Here’s my story- Started w/MEGA (totally blind). It only took a couple of weeks for me to see; why they don’t recruit licensed insurance agents, why they bring in about 30 new prospects a month, and why they only have about 5 agents who have been there more than a year. Needless to say, I terminated the contract.
Now here’s my Dilemma. Since then I have signed up with Humana, AFLAC, ASSURNET, Celtic, Golden Rule, HPA, AIM, and ACHO insurance companies. I also signed up with NetQuote and get about a lead a day. I am totally overwhelmed, when I receive the lead I am not exactly sure which way to direct them, I seem to have product information overload and offer to many options. I am a hospice volunteer and I joined the business because I wanted to help people especially those with pre-ex. Any advice on direction would be highly appreciated.
Run rates here....hit the see all plans and group by company....and read to find out which plans have the most holes and caps......also there is a tab you can pull up and save all plans in pdf.....
run rates here....hit the see all plans and group by company....and read to find out which plans have the most holes and caps......also there is a tab you can pull up and save all plans in pdf.....
I really want to get started myself but not sure which direction to go. Health insurance seems to expenseive for everyone, life insurance is needed but gets but on the back burner when times are tough and medicare advantage is getting harder all the time.
Do you think final expense would be the safest route right now? I am new but have another agent that will go on appointments with me for a while.
Compare 2500 deductibles and see which one is cheaper
Typically HUMANA TOTAL AUTOGRAPH HSA is going to be the best HSA because it provides $300 of preventative care before hitting the deductible.
Depending on what they are looking for Cheaper Catastrophic Type Prospect guide toward the HSA's, DUMB uneducated Prospects that want copay plans (80%) sell them a copayment plan.
It stamps it ehealth on saved quote but however but you can copy and paste to word or an email and licve the ehealth off
Yeah, thats what I'd do, I figured it would put the ehealth garbage on there. Is there a "save" button somewhere? I cant seem to find it. I did manage to email the quotes to myself, but it leaves off the premiums.
Try to understand all of the carriers plans. Then compare them to each other. Looks for selling points of each plan and points in which to sell against.
Once you have that info down then try to understand what your prospect thinks is the most important. Then sell from there.
Being new in the business I would recommend you go out and generate your own leads because if your up against 7 other agents from an online lead you might have a hard time selling.
Let the prospect tell you what they want... they will want everything covered 100% and at about $50 per month for the whole family, so that is obviously never going to happen, so you need to then back- track and tell them what you can cover and at what price, and let them decide. and, the fact that you are helping them decide -gets you some bonus points. or not.
Compare 2500 deductibles and see which one is cheaper
Typically HUMANA TOTAL AUTOGRAPH HSA is going to be the best HSA because it provides $300 of preventative care before hitting the deductible.
Depending on what they are looking for Cheaper Catastrophic Type Prospect guide toward the HSA's, DUMB uneducated Prospects that want copay plans (80%) sell them a copayment plan.
Hope this helps...
Why would you recommend the Consumer Choice plans instead of the FIT plans? The Consumer Choice plans have a very limiting RX card, no ER copay, and don't pay lab and x-ray at the doctor's office.
The only advantage to showing them would be the fact that they are a little more of an apples-to-apples comparison to the other plans you mentioned. The RX card is still more lacking...
If the FIT plans aren't competitive, Unicare is out of the equation with me... I'd much rather offer an Aetna plan...
Overwhelmed and confused
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