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• SEP - several plans have withdrawn their products, so the SEP continues into the new year.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

New Club in town

Premier Insurance Partners is proud to annouce our new Premier Producers Club - it holds a multitude of awards for the consistently producing agent. It is not necessary to produce a huge volume of premium, it is simply a "loyalty" program for those agents who continually submit applications.


Check out this quick video to learn the rewards for you! Plus ask about discounted leads for members of the Premier Partners Club.

http://www.youtube.com/watch?v=YAGtn1kI0UM

New Modernized Medicare Supplements

Instead of a written blog, let me explain it to you via a short video.

Click on the link - it will help you understand Modernized vs. Standardized plans.


http://www.youtube.com/watch?v=spbw1PtC_dU

Income Riders - why I owe two!

Income riders on annuities simply make sense. If you don't own one, you likely should. The income rider has several distinct benefits:

• Guarantee growth - 8% or better


• Guaranteed retirement payout - you know what to expect


• Payment guaranteed as long as you live.


• Liquidation if you need it and there is money left in your annuity (note- you can change your mind and cash it.)

It is the perfect place for my assets that I will have provide retirement income. Watch this short video I made discussing the benefits:

http://www.youtube.com/watch?v=APqa6o1bCFw

I hope it helps you sell more annuities!

New, Modernized Medicare Supplements.

In June, 2010, the new Modernized Medicare supplement plans were introduced. If you haven't talked to your clients in the past year, you need to watch the below short video. I made it especially for you - short and easy to understand.

Medicare Supplements: New Modernized Plans - http://www.youtube.com/watch?v=spbw1PtC_dU

The New "Annuity"

It's now called the "new" annuity, or the annuity "altenative". In either case, it's now a big time product.

Single Premium Life (SPL) has quietly become one of our best selling products. We are seeing solid premium increases from three carriers. Most agents know about SPL, however, now many are seeing the benefits.

In the past, annuities were the hot thing for these reasons:

• Big commissions


• Easy underwriting


• Easy to explain and understand

However, the big, double-digit annuity commissions are now a thing of the past and while underwriting is still simple, the "suitability" form has stopped plenty of applications.

SPL is quickly rising as a very solid replacement for annuities. Why? Most annuities are never liquidated, the owners simply move from annuity to another after surrender charges or they die and pass it on ---- which, of course, is a taxable event.

SPL is perfect for those clients, here's how:

• Simplified underwriting


• Easy to explain and understand


• Increased death benefit to pass at death


• No taxes at death


• Added benefits for LTC needs.

PLUS: Double-digit commissions for the agent!

PLUS, PLUS: One carrier now accepts Qualified money in their plan! Yes, I said qualified money.

Call us for details at 800-504-7471. You will be surprised at how easy SPL is to sell. Your client will enjoy it!

Life Insurance Sales skyrocketing

Are you selling life insurance?

Our life insurance sells are skyrocketing, but not the policies that get all the headlines.

Simplified, easy issue life has taken the forefront for Premier Insurance Partners. It used to be cheap, fully underwritten term insurance was all the "rave". But it appears that America want its life insurance just like its food - quick, easy, and cheap.

Simplified life policies fit this niche perfectly. You can get up to $250,000 of term or permanent life for pennies. Best of all, no paramed is required. Thus, no stepping on a scale, getting poked with a needle, or trying to give a urine sample. The entire process is done from the application and a quick check of MVR and similar reports. Many policies are issued in under 5 days!

New carriers are entering this market, which supports what we have been seeing. The public wants life insurance, but don't make it so complicated. Make it easy to purchase and put a policy in my hand quickly.

Call us today for more information. Quick issue and quick commissions - both you and your customer will like it!

Medicare Advantage Season

Time Again --- Medicare Advantage season is just around the corner. The selling season is much different this year - it starts earlier and end earlier. Let's look at the timeline:

• June - Carriers must submit product designs to CMS for approval.



• July - We should start seeing product designs and what areas they are approved



• August - On line certification to begin - get started early so you receive your approval and can order supplies when available. You definitely want to avoid the rush.



• August - should have a good idea of final plan designs and what is available in your area.



• Sept - Almost time to sell. If you have not yet certified, you are now in the dreaded "bottleneck" when carriers are backed up. Get certified ASAP so you can get supplies.



• Oct. 15 - selling season begins - a full month earlier than previous years. Most agents will be caught by surprise and not even certified yet. Don't be one fo these agents.



• Dec. 7 - Selling season ends - "by coincidence" falls on the same date of the Pearl Harbor anniversary.



• Jan. 1 - all new enrollments take effect.

As you can see, the season is substantially condensed. Call our office for all your Med Advantage needs at 800-504-7471

New, Incredible annuity

If you like to sell annuities with a guaranteed income rider, an outstanding new product is being released on May 23.

From Phoenix Life, this annuity has two riders:

Income Now rider

• Up to 45% bonus on income rider

Income Later rider

• 14% rollup each year for 10 year

The unique thing about this annuity is that it fits the two catagories of those wanting guaranteed income. Do you want your income now - you can have up to a 45% bonus. Do you want your income later, between years 4 to 10 - you can have a guaranteed 14% annual simple return on your money until you turn on the income.

Want more details? On May 23 we will have it.

Medicare Supplement - Plan N

Wow - Plan N change happens fast with Mutual of Omaha. Mutual of Omaha, one of the most respected carriers in the Medicare Supplement world, was riding high on their new Plan N production. Premier Insurance Partners definitely enjoyed the ride. However, today, Mutual announced the withdraw of their Plan N. Where do you go now? We have lots of options for you.

• Do you want the lowest price Plan N - we have lots of choices. Call for the lowest plan in your State.


• Do you want a low price product, but with extra's - read below.

We have one carrier in particular that I believe will rock the Plan N world. Their rates are very competitve. Not necessarly the lowest, but definitely very low.

In addition, this carrier allows you to switch to any other plan with NO UNDERWRITING.

Call us today at 800-504-7471 or reply to this blog.

Monster Annuity Cases

WOW - our average annuity premium with an income rider is just over $100,000 per app!! That's is so significant when you consider the average annuity is about $60,000. Our average is not quite double that of the industry. Why you may ask? It is really quite simple. Our agents are focusing on the benefits of the new Guaranteed Income Riders (GIR). If you have been reading any money magazine, you should be understanding what the senior client wants - guaranteed income at retirement. Most retirees, or soon to be retirees, do not have pension plan. They want an need a guaranteed stable and safe income. These new GIRs provide exactly what retirees are asking for, a definite income amount of money that will last forever and does not lock up their principal. The GIR will not only offer a definite income, but it also guarantees growth as well. One carrier will guarantee a 7% growth and then provide a guarantee payout income at retirement. Most people are thrilled to know they will recieve 7% per year growth. However, when you also guarantee the income they cannot outlive and not lockup principle, you truly have a home run! CAll us today to learn how the GIR will:

• Guarantee a 7% return


• Provide a guarantee income for life


• Yet, does not lockup principle (this is not the same as an immediate annuity)

For the agent:

• Easier sales


• Larger premiums


• Happy annual reviews


• More referrals

Call Premier Insurance Partners today at 402-408-1492

Awesome New Annuity Quote engine

Every once in a while something comes along that truly makes selling insurance EASIER.

That something is the new annuity quote engine we just installed on our website. It simply makes your sales easier. You can instantly compare carriers and various annuity products side by side -- much like a the term life insurance or car insurance quotes.

• Need the best 5 year rate guarantee products - easily achieved in a very easy to understand table.
• Need to compare the index rates/caps from the top carriers. . . once more easily achieved.
• Want a simple format to show your clients on Income Riders. . . .again, done in seconds.
• Interested in seeing all index annuities with an 8 year surrender. . . a few, simple strokes from your mouse will quickly provide your results.

MUST SEE: you simply must see it to believe it. Go to our quotes page on www.pip1.com and you will truly be amazed. I guarantee your annuity appointments will go smoother when you incorporate these easy-to-use and easy-to-read comparisons - try it now!

It's time - Sr.Dental Insurance that really gets it.

I have never, ever been a fan of dental insurance - the kind for seniors in particular.

However, after 20 years in this industry I have finally run across a plan that makes sense for the consumer and is easy to sell for the agent.

Constitution Life has just introduced a plan with the following benefits:

• Guaranteed Issue - now everyone wins!
• No Network - your client can see any dentist (a very big benefit)
• Benefits that really save your client
• Very easy, one page application - every agent and costumer will love it.
• Premiums that fit the benefit. If your clients needs a dentist, this is a good plan. If your client only gets a regular checkup and cleaning, it's still a good deal.

Call today and find out how this product can really help you and your clients. Seniors want a good dental plan, now we have one for them.

Jerry

Mentors and Mentoring

Have you ever wanted a Mentor or have you ever thought about Mentoring?

Premier Insurance Partners will soon launch a Mentoring program. This program will allow you to follow a top producing agent for two days in the field and discover how he really does produce at a high level.

The program is very simple:

• Decide the product line in which you want to excel.
• Call us and learn about our agents who are willing to mentor.
• Spend two days with this agent (your pay your expenses)
• Agent will teach you everything he knows, plus
• You will go with this Mentor on at least four appointment in two days. Sometimes many more!
• The Mentor will be available for you 24 hours a day to help you -- indefinitely!

How much would pay to be able to follow a top producer for 2 days? Likely thousand$. However with our Mentor Program, it won't cost you a dime. Plus you will enjoy the other perks associated with our program.

Please call me today - I look forward to helping you achieve your dreams! 800-504-7471

Jerry

Hospital Indemnity Plans - Perfect for Medicare agents

Want the perfect compliment to your Medicare Supplements and Medicare Advantage plans? Look no further than this NEW, Hospital Indemnity Plan.

• Up to $600 per day hospital visit - perfect for the deductible/co-pays of PLAN N med supps or gaps in Med Advantage.
• $200 for ambulance ride
• Accidental Death and Dismemberment -up to $10,000

Facts to Consider:

• Average charge on a typical bill from a USA hopsital is $22,300
• Charges have risen 8.9% per year
• Average length of stay is over 4 days!

For the Agent:

• Terrific commissions
• Easy to sell
• Very simple application (you will like it!)

At Premier Insurance Partners, we specialize in training - ASK ABOUT OUR TRAINING VIDEO.

If you sell Medicare products, you need to include this plan!

Hot product for New Year

Without question one of our hottest products for the new year is . . . . . Single Premium Life!

If you sell annuities, here are the TOP 10 reasons to incorporate SPL in your portfolio:

1. Double digit commissions - MGA commissions to 16% (remember the good ol' days with high annuity commissions!)
2. LTC riders - allows your client to access the Death Benefit for LTC - much better than the LTC liquidation feature of an annuity.
3. Large Death Benefit-- again far surpasses an annuity!
4. Death Benefit tax-free
5. Surrender charges only last 5 years -- with a double digit commission!
6. Most people with die with their annuity intact, a SPL makes more sense.
7. Tax free loans available, if money is needed
8. Likely the best place for part of your client's money (never put it all in one place)
9. Simply a better product for money your client will never spend or will only possibly need for LTC.
10. Great for client, Great for the agent!

Top selling annuity agents are definitely incorporating SPL with their annuities. Their clients are better off and so are the agents. If your client plans to simply "pass on" the money to their spouse or kids, give SPL a try.

Perfect Med Advantage compliment product

Two days ago we had one of our largest web-ex training sessions - the topic: Critical Illness plans. Agents from all over the country attended.

Critical Illness is without question, the best complimentary product to whatever you are selling. Critical Illness covers the 4 big ones: Cancer, Heart Attack, Stroke, and Kidney failure. These policies are exactly what you want:

• One Appointment sell
• EZ issue
• Quick issue
• Advanced Commissions
• Terrific first yr and renewals
• low premium for your client - average of $50/mo
• Average commission =$300

Every prospect can tell a story about a friend or relative who has had one or more of these ailments.

One agency, with over 15 captive agents, encourages their agents to ask this simple question at every appointment, "Who has your cancer insurance?". These agents are closing about 30% or better when simply asking this easy question.

Critical Illness is their number one "add on" product.

As many agents realize, it is medical bills that are the number one cause of bankruptcy. It's not because the person doesn't have health insurance, it's due to job loss, travel for care, etc. Critical care is the answer. It provides a lump sum at diagnosis - paid immediately.

Call us today for more details - if you could add an additional policy on 30% of your appointments, your income would increase significantly. The average commission is nearly $300 per policy. Two policies/week will add over $30,000 to your annual profit - and it is pure profit as you are adding this add-on an appointment you already scheduled for another product.

Happy New Year

Jerry