7 ways to sell Medicare Insurance in the 21st century by Samuel Halpern, Director of Internet Marketing Senior Market Sales, Inc
Since the beginning of the insurance industry, insurance agents have been selling insurance face to face with their clients, "at the kitchen table."
Many of the most successful producers in the senior market still sell this way 100% of the time and may never change their methods. Why fix it if it ain't broke, right? Well, many agents today are finding it more and more challenging to find prospects willing to open their doors, literally. Today, seniors are often less comfortable inviting strangers into their homes than used to be the case. Also, most agents today cannot survive as the neighborhood insurance agent. Agents need to expand their territory in order to find enough prospects to make ends meet. For better or worse, society is now wired up to the hilt. Between cable TV, satellite, regular phone service, DSL, wifi, and web tv, most seniors have access to the Internet, most have e-mail, and virtually all seniors have phone service . . .
Be one of the first SMS now offers the ability to enroll your clients in Mutual of Omaha Medicare Supplement electronically. Expand your ability to reach new clients without increasing your gas bill!
American National Life Insurance Company of Texas (ANTEX) Application by Phone If you have a phone that can do 3-way conference calling then you can sell Medicare Supplements with ANTEX and Standard Life and Accident Insurance Company (SLAICO) 100% over the phone: no paper, no pen, no mail, no email, no websites, no driving . . . no problem!
Application by Phone Procedures
Medicare Solutions, Did you know? — H.R. 6331 Made Easy In July, 2008, Congress overrode President Bush's veto of the Medicare Improvements for Patients and Providers Act of 2008. The law avoids a 10.6 percent provider pay cut. The source of funds needed to restore physician fees will come from a reduction in Medicare Advantage payments to health plans. With the passage of the legislation, carriers are awaiting guidance from CMS who will ultimately issue the regulations that constitute compliance. Many of the items in the legislation were included in CMS proposed regulations that were published in June, 2008. Is it the end of Medicare Advantage? Certainly not, but significant changes will follow.
Enroll MA and PDP clients online with CIGNA How would you like to enroll your clients online for MA and PDP plans with CIGNA on your own website? Your clients can enroll themselves on your website too!
Don't miss out on this "Golden" opportunity Aetna is the FASTEST growing Medicare Advantage plan in 2008.1
$0 MA-only and MA-PD plans available in many metros.2
Open Formulary on Prescription Drugs - All CMS approved drugs are on the list!
Step Therapy is not required for Part D.
Aetna pays medical providers the fastest3 and is Fortune's most admired health care insurance company that sells Medicare plans.4
Online certification for product by Aetna and Medicare basics through AHIP.
Call 1-877-645-0147 to learn details about Aetna's training incentive.
Place your bet on Humana Humana is proactive in regulation changes with 23 Statewide PPOs for 2009
Innovative benefits and top-notch customer service.
Online agent portal for accessing commission statements, training and more.
Value-added benefits for seniors may be the best in the industry.
Contract now and sell Humana in 2009.
New Medicare Supplement plan choices are coming By this time, most have heard about H.R. 6331. This bill was passed by both house and senate, vetoed and overturned. The headlines made us think that it was all about avoiding or delaying a cut in payment of benefits to doctors. Others made it about Medicare Advantage specifically Private Fee for Service plans and of course the funding of these plans. Certainly these were in the legislation and will have dramatic effects on these plans in a couple of years.
Mutual of Omaha Accidental Death Insurance Unintentional Injuries Are the Fifth Leading Cause of Death in the United States* Nothing can really prepare a family should the unthinkable happen. However, they can be protected with Accidental Death Insurance from Mutual of Omaha Insurance Company (Mutual of Omaha). Coverage beginning for as little as 21 cents a day. Ages 18 to 70 (18 through 64 in Minnesota)
55% commission special to SMS agents through Dec 31, 2008
To earn commissions you must be enrolled in our travel dept. affiliate program. Log into www.SeniorMarketSales.com and click the Travel button to become an affiliate.
Mutual of Omaha Accidental Death Insurance is an online internet product. Premium payment via monthly ACH checking or savings account.
Are you bi-lingual? Can you speak Spanish, Chinese or Japanese? Your talents are needed and we may have future lead opportunities just for you.
Call 1-800-786-5566 today to share your talents.
Get exclusive information you must know about your top prospects:
Stop by booth #913 at the SMA Expo and grab a complimentary copy of Retirement Reality Check (a $1200 value) that provides you the ability to identify all client assets in the first meeting, effortlessly cross-sell life, LTC and annuities and dramatically increase your average case size.
Request your complimentary copy 1-877-645-4939 Online Request
Final expense: A sale waiting to happen by Senior Market Advisor
Are you making final expense a part of every client presentation? If so, great. If not, consider this: In a 2005 survey by the National Funeral Directors Association, 90 percent of respondents said they thought funeral pre-funding is a good idea. In addition, 71 percent said they want to do this planning with a trusted financial advisor.
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1UBS Securities LLC - Managed Care Medicare Advantage report, February 13, 2008. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies. Plans are offered by Aetna Health Inc., Aetna Health of California Inc., Aetna Health of Illinois Inc. and/or Aetna Life Insurance Company (Aetna). Plan availability varies by county. Plan contains exclusions and limitations.2Plans not available in all areas.32008 PayerView(SM) Ranking 4Fortune Magazine, March 17, 2008
