- As an ICA with UHC do they really give you enough leads to make 40K to 75K? (if so, how do they generate them?)
UHC focuses their marketing almost solely on AEP with MA
. I joined them last year, but in the middle of AEP, so I missed out on most of the leads. The others in my ICA group got around 100 leads. The leads are mainly created through AARP
ads. People send in a request for more information. They send the cards in, and you are given their information, then you call to set an appointment. I probably set 9 out of 10 leads, closed 85-90% of those. So yes, you do get enough leads to make $40-75k, depending on how good you are at getting referrals.
- What will be the likely product mix that I will mainly sell under the UHC ICA system? (ex. 80% MA, 20% med supp.?)
Like I said above, they focus most if not all of their marketing dollars on MA
for AEP. Everything else will be whatever business you drum up. From their leads, I sold one Med Supp. Most of the leads specifically wanted MAPD
- Is the UHC ICA system good or would I be better off independent?
If you want medsup, you would be better off independent as their marketing focuses on MA
. You would have to buy your own calling lists, whether you are independent or an ICA. If you want a boost to your income at the end of the year, go with the ICA as they are the only ones that get the leads.
- Will I be able to sell many annuities under the UHC ICA system? (I am not captive for other products they don’t sell, according to what they tell me)
The laws regarding cross selling are very stringent. I will leave the details of this to someone that knows the laws better. I think you are better off not trying to cross sell, at least not right away.
- Can you sell many annuities to MA prospects, or do they mainly not have enough money?
I have sold MA
products to those that have a lot of money, and to those that are very poor.
If you really want to cross sell, it may be best to stay away from MA, but I could be wrong. I know you can cross sell anything you want right after closing on the Med Supp. You can also cold call on Med Supps, where you can't with MA products. The marketing laws surrounding MA are very strict and limiting. Selling MA all year can be very difficult, where Med Supps are much easier.
- Would I be better off and/or make more $ by staying away from MA and doing Medicare supplement as the “door opener” to an annuity/LTC/Life sale?
- If I'm independent, what ages and mail pieces work good? ( I am always told turning 65 leads are best, but they are limited to about 500 to 1,000 names in my area, so what else works?)
T65 is really good for Med Supps, they are no good for MA
since you can't cold call. Lists for those over the age of 65 are also good, if you know how to use the phone; I would suspect Frank would agree with me.
I hope this information is helpful.