For those of you in the Senior Market that stay BUSY Jan to August:
* What products are the easiest to get leads for?
T65's is basically it. You can try to market med supp changes but most can't/won't change unless it's a big enough difference and most won't want to change until AEP because that's when they've been told is the time to change.
* What products are easier sales/higher commissions?
$0 premium MAPD
are generally an easy sale and the first year commissions are generally higher than supplements. Many here will argue (rightly so) that supplements are the much better product though, and they have less volitility with carriers and benefits.
* Is DM a best value for leads?
When you're starting out, generally yes. They're much more consistent than virtually any other marketing technique which is important starting out.
* Any Senior FMOs ACTUALLY
help agents be more productive?
Ritter seems to do pretty good.