Sell Medicare Advantage Year Round

AEP is over, but selling Medicare Advantage doesn't have to stop. Plenty of opportunities still exist, and the best part is we have LEADS in several states.

For those who are wondering how to continue selling MA plans, keep these items in the forefront:

• SEP - several plans have withdrawn their products, so the SEP continues into the new year.


• CIP - a newest carrier, Care Improvement Plus, specializes in special needs plans. You can sell SNIP (special needs plans) year round. CIP has leads in many states. Call us for leads that may be available in your state.


• United Health Care also offers SNIP plans. Ask us about their marketing kits for year round selling.


• Disenrollment Period - Starting in January, this period does not allow beneficiaries to enroll into new MA plans, but it is an opportunity to sell Medicare Supplements to those beneficiaries wanting out of their current MA plan.

Premier Insurance Partners is one of the leading organizations for Medicare Advantage and other Senior insurance products. Visit our web site and specifically our agent training page at www.pip1.com or call 800-504-pip1 (7471).

AEP Is Over -- Now What??

AEP is over and hopefully you had a successful selling season. According to reports I am hearing from carriers and top agents, new enrollements did not live up to expectations. The reasons can be explained as follows:

• Few plan withdrawals this year, so members were not forced to move.



• Members happy with current plans, so no reason to move



• Doctors and Hospitals more receptive to plans, Med Advantage plans often pay quicker than traditional Medicare.



• Low or no premiums. Since most plans held their premiums low, there was no financial incentive to switch.

The good news for everyone is that although new sales were down, everyone's renewal commissions should be terrific!

What's Next for the agent?

Now is the time to concentrate on the following markets. Premier Insurance Partners is an expert and leader in these areas, so call us for products and traininng:

• Special Needs Medicare Advantage plans: these plans can be sold Year-Round and leads are plentiful. These plans are becoming very popular, yet still the market is untapped. There is little competition, providing big opportunity. Plus since most calls are to first time enrollees, you make a higher commission!

• Hospital Indemnity, Senior Dental, Cancer plans: Again leads are plentiful for these plans. Sr. Dental lead programs generate a huge response. Cancer plans are quickly becoming out one of the most sold plans with a Med Sup/Med Adv. client.

• Annuities: Guarantee 3.75% for 5 years - one of our best selling annuities. Also remember index annuities with Income Riders accounted for the majority of our premium in 2011. You can offer 10% premium bonuses, Up to 45% Income bonus, and an Income "doubler" for LTC/HHC needs.

• Final Expense life insurance: Always one of our top products. More agents are focusly exclusively on final expense every year. You should consider this easy product with generous commissions!

You just finished the AEP strong, now finish the year strong! Focus on these quick issue products - we can train you and help with leads! Simply call today 800-504-7471.

Merry Christmas!

Stick to the Script for Guaranteed Success

What is number one formula for getting your prospect to buy from you? According to our top agents, the answer is "Stick to the Script".

Are you using an organized Script and Factfinder on your appointments? If not, there is no way to know what you are doing right and conversely, what you might be doing wrong. Top organization in all industries teach their salespeople to: Follow the sales process, follow the script!

If you are not using a organized script on every appointment, I guarantee you not maximizing your sales.

At Premier Insurance Partners, we have two "Confidential Client Reveiw" sales tracks for you to use. Simply pick the one that best suits your style. Both are used by top agencies that have allowed us to provide their insights to our agents. Both will have you walking the prospect through the necessary steps to uncover their needs and make a buying decision. These factfinders insure you are asking all the right questions and in the right order.

To be successful, your sales presentation should be full of asking questions and taking notes. If your presentation is full of you talking (versus listening), you can be certain you are not making many sales. As one top agent has said to me, "I must first sell the concept, then the product easily follows."

Do you want an easy, PROVEN , sales track - call us today! 800 - 504- 7471.

MYGA is Back/AEP kicks off

Who would have ever thought 3.75% interest guaranteed for 5 years would be so popular?

The newly introduced annuity from Sentinel Life is raking in premium. I never thought such a low rate could be so wildly successful. However, if one looks at CD rates, now at .45% for six months, it is no wonder this rate is so accepted.

If you are interested in selling the best 5 yr rate, give us a call at 800-504-7471


ANNUAL ENROLLMENT KICKS OFF WITH A BANG!

Selling Medicare Advantage? U bet!

The season kicked off with a bang in October. We are seeing action in the big names, plus a few smaller regional carriers as well.

The Advantage Plans steadily are becoming more accepted. In fact, in areas with zero premium they are exploding. What used to be a steady diet of clients moving plans, this season it appears many are sticking with the same carrier. This is a good sign that stability has arrived to the market.

Premier Insurance Partners is one of the leaders in the senior market - call us for how you can best profit.

R U ready for AEP?

Medicare Advantage - the selling season that drives profits but also drives agents crazy!

• Have you certified?


• Have you ordered supplies?


• Have you organized and mailed your Scope of Appointments?

If you answered yes, you are one of the agents who will sell 90% of the policies this season.

Studies have shown that agents who certified by Sept. 10 will be agents who sell the majority of the business.

• Do you have applications in your hand?


• Do you know the fax number to sent apps?


• Are you organized to get all your apps faxed within 48 hours?

These second steps are crucial. Help lines will be nearly inaccessible once the season starts, be sure you have everything in order.

• Follow up sales- do you have a plan?


• What will you focus on after the season?


• What marketing plan is in place so you can PROACTIVELY help your new clients with their other insurance needs?

Here are our most popular plans for your senior clients that purchase Medicare Advantage - just be sure and wait a few days before calling on these plans

• Cancer


• Senior Dental


• Hospital Indemnity


• Final Expense Life


• Annuities

When's the best time to call on these plans? Set an appointment in late December or early January to "make sure everything is going smoothly with their medicare coverage and to review other needs." Your client is likely very happy with their new MA plan, and its the best time to ask how else you can help.

One top agent told me, "MAKE A PLAN, IMPLEMENT THE PLAN"

Good advice for everyone!

5th Annual Agent Training Camp

Our very popular, 5th Annual Senior Market Training Camp, is approaching soon.

This 24-hour action packed event will expand your Senior Market focus. We will have 3 Top producers and 3 home offices providing you exactly what is needed to grow your income!

• Leads - Learn from a Pro how to work leads!



• Medicare Advantage/Med Sup - learn what you need to know for the upcoming season!



• Annuities and Final Expense - learn how to cross sell these products!



• Much, Much, More!

Sept 8-9, 2011. All meals provided!

Call our office today to sign up 800-504-7471. Visit our newly retooled web site http://www.pip1.com/

Indexed Annuity Leadership Organization

May of you have supported charge to charge defeat 151A. Now you need to see the newest organization that continues the lead. This group is made up of many of the same members.

Click here for a Press Release from the IALC announcing the launch of the Indexed Annuity Insights Blog.


Take a moment to see their blog: www.indexedannuityinsights.org


Let's continue support the charge to keeping indexed annuities in the positive light.