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Rates will decrease in most states, while commissions stay the same!
Mutual of Omaha was the first carrier to release rates for its highly anticipated 2010 Medicare Supplement products.
Which means that right now Mutual is the only Medicare Supplement product you can sell to clients who are turning 65 after June 1, 2010.
Call 1-888-747-3804 to find out rate information for your area.
Or Request More Information Here
No new contract required for agents already contracted with Mutual.
When the 800-lb Gorilla moves, it's best to either move with it or get out of the way. It will be interesting to see what the rest of the industry does now that Mutual has thrown its weight around.
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 Learn more about the Medicare Improvements for Patients and Providers Act (MIPPA) at www.2010MedicareSupplement.com
The NAIC's Medigap Modernization changes will drop some existing plans and coverages, while adding others.
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Two new Medigap Plans M & N will be available in 2010 |
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Medigap Plans E, H, I and J will no longer be available for new sales |
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"At-Home Recovery" and "Preventive Care" benefits will be dropped from all plans |
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New Hospice Benefit will be added to all plans |
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Insurance carriers will be allowed to offer plans that include "New" or Innovative Benefits, such as eyewear or hearing aid benefits. |
So far Mutual of Omaha is the only carrier to release rate information for these new plans.
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Health Care Reform Update
Don’t look now but it seems we're on the brink of reform becoming a reality.
The House has already passed its version of the bill by a narrow 220-215 margin, and the Senate voted 60-39 to bring their 2,000-page, $849-billion bill to the floor for debate. It could be a few weeks before the Senate actually votes on a final bill. In the meantime, check out how the two bills compare on price, taxation, and new regulations.
Senate, House Democratic Health Bills Compared
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 Receive UHC MA Leads in Your Area at No Cost
If you are certified with UnitedHealthcare through SMS, you are already eligible to begin receiving leads as they become available in your area at no cost! We just need you to specify what geographic areas you would be willing to work leads from. Simply log into Agent Advantage here and enter the counties you currently sell in.
Questions? Call 1-877-645-0147
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Direct Mail Solutions for the MA, PDP Selling Season
We have CMS-approved direct mail campaigns ready for you to order.
Average response rate over 2% in dozens of multi-state trials!
To get started, log into Agent Advantage and click on "Mailings." (New user? Get an account)
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Need a Cheat Sheet this AEP?
Download these quick-reference guides to get time-saving information on how to order supplies and submit new business with Senior Market Sales in 2010.
2010 Medicare Advantage, Part D Supply Cheat Sheet
2010 New Business Submission Cheat Sheet
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 Leisure Travel a Popular Option for the Holidays
While many people are planning road trips or flights to visit relatives this holiday season, others will enjoy some relaxation time on a cruise.
However, a relaxing week at sea can get very expensive if illness strikes. Travel insurance can help your clients deal with those unforeseen emergency expenses. Read More.
Travel Insurance Center makes it easy for you to extend these benefits to your clients. Just sign up for our Travel Insurance Center affiliate program today.
For more information regarding the Travel Insurance Center affiliate program and travel protection products,
Call Brandon, Alan or Dan at
1-866-979-6753 or 1-402-343-3699
info@TravelInsuranceCenter.com
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How To Open Secure Email From SMS
E-mails from SMS that contain sensitive information—such as social security numbers, account numbers or member IDs—will be encrypted. When you receive a secure email from SMS, follow these instructions:
To bring your own practice in compliance with the Hi-Tech Act, go to www.zixencryption.com. What is Hi-Tech and Secure E-mail?
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The SMS Agent Advantage newsletter is posted on the home page at www.SeniorMarketSales.com
Send contact changes to sms@seniormarketsales.com
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Join the Senior Market Sales
group on LinkedIn
Join the "Better Buckets Beta"
group on LinkedIn
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Special Offers
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Sell Medicare Supplement Online
Ready for 100% paper free sales? E-signature policies get issued faster, you get paid faster. Learn how you can sell Mutual of Omaha Medicare Supplements electronically today.
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E&O Insurance as low as $395/Yr
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Protect Yourself with
Secure E-mail Solutions
New laws mean you could be exposed to fines for unprotected e-mails. Learn how to protect yourself here
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Your Own
BPA Select Micro-site?
Call 1-877-645-4939 to find out how you can get your own site offering valuable content and retirement calculators for consumers.
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A New Breed of Income Rider
In our white paper, "Income Riders: A Balanced Perspective," we showed you some of the limiting factors (or "gotchas" as we like to call them) present in some Income Riders.
SMS is proud to offer a product that directly answers most of those problems:
The BPASelect Income Advantage™
Learn how this new breed of income rider gets rid of all the "gotchas" so it works the way your clients think it should work.
• 8% Minimum Roll-up (compounded)
• Income benefit doubles in the event of nursing home confinement
Request More Information Here
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Another Law Threatening Advisors?
Have you heard of the "Restoring American Financial Stability Act of 2009"? Learn how it could affect your practice here.
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5 Year-end
Planning Approaches
Year-end discussions are a great way for financial professionals to reinforce their credibility as trusted advisors. A smart year-end review should address a number of factors unique to each client’s situation, such as the tax bracket of the individual or business, current and projected income and personal circumstances. Read More.
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Guaranteed Universal Life (GUL) Sales Ideas
Distributing Assets Equally
Using GUL Complete
Many estate plans endeavor to pass along assets equally to children. While this is almost always possible, it may not always be practical. Some situations make it extremely difficult to divide the estate. Read More.
Covering Final Expenses
with GUL Survivor
Many married couples own their property jointly and are jointly responsible for debts. Therefore, there is often less expense at the first death, since property ownership is not transferred and debts continue to be managed by the survivor. Since the lion's share of these expenses occurs at the second death, GUL Survivor can be a great solution to the problem.
Understanding the Costs of Settling an Estate: This easy-to-use tool is great for helping producers review final expense costs with consumers.
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Time is Running Out on 9 in '09
Only one month left to qualify for Senior Market Sales’ exclusive 9 in '09 promotion with Mutual of Omaha.
What is 9 in '09? You get $900 when you have 9 Mutual of Omaha Long Term Care Applications, submitted through SMS, paid and issued in 2009.
What will we do in 2010? Stay tuned.
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Worksite:
The Future of LTCi Today
I just returned from the National LTCI Producers Summit in Kansas City and it really confirmed that there is new direction in LTCI sales—an area where LTCI sales are actually increasing! If you are not spending a portion of your time developing the worksite market, which accounted for 51% of all LTCI sales in 2008, you need to retool your business plan for the rest of '09 and into 2010!
Find out ideas for entering the worksite market and see real-world case examples of worksite sales.
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CMS Actuary:
CLASS Act Would Not Work
The chief actuary at the Centers for Medicare and Medicaid Services says a long term care provision in H.R. 3962, the House health bill, would not be financially viable. Read More.
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8420 West Dodge Road 5th Fl.
Omaha, NE 68114-3446
1-800-786-5566
SMS Employee Directory
Hours of Operation
Central Time
Monday - Thursday
7:30 a.m. - 5:00 p.m.
Friday 7:30 a.m. - 4:00 p.m.
Visit the SMS Website 24/7 for forms, quotes and more
For Agent Use Only
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