ObamaCare Failure Evident Sooner Than Expected

If ObamaCare was not the burden on business that conservatives said it would be, and if it would really increases benefits and lower cost, we would not be seeing stories like this:





The writing is on the wall for major medical insurance producers. The time to jump ship is now.

http://www.sellmedicarebyphone.com

Helping Agents Get Started...

It sure has been an interesting year - bringing lots of agents on board and helping lots of them to get started writing business all over the telephone using technology tools they've never heard of - to sell insurance!

Tonight I spoke with a couple of the newest agents as to what they've experienced in their first week.. take a listen - this makes me feel great to hear from agents like this who step out in faith into something they knew nothing about before - and they're making it happen!

Forethought Medicare Supplements - Announce August 23, 2010

http://forethoughtmedicaresupplements.com/Forethought-Medicare-Supplement-Contracting.html

From SellMedicarebyPhone.com, Forethought will be announcing the release of their brand new Medicare Supplement product line on August 23, 2010. Top contracts are still available and will offer LOW RATES for Medicare Supplements, top compensation to agents, and one of top 20 most-stable insurance companies in the United States.

This is a great opportunity for agents to get contracted with, what will be, a top commodity in the Medicare Supplement arena. Get your contract for Forethought Medicare Supplements today!

Visit:
http://forethoughtmedicaresupplements.com

Hard Work Makes Luck

This week I recorded an audio with this very message..and today I saw the video that goes with my original message. The audio I recorded was harsh - it was straight to the point, but it was harshly honest. The message that I had been trying to deliver to my agents is that you don't need leads, you don't need money to get started in this business, you only really need to get off your butt. I was introducing a new audio for our contracted agents where I interviewed Frank who lives in Georgia. Frank is one of my agents who consistently produces significant numbers, week in and week out. Frank does it without leads.

You can hear the audio message here.

And now, here is the video that goes with it...

Cold Calling for Final Expense

Agents ask all the time if it is possible just to cold call for final expense or cold call for Medicare Supplement sales.

Yes, agents across the country do it all the time. Is it more or less effective than having a fresh lead in your hands of someone that is asking you to call them so that they can buy? No. But it is a lot cheaper.

The most common theme from an agent that calls, "I really want to start marketing but I have no money.What should I do?" Cold calling is meant for you.

The cost involved is about 4 cents per name - buy 1,000 to start. We have a link to where you can get this pricing on the best list, already scrubbed against the Do Not Call list, and  perfected toward your target demographics. Just visit our training page for contracted agents. (see tools here).

Then, you might want to consider an auto-dialer, so that you can reach three to four times as many people as just sitting there with a plain old telephone. Ones that come highly  recommended are CallFire and MojoDialer. Mojo used to be the tool of choice, but that has been replaced recently by Callfire, which is now the top solution our agents are using for cold calling.

What to Say

Please watch this short video. This program is HIGHLY recommended and usually consists of a half-day training seminar to learn these secrets. Now, there is a paperback book that shares this insider information. The reviews on this book all contain the highest praise I've ever seen for sales material - from a variety of industry insiders in various sales disciplines. It's good stuff!

 

So, can you start selling final expense by phone or sell Medicare Supplements without leads? Absolutely. It's slow going compared to fresh leads, but it's cash in your pocket with almost nothing out of your pocket to get started.

Christopher Westfall
www.SellMedicarebyPhone.com

Don't Miss Your Piece of Cake

Don't Miss Your Piece of Cake This Time!


I hear from agents all the time as to how they are looking for a fresh, new opportunity. They say they're looking for free leads, a new concept, something that has never been done before. They're trying to get in front of the next big wave of insurance opportunity that has left them in the dust in the past. They often say, "If I had only gotten into Medicare Supplements years ago, I'd be RICH by now!", etc.

Well, if you are an opportunity seeker, I have great news for you now. The ObamaCare "Hope and Change" train has crashed through the medicare world and the damage assessments are being done now. Many experts in our industry agree, the opportunity for those in our industry will be unlike anything in a very LONG time.

Medicare Advantage has, over the past few years, been harder and harder to sell and become such a pain - with all of the regulations, Scope of Appointment form scrutiny, commission reductions, replacement prohibitions, etc. This has now been topped off by a president who wants to eliminate the medicare advantage altogether. See the video of President Obama saying so here.

We are already starting to see the effects in one of the major carriers, CIGNA, pulling out of the 2011 Medicare Advantage bidding process. The Department of Health and Human Services fired off a letter to CIGNA and others, telling them that they must avoid raising rates on their members if they want to stay in the Medicare Advantage market. This, while they're simultaneously cutting the subsidies to the carriers for providing the same service. CIGNA responded by declining to participate in national Medicare Advantage going forward.

This is a trend that will continue. To the extent that they can get away with it - to remain profitable, the insurers will have to increase monthly premiums to their Medicare Advantage clients. They will also have to increase co-payments and other internal costs passed on to the members. HHS has made it clear, however, that they will not be approving such changes. So, backed into a corner, more will be making their exit from the marketplace. 

This will be a horrible blow to the seniors, as I predicted in this video that got rave reviews from all except for AARP - who wrote me a Cease & Desist letter for mentioning what they were up to. They got their bill, and now the results that I predicted are coming true.

This will be a huge opportunity for those agents wanting to help potential clients with medicare supplement choices, as the Medicare Advantage market will begin to dwindle starting in November with thousands of members getting letters explaining that they have 1) Guaranteed issue into any medicare supplement provider for 1/1/11 and 2) They MUST pick a new plan/provider by 1/1/11 or the government will pick one for them.

This happened last year when Coventry left the Medicare Advantage market and it was a huge boost to our enrollment in medicare supplements. That was just the first break, and the tidal wave is coming.

Will it be hard for low income seniors? Absolutely.  Somebody will have to write applications for seniors going onto medicare supplements, though, and it might as well be you.

Agents wanting to take advantage of the new opportunities should visit: www.sellmedicarebyphone.com

Health Bill Slashes Medicare Benefits

From: http://republicans.waysandmeans.house.gov/News/DocumentSingle.aspx?DocumentID=177286

Congressional Budget Office Confirms Democrats’ Health Bill Slashes Medicare Benefits by $816 for Millions of Seniors
Friday, March 19, 2010

The non-partisan and independent Congressional Budget Office (CBO) today released an analysis detailing just how harmful the Democrats’ half-trillion dollar cuts to Medicare will be on millions of seniors. The analysis specifically examines the impact these cuts will have on seniors in the Medicare Advantage (MA) program. Today, nearly 11 million seniors rely on MA plans for their health benefits, which the Democrats have targeted for $202 billion in cuts. CBO confirmed that if these cuts take effect, 4.8 million fewer seniors will be enrolled in these plans in 2019. So much for the oft-repeated promise of being able to keep what you like.

Furthermore, CBO notes that “Medicare Advantage plans …provide their enrollees with extra benefits” that traditional Medicare does not offer (e.g. dental and vision coverage, reduced copayments, lower premiums, etc.). However, because of Democrats’ drastic Medicare cuts, the non-partisan CBO predicts the value of extra benefits received by seniors enrolled in MA will be slashed by $816, on average, in 2019. So much for the Democrats’ claim that their Medicare cuts won’t harm seniors health benefits.