deferral periods.
  • 15% premium bonus on both the accumulation and income accounts with the selection of the Income Rider.
  • 7.25% roll-up rate for All Ages years 1-10.
  • Increased payout factors that reach as high as 9%.
  • Agent Heat Sheet (click here) 

Sentinel crowns the Summit Bonus IndexSM annuity as the Ultimate Income Annuity, offering #1 market leading GLWB income payout amounts. There’s no need to look any further for the amazing income solution that your clients deserve.

 

 

 


1Data as of August 1, 2023, and is subject to change without notice. 
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Tags: Annuity Information, sentinel Life

Earn more selling Humana Medicare Supplement plans

Posted by www.psmbrokerage.com Admin on Wed, Aug 02, 2023 @ 03:29 PM

Humana q3 bonus

Earn more selling Humana Medicare Supplement plans.

Earn bonuses for applications submitted and approved July, August, and September 2023. Qualify with just one issued case!

_____________________________________

$300 bonus—per each eligible UW app!
$100 bonus—per eligible OEP app!

Applicable states: AK, AL, CA, DC, GA, HI, IA, IL, LA, MI, MN, MS, NC, ND, NE, NH,
NJ, NM, NV, OK, PA, RI, SD, TX, VA, WV, and WY.

_____________________________________

$100 for each eligible Humana Med Supp OEP and UW app

Applicable states: AR, AZ, CO, CT, DE, FL, ID, IN, KS, KY, MA, ME, MD, MO, MT,
NY, OH, OR, SC, TN, UT, VT, and WI.

 
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Tags: Humana, Medicare Supplement, Incentives

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