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Top 10 Medicare Questions & Misunderstandings

Top 10 Medicare Questions & Misunderstandings

"A smart man makes a mistake, learns from it, and never makes that mistake again. But a wise man finds a smart man and learns from him how to avoid the mistake altogether."

by Roy H. Williams

We are all bound to make mistakes. Let us be your "smart man" by giving you the opportunity to learn from others.

The most common question is: "Why?" Maybe you don't agree with the answer and you'd like to understand the reasoning behind it. Just when you think you understand Medicare, your world is turned upside down to hear about an exception to the rule.  Our helpful hints will make you an efficient, knowledgeable superstar.

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Saving Main Street - Business Continuation Planning for Small Business

Saving Main Street - Business Continuation Planning for Small Business

Many of our clients are small business owners who care deeply about their business, employees and customers. As insurance agents, we help insure their home, auto, liability, personal life insurance, group health benefits, but are you asking about their Business Continuation plan or Buy-Sell Agreement?

On average, 45% of the business owner's net worth is tied up in the business.* This subject is near and dear to some of your best clients and if you start the conversation, your clients will be interested in what you have to say.

Only 26% of small businesses owners have some type of succession plan in place.* In fact, only 30% of family owned businesses survive to the 2nd generation and less than 12% to the third generation.** Healthy businesses that do not plan for business continuation properly can fail rather quickly; conversely, businesses that plan for continuation can survive and thrive moving forward.

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Providing Certainty in an Uncertain Health Market

Providing Certainty in an Uncertain Health Market

There have been many times in my health insurance career that I had to dig deep to find the positive in the rapid-fire changes that came with the passage of the Affordable Care Act in 2010.

Since then, I'm sure all of us in this market segment have felt frustrated by the many unanswered questions and the inconsistency of the answers that we get from those that are supposed to be "in-the-know."  With the recent passage of the AHCA through the House, I suspect that even as this bill moves through the Legislative branches of our Government, there will be many unanswered questions that none of us can yet answer.

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The Keys to Compliance with Secret Shoppers

The Keys to Compliance with Secret Shoppers

One way to confirm that Medicare beneficiaries are receiving accurate & compliant information during marketing events and personal appointments, is to utilize secret shoppers.

CMS secret shoppers measure quality of service and compliance with Medicare regulations as a way to gather specific information about products and services.

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How to Diffuse the Surrender Charge Objection in Annuity Sales

How to Diffuse the Surrender Charge Objection in Annuity Sales

Objections should always be anticipated and handled early in the presentation. You know they're coming, so take the offensive and tackle them before they tackle you.

As long as there are annuity sales presentations there will be surrender charge objections. There are many ways to address this concern, however there is one aspect of handling objections that should be paramount.

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Protect Your Client’s Most Valuable Asset

Protect Your Client’s Most Valuable Asset

Odds are if you asked your client what their most valuable asset is, they most likely would respond with "my home, my car, my boat, etc." Very few would say their income/paycheck.

That's because most people do not immediately equate this question with their ability to earn a paycheck. If your client was sick or injured and unable to work or earn a steady paycheck, how would they pay for the things they love, or the insurance to protect them? Would they be able to pay their monthly mortgage or rent and still be able to pay their monthly bills, credit cards or car payments? You can help make sure they can sustain their lifestyle.

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Success in Selling Employee Benefits: Having the Right Tool at the Right Time

Success in Selling Employee Benefits: Having the Right Tool at the Right Time

As an Employee Benefits broker you should be as diverse as a swiss army knife, so your clients think of you no matter their situation.

I carry a small Swiss Army knife with me on my key chain, and rely on it for those times when I need just the right tool. However, I reach for it far more often to help others. Every time they say "Thank you so much. I've got to get myself one of these!" "Don't bother," I'd say, "just call me." Helping people in their time of need simply feels good – it's what we're all designed to do.

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The Scoop on the Scope of Appointment

The Scoop on the Scope of Appointment

The Scope of Appointment (SoA) is like an American Express card, you don't leave the appointment without it. We'll show you how to use this form correctly and compliantly.

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New Year’s Resolutions

New Year’s Resolutions

A new year brings new optimism, new challenges, opportunities, goals and resolutions.

Unfortunately, many New Year's Resolutions end as quickly as they are uttered from our lips: lose weight, eat healthier, exercise, quit smoking, save more money, get out of debt, get organized, travel more, read more, spend more time with family. Sound familiar?

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How Annuities Can Help Your Medicare Clients

How Annuities Can Help Your Medicare Clients

By Christy Wilbert & Joe Corio


Are you helping your Medicare eligible clients to your fullest potential?

They need you more than you know. You are their life line in the confusing world of insurance, helping them find the best coverage and solutions to cover expenses and secure their life savings.

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