At LifeShield, they are constantly striving to empower agents to reach new heights of success. They understand the value you bring to their organization, and they are dedicated to providing you with the tools and support you need to thrive.

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

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

About LifeShield

LifeShield emphasizes a customer-centric approach, aiming to provide policyholders with reliable coverage and personalized service. The company's goal is to meet the unique healthcare needs of its customers and offer peace of mind regarding healthcare expenses.

The LifeShield success story

At LifeShield, they are constantly striving to empower agents to reach new heights of success. They understand the value you bring to their organization, and they are dedicated to providing you with the tools and support you need to thrive.

The LifeShield success story

Over the past months, we've witnessed remarkable stories of agents who have unlocked their full potential with LifeShield. From streamlining their workflows to enhancing customer interactions, the impact of LifeShield on our agents has been truly inspiring.

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

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

About LifeShield

LifeShield emphasizes a customer-centric approach, aiming to provide policyholders with reliable coverage and personalized service. The company's goal is to meet the unique healthcare needs of its customers and offer peace of mind regarding healthcare expenses.

NCD is on a mission to offer outstanding dental and vision insurance products that provide industry-leading benefits, exceptional white glove service, and smiles for their members and agents.

Would you like to make more Medicare Supplement sales? We have several product features to make your job easier, such as our Innovative Plan G.

To help our customers save money, we developed an exclusive Innovative Plan [G] — which saves them money on premiums for life and gives YOU the competitive edge. No one else offers this plan!

This — plus our other features — gives our agents the advantage in today’s market. What are you waiting for? Join the Physicians Mutual family!

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

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

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

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Grow your portfolio

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!

More Rewards

Earn More | Competitive compensation packages and monthly bonuses with no cap.

World-Class Incentive Trips | Yearly trips for our top performing agents. Recent trips include Mexico and Ireland.

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

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

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

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Get More with Physicians Mutual

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!

Great reasons to add Physicians Mutual to your portfolio:

More Innovation

Cutting-Edge Products | Access to patented Medicare Supplement plans exclusive to Physicians Mutual.

Comprehensive Coverage | Products for all ages, including dental, cancer, life, and pet insurance.

Extras | Policyholders receive access to Rx discounts, discounted fitness club memberships, vision & hearing discounted and more.

More Rewards

Earn More | Competitive compensation packages and monthly bonuses with no cap.

World-Class Incentive Trips | Yearly trips for our top performing agents. Recent trips include Mexico and Ireland.

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

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

For recruiting purposes only. Products/features vary by state.
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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. They are excited to offer this meaningful addition to their portfolio of senior health solutions designed to meet customers' individual needs.

To learn more, including where plans will be available, please request details today and one of our marketing representatives would be happy to share the information.

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.

For Agent Use Only. Not to be shared with Medicare beneficiaries

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.

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.

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.
  
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“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:

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.