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Discover Opportunities for Final Expense Sales

SMS: Your First Choice for Final Expense

No matter what products you focus on, if you're in the senior market, you're going to encounter clients who need final expense coverage.

Join us for a webinar to learn how to more effectively prospect and uncover opportunities for final expense sales.

How to Prospect for Final Expense
Thursday, February 14th at 11:00 am CST

And, Get to know Senior Market Sales' Final Expense portfolio.

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Medicare Supplement

Ask Roger: Outlook for Medicare Advantage Under Obamacare
This week's question deals with the effects of Obamacare on Medicare Advantage funding. Got a Medicare question? E-mail it to AskRoger@SeniorMarketSales.com.

Cigna Announces New Medicare Supplement Plans
Cigna's new Medicare Supplement Plans have already been filed and approved in AL, IA, NM, OK and SD. Download a rate analysis comparing Cigna's rates to top competitors in 25 states.

SMS Medicare Supplement Department: 1-877-888-9996

Medicare Advantage & Part D

Get 50% Off Direct Mail through SMS
Through our Co-op Direct Mail Program, SMS agents who write 10 or more Medicare Supplement and/or Medicare Advantage applications in a calendar month will qualify for a 50% co-op on their direct mail order the following calendar month. SMS Co-op Direct Mail Program.

Looking for Opportunities during Lock-in?
More than 10,000 people turn 65 every day. You can reach them by mailing to Turning 65 lists. Did you know that SMS will send you 100 free Turning 65 names when you get contracted? Call 1-877-645-0147.

Special Needs Plans Worth Considering
Have you considered selling UnitedHealthcare's Special Needs Plans? Qualifying Medicare beneficiaries can enroll year-round so you're not limiting your sales to the Annual Election Period. Click here to learn more.

Medicare Solutions Jeopardy
Think you know Medicare? Play Medicare Solutions Jeopardy, post your score and challenge your friends!

New Medicare Advantage Training Added!
Visit www.MAForAgents.com where you can search by city and state for local training provided by top carriers. Site updated daily!

SMS Medicare Advantage Department: 1-877-645-0147


Delivering Value to Centers of Influence
In order to get referrals from COIs, you have to answer this question: What do you offer that is of value to their clients that they can't get by going to one of the other dozen advisors they know? Get the answer here.

Big Bonus Indexed Annuity added to SMS Portfolio
National Western, the newest addition to the SMS annuity lineup, has some exciting products. Ask us about the up to 10% premium bonus on the National Western Life Ultra Future®! See more unique features.

Annexus Road Show Coming to Texas
Annexus is taking its industry leading advisor training on the road in February and March. Seating is limited so register now. See upcoming events in Texas.

SMS Annuity Department: 1-877-645-4939

Long-Term Care

When Short Term Care Is Needed
Short Term Care need most often arises after an accident, illness or injury where the client is treated initially in the hospital and needs additional care in his or her home, a nursing facility, assisted living facility or hospice facility. Find out more about when Short Term Care might work best for a client.

Partnership Compliance Guidelines
Did you know that Partnership compliance issues have been one of our biggest hold ups in getting new LTC applications issued? Follow these Partnership compliance guidelines to prevent delays in getting your apps issued.

SMS LTC Department: 1-888-456-8884 Opt 4

Life Insurance

Webinar: Single-Premium Life Solutions
It is estimated that the Baby Boomers will pass more than $40 trillion in accumulated assets to their heirs by the year 2052. Watch this recorded webinar to learn how single-premium life can help you capitalize on this huge opportunity.

Save the Date: 2nd Annual Advanced Sales Forum June 13 & 14
If you're selling life insurance today, but want to take your knowledge, skills and income to the next level, then we invite you to join us in Omaha for this exciting training opportunity. The 2013 Advanced Sales Forum is scheduled for June 13 & 14, 2013, opening weekend for the College World Series. Read about last year's Advanced Sales Forum.

SMS Life Department: 1-877-888-0166

Travel Insurance

"Coverage without Borders" for International Travelers
Your client wants the best in international heath care. Where do you turn? We've known for over 15 years! International Medical Group®, Inc. (IMG®) is the worldwide leader in designing, distributing and administering global health care benefits.

Somewhere in your client data base are international vacationers, business executives and consultants that travel frequently. You may also have direct access to missionary groups, expatriates, professional entertainers, international athletes, government entities, schools and universities, professional marine captains and their crews, even companies with overseas offices needing healthcare for their local and third country nationals. Offer these clients worldwide quality healthcare and IMG's superior customer service.

Check out IMG's complete portfolio of products at www.ExPatHealthcenter.com

If you would like information on contracting to sell IMG products and earning valuable commissions, please contact us today at 1-866-979-6753.

SMS Travel Department: 1-866-979-6753

In this eNewsletter:
How to Prospect for Final Expense
Outlook for MA Under Obamacare
Medicare Solutions Jeopardy
Delivering Value to COIs
When Short-Term Care is Needed
Single-Premium Life Solutions
"Coverage without Borders"
Build SS Planning into Your Practice
Featured Training . . .

Home Secure Term Life Insurance
Attend this webinar to learn more about Baltimore Life's Home Secure Term Life Insurance, their point-of-sale underwriting process and INSpeed.
Feb. 19th, March 5th, March 20th at 12:00 pm CST
Register Now

 Sales Tips from
"Successful People"

Each week in this section SMS brings you sales and marketing tips from successful agents, advisors and marketers to help you expand your knowledge and increase your sales.

This Week's Tip:
How to Build Social Security Planning into Your Practice

Other Sales Tips:
SMS Sales Tip Archive

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