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!