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Senior Text Translator

Posted by www.psmbrokerage.com Admin on Wed, Sep 05, 2018 @ 03:54 PM

Senior Text Translator

As texting becomes more and more prevalent, I'm sure you’ve noticed your children (or maybe you’ve even done so yourself) adapting acronyms for common phrases to further speed up the process..

Phrases like "TTYL" (talk to you later) and even "BTW" (By The Way) have taken on a new understanding to those who use them often. Here is a humorous take on those acronyms for the senior crowd.

It's all in good fun. We hope you all have a wonderful Grandparents Day.

Senior-Texting-Translator

...

The senior market is experiencing rapid change and growth. It is imperative, now more than ever, for an independent insurance agent to have a valuable support base in order to succeed.

At PSM, we want to be that support base, and encourage you to come join us to see how our team of expert professionals can help you grow your business.

Best Regards,

Precision Senior Marketing

Additional Updates:


Tags: Humor, Senior Market

How to Become a Senior Market Insurance Rock Star

Posted by Carly Callahan on Thu, Sep 24, 2015 @ 10:56 AM

How to optimize your local reach to attract new clients

We've all fallen victim to a burnout of prospecting ideas at one point or another.

Agents- You know what I'm talking about...When you've gotten a big, fat 0% return on your direct mail drop investment, knocked on ten doors to hear "I think I'll stay with my company" in all ten instances, cold-called all of the leads you've purchased this quarter until you were blue in the face to only frustratingly be hung up on. You get it.

With AEP around the corner, you're in need of some fresh, innovative ideas to attract prospects and generate leads- So, what are the tricks in expanding your senior market insurance business to reach an all-time rock star status in your community?

How to optimize your local reach to attract new clients

1. Adopt an omni-channel approach

Embracing the growth of new digital and omni-channel capabilities provides clients and prospects with what they desire: convenient access to advice and assistance. The first step toward better-serving this need is to establish your digital presence.

With 55% of online users age 65 and over using Facebook in 2014, it is essential for you to create a Facebook Page to service and retain your existing clients. The smallest of interactions, like dropping by a client’s Facebook to post a comment celebrating another rotation around the sun, helps emphasize your appreciation for their business. Not only will your Facebook Page improve the overall client experience, but also serve as a solid foundation for prospects to gain insight toward your role as a senior market insurance specialist.

While nearly 33% of participants in GenRe’s recent study: The Role of the Agent in Medicare Supplement Sales reported seeking assistance and not receiving any type of help, it is critical for you, as a senior market insurance specialist, to affiliate your name and business with the zip code you serve on search engines. Suggestions upon how you may go about getting in touch with those senior prospects looking for advice-oriented services include creating a Google My Business account, registering for a free membership with AgentReview, becoming a Sub Moderator on Reddit for r/insurance, and, if applicable, financially and educationally investing in SEO practices for your personal website.

2. Facilitate interactions with advice-oriented sales and services

Outside the realm of selling senior market insurance products, it is in both your and the client's best interest to offer advice on risk management and value-added servicing (such as claims). In doing so, you will continuously build rapport within your community as a senior market insurance specialist so that prospects know where to turn when the time comes.

Digitally, there are multiple platforms for senior market insurance agents to engage with not only prospects who need advice, but also other agents, such as Insurance-Forums and the Inbound Insurance Marketing community on Google+.

You may also go about prospecting by physically placing promotional advertisements or branded products within local facilities with respect to senior market purchasing habits. For example, heading to an independently-owned golf course and asking the owner if he or she would be willing to accept a donation of 1,000 (or more) score cards if, in exchange, you were granted the opportunity to place a small ad upon them in the printing process. Same goes for bookmarks to book stores, calculators to tax centers, piggy banks to banks, coffee mugs to coffee shops or restaurants, coasters to furniture stores- etc.

I have also seen posts within Insurance-Forums regarding agents' technique in placing ads upon prescription bags at local pharmacies. I, however, am an out-of-the-box thinker and decided to get creative, ditch a logo and throw in a catchy slogan upon senior-related products to place at the pharmacy pick-up window for our independent agents with multiple carriers. Take a peek at these ideas:

Promotional idea to attract prospectsPromotional idea to attract prospects

Check out AnyPromo and see what awesome ideas YOU can come up with to promote your business. (If you happen to be reading this before 10/17, be sure to use coupon code: PINK25 for $25 off your order of $250 or more or PINK75 for $75 off your order of $500 or more!)

3. Leverage data to achieve insight-driven actions and outcomes

Be sure to keep up-to-date with the political, social and economic trends and changes within the senior market insurance industry. You may do so by bookmarking and frequently revisiting resources, such as LifeHealthPro's Boomer Market and Senior Market sections, SeniorJournal, AARP's Medicare section, The New York Times' Medicare section, and most certainly the Medicare and CMS blogs.

Or, just simply subscribe to Precision Senior Marketing's Medicare Blog- We'll do the leveraging work for you, but we want to hear your ideas!

So, how do YOU prospect in your community?

Please, share your thoughts with me in the comments section below.

https://www.linkedin.com/pulse/how-become-senior-market-insurance-rock-star-caroline-callahan

Source: www.linkedin.com

Additional Updates:

Tags: Insurance, Senior Market, Prospecting new clients

The Role of the Agent in Medicare Supplement Sales

Posted by www.psmbrokerage.com Admin on Thu, Aug 27, 2015 @ 11:12 AM

The Role of the Agent in Medicare Supplement Sales

Medicare enrollment is on the rise, and it shows no signs of slowing. Consider this: It is projected that the 65+ population will double in size by 2030 when it will reach 71.5 million, and by 2050 it will be over 86 million.1 With this growth in Medicare buyers, no one should be surprised that an increasing number of consumers are looking for supplemental coverage to bridge the gaps left by Medicare.

The need to effectively educate and engage consumers has never been greater. At the end of last year, we conducted consumer research to learn more about how the senior population navigates the health insurance decision-making process, and what level of engagement exists between them and insurance agents.

This research was a follow-up to a qualitative consumer study we conducted in 2013 that evaluated Medicare Supplement insurance buyers and non-buyers (see more details at end of article). For the recent study, our researchers tested some initial findings from the 2013 research in which we categorized buyers as “Info-Takers” or “Info-Seekers.”

Topics we explored through this latest study included consumer engagement with agents and the role the agent plays in the decision-making process, the health insurance education process, and when and how consumers evaluate their coverage options. In this article, we discuss what we found to be some of the most useful takeaways.

Research Background

Conducted in December 2014, our research targeted two distinct groups of consumers:

  • 65-year-olds (950 participants)
  • 66–75-year-olds (800 participants)

Participants were obtained through a national survey panel. Responses were collected via telephone and online and were weighted based on Internet usage levels and leveraging Pew Research statistics. All participants were U.S. residents and had health insurance coverage beyond Medicare Part A and/or Part B, with additional coverage of either Medicare Advantage or Medicare Supplement insurance.

Key Survey Findings

Agents’ Influence on the Plan Selection Process

Nearly 60% of consumers surveyed shared that they received assistance from a professional. Surprisingly, 56% had already made their decision on whether or not to enroll in Medicare prior to receiving assistance from a professional. However, many may have selected a different option after meeting with the agent.

For those that received assistance with the decision-making process, fewer than 20% of them were contacted without having any prior conversation with that agent. The majority - nearly 40% - selected an agent based on a recommendation from a family member or friend. Referrals also came from former employers, physicians or financial planners.

Only about 20% of consumers said they connected with their agent by responding to an advertisement or mailer. This was an interesting finding considering the deluge of marketing materials sent to consumers upon turning age 65.

In our 2013 consumer study, we found that individuals received so many marketing mailers about Medicare Supplement insurance options that they only paid attention to the first few received and then tossed the majority of them in the trash without reading them.

When deciding which health insurance option to select, 31% of participants reported wanting a high degree of assistance from a professional. Those that sought support were looking for help in a variety of areas including:

  • Researching the plan options
  • Making the selection
  • Identifying what companies are available for selection
  • Choosing from the companies presented
  • Completing the enrollment process

About 30% of consumers said they looked for considerable or high-level assistance across all of these areas. [See Exhibit A]

Exhibit A. Percentage Reporting They Desire Considerable or High Level of Assistance in Selecting a Medicare Supplement Plan

Percentage Reporting They Desire Considerable or High Level of Assistance in Selecting a Medicare Supplement Plan
Source: Gen Re, 2014

Unfortunately, nearly a third of consumers that indicated they were seeking a high degree of assistance did not end up working with a professional at all. These individuals either didn’t know where to turn for help, or chose to seek advice from family or friends rather than a professional. Individuals with this profile would therefore be excellent candidates for outreach by agents as they aren’t receiving the level of assistance they seem to desire.

Agents’ Influence on Buying Decisions

Our data shows that the majority of the time agents clearly influence consumers’ buying decisions regarding a Medicare Supplement plan.

For example, among the cohort of consumers who felt they needed a lot of direction/advice on which plan to select (and for whom an agent made a recommendation 72% of the time), they reported going with that plan nearly 95% of the time. Those consumers went with that plan 94% of the time. Even with those individuals who felt they already knew or had a strong idea about which plan they wanted, agents made recommendations 60% of the time, and once again, the recommended plan was selected the majority (88%) of the time.

The same holds true when selecting which company to choose for purchasing Medicare Supplement insurance coverage. Consumers who felt they needed a lot of direction/advice were offered a recommendation 62% of the time, and they selected the company recommended 92% of the time. For those who felt they already knew or had a strong idea of which company they would select, agents gave a recommendation just under 50% of the time, and the consumers opted for that choice 93% of the time. [See Exhibit B]

Exhibit B. Influence of Agent Recommendation When Selecting a Company for Medicare Supplement Insurance

Influence of Agent Recommendation When Selecting a Company for Medicare Supplement Insurance
Source: Gen Re, 2014

We dug deeper into the agent influence data and found a difference between when the consumer initiated contact after receiving an advertisement and when the agent initiated contact. When consumers initiated the contact with the agent, they opted for the carrier with the lowest cost option more often than when they had received a referral or if the agent had contacted them directly. We also learned that when the consumer was referred to the agent, which occurred most often, the majority of the time (nearly 60%) these individuals selected the company with a reasonably priced option, but not the lowest. [See Exhibit C]

This could indicate that consumers who initiated contact with the agent had already done research on which plan they wanted, and had determined their best options from the various companies available.

Exhibit C. How the Selected Insurance Company Compared to Other Companies Offering Medicare Supplement Plans

How the Selected Insurance Company Compared to Other Companies Offering Medicare Supplement Plans
Source: Gen Re, 2014

Another significant result we found was that when consumers had received no previous assistance at all from an agent, they were far more likely to select a company they’ve used before. About half of participants indicated this, and another 45% reported they selected a company that they were aware of but had never used. Interestingly, when an agent provided assistance, consumers were more likely to select a previously unknown company.

Customer Communication Preferences

Among those that met with a professional, over 65% had a one-on-one meeting. While consumers appear to prefer in-person contact, agents seem to be missing opportunities during those meetings to advise their clients on other insurance products that may be of interest. In fact nearly 80% of respondents shared that they do not work with the agent to purchase any other product.

In addition, nearly half (46%) of consumers reported that their health insurance agent had not kept in contact with them once they sold the policy. However, when asked how often consumers wanted to be in touch with their agents, the majority (46%) said at their policy anniversary date. About a third reported wanting to be contacted with important updates.

Very few, only 12%, said they never wanted to be contacted. Even for those who had kept in contact, over 50% of consumers, not their agents, initiated the contact with the agent at their first anniversary date. [See Exhibit D]

Exhibit D. Preferred Level of Contact With Original Agent

Preferred Level of Contact With Original Agent
Source: Gen Re, 2014

Of those that prefer to have an ongoing relationship with their agent, nearly 70% said they prefer contact by telephone or email. Apparently, this is an area where agents are not meeting their customers’ needs.

We also asked participants ages 66–75 if they had changed their Medicare Supplement plan selections or switched companies since they originally purchased their coverage. We were surprised by their responses - less than 30% had made a change to their coverage since turning 65 and selecting Medicare. The older segment of this group (those ages 71–75) were more likely than the younger group (65–70) to have done so.

Even more surprising was that the consumers, not agents, had initiated this switch - nearly 60% of the time. According to our findings, agents initiated the switch less than 10% of the time. While consumers appear to be driving these decisions to switch companies, agents definitely can help them understand how they compare.

In Summary

Consumers clearly value recommendations provided by agents concerning Medicare Supplement plans, regardless of whether they initiated the contact with the agent or not. They prefer to have an ongoing relationship with the agent and are looking for the agent to stay connected with a phone call or email at the anniversary date, or with important updates to share.

Referrals from family members, friends, physicians and financial advisors are the more common ways that consumers get connected to agents. Therefore, we believe that maintaining strong relationships with consumers after the initial sale is the best way for agents to secure new business opportunities.

While agents do not appear to drive consumers’ decisions to switch plans or companies, when consumers are considering if they want to make a change, agents are helpful in comparing the options. When making a decision to switch, consumers were more likely to choose a lower cost option.

Another way agents help consumers to make decisions is to introduce them to companies that are not familiar to them. The likelihood of consumers selecting an unfamiliar company for coverage increases if an agent makes the recommendation. We will share other findings from this survey in the coming weeks in blog posts and webinars.

Findings Compared to 2013 Study

Our latest quantitative study supports a variety of findings from our initial consumer research on seniors. For example, some consumers, also known as “Info-Seekers,” are far more likely to follow a do-it-yourself approach when researching health insurance options after age 65. These individuals will drive the decision-making process but still value agents’ recommendations.

We saw a strong tendency for these individuals to be healthy, and healthier consumers are less likely to desire a high level of agent assistance.

Info-Takers vs Info Seekers

Overall, agent involvement in the decision-making process is valued when consumers are selecting which plan and which company for purchasing their coverage, and they are less likely than unhealthy consumers to review their health insurance options every year. The data also indicates that this group of consumers received a higher level of formal education and has higher household incomes.

Endnote
  1. CSG Actuarial

http://media.genre.com/documents/bulletinlh1505-en.pdf

Source: www.genre.com

Additional Updates:

Tags: Medicare Supplement, Senior Market, Insurance Agents

8 ways to successfully sell to seniors

Posted by www.psmbrokerage.com Admin on Thu, Mar 12, 2015 @ 03:12 PM

blog pic Seniors are by far the fastest growing market segment in the United States. It’s also one of the most lucrative. According to the latest U.S. census, this demographic comprises 37 percent of the total U.S. population and will grow to 45 percent this year. Seniors also possess approximately $1.6 trillion of all the disposable income in the country and have a combined household net worth of around $19 trillion. They also spend a cool $7 billion online each year.

So it should be no secret then that insurance agents will find the senior population an attractive market to serve. The key to doing so successfully, though, is in the art of the sell. It’s going to take a bit of adjustment on the part of brokers. Their buying habits are different from the Gen X crowd and certainly Millennials, particularly when it comes to Medicare-related policies. Before you make your first call, be prepared to “be” the following eight things:

  1. Be more personable.
  2. Be a sounding board to their own ideas.
  3. Be focused on their quality of life.
  4. Be easy to work with.
  5. Be digital.
  6. Be cognizant of the emotions involved.
  7. Be there for life.
  8. Be a resource.

 


http://www.lifehealthpro.com/2015/03/04/8-ways-to-successfully-sell-to-seniors...

 

Source: lifehealthpro.com

Additional Updates:

Tags: Sales Tips, Senior Market, sales advice

Many pre-retirees planning to work longer years

Posted by Guadalupe Cantu on Fri, Dec 13, 2013 @ 11:35 AM

Medicare Supplements Seven in ten pre-retirees plan to work past the median age of 65; while 37% of retirees’ decision who opted for this approach was based to address post-retirement health care risks and financial management needs in retirement.

In a report by the Society of Actuaries (SOA), “2013 Risks and Process of Retirement Survey,” provides insights on how Americans decide to retire and how they manage resources in retirement.

The survey's findings include:
  • Thirty-eight percent of pre-retirees expect to retire by ages 65 to 67 while 15 percent do not expect to retire at all.
  • Forty-one percent of pre-retirees plan to stop working for pay all at once, compared with 78 percent of retirees who stopped working for pay all at once. Another 35 percent of pre-retirees plan to work for pay part-time or periodically.
  • Health problems would be the primary reason for an early retirement, according to 42 percent of the surveyed pre-retirees.
  • One-quarter of both pre-retirees (25 percent) and retirees (27 percent) say disability, or no longer being able to cope with the physical demands of the job, would lead to an early retirement.
  • Both retirees and pre-retirees plan to reduce spending, increase savings and reduce debt to manage retirement risks. Ninety percent of both pre-retirees and retirees plan to eliminate all of their consumer debt.
  • Ninety three percent of pre-retirees plan to save as much money as possible and 88 percent of pre-retirees plan to cut back on spending to manage risks.
  • Both retirees and pre-retirees have a median planning horizon of ten years. Around 45 percent of pre-retirees think it is very possible to plan for day-to-day expenses, though they are less likely to plan for other issues in retirement. 
Chart: Pre-Retiree Reasons for Not Expecting to Retire

Pre-retirement Chart

Please give us your feedback!
Question: Will pro-longing retirement help seniors save money for post-retirement health care risks and financial management needs?

Source: LifeHealthPro
Additional Updates:

Tags: retirement, pre retirees, Society of Actuaries, Life Planning Strategies, Boomer Market, Senior Market

CMS keeps steady Medicare Part B premiums

Posted by Guadalupe Cantu on Fri, Nov 08, 2013 @ 10:50 AM

Medicare Supplements The Centers for Medicare & Medicaid Services (CMS) have decided to keep Medicare Part B monthly premiums at bay.

Medicare Part B helps pay for physician services, medical supplies, and other outpatient services not covered by Medicare Part A service plan.

In 2014, the monthly base actuarial rate for seniors’ participants will be $209.80 per month, while those low to moderate-income enrollees will pay premiums at $104.90.

2013 monthly premium levels remain unchanged and the $147 deductible will continue for Part B plans per year.

Less relevant to participants are the Medicare Part A hospitalization premiums, this is highly due to about 99% of Medicare enrollees qualify for Part A coverage without having to pay a premium, says CMS.

In a notice published at the Federal Register, October 30, CMS notice, CMS-8055-N, enrollees that do pay monthly premiums will range between $15 $426 in 2014.

An income-related monthly adjustments amount has been imposed by the Medicare program on beneficiaries with an annual taxable income less than or equal to $85,000 or joint annual taxable income less than or equal to $170,000, is $104.90.

The most a Medicaid enrollee can pay in monthly premium is $335.70, with an annual taxable income greater than $214,000 or joint annual taxable income greater than $428,000.


Please give us your feedback!
Question: Do you think the government will keep Medicare Part B premiums at bay in 2015 or will there be a premium hike?

Source: LifeHealthPro
Additional Updates:
    • Omaha Insurance New Med Supp Outlines in Virginia
      November 2013 Med Supp rate Outlines for VA. Learn More

      - Med Supp Application for VA. Learn More
    • 2014 Medicare Advantage and Part D Certifications are now available! Learn More

Tags: Beneficiaries, Centers for Medicare & Medicaid Services, Medicare benefits, Medicare Part A, Medicare Part B, Medicare, Senior Market, Medicare News, Medicaid

Medicare Advantage Plan Enrollment Hits Record High

Posted by Lauren Hidalgo on Fri, Jun 14, 2013 @ 09:53 AM

Medicare Supplements In 2013, there are currently 14.4 million Medicare beneficiaries enrolled in Medicare Advantage. This is an increase of more than one million (9.7%) from 2012 and sets a record high for enrollees. Even though there were concerns that payment changes from the Affordable Care Act of 2010 (ACA) would lead to fewer enrollments, it has seen an increase of 30% since 2010. About 28% of Medicare beneficiaries are enrolled in Medicare Advantage plans today and there is very little evidence of an adverse effect on enrollment in low versus high cost counties as a result of payment rate change in the ACA.

Don’t overlook the importance of adding a competitive Hospital Indemnity Plan to your senior care portfolio.


This growth is a continuation of the rapid growth in enrollment that occurred at the same time as the introduction of Part D in 2006. Also, the implementation of other changes to the Medicare Advantage program authorized by the Medicare Prescription Drug, Improvement and Modernization Act (MMA) of 2003. This growth has happened despite the fact that the average number of plans available to enrollees nationwide declined from a high of 48 plans in 2009 to only 20 plans in 2012 and 2013.

With the Annual Enrollment period coming up, be sure to check out our Medicare Advantage product portfolio to make sure you have the best company rates in your area. If you have any questions about the products we offer or the Medicare Advantage market, please call our marketers at 1-800-998-7715.


Please give us your feedback!
Have you seen an increase in your Medicare Advantage business? Does this news make you want to add Medicare Advantage to your senior market portfolio?

 

Source: KHN

Additional Updates:
  • AK, CO, DC, and NJ Agents: There's a New Med Supp in Town - Learn More
  • PA Agents: The Next Big Med Supp - Learn More

Tags: Medicare Advantage, Senior Market, Combined Insurance Medicare Supplement, Medicare Advantage News, Medicare Advice, Cigna Medicare Supplement

MA Enrollment On The Rise- An Untapped New Opportunity

Posted by Lauren Hidalgo on Fri, May 17, 2013 @ 09:05 AM

Medicare Supplements

Introducing Hospital Indemnity plans designed specifically for Medicare Advantage members that cover Primary Care Doctor Visits, Inpatient Hospital Co-pays or Co-insurance, and much more. The average hospital stay for someone age 65 and over is 5.5 days. Would your average Medicare Advantage client be able to readily cover a $250 per day as a co-payment for days 1-5, totaling $1250?

Of the 14,500,000 people currently enrolled in a Medicare Advantage Program 56% of them are on a zero premium plan, many of which provide the member with a considerable monthly Part B premium giveback. With a Hospital Indemnity plan you can offer your clients a way to take their Medicare Advantage Part B premium giveback and apply it toward their plan to help them cover many of their most common co-payment with Medicare Advantage.

Benefits of a Hospital Indemnity Plan Include:

  • Hospital Admission for Days 1-5
  • Ambulance Transportation
  • Emergency Room Coverage
  • Laboratory & Radiology Benefits
  • Skilled Nursing Facility Benefits
  • Primary Care Doctor Office Visits (No Prior Hospital Stay Required)
  • Annual Wellness Benefits
  • Preventative Care Benefits

The Centers of Medicare and Medicaid Services (CMS) have said that a Hospital Indemnity Plan can be marketed and sold during a Medicare Advantage appointment as long as it was agreed on the Scope of Appointment form. You can also go back to your current clients with Medicare Advantage and do a basic Needs Analysis to see how the Hospital Indemnity Plan will benefit them and limit their out of pocket costs.

Not only will you be able to show your Medicare Advantage clients an affordable way to help protect themselves financially from large Maximum-Out-Of-Pocket (MOOP) liabilities, which can be as large as $6,700, but it’s also a great way to increase your commissionable income.

PSM offers several options for Hospital Indemnity. Plans from Sentinel Life, Equitable Life, GTL, and Heartland National are all available to be added to your portfolio. Please give your marketer a call at 1-800-998-7715 for more information on this versatile product for your senior insurance clients.

Article you may want to take into consideration for future product offering strategies

Coming Surge in Medicare Advantage?
Enrollment May Rise 50 Percent in Next 10 Years
By Alex Wayne and Alex Nussbaum – Bloomberg – May 16, 2013

Enrollment in the U.S.-funded Medicare plans run by UnitedHealth Group Inc., Humana Inc. and other insurers may rise 50 percent in the next decade rather than declining as predicted earlier, U.S. budget analysts said. Medicare Advantage plans for the elderly and disabled will swell to 21 million participants by fiscal 2023 from 14 million this year, the Congressional Budget Office said yesterday in its annual review of the federal budget. The CBO didn’t explain the revision from its previous estimate that enrollment would fall to 11 million and a spokeswoman didn’t respond to an e-mail. The reversal shows that a recent slowdown in health-care cost growth may be permanent, said Joseph Antos, a health economist at the American Enterprise Institute in Washington who has advised the CBO in the past. http://www.bloomberg.com/news/2013-05-15/unitedhealth-humana-may-see-surge-in-medicare-advantage.html


Additional Updates:

Tags: Hospital Indemnity, Sales Tips, Senior Market, Cigna Medicare Supplement

New Rates from Equitable Life Med Supp

Posted by Lauren Hidalgo on Fri, Feb 15, 2013 @ 09:29 AM

Equitable Life Medicare Supplement


We are pleased to announce that with Precision Senior Marketing, you now have the opportunity to offer Equitable Life's Medicare Supplement Plans. For over 75 years, Equitable Life has provided top-notch Life and Health insurance plans, backed by superior, friendly personalized service, to consumers and agents across this country.

Now is a great time to add Equitable Life to your senior portfolio and provide your senior clients with some of the most competitive plans in the market.

Equitable Life has New Lower Rates on their Medicare Supplement Plans

13 States Approved with New Lower Rates:
AL, DE, IA, IL, KY, MI, MT, NM, NV, OK, SD, TN & VA

More State Approvals Coming Soon:
AR, AZ, CO, CT, GA,ID, IN, KS, LA, ME, MO, MS, NC, ND, NE, NH, OH, OR, PA, SC, TX, UT, WV, WY

Please see the Equitable Life Med Supp Competitive Comparison for how Equitable’s rates stack up against the competition.

Agent Benefits Include:

  • Competitive Rates
  • Excellent Commissions
  • Direct Company Contract
  • Advancing Available
  • Voice Application - Great for phone sales
  • 5 Star Service and Support



Request Information

 

Additional Updates:
  • Introducing Competitive Med Supp Rates from Equitable Life - Learn More

Tags: senior market news, Medicare Supplement, Senior Market, Medicare News, Equitable Life Medicare Supplement

Senior Texting Codes

Posted by Lauren Hidalgo on Thu, Dec 13, 2012 @ 10:10 AM

Medicare Supplements As you unwind from a hectic AEP and gear up for the holiday season, we thought we’d share something lighthearted for the blog this week. As texting becomes more and more prevalent, I'm sure you’ve noticed your children (or maybe you’ve even done so yourself) adapting acronyms for common phrases to further speed up the process. Phrases like "TTYL" (talk to you later) and even "POTUS" (President of the United States) have taken on a new understanding to those who use them often. Here is a humorous take on those acronyms for the senior crowd.

ATD - At the Doctor's

BFF - Best Friend's Funeral

BTW - Bring the Wheelchair

BYOT - Bring your own teeth

CUATSC - See You at the Senior Center

DWI - Driving While Incontinent

FWIW - Forgot Where I Was

FYI - Found Your Insulin

GGPBL - Gotta Go, Pacemaker Battery Low

GHA - Got Heartburn Again

LOL - Living on Lipitor

TOT - Texting on Toilet

TTYL - Talk to You Louder

WTP - Where are the Prunes?

PSM wishes all of our agents a happy holiday season and New Year. If you have any questions about your current products or would like some advice for planning 2013’s business plans, give your marketer a call at 1-800-998-7715.


 

Source: E-Blast

Additional Updates:
  • Plan "G" - Increasing Sales for many PSM Agents - Learn More
  • Gerber Medicare Supplement Rate Adjustment for CO, MD, NH - Learn More
  • Assured Life Medicare Supplement Rate Release for NE - Learn More

Tags: Humor, Senior Market, Assured Life Medicare Supplement, Gerber Life Medicare Supplement

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