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Heartland National: New Medicare Supplement launching in 10 states!

Posted by www.psmbrokerage.com Admin on Fri, Jun 28, 2019 @ 12:09 PM





Forms   Underwriting Guide   FAQ   State Availability   Super Agent Bonus

Not appointed with Heartland National Med Supp? Request details here

Additional Updates:

Tags: Heartland National Medicare Supplement

5 Tips for Establishing Your Web Presence

Posted by Lauren Hidalgo on Fri, Oct 19, 2012 @ 10:24 AM

Medicare SupplementsWebsites can be overwhelming to business owners. Everything from choosing layouts, to creating content and keeping it updated takes time and considerable resources. However, even if you’re unable to commit the time or money to creating a comprehensive website at this point in your business, a landing page is a good option. Your landing page serves as your online business card and can be as simple as one page with your contact information, a short introduction to your business, and a contact request form. This is a quick and effective way to establish your web presence and legitimize your business.

Here are a few things to keep in mind when you are creating your landing page:

  1. Have a Strong Call-to-Action: What do you want your prospects to do when they reach your website? Do you want them to call you for more information? Submit their information via an online form? Join your educational mailing list? Whatever it is you want from your visitor, make sure it is obvious.

  2. Include Credibility Indicators: Request a few testimonials from your happy clients to post on your landing page. Seeing that other people are happy with your service will help those on the fence about working with you make the decision to move forward.

  3. Keep it clean and simple: You don’t want your landing page to become too busy, crowded or hard to read. Eliminate all of the unnecessary information; break down content to small, easy-to-read paragraphs, and use bullets to highlight the most important points.

  4. Use video: Use your landing page to introduce yourself to your prospects and talk about your products. You can also use video for an educational opportunity to help prospects make a more informed decision on which product would work best for them.

  5. Measure effectiveness: Once your page is live be sure to check your analytics and click rates. You may see cause to change your layout or verbiage. Experiment until you see the results you are looking for.

With a landing page you still choose a domain name, but the size of the website is much smaller. It can be created easily via several template site options, and is easy to maintain yourself periodically. For more information on setting up your landing page and advice on the best information to include, contact your PSM marketer at 1-800-998-7715.

Please give us your feedback!
Do you have an online business card? How has it helped your business? Do you feel like your website helps you with prospecting?


Source: Senior Market Advisor

Additional Updates:
  • The Perfect Medicare Supplement for AEP - Learn More
  • Heartland National Oklahoma Appointment Renewal Form - Learn More
  • AEP Changes and Fax Cover Sheets - UnitedHealthcare - Learn More

Tags: United Healthcare Medicare Supplement, Sales Tips, Success Tips, Senior Market Advice, Web Tips, technology, Heartland National Medicare Supplement, Combined Insurance Medicare Supplement

2013 Medicare Marketing Guideline Changes

Posted by Lauren Hidalgo on Fri, Jul 20, 2012 @ 10:16 AM

Medicare SupplementsThe Annual Enrollment Period is around the corner, starting October 15 and ending December 7. Now is a great time to take your certifications, read up on the 2013 changes, and take a look at your portfolio to assure you are ready for the season.

The 2013 Medicare Marketing Guidelines from CMS are now available, some highlights of the attached document below:

  1. Section 50 Marketing Material Types and Applicable Disclaimers - This section covers all the required disclaimers by product type.

  2. Section 70 Rewards and Incentives, Promotional Activities, Events and Outreach - This covers telephone contact, unsolicited contacts, scope of appointment requirements.

  3. Section 100 Plan Sponsor Websites and Social/Electronic Media - Read through this carefully if you use a web site or and social media platforms for business purposes.

  4. Section 120.2 Plan Reporting of Terminated Agents - This section says that "When plan sponsors discover incidents of unlicensed agents or brokers submitting applications, they must terminate the agent/broker and report them to the authority in the State where the application was submitted." You do not want this to happen.

Read the full 2013 Medicare Marketing Guidelines document.

Really not a lot of ground-breaking changes this year. But it's always a good idea to closely review the requirements every year to make sure you're sales and marketing activities are compliant.

If you have any questions regarding the changes or are interested in adding new products to your Medicare Advantage product portfolio, give your PSM marketer a call at 1-800-998-7715.

Please give us your feedback!
What are you doing to prepare for the Annual Enrollment Period? What have you done in the past to prepare that has been beneficial to your business?

Additional Updates:
  • AL & MS Agents: Combined Medicare Supplement Now Available - Learn More
  • Humana: Opportunity is Knocking - Learn More
  • Introducing Florida Healthcare Plus Medicare Advantage Plans - Learn More
  • PSM Partners with Norvax to Provide Essential Sales Tools for Today’s Independent Agent - Learn More

Tags: Humana, Annual Enrollment Period, Medicare Advantage, Senior Market, Heartland National Medicare Supplement, Combined Insurance Medicare Supplement

Med Supp Policyholder Satisfaction Up

Posted by Lauren Hidalgo on Fri, Jun 22, 2012 @ 10:13 AM

Medicare SupplementsA recent study by America's Health Insurance Plans (AHIP) commissioned by American Viewpoint, Inc. concluded that there is a high rate of Medicare Supplement policyholder satisfaction (90% of those polled), comparable to the survey results in 2009 (91%) and 2005 (87%). The survey asked Medigap enrollees about both their satisfaction and experience with their coverage. Medicare Supplement coverage continues to be an important option to Medicare beneficiaries and their survey concluded:

  • Nine out of ten (90%) Med Supp policyholders are satisfied with their coverage.

  • Over half of enrollees (79%) say their Med Supp policy is excellent or good value for the money.

  • Just over nine out of ten (91%) would recommend a Med Supp plan to a friend or relative who they become eligible for Medicare benefits.

  • Policyholders highlighted several benefits when asked what they liked most about their coverage, including limits on out-of-pocket costs, ease of dealing with medical bills and paperwork, and being able to budget for unexpected medical costs.

  • Enrollees also appreciated their freedom of choice for doctors, and that their plan covered hospital expenses and physician costs not covered by traditional Medicare.

  • Top concerns Medicare beneficiaries had were out-of-pocked loss, maintaining financial security and peace of mind.

The study also showed that enrollment in Medigap is stable with 49% of those polled having maintained the same coverage for the past five years, and an additional 20% purchased for the first time during the five year period. Of those polled, 39% transferred from their Employer-sponsored coverage when they became eligible, and 34% switched from another form of coverage.

With client satisfaction up, the Boomer generation aging into the market, and great new products like Combined Insurance, Stonebridge Life, and Heartland National becoming available in new areas, now is a great time to be selling Medicare Supplements. Feel free to call a marketer at 1-800-998-7715 for advice on finding a target niche and what new products would fit into your portfolio.

Please give us your feedback!
Have you seen an increase in client satisfaction? What percent of your clients have maintained the same policy for 5 years? Is that as common as the survey results make it seem?

Source: ProtectMedigap.org

Additional Updates:
  • PSM Partners with Norvax to Provide Essential Sales Tools for Today’s Independent Agent - Learn More
  • Heartland National Med Supp New Telephone Application - Learn More
  • Attention Heartland Agents: Important New Business Processing Changes - Learn More
  • New! Combined Insurance Medicare Supplement - Learn More

Tags: Medicare News, senior insurance market news, health insurance industry, insurance news, Heartland National Medicare Supplement, Combined Insurance Medicare Supplement

Medicare Mailers - Targeting Turning 65 Prospects

Posted by Lauren Hidalgo on Fri, Mar 30, 2012 @ 12:09 PM

Medicare SupplementsA recent study conducted by Kramer Direct analyzed 53 mailings received by a senior up to eight months before his 65th birthday. They looked at the timing, format, and offers that were sent to him in order to increase the effectiveness of your promotions, communications and strategies with the market aging into Medicare.

The companies who sent information and were included in the study were AARP, Aetna, Bankers Life & Casualty, Blue Cross/Blue Shield, Bravo, Colonial Penn, Humana, Physicians Mutual, United HealthCare, United of Omaha and Health Spring.

Eight-eight percent of the mailers were received between July and December, but the subject got a mailer as early as March. Envelope mailers were the overwhelming majority at 66%; postcards were used 30%; and tri-folds were used significantly less at only 4%. Most of the mailings proposed an offer to grab the prospects attention, with 45% of the mailers promising information or posing a question of interest to the senior.

The study concluded the following:

  • To stand out from the competition and reach prospects before the other offers, it is best to mail six months in advance of prospect’s birthday.

  • It is best to provide a mail-back option, rather than a single postcard with only a call-back option.

  • Questions and new information are the best way to get the prospect’s attention based on the results of the study.

  • Don’t just consider targeting the Turning 65 audience. Many agents have had success targeting ages 66+ to help prospects save money on their current coverage.

Since 1985, Kramer has provided pre-qualified leads to the insurance and financial industries. You can review more on Kramer Direct as well as view some of their current approved mailers by visiting the lead vendor page on our website.

PSM also works with numerous companies that offer free postcards to our contracted agents. To discuss these no cost options, please contact one of our Marketing Representatives at 800-998-7715.

Please give us your feedback!
Do you find these results surprising? When do you typically send out mailers to turning 65 prospects?

Source: Kramer Direct Research and Analysis Study

Additional Updates:
  • 14 Ways to Generate Medicare Leads - Learn More
  • How To Get Started in Medicare Sales - Learn More
  • Heartland National Supply Requisition - Learn More
  • Heartland National First Guardian Cancer Care Brochure - Learn More
  • Heartland National Secure Advantage Hospital Indemnity Brochure - Learn More

Tags: Sales Tips, Referrals, Leads, Heartland National Medicare Supplement, Customer Service, insurance companies

Here's to a Prosperous 2012!

Posted by Lauren Hidalgo on Fri, Dec 30, 2011 @ 09:46 AM

Medicare SupplementsHappy New Year! We at Precision Senior Marketing want to take this time to wish all of our agents and their families a happy holiday season. We appreciate your business and the opportunity to assist you in your senior market endeavors. As always, we are committed to bringing you the most competitive products with personal service from our dedicated staff. In 2012 we have several new and exciting products coming to market that we look forward to adding to your portfolio.

If you are new in the senior market let 2012 be the year you expand your business to include Medicare Supplements, final expense, and annuities. Give PSM a call at 1-800-997-7715 to get started

Here’s to a successful and prosperous 2012!

Additional Updates:
  • Assured Life Medicare Supplement Rate Increase for NE - Learn More
  • Heartland National Life Rate Increase Notification NE & MO - Learn More
  • Sentinel Life Personal Choice Annuity New Rates - Learn More

Tags: Senior Market, Assured Life Medicare Supplement, Heartland National Medicare Supplement, Creating Value, Sentinel Life Medicare Supplement

Annual Enrollment Period is Over, What's Next?

Posted by Lauren Hidalgo on Fri, Dec 16, 2011 @ 09:06 AM

Medicare SupplementsThe whirlwind of the Annual Enrollment Period ended December 7. As you catch your breath and prepare to enjoy the holiday season with your family and friends, you might find yourself wondering now what? Now is an ideal time to start planning for 2012 and there are many opportunities to take advantage of.

Unlike Medicare Advantage plans, Medicare Supplements can be sold at any point during the year to those who are age sixty-five or older (or those on Medicare disability).

Also the first quarter of 2012 is a great time to contact the new clients you signed up during AEP to see if there are any other products they would like to take advantage of such as:

By adding additional products to your portfolio you are helping to make your business well-rounded, increase your sales volume, and offer another way to market to your prospects and clients. Plus the more policies your clients have with you, the more likely they are to keep their business with you as their agent.

As we wind down 2011 be sure to take a good look at your portfolio and make sure you have the products you need to serve your clients. PSM will continue to bring you the newest in Medicare Supplements with low rates and excellent compensation to help you maintain growth in your business.

Please give us your feedback!
What are you doing in preparation for 2012? Do you have any tips for those agents just getting started in the senior market?

Additional Updates:
  • Forethought Med Supp Released in Arizona - Learn More
  • Forethought Med Supp Released in New Jersey - Learn More
  • Heartland National Life Rate Increase Notification - Learn More

Tags: Final Expense, Annuities, Medicare Supplement, Heartland National Medicare Supplement, Customer Service, Building Client Relationships, Short Term Care

The Key to Closing: Asking Questions

Posted by Lauren Hidalgo on Fri, Nov 11, 2011 @ 10:15 AM

Medicare SupplementsAs most agents know, selling is not about closing. A poor closing ratio is a manifestation of the trap some salespeople fall into during the beginning of the sales process. Instead, sales are about establishing a relationship with your prospects and clients based on your real interest in their supplemental insurance needs. If you have found yourself having trouble closing lately, it is time to start asking yourself some questions.

  1. Are my leads qualified?

  2. Are my prospects interested or are they just tire-kicking?

  3. What questions do I ask?

  4. What is my follow up plan?

When you obtain a lead you will want to assure you have an interested client that will not result in a “tire kicker” who will waste your time. When you receive referrals they will most likely be interested. However, it is especially important to qualify when your leads have been purchased from a third party source.

Once you have confirmed the prospect is interested take time to ask questions to help you determine which products will best for their needs. In addition to a Medicare Supplement that suits their budget you can also suggest final expense insurance, short term insurance, or long term care insurance. Combo Apps, available from Forethought Life and Sentinel Life, allow you to use one application for both a Medicare supplement and final expense plan. By suggesting multiple products for the same client you have the opportunity to increase your commissions and customer retention, build your brand, and expand your business.

If your prospect is interested but not ready to make a buying decision immediately, follow up with them. Email can be useful, but a phone call is more personal and will show your genuine interest in their insurance needs.

Please give us your feedback!
Have you found that a problem with closing is a symptom of another problem? What do you change when you are having trouble closing?

Source: LifeHealthPro

Additional Updates:
  • HOT New Med Supp Carrier from Heartland National - Learn More
  • Gerber Life Medicare Supplement Rate Increase for CO & NJ - Learn More

Tags: Success Tips, Senior Market Success, Heartland National Medicare Supplement, Creating Value, Gerber Life Medicare Supplement

Great New Med Supp Carrier for the Enrollment Period

Posted by Lauren Hidalgo on Fri, Oct 21, 2011 @ 09:36 AM

Medicare SupplementsThe Heartland National Life Insurance Company was founded in 1994 in Lee’s Summit, Missouri. Today, they have sales totaling 20 million which makes Heartland National one of the foremost Senior Health and Life Insurance distributors in the United States. The company has a conservative, no-nonsense approach, with unsurpassed service and quality insurance products for their agents and policyholders.

Heartland National Medicare Supplement is available in many states. They offer plans A, D, F, G, M, and N to all qualified, contracted agents. Plans are affordable and easy to sell with vested commissions and a quick turnaround on policy issue. Their application is a simple yes/no format and claims are usually paid in five days making the entire process quick and efficient.

The Heartland National Medicare Supplement product specializes in helping seniors with fixed incomes because they understand the importance of full coverage supplemental benefits for their consumers. With service exceeding expectations, you can be assured that your clients will have the support they need for their Medigap policy. Plus, Heartland National Medicare Supplement is available in all fifty states, no matter where they purchased their policy. Policies have unlimited lifetime benefits for as long as consumers keep their policy.

With low monthly premiums, the Heartland National Medicare Supplement is very competitive in several states. Be sure to include this economical plan in your portfolio to coincide with your client with fixed incomes. Please contact your marketer at Precision Senior Marketing, 1-800-998-7715, for more information and to get contracted to sell Heartland National Med Supp.

Please give us your feedback!
Have you heard about Heartland National from clients while prospecting? Are you excited to add this product to your senior market portfolio?

Additional Updates:
  • Heartland National Medicare Supplement Contract - Learn More
  • Woodmen of the World Medicare Supplement Rate Increase for Washington - Learn More
  • Gerber Life Medicare Supplement Rate Increase for North Dakota and Washington - Learn More
  • Gerber Life Medicare Supplement Rate Increase for Illinois and Louisiana - Learn More
  • Assured Life/WOW Medicare Supplement Rate Increase for IL, TN, and UT - Learn More

Tags: Annual Enrollment Period, senior market news, Medicare Supplement, Assured Life Medicare Supplement, Heartland National Medicare Supplement, Woodmen of the World Medicare Supplement, Gerber Life Medicare Supplement, insurance companies

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