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

Merry Christmas - my gift to you.

At this time of year we count our blessings and look back at the previous year.

This was yet another record setting year for Premier Insurance Partners, every department is up 2x or more. Our Med Sup sales are up hugely, our life insurance has doubled twice, and our annuities are simply soaring!

Thank you for your business.

My gift to you is a FREE ebook of my lastest published book, Extreme Producers: Their Insights and Secrets. Many of you surely will receive a Kindle as a gift - this ebook could be your first read!

Simply reply to me and I will forward it to you. I encourage you to read more about the book at Amazon or Barnes and Noble websites, or go to www.extremeproducers.com.

Merry Christmas,
Jerry

Final Countdown

The final days of Medicare Advantage season are upon us. What we have learned so far:

• MA season has been dynamite for those agents that decided to dive in.
• There has been so many changes in plans that there is a very large number of prospects and many agents simply will run out of time. Too many beneficiaries to call.
• Carriers are really favoring top producers. Coventry has "favored agent" status and is funneling free leads to these agents.
• Stay in the stores. United Health Care has in-store kiosks for Walgreens and others. These are hotspots!

Plus:

• MA season has been a literal gold mine for Medicare Supplements. We are having are best year ever!
• Plan N is the hot ticket - guaranteed issue with one carrier.
• Recently introduced Forethought has likely the lowest rates for Plan F in most states.

Best is yet to come . . . . . Disenrollment Season:

• Starting in January, clients dissatisfied with their MA plan have a limited time to disenroll from MA and make a one-time switch to a Original Medicare and purchase a Med Supp.
• This new season will be a boomer for agents selling Med Supp. The record setting pace of Med Supps will continue into the New Year.

Merry Christmas!

Jerry