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2024 Medicare Advantage Expansions

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

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.

2024 AHIP Medicare Training Details:

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

Helpful Guides:

For 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

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

Product Spotlight: Devoted Health Medicare Advantage Plans

Posted by www.psmbrokerage.com Admin on Tue, Jun 06, 2023 @ 09:41 AM

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Tags: Medicare Advantage plans, Devoted Health

MedicareExpress - In Person Sales Meetings

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

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.

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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


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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

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

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

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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

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!

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 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:

7 Tips to Close More Insurance Sales

Cross Marketing Insurance

Why Agents Should be Selling Hospital Indemnity

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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

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:

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.
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.
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.
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.
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

YourMedicare SunFire: Voice Scope & Signature For Field Agents

Posted by www.psmbrokerage.com Admin on Wed, May 31, 2023 @ 04:03 PM

UPDATE

Starting on 6/2, SunFire will make Voice Scope and Voice Signature capabilities available, automatically, to agents on recorded calls using SunFire's Voice Recording Solution.

HOW IT WORKS

When on a recorded call using SunFire's voice recording solution, the platform will automatically remove the "Complete scope" in-person option for Scope of Appointments, and replace it with the ability to complete a compliant Voice Scope:

Similarly, when the agent clicks "enroll" they will automatically be shown our CMS-filed, compliant Enrollment Script with voice, text, and email signature options:

This functionality is currently only available to agents that utilize SunFire's Voice Recording Solution within our BlazeConnect field agent platform. Please reach out to your Account Manager if you have questions or feedback, or would like to enable Voice Recording for your agents.

Medicare Blog | Medicare News | Medicare Information

www.psmbrokerage.com Admin

Recent Posts

2024 Medicare Advantage Expansions

Corebridge SimpliNow Legacy® At-a-Glance

Product Spotlight: Devoted Health Medicare Advantage Plans

The Devoted Health Difference

MedicareExpress - In Person Sales Meetings

Q2 Agent Bonus Programs & Incentives

LifeShield Enrich Your Life Agent Incentive

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

Why Agents Should Sell Dental Vision and Hearing Plans

Why Agents Should Sell Dental Vision and Hearing (DVH)

Shortcomings in Medicare and Medicare Advantage:

Finding DVH Prospects:

Conclusion:

5 Reasons to Sell Final Expense Plans

YourMedicare SunFire: Voice Scope & Signature For Field Agents

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