I'm also hoping some others join me in this crazy venture. Just get a webname, make some terrible videos as mine are , and start posting. Just a couple people watch the videos, but it has proven to be a powerful motivator.
I figured. Family member has hundreds of files from clients he enrolled in snp plans in california medicare and medical. He said they were all converted to other plans and most comm was lost.. Can these people in these files be contacted for Final expense?
I remember years ago, it was allowed, but not sure anymore Any Thoughts? I understand many cross sell and then there's those who do everything under the sun but for those of you who choose FE over MS as the 'main' gig, why? Senior Insurance Humana Training. Nothing like waiting till the last minute.
About a year and a half ago I was with Colonial Life For a little over 6 months. I received little to no training while there and was greatly disappointed with the group I was with. I took a break for a while after the death of my closest friend to help her family adjust.
I have a few questions because so much of this is overwhelming if you do not have a mentor. Right now, I am specifically interested in Medicare and Supplements. How do I go about getting that w. Introductions New Agent, Alabama. Monday starts Pre-AEP. I don't know about y'all but I am pretty excited, and ready to go! Final Expense Settlers System Problems. Friday, September 29, Once again Settlers is having problems with their computer system Seems to be a regular occurrence with them.
I'm taking a commission hit to get "free" leads from a regional carrier so I can build up my book. Last year I did sales seminars for them but wrote very few policies. After the seminars too many people want to talk to you so it's hard to actually meet with them individually. This carrier has a couple of retail stores, so members would either go there to enroll, or call, email, mail or fax it in. I've been receiving leads all week and they are for T65 between next April and September.
I'm going to work the T65 after I speak to them by follo. I signed a lady up about 6 months ago who was coming off her employers insurance and I put her on a Med Supp. Unbeknownst to her, her Part B was cancelled about 15 years ago and she doesn't remember ever getting a new Medicare card that reflected that. She thinks her ex-husband might have cancelled her part B. Luckily we were able to get her back on her employer plan, but the Med Supp company refuses to pay back the 6 months of premium for the Med Supp which was obviously useless to her.
Curious if anyone has any t. Bankers wont do it, anyone have an answer.. Hi, I am a brand new baby in the insurance world.
If you were just starting out, what would be the best advice would you give yourself? I have been working DM for 6 months and am reviewing my results. Does anyone keep up with how many of their leads are under the age of 60? What percentage of leads received is normal for this age? At what percentage of leads received should I get concerned? He has over clients, and he hates selling Life and DI due to the underwriting hassle.
He has sent out an email blast to his clients explaining that I'll be calling them. Below is the script I've put together that I'd like some feedback on. I just use bullet points vs full script.
How would the fine this couple? Is it just based on the spouse with no insurance or will they fine on the entire household. Introductions Hello Everyone!! Newbie Here.. I am newbie on this forum. Look forward to getting to know you all! From my experience, solid mutual companies don't really seem to mesh well with mortgage protection insurance or IMOs MLM, what ever you want to call them.
Why is this? I hate not having access to their file when doing an annual review. Final Expense Underwriting help 50 Male.
Is that considered hospital confinement? Only company I can think may have a shot with is transamerica maybe? I'm hoping that there is a RadiusBob Genius in the house I've been attempting to add an additional "Caller ID" Number. I've already done this once, setting my cell as the caller ID number vs the RadiusBob default So While I'm not the sharpest knife in the drawer, I have done this task once.
Here's the issue. The office that I'm working with, and I'm attempting to add the phone of, has an automated phone system.. SPD help! My client's SPD vendor is getting very specific whether the list of 6 voluntary benefits offered by the carrier are pre or post tax. All good with reasons why pre or post, except that 2 of the plans are optional either way, depending on whether they add certain riders.
Accident plan and cancer plan are OK as pre-tax, unless the EE adds a rider that should be post tax due to lump sum benefits that would be taxed when received. In that case best to pay taxes on the payroll dedicated to that premium which is relatively small, instead of paying taxes on a lump sum benefit for can.
Calling an existing client to offer a life insurance review is pretty daunting. Whether it's concerns about rejection, coming off as pushy, or even damaging the client relationship, there are many things that can get in the way of offering this valuable and profitable service. To make matters more challenging, there is little on the web that gives actionable advice on how to communicate your offering and motivate the client to action. And while many professionals advocate the service, few have actually had any success at it.
This thread is designed to be a resource for agents. Are there any FE carriers where a customer can quote and apply directly online? I had a great deal off success with online individual health sales pre-ACA, and I am exploring replicating that with FE. I got into Insurance as a broker with my uncle that that talked me into it.
I was excited to do it and saw a lot of potential as a good career. Little did I know, he just showed me how to quote then left me a on my own to figure things out. After struggling for 3 months selling to all the friends and family I could I was reached out to by a recruiter from Farmers. So I looked into it and saw good potential in the opportunity for real training and a big brand name. I read a lot of negative things about them but my experience so far has bin pretty good.
It's bin about 3 weeks and I've learne. I'd like to focus on life. I want to get going relatively quickly. I have read some conflicting information on just "going independent" vs. While independent sounds great, mentoring sounds amazing too. I want to find a company and start investing time now. SO much to learn. Any advice or links to relevant threads would be hugely appreciated. Reading more of these excellent forums. If the third party was at fault, would the insurance company subrogate against the authorised third party custodian?
Senior Insurance Medicare Reforms? Who Knew? I just learned about this. I'm not doing Medicare but I found it interesting. Senate passes bipartisan Medicare reform bill TheHill. He is moving from Cali to Missouri in December. I have only dealt with an ESRD case once before and that guy had already received a transplant. This current guy is still waiting for a transplant. What options if any? I've already directed him to MO Medicaid to get that ball rolling now, if possible.
Something is tickling my brain about this type. Senior Insurance Mutual of Omaha Dental. I don't think it's been mentioned yet, if so, sorry for the new thread. I just got the email about the Mutual of Omaha Dental product. Have you guys looked at the product highlights in the producer portal? The benefits don't look to bad, but I didn't see any pricing anywhere. Any Agg agents out there know a carrier that understands what a hay squeeze is and can rate it correctly Lol most underwriters think this a UFO!
Having trouble getting loss runs in a timely matter or at all?! They guarantee loss runs in 10 days or less or your current month dues will be refunded! Agents and Brokers play a vital role in helping consumers explore their options and get enrolled in the Federally-facilitated Marketplace FFM. I called AD banker because that is who I used when I was getting licensed, and remember their practice exams were very helpful.
However, they said I needed to purchase a self study for each individual. I thought it would be nice if I could buy one for the office, and just re subscribe to it anytime, I had someone looking to take the test. Anyone have any though. He has been deployed to Iraq a couple of times and has 3 years remaining on his reserve commitment. I'm not a big term guy so this is unknown territory for me. I always was under the impression that if you are legally separated that if you apply for a policy on your own you won't qualify for a premium tax credit.
This agent told me it qualifies you for a SEP and if they financially qualify they will get a premium tax credit. Those who need a little mental ammunition against the status quo retirement advice will enjoy the article. Besides, it's never a waste to read Taleb. Labels: Annuities. A prospect has a commercial van that he claims is not used for business but is registered under his business' name for 'tax purposes'.
He needs auto insurance for this van as his current company is dropping due to an accident. Two questions: 1. Outside of purchasing the vehicle, what would be the tax advantages of keeping a personal vehicle registered under the business?
If there are benefits for tax, wouldn't the potential lower cost of a personal auto policy outweigh the potential tax benefits AND having to purchase commercial auto only because the van is registered under the business.
Hello all. I am not in the insurance industry, mortgage banker by trade. Feel free to ask about anything mortgage, craft beer or hockey related. Introductions Greetings from the Other Side of the Tracks. First time I studied to memorize but the second time I studied to actually comprehend the meaning of things. First I got a 65 the i got a Both times I feel like I didn't see any of the material I studied.
Thank you in advance. Introductions Hello Everyone, I'm New. Unfamiliar with hospital indemnity plans or just need a refresher?
You can sign up to attend the webinar here. During the brief online presentation,. I'm in my first year of the Medicare Plan market and still getting the swing of things compliance wise. I have a securities background and everything we do is full of disclosures.
If I wanted to market a non product specific educational lead piece on Medicare ins and out online to generate leads For example my Kramer mailers that go out I see they have in small print "This information is not affiliated with or endorsed by the U. You may be contacted by a R. I have a situation with a client. He has an endorsement deal with a car dealer to drive one of their vehicles for a month and talk about it on the radio. He will do that for three different vehicles for three months.
The car dealership wants his personal auto insurance to cover the vehicle while it's in his possession. Any property damage coverage extended to non-owned autos would exclude vehicles furnished for regular use. The underwriter says they will not extend coverage to a vehicle that the insured does not own.
Any thoughts on how to properly do this for him? Life Insurance Primerica Captive Agent? Monday, September 25, I recently signed up for Primerica, and I know their main focus is Term Life policies, so I was wondering if I could sell Health insurance through a different company? I figured if I don't sell their Health insurance, then I can sell someone else's, that's offering me some good money to do on the side. Let me know if I'm right. I worked TM leads until 6 months ago. Never ran into competitors much with TM leads.
It seems I am more than not too late and the lead has bought recently. Any area in the south that there are no agents working?
I am looking for a source for leads for the construction industry , any suggestions? Well, I am in a jam. I'm not able to complete the Humana PDP certification. The screen that I'm on does not have a "next" tab, so that I can move on to the next slide. I have tried 5 different browsers, deleted my cookies, installed all the software I'm supposed to have installed.
But that doesn't change the fact that I can't move forward because the current slide that I am on simply isn't showing a "next" tab. I have never encountered anything like this.
I spoke to Humana support line for an hour and they have no clue. If I can't get this resolved I guess I will end up not earning any. Hi everyone, I have a client that just moved his operations to Mississippi and wants me to insure his Box trucks, he has 34 trucks doing appliance delivery unlimited miles. So I registered my and the Agency's license up there, now I need a few decent companies to use for these vehicles. Any suggestions would be appreciated.
Michael Q. Any help is appreciated. The already shortened enrollment period has now been further curtailed by the announcement from the administration that the federal health insurance exchange website, healthcare. Attached Images Closed sign.
Oscar Health just signed on to offer health plans in Tennessee. Does anyone in Texas or New York have any experience working with them? Are all the vendors about the same, or is one better than the others? I just need a list of year-olds with DOBs with Connecticut addresses. If income data is available inexpensively, I might use that information also. Labels: Direct Mail Marketing.
Anyone know of where I can get some Occ Acc on 3 long haul truckers? None of my MGA 's or Wholesalers offer it. Appreciate any direction pointing anyone provides. For a limited time ACAExpress. Both options include unlimited ACA enrollments. Click here to sign up! For more information please call us at We look forward to help.
I want to keep my day job with good pay, vacation, benefits, etc. I spoke with Smart Choice and am a little on the fence. Agent feedback on Glassdoor is not encouraging. I don't want to go captive because I'd take a big pay cut that I can't really afford to take, and then I'd be back in the same boat when I would want to go independent. Is there a better aggregator or route I should take? Any and. I know a lot of agents still do direct mail and it probably is the most effective and cost-effective means and getting leads and getting in front of Srs, but I am wondering if agents are successful selling Med Supps and Med Advantage using other types of marketing.
How about doing seminars at senior housing facilities, networking with financial advisors, buying internet leads, telemarketing and using an agent website? If you have designed an agent website, are you drawing traffic to it by blogging, or buying google ads? What seems to be most cost effective these days?
What seems to be. Senior Insurance Part B Premium. Sunday, September 24, Haven't heard anything yet, any word on what the Medicare part B premium will be in ? I have a client that just contacted me and gave me this scenario. When he turned 65 he enrolled into Part B. Got a job a few months later and dis enrolled to go on the Plan from his employer. It has been three years now and he is leaving the company and getting Part B again. His question is will be have to answer health questions to go onto Plan G?
I called Medicare and they said they did not know. Thanks again. IF so please reach out to me I'll make it worth your while. Hi, I'm from Phoenix, Arizona. I've never sold life insurance! I found this forum because I'm getting emails from AIL and other companies, and googled what they were. I found a thread from a while back on this forum. I can't post the link because I don't have 20 posts.
Sounds like AIL is not recommended by most people. I'm here to find out what is recommended. Off to post in the "Getting started" forum Best, Bob. Introductions Hello from Phoenix, Arizona. Hi, I'm 55 and currently not working.
I make a little money from Internet sales. Apparently AIL and other Torchmark companies are not the way to go. My question is: What is a viable first step I can take to get into selling insurance? I have 10 years of experience in fundraising for a non-profit. Most of what I did was cold call canvassing at doors, but I also did renewal and high-donor work in person and on the phone.
I have go. I make a little money on the side from Internet sales, etc. I want to know if there is a viable first step I can take to get into insurance sales. I get emails from AIL and other Torchmark companies, but according to a thread I found on this site, that's not the way to go.
My question is: What is the right way to go? I read the sticky at the top of this subforum, and I got lost right away. I'm not dumb, but I've never sold life insurance before, nor have I bought it, so I don't even know what "term" means. Think of me as the newest of newbies. I know normally, on average, you receive the first half in about a week or so and then about three weeks after that you get the second half. How much longer does the window go during AEP? This is a great community and I have learned a lot and hopefully I will be able to contribute soon.
Final Expense Field help Underwriting Question. Saturday, September 23, North Carolina 73 female NT 25k foresters at around a month She wants to decrease her payments down to a month. I looked seems like UHL is one of the lower priced carriers in the area going back in 2 days. During the year thou she received xarelto for a blood clot in legs now just takes baby aspirin.
Don't see it on the APP should be good to go right? I had posted a post on my website. Please leave your comment in comment box. Annuities Five Year Fixed Annuity. Looking for the best rate for a five year fixed annuity a rated company and hire.
I have to say, we had a blast on this trip. See you in Monaco! What is the best final expense company to contract with? Advances upon issue not when client pays. Good app. Good premiums. Easy sell. Friday, September 22, Anyone hear what they are going to do in this area for ? Rates network commission. Final Expense Help!! Thanks in advance fellow agents :.
Anyway, I want to know what are the benchmarks for production here? In life, we had Al Granum's One-Card-System and his point month as activity goals to drive production. If your looking for work post your emails in the comments! Or someone else? Note: I'm not currently active in this market but expect I will occasionally stumble across a case.
What true GUL would you recommend for a healthy 82 year old, and why? Being new member i cannot post, reply or send private messages to people in the forum as it would be against community policy; hopefully, someday i wou. I enrolled my client into a medicare supplement through Manhattan Life. Her employer wants to pay them directly however they said that they do not accept third party payors.
Her employer won't provide her with the funds to make the payment through her checking account because they stated it would constitute as a raise.
I called Cigna and they do not accept third party payors either. Is there an insurance company that accepts third party payors for their medicare supplement clients? Thank you for your attention to this matter. Introductions Hello from Mumbai! Anyone worked with Health Reform Team out of Texas? They provide all leads, CRM and have a dialer used for inbound calls? Their reviews on glassdoor and indeed are good..
Any input Greatly Appreciated!! My best rates for a customer is with Progressive home and auto. She tells me they cannot buy a policy from that company because of what the CEO stands for. I've heard this from other customers in the past too, so now I want to know why. I try not to pry into people's personal life, but if I was to group these people, it seems like they lean towards a tea-party political stance and are very conservative religiously. So, is the Prog CEO a liberal atheist? Right now I'm contracted in the Sr.
What companies could I contract with directly?? Looking for 3 for healthy people and maybe 2 for underwriting those with one foot in the grave. Thursday, September 21, Don't know if they changed their underwriting practices or not, but the last 2 applications that I have submitted have been issued in a day with no PHI completed.
One lady was 70 and the other was Both were Type 2 diabetics. It seems to be the same Insurance Company that is providing my insurance quote as that in France. How might I go about getting a reasonable insurance quote that would enable me to sustain the business?
Are there any nationally recognized agency valuation firms? I'm looking for a company with national experience. Hi, I've been reading some threads here and looks like there's a lot of knowledgeable people here, I'm looking for some input I'm new to the insurance world but do have some sales background. The agency I plan on working with has been great so far, I'm just trying to find out what a fair commission would be for both parties.
The agency has no csr so I would be responsible for selling, quoting and servicing at least for the time being.
What's a good split? What grounds to Medicare beneficiaries have to appeal? Anyone have much experience in this particular area helping clients? Do you find it easier to close than a MedSupp replacement? Do any of you lead with this and x-sell something else like MedSupp or FE or vice-versa? Is the application process pretty simple to do with a client over the phone?
On paper, this looks like a great plan to BOTH have and sell Thanks, Michael. Read up on some old postsSfax the cheapest but Ring Central seems to be the favorite?
Is that something I need to be concerned with? Now that Liberty Bankers stopped taking Direct Express who else do you trust that business to besides Transamerica? My name is Mike and I am new to this forum. In the past I have been licensed in Illinois for Life and Health. I am currently running a digital marketing firm and remember how little knowledge of marketing I had as an agent.
I am not seeking clients. I will be primarily listening and may add my two cents to thread here and there. If anyone has any marketing questions feel free to ask me. Introductions Hello Everyone in the Forum! I said "SURE". Starting to feel like I am juggling a lot and having trouble servicing existing clients and keeping up with the new business coming in the door.
Any opinions: at what premium amount I should be looking to bring on a full time, fully trained CSR? Have a 64 year old who had 6 bypasses about 5 years ago. Takes Isosorbide and Metoprolol. Started taking Diltiazem and Eliquis about 3 months ago. Will anyone consider level? I don't know about you guys but this is very attractive. Especially for younger folks I would do it for myself. Am I crazy? What is the downside?
That was based on the past 50 years. Labels: Indexed Universal Life. In other words, having clients will not protect you. I was a victim of that rule. I think it is plainly illegal. Hi, which markets are available in CA that can insure a home care operation for WC? I do exactly zero ACA biz and had this situation come up recently. Tells me that she was told that if she opts out of Part B she would be able to do this. I've been Googling but results are conflicting.
I submitted a case to them, no insulin use, thought it would fly through. Bumped to standard, underwriter said within the last year they consider this standard Anyone else have this problem I am pretty sure I have a client on Victoza that is with them.
This is disappointing. Underwriter also said they are rolling out new UW guides. Also, they claim Pentoxifylline is a blood thinner.
A family I work with has a 35 year old member with a long standing mental disability he is mute receiving SSDI who is otherwise physically healthy.
I have heard Senior Life does, but have also heard rumors that they are a sketchy company. Hey Guys.. Looking for input on how it is to work with them, support comp issues etc. Not sure if it's outdated or not. Also, does one of the two own more of the market? Meaning, would you recommend having both or one? Also, Do you know if they offer an agency appointment or LOA for downline agents..
What are the importance of SMS marketing in insurance companies? New to Forum. Hello from past Allstate Agent and from Texas.. Im a newbie on here and am so excited to have found this forum and to be able to learn so much from so many experienced people.
I am working towards transitioning from a captive to a independent Agent It can not come soon enough lol Sometimes it feels like time stands still. Introductions Hello From Texas Tuesday, September 19, Hi Everyone I have a question regarding renewals for life insurance policies. I heard that for most companies if you sell a term life insurance product such as mortgage protection.
Is that true? Thank you very much. My car was parked in a parking lot. It was a bit slanted but it was inside the two lines. One lady hit the car but it was nice of her that she left a note with her cell phone number. My car had scratches and a hole at the rear end. I called her up after I reached home and asked for her insurance info. She told me to get an estimate. She told me she would pay me if the estimate is not much otherwise she will provide me the insurance info.
I called her and said i got an estimate and she started shouting at me. I told her the bumper ne. I'm assuming that's arrival date of the ad - not mail date. Thinking about trying to reach T65 and other prospects in the states I am licensed in.
Is This Standard? I have an offer on the table from a local Allstate office. The person who would be hiring me has several offices within a 30 mile radius. He appears to be a nice guy and I'm sure I can learn a lot from him at this point in my career. My question is whether no residuals is standard practice, as one of the main reasons I'm getting into the business is so I can set myself up with residuals. He's offering a small monthly salary enough to scrape by on , and health insurance.
Family Guy had an episode where Peter hosted a TV news segment called "You know what Grinds my Gears" and so I simply am opening a thread with the title based on insurance. Quick story to get this off my chest.
Senior Insurance Bankers Fidelity Offline? Site won't resolve. Two different computers, 3 different browsers. Blair exclusively told PEOPLE she is honest with Arthur his father is fashion designer Jason Bleick, whom Blair dated from about her new challenges and is constantly impressed by his resilience. The actress said she was recently surprised to learn that Arthur enjoys having her visit his school. FB Tweet More. You'll get the latest updates on this topic in your browser notifications. Hours later, Blair revealed her revenge.
As payback, the star shared a photo of herself diving bottomless into the pool. Selma Blair and Arthur Saint Bleick. All rights reserved.
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