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Looking for ways to become more organized and efficient this Selling Season?
Our free Lead Advantage can help you streamline your processes by organizing all these functions in one simple system:
- Manage incoming leads
- Schedule follow-ups and appointments
- Searchable forms library
- Generate quotes
- Generate pre-populated applications
- Send quotes electronically
- Send apps electronically
Watch the video tutorial to see how Lead Advantage can help you leverage your time, make more money and put your business in a position of distinction.
Sign Up at www.SeniorMarketSales.com in the yellow Agent Advantage box.
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 Med Supp Can Fill the Gap for Those Losing Coverage
Thousands of Medicare-eligible seniors will soon find themselves without health coverage due to the following circumstances:
- Many employers are dropping retiree health coverage
- This year three of the largest MA carriers are dropping PFFS
- Consumers dropping current coverage and returning to Original Medicare
Don't squander your window of opportunity to capture this influx of prospects.
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Prospecting Items for People Losing Coverage
5 Reasons to Choose a Medicare Supplement Insurance Policy — This brochure highlights Med Supp guarantee issue situations and must be used with this cover letter.
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Solutions for Group Enrollments
Premium Payment List Bill Program for Employer's Retirees — This program simplifies the premium paying process for employers and you by placing all program participants (minimum 3) on one billing statement.
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Guidelines for Switching Consumers from MA to Med Supp — Important dates and definitions to keep in mind when switching someone from MA to Med Supp.
Questions? Call us at 1-877-888-9996
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CMS Announces 2010 Medicare Premiums and Deductibles
Part A Deductible: $1,100
Part B Deductible: $155
Hospital reimbursement: $275 per day (days 61-90); $550 per day (days 91-150)
Skilled Nursing Facility Co-insurance: $137.50 per day (days 21-100 each benefit period)
Part B Premium: will remain $96.40* for most benficiaries
*Part B Deductible will increase for about 1 in 4 beneficiaries who are not subject to the hold-harmless provision because they are new enrollees (3%), they additional premium due to higher income (5%), they don’t have Part B premiums withheld from social security benefit payments (19%).
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Coventry Agents Must Re-Certify by this Friday to participate in PFFS to CCP Conversions!
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 How Does Your MA Plan Measure Up?
If you want to find the best plan for your clients, it's important to take a 360-degree look at all the plan benefits—don't just get stuck on $0 premium.
To help you with this, Senior Market Sales, Inc. has devised a calculator (which is pending CMS review and approval) that allows our staff to score a Medicare Advantage based on its benefits—premium, MOOP, PCP co-pay, in-hospital co-pays.
Learn More about the Calculator Here
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Time is Running Out
The AEP is rapidly approaching, and time is running out to get contracted and certified.
Senior Market Sales can help make sure your run with the best in 2010. As you can see from the list below, we work with the top carriers in the industry.
Click the links for more details on each plan.
Aetna
Arcadian Health Plans
CIGNA
Coventry
SilverScript
UnitedHealthcare®
Universal American
Need help deciding? Use our QuickQuote Search© tool to find the best plans in your area in seconds.
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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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SMS Super Bowl of Sales Contest
E&O Insurance as low as $395/Yr
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BPASelect Bonus and Commission Increases
Premium Bonus on the BPASelect 10 and 12 increased from 6% to 8%.
50 bps commission bonus to producers whose issued premium for BPA 12 between now and the end of the year exceeds $350,000.
Learn More
What makes the BPASelect™
so revolutionary?
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What Percentage of Households Have a Written Financial Plan in Place?
Find out in the 2009 National Consumer Survey on Personal Finance.
Creating a Financial Plan for your clients was a major topic of discussion at the Index Workshop Senior Market Sales hosted in Omaha on Oct. 6th & 7th. The agents who attended left with approximately $5,000 worth of financial planning software (for free) and dozens of sales ideas ready to help them increase their life and annuity production.
Learn More
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How to Position Life Insurance as an Asset Class
10-minute video on how you can position life insurance as an asset class that offers your clients stability in their portfolio.
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Americans Hang onto
Life Insurance,
Despite Financial Woes
During the recession many experts predicted that a significant number of existing policyholders would drop or reduce their coverage during the national belt-tightening.
Two separate surveys suggest that has not been the case.
Read More
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Take 10 with NACOLAH
If you're looking for the lowest-cost coverage projected to age 120, look to the Custom TermGUL.
View seven-minute video here
The Custom TermGUL can be set up to build cash value or offer low-cost death benefits. Read the brief case study
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Life Insurance News Bulletin
New product announcements, promotions and sales ideas from our carriers
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A Government Option for LTCi?
Lost in all the yelling and screaming over public options and death panels is a little-talked about but potentially significant piece of legislation called the Community Living Assistance Services and Supports (CLASS) Act of 2009. This could change everything for LTCi producers.
Read More
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LTCForAgents.com
LTCForAgents.com offers LTCi training, sales ideas, monthly webinars, news and updates to help Long-Term Care agents increase sales and streamline production.
Visit LTCForAgents.com
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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:
- Open the email and locate the link to the SMS Portal—"You have a Senior Market Sales Secure Email . . ."
- If you are a first-time user, you will need to create an account—Simply enter your email, a password and a password reminder
- A notification email will be sent to you. Activate your secure account using the link contained in the email.
- The link will take you back to the portal site where you need to enter your email address and the password you just created. Your secure email box will open immediately.
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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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