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Sales Tip #35: How to Document Permission to Call

According to CMS rules, agents must keep PTC documentation for a minimum of 10 years, and it must be retrievable upon request from the carrier or CMS.

What Are You Looking for in a Medicare Supplement Company?

What are you and your clients looking for in a Medicare Supplement company?

Sales Tip #6: Know the Difference Between A Prospect & A Lead

Some might think it’s a petty distinction to make, but there is a difference between a prospect and a lead, and it helps for you to know it.

Sales Tip #8: Build a Successful "COI" Referral System

Find out why most agents don’t get more referrals from their "Centers-of-Influence." Learn how to maximize your COIs and get the referral results you deserve.

20 Tips to Maximize Your Book of Business

SMS has listed 20 ideas to help you not only increase client retention, but also cross-sell and up-sell your current clients and generate more referrals.

NAIC Annuity Suitability Regulations Explained

The passage of H.R. 4173 and the defeat of Rule 151A ensured that regulatory control over FIA's would remain squarely in the hands of the insurance industry.

SMS Agents Make Historic First Sales Using iPad App

The Medicare Advantage industry made a historic technology leap this AEP when SMS agents in Rockford, IL, completed the first MA enrollments using an iPad app.

3 Wealth Transfer Strategies Using RMDs - Part III: Creating Multi-Generational Wealth

Baby Boomers will transfer more wealth than this country has ever seen. Much of it is accumulating in tax-deferred accounts like IRAs and 401(k)s.

Pension Maximization Using Universal Life Insurance

Utilizing a Pension Maximization Strategy can offer your clients the best of both worlds.

3 Wealth Transfer Strategies Using RMDs - Part I: Offsetting Income Taxes

Learn how to take unwanted RMDs to fund a life insurance policy that will help offset the income taxes beneficiaries will owe when the IRA is transferred to them.

3 Wealth Transfer Strategies Using RMDs - Part II: Eliminating Income Taxes

Learn how to leverage unwanted RMDs to fund a life insurance policy and transfer an IRA as a charitable gift in order to eliminate income taxes on qualified money.

Are Deferred Annuities Suitable for Clients Over 80?

Many carriers have had to rethink the max issue ages for their products, and many advisors are rethinking what is an appropriate plan for their elderly clients.

Annuity Maximization Strategies

Annuity demand has spiked in recent years, recognizing their value as a safe, tax-deferred savings option but about 80% of annuities end up being inherited.

Income Riders: When to Use Them, How to Choose Them

This article will bring you up-to-date on the state of the income rider and answer any questions you might have about when to use them and how to choose them.

The Single-Premium Life Wealth Transfer Cross-Sell

Look no further than your existing Medicare Supplement clients for the perfect “lead program” for identifying suitable candidates for wealth transfer products.