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Aetna Supplemental: NEW Cancer and Heart Attack or Stroke Plus coming to 26 states

Posted by www.psmbrokerage.com Admin on Tue, Feb 26, 2019 @ 04:26 PM

Product Spotlight: Aetna Cancer and Heart Attack or Stroke Plus

What is Cancer and Heart Attack or Stroke Plus?

There are four plans to select from… choose a cancer plan or a heart attack/stroke plan or one of each, with different benefit amounts. Watch the video above to learn more.

Aetna Video Image

Sales materials and online enrollment

Agents can now order state-specific sales materials for these products. 

Aetna Quote & Enroll

Application cut-off for existing product

The last application signature and submission date for the existing Cancer and Heart Attack or Stroke product in these states will be June 27, 2019.

Not appointed with Aetna Supplemental? Request details here

Additional Updates:

Tags: aetna, product spotlight, Aetna Supplemental

Product Spotlight: Atlantic Coast Life Medicare Supplement

Posted by www.psmbrokerage.com Admin on Mon, Feb 25, 2019 @ 09:11 AM

Atlantic Coast Life Medicare Supplement

"Transforming the Agent & Customer Experience"

PSM Product Spotlight



PSM is proud to be an exclusive distributor for Atlantic Coast Life's (ACL) Medicare Supplement Plans.

We are excited to introduce their new Med Supp product to you along with an agent experience like no other!

With state of the art features and technologies, securing Medicare Supplement coverage for your clients has never been easier. Along with competitive rates,excellent commissions and writing agent bonus, you don't want to miss this exciting opportunity.

Atlantic Coast Life Insurance Company(ACL) is a premier provider of Medicare Supplements, Life Insurance and Annuity products for families throughout the United States.


ACL's products are flexible and competitive, and are able to meet the changing needs of their clients. ACL is proud of their ability to stay attuned to the needs of their clients – not only giving them choices that best fit their situation, but by listening to each individual.

This honest and refreshing approach to business is what has made Atlantic Coast Life a driving and respected force in the southeast since 1925. Atlantic Coast Life Is Transforming The Customer Experience. 

BONUS PROGRAM for Writing Agents

  • $160 per eApp  Underwritten Bonus
  • $40 per eApp Open Enrollment Bonus

What Makes Atlantic Coast Life Unique?

  • Instant Issue™ Application Approval
  • Very Competitive Rates
  • True Point-of-Sale™ Underwriting
  • Live Review™ Underwriter Access
  • Telephone Signature Capabilities
  • Responsive eApplication

As an independent agent, we realize you have lots of choices to make. 
At Precision Senior Marketing we strive to provide top level products and services that agents need.

We feel Atlantic Coast Life's Medicare Supplement plans offer a unique advantage and will help set you apart in the market.

For Agent Use Only.


Learn more about selling Med Supps with Atlantic Coast Life. PSM offers an array of the best Medicare Supplement contracts along with ideas on Medicare Lead Generation and the most effective way to sell Medicare products.

 Contact us today to learn more about growing your business with us.

Additional Updates:

Tags: medicare supplement insurance, product spotlight, atlantic coast life medicare supplement

Product Spotlight: United of Omaha Living Promise Final Expense

Posted by www.psmbrokerage.com Admin on Fri, Nov 09, 2018 @ 10:27 AM

United of Omaha Living Promise Final Expense

PSM Product Spotlight


United of Omaha’s’ Living Promise® Final Expense is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses or debt that you may leave behind.

Living Promise®  premiums are guaranteed to never increase, and the benefits are guaranteed to never decrease. Your clients will feel secure with the knowledge that they are locking in the price and coverage that work for them.

United of Omaha Living Promise Final Expense Options:

Level Benefit Plan Features:
  • For ages 45-85
  • Face amounts from $2,000 to $40,000 (in WA, $5,000 to $40,000)
  • Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement
  • Optional: Accidental Death Benefit Rider

Graded Benefit Plan Features:

  • For ages 45-80 (in NY, 50-75)
  • Face amounts from $2,000 to $20,000 (in WA, $5000 – $20,000)
  • This policy contains a graded benefit meaning that for death due to natural causes (any cause other than accidental) during the first two years, the beneficiary will receive all premiums plus 10 percent. After the two years, the full benefit is paid for death due to all causes. Full death benefits will be paid, in all years, if death results from an accidental bodily injury


  • Offers competitive premiums that fit many budgets
  • Top of the line Agent Portal Tools - for running illustrations, tracking applications, and submitting business.
  • Top of the line E-Application – seamless technology to complete enrollments over the phone.
  • Top of the line Administration - quick turnaround, email notifications, etc.
  • Top of the line Agent Support – quick and reliable answers, short waiting times.
  • Simplified underwriting. No medical exam – coverage is based on your answers to a few simple health questions.
  • A great product with a strong brand and from a stable and secure company that you know *Not available in AR, MT, NC.

Automatic Underwriting:

  • Mutual of Omaha will soon offer Automated Underwriting on e-Applications for their Living Promise® Final Expense product. Automated Underwriting delivers instant underwriting decisions for clients when using the iGO e-App platform.
  • Simply complete the e-App for Living Promise and the new automated underwriting feature will work in the background.

Key points about Automated Underwriting:

  • Provides an instant underwriting decision — Possible outcomes include: Approved (with level benefit), Approved (with graded benefit), Referred to Underwriting (you or your client will be contacted for more information), or Declined.
  • Mobile friendly - It's available on mobile devices so it goes where you go

Mutual of Omaha quoting application - Click to download in the iTunes App Store

Mutual of Omaha quoting application - Click to download in Google Play

Mutual of Omaha has additional information in this Flyer

Mutual of Omaha Automatic Underwriting


Policy Exclusion:

The death benefit will not be paid if the insured commits suicide, while sane or insane, within two years from the contestability date (in ND, within one year). Instead, we return all premiums paid, minus any loan. (May not be available in all states.)

Call now to talk to one of our stellar marketing staff for details on how you can start selling these plans today.

Not appointed with United of Omaha? We encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: Final Expense, product spotlight

Product Spotlight: Ameritas Dental and Vision Plans

Posted by www.psmbrokerage.com Admin on Thu, Oct 25, 2018 @ 01:28 PM

Ameritas Dental and Vision Plans

PSM Product Spotlight


Need a product that can offer your clients coverage for themselves, as well as their spouse, for a LOWER combined monthly premium than most other carriers offer for an individual plan?

We are excited to offer Ameritas' suite of Individual Dental and Vision Plans to our agents. Ameritas offers you tremendous selling power with one of the nation's largest dental networks, an award-winning customer service team, and a quick and easy enrollment process for your clients. 

PrimeStar Individual Dental Insurance can help keep your smile sparkling, while at the same time, protecting your overall wellness. 

When you become appointed with Ameritas, you’ll receive a unique enrollment hyperlink. With this custom hyperlink you and your clients have 24/7 access to quote and purchase a PrimeStar Insurance Plan. 

Your link has your agent number automatically embedded in it, so you will be credited for any online enrollments that originate from your hyperlink. You can place this link on your agency’s website, email, or text it to your clients for self-enrollment.

Not appointed with Ameritas? We encourage you to learn more and put this in-demand product in your portfolio, request details here


The Ameritas Difference:

With preventive dental services covered at 100% and coverage for major services included, preventive care visits are encouraged, such as an annual exam and cleaning (2 visits per year covered at 100%). This can help minimize the need for more costly procedures in the future. 

You will receive the maximum plan benefits for using an Ameritas dental provider. If you visit a non-network dental provider, the plans reimburse at the 90th percentile of usual & customary prices. 

This means that 9 out of 10 dentists in a given zip code do not charge more than Ameritas’ reimbursement amount, a very rare and generous benefit that minimizes or eliminates balance billing.

Ameritas Dental and Vision Highlights:

  • Next day coverage and no waiting periods for any service

  • Everyday effective dates.

  • Sell Dental and Vision Plans, together or individually.
  • Year 2 benefits start January 1st, regardless of when you got into the plan throughout the year.

  • NO policy fees, same premium for ages 18+.

  • Seamless E-Application process.

  • NO appointment fees.

  • Immediate coverage on preventive services, covering a free exam and cleaning per year.

  • Freedom to use any dentist with the opportunity to use the Ameritas dental network for greater savings.

  • Optional vision coverage Up to $2,000 calendar year maximum benefit.

  • Exciting commissions and advancing for the writing agent.

  • Available for all ages including seniors 65+.

  • Dental Rewards included in all plans – increase your annual maximum by submitting at least one dental claim per year and keeping your total paid claims for the year at or below the Threshold Amount: $250 for Plans 1 and 2; $500 for Plan 3. You will “earn” an Annual Reward – $125 for Plans 1 and 2; $250 for Plan 3 – to carry over toward your annual maximum benefit the next year.

Sell More Using the Ameritas PrimeStar Hyperlink:

  • A one-stop-shop hyperlink for clients to quote and purchase easily online.
  • Opportunity for sales 24/7. Agent is automatically credited on purchases made through their personalized hyperlink.

Why agents love selling Ameritas:

  • Year 2 benefits start January 1st, regardless of when you got into the plan throughout the year. Making this a great product to sell during AEP and offers a unique advantage over the competitors.
  • Ameritas PrimeStar Hyperlink giving you the opportunity for 24/7 sales.
  • Great commissions and support. Ameritas is one of the most agent friendly companies you will find in the market today.

Call now to talk to one of our stellar marketing staff for details on how you can start selling these plans today.

Not appointed with Ameritas? We encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: dental hearing and vision insurance, ameritas, product spotlight, dental plans

Product Spotlight: SilverScript Part D Plans

Posted by www.psmbrokerage.com Admin on Tue, Oct 09, 2018 @ 04:09 PM

SilverScript Part D Drug Plans

PSM Product Spotlight


 “In an era of rising drugs costs, our goal is to help keep out-of-pocket costs lower for America’s seniors. That is why we want to ensure consumers know they have options, and we are providing enhanced choices to meet their individual needs from both a prescription and financial standpoint.” 

-Todd Meek, President, SilverScript Insurance Company, CVS Health

Indeed SilverScript has both expanded and enhanced their product options for 2019. Already the #1 Prescription Drug Plan of choice among seniors for three years running with their zero deductible Choice and Plus plans, SilverScript will begin offering a third plan option in 2019 - SilverScript Allure.

SilverScript Allure:

New for 2019, SilverScript Allure offers an enhanced plan design for people taking brand name medications in higher drug tiers, and offers low out-of-pocket costs on many generic and brand name drugs through point-of-sale (POS) rebates.  Listed below are some of the highlights:

  • $0-deductible on all covered drugs, $0-copays for 90-day supplies of Tier 1 drugs when filled by  CVS Caremark Mail Service Pharmacy and the same large national pharmacy network as the SilverScript Plus plan.
  • Immediate access to your copay and coinsurance benefits and up to $415 in savings on deductible costs.
  • While SilverScript Allure features a higher premium than the other SilverScript plans, it offers beneficiaries lower out-of-pocket costs for their prescription drugs, including copays as low as $1 on a 30-day supply of a Tier 1 drug when filled at a preferred retail pharmacy.
  • The plan also offers reduced costs on many brand name drugs through the application of point-of-sale rebates where a portion of pharmaceutical manufacturer rebates on certain Tier 3, Tier 4, and Tier 5 brand drugs is applied directly to the drug’s price when the member purchases the prescription at any retail pharmacy or by mail.

 As captivating as the new Allure plan is, rest assured SilverScript is not giving up on their two staple products, Silverscript Choice and Silverscript Plus. 

With over 6 million enrolled in 2018, these two plans have made Silverscript the #1 product of choice based on membership enrollment.  Below are just of few of the highlights of these two hot-selling plans:

SilverScript Choice:

The most popular plan that offers:

  • Offers a $0-deductible on all covered drugs in most states.
  • $0-copays for 90-day supplies of Tier 1 drugs nationwide when filled through the CVS Caremark Mail Service Pharmacy.
  • Immediate access to your copay and coinsurance benefits and up to $415 in savings on deductible costs.
  • Up to 50% savings on copays at preferred network pharmacies.
  • 16% Savings on 90-day prescriptions through CVS Caremark Mail Service Pharmacy.

SilverScript Plus:

An enhanced plan that provides additional coverage in the Coverage Gap (or Donut Hole). The Plus plan is designed for people who take several medications on a regular basis and are likely to reach the Coverage Gap during the 2019 plan year:

  • Offers a $0-deductible on all covered drugs in most states.
  • Additional copay coverage benefits for those that enter the Medicare Coverage Gap.
  • Save up to 90% with preferred copays at thousands of preferred pharmacies.
  • 16% Savings on 90-day prescriptions through CVS Caremark Mail Service Pharmacy.
  • Additional savings with delivery by mail, including $0 copays on 90-day supplies of Tier 1 and 2 drugs.


Why agents love selling SilverScript:

  • 5 Different Enrollment Options – streamlined for an efficient and easy selling process, whether Face-to-Face or Over The Phone.
  • Electronic SOA Capability – with a repository of completed SOAs to print and use whenever need be.
  • Superior Agent Portal – enhanced with new reporting features and a great Drug Pricing Tool for comprehensive comparisons on their 3 Part D Plans.


 This year’s AEP is expected to be record setting and it’s obvious that SilverScript is poised to continue their dominance in the PDP marketplace. 

 These new plan designs and enhancements will being added value to the SilverScript product in your portfolio by giving you more options to meet your clients’ ever changing drug needs.

Call now to talk to one of our stellar marketing staff for details on how you can start selling these plans today.

Not appointed with SilverScript? I encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: Part D, silverscript, product spotlight

Product Spotlight: Heartland National Hospital Indemnity

Posted by www.psmbrokerage.com Admin on Thu, Sep 27, 2018 @ 10:33 AM

Heartland National Hospital Indemnity Plans

PSM Product Spotlight

Heartland_National_Logo_No_BorderToday in the spotlight, we will review Heartland National's Hospital Indemnity.

Ask any successful Medicare Advantage producer what he is most likely to cross sell with every MA plan sold and you’ll hear… Hospital Indemnity

While medical insurance is good to have, it still leaves gaps in coverage that a policyholder is responsible for. A Hospital Indemnity plan will help bridge the gaps left open from a Medicare Advantage Plan, by providing a direct cash benefit to the policyholder. 

Most Medicare Advantage Plans don't cover the first 4 to 7 days of a hospitalization. Per the American Hospital Association (AHA) Hospital Statistics, the average hospital stay cots $8,793, with the average length for adults age 65+ being 5.5 days, according to the National Center for Health Statistics. 

For many people that kind of out of pocket cost is not easy to come by. A Hospital Indemnity plan can ease that burden and make for a very affordable alternative to help your clients cover these unexpected costs. 

While there are quite a few Hospital Indemnity products available, the Secure Advantage Flex product from Heartland National has some unique features not readily available through other product options.

Unlike many Hospital Indemnity products, the Secure Advantage Flex product from Heartland National offers Guaranteed Issue for ages 64 1/2 to 65 1/2, meaning you get 100% placement on your business for these applicants.  

Additionally it offers a 7% Household Discount for qualified applicants to help keep premiums more affordable.

Another key feature offered in this product is an Observation Unit Benefit paying a cash benefit for each day spent within an Observation Unit. 

Moving inpatients to an Observation Unit is becoming a more common practice within hospitals today, and many Hospital Indemnity products do not offer this benefit leaving your client open to unexpected costs.

While the Observation Unit Benefit, along with Daily Inpatient Hospital Benefit and Emergency Room Benefit is a standard inclusion for this product, it lives up to its name of Secure Advantage Flex by giving you additional optional benefits to truly tailor the product to your clients’ needs. 

These optional benefits and riders include:

  • Lump Sum Cancer Benefits
  • Ambulance Benefits
  • Lump Sum Hospital Confinement Benefits
  • Lump Sum Outpatient Surgery Benefits
  • Skilled Nursing Facility Benefits
  • Wellness Benefits
  • Dental, Vision, and Hearing Benefits

Finally in an effort to make doing business with Heartland National easy, they offer a simple to use electronic application or straight telesales application which can both be used to help complete sales remotely and quickly.  However, you old-timers shouldn’t fear, they still have a paper app for use, if you prefer.

Combine all of this with competitive rates and a handsome commission including lifetime renewals, and it truly makes an outstanding addition to your senior market portfolio.

Not appointed with Heartland National? I encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: Hospital Indemnity, product spotlight, Heartland National

Medico: How the Hospital Indemnity observation unit benefit works

Posted by www.psmbrokerage.com Admin on Wed, Sep 12, 2018 @ 11:33 AM

Medico Hospital Indemnity Plans

Hospital Indemnity plan pays observation unit benefit even when the patient is sent home.


It's not uncommon for hospitals to admit patients to an observation unit when physicians can't determine whether admission is necessary. In the majority of cases, a patient will stay in observation for between 24 and 48 hours. The following is an example of how this might work.

Susan*, a Minnesota resident, went to the emergency room with abdominal pain. The doctor who examined her decided not to admit her as an inpatient and kept her in the observation unit instead, where she was monitored by the hospital's nursing staff. After 48 hours, she was discharged to go home.   

If Susan has a Hospital Indemnity plan, the observation unit benefit will pay benefits even though Susan was discharged rather than being admitted to the hospital. The observation unit benefit of this policy pays 100% of the hospital confinement indemnity benefit amount for up to six days each calendar year. If Susan's hospital confinement benefit amount is $250 per day, her policy will pay the same amount for her observation unit services, or $500. These benefits are, of course, in addition to any benefit payments she receives from major medical insurance, Medicare or a Medicare Supplement plan.  

If Susan has a similar incident later this year, she will still have four days of observation unit benefits available to her.  

Talk to your clients today about Medico's Hospital Indemnity plan. Marketing materials available on MIC, our agent website, include brochures, a product flyer, a postcard, and a customer presentation.     

Additional Updates:

Tags: medico insurance, Hospital Indemnity, product spotlight

Product Spotlight: Shenandoah Life Medicare Supplement

Posted by www.psmbrokerage.com Admin on Thu, Sep 06, 2018 @ 03:04 PM

Shenandoah Life Medicare Supplement Plans

PSM Product Spotlight


In the spotlight today is
Shenandoah Life

For nearly 100 years now Shenandoah has provided consistent, exemplary service to all of it's clients. They certainly have earned their legacy of compassion and integrity. If you are selling Medicare Supplements, Shenandoah Life will be a great addition to your portfolio.


Let's take a look at some highlights.


Shenandoah Medicare Supplement Highlights:

  • Competitive Premiums - Market leading Plan G and Plan N Rates
  • Low Rate Increase History - In addition to being in the market for 4+ years
  • Excellent Commissions
  • Household Discount - Liberal definition in most states
  • Top Level Service and Support
  • Easy to use e-Application
  • Rated A- (Excellent) by AM Best

Product Description:

Shenandoah Life values the relationship it has with its sales representatives. They want to be your go to company for products that address specific needs of your clients – helping to address their problems and concerns in a direct and clear manner. Your contract to sell Shenandoah Life products delivers the following:

  • A commitment to develop products that address your customers' specific needs.
  • Streamlined processing.
  • Support from a customer service team that is dedicated to agents and customers.
  • Fast and easy web services, personalized on-line sales reports, policy access and much more.

Not appointed with Shenandoah Life? I encourage you to learn more and put this in-demand product in your portfolio, 
request details here

Agent Guide     Available States

Additional Updates:

Tags: Medicare Supplement, shenandoah Life, product spotlight

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