You believe your own dishonest sales pitch. Everyone, INCLUDING YOU, is "in this business for the money." Be real. If you simply could not be paid in any way for helping people with Medicare-related products, you wouldn't sell them. Sure, you consider what you do for a living as a way to help people, yet I can promise you that if you didn't make any money doing it, you wouldn't be doing it. Same goes for school teachers, police officers, nurses, and a myriad of other people who love to brag about how they only do what they do because they "love to help people." I wonder how many school teachers, police officers, or nurses would show up for work tomorrow if notified they would never be paid again for doing the work of a school teacher, police officer, or nurse, and they couldn't even accept a free-will offering.
Also, there is no law that prohibits a person appropriately licensed to do so, to opt to receive direct compensation from a customer for advice on insurance in general, or Medicare-related insurance products specifically, in lieu of receiving a commission for selling. Put another way, utilizing a completely different business model, in which people pay your an agreed-upon fee for your advise on what to buy or not buy, and not being contracted with they companies to sell products. In Kentucky, you must either hold a insurance consultant's license (not to be confused with the standard agent's license) or attorney's license to dispense such advice for a fee.
So, you just admitted you actually know about the alternative business model, and admit that it can be done, so what's your problem?
Once again, you just tell a flat-out lie. Money is not meaningless. Nobody does this business as a charity. Yes, we all direct a consumer to a source other than ourselves for insurance from time to time, as making a "bad sale" is both immoral and ultimately bad for business in the long run. And I enrolled plenty of folks in Medicaid in those early years of Obamacare, too, until I finally stopped fooling with Obamacare altogether as it simply didn't pay enough to justify all the training hours required. Last I checked, only one semi-retired agent in this town is even "certified" to sell on the individual exchange. It sucks up lots of time that can be spent doing something more productive. Perhaps it is profitable in California; be thrilled you got paid $50 per enrollee; Kentucky paid me zero.
Only 80% of them are cheap. I will note that the majority (about 80%) chose the MA because of the comparative premium costs of a supplement, and several were keenly focused on the "giveback" amounts and/or spending cards they could use for OTC and groceries or even utility bills. Yes, they are "cheap," with a what-does-it-cost-me-today mentality. I've even known people to change healthcare providers (because of network issues) in order get a kickback.
Now, before you keep going on and on about who belongs in this business, just look in the mirror and know you are looking at a liar. You will quit instantly upon being informed you will not longer be paid, yet you profess you aren't in it for the money. Liars don't belong in this business, though they are plentiful.
Interesting, you have the same business model as I do. More interesting is that you refer to it as the "best possible source of income" . . . but I thought you said you weren't in it for the money?????
