These guys got big agency and had 30 meetings each with carriers and other fmos . There basically laughing at fmo’s running around shouting “ are overrides are safe “‘ because it says so on page 972 . There saying everything and they mean everythings up in air . Carriers are all banding together with counsel and asking cms for further clarification on tons of stuff . Nobody’s knows final outcome but there saying massive changes coming . Most people in industry agree they say a huge shift toward loa’s coming . So the days of an Indy just jumping in and getting marketing help are over basically .
I personally would have never jumped 90% into Medicare if my leads weren’t paid for . Due to saturation of Medicare advertising both in social media and direct mail it’s caused direct mail Medicare mailers response rates to fall . Mailers can range from $60 to $100 a lead depending . Selling in June when you make $150 (prorated ) you can’t pay $100 for a lead . With mass chaos coming you might not retain that client into the new yr . You haven’t had enough time to form a relationship with a lead . That’s why the loa model will be dominant .The person your under Will “front “ your pay and they’ll hopefully make there profit in the renewal yrs . Big change coming for all
