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Aaron Levy

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Posts posted by Aaron Levy

  1. Hello , 

    I did not realize that multi-level-marketing (MLM) is a huge part of the insurance business. But it is.

    Here is the plan.  Allow contracted agents to send out invitations to other agents. It is a simple procedure that does not need my involvement. You earn monetary difference between what your sub-agent sells at and your contract level. NAAIP agents start at **% for these two carriers. Thousands of agents start in this business at 30% while experienced agents usually earn ******%.  Agency building with NAAIP is a way to live the American dream

    In the very near future I will announce that our website/quote engine builder will have a white-label version. This means that you will be able to use NAAIP technology to build your agency and your agents won't know that NAAIP exists. 

    I am anticipating that NAAIP websites/quoters will become industry standard soon after our white-label technology "takes off." At that point, I will stop recruiting agents at **% and will concentrate on supporting successful agencies in their recruiting and training efforts.

    NAAIP is in negotiations with additional insurers to join our MLM. Our MLM puts you at the very top level (btw, we can go higher than **%). This is a do-it yourself MLM. You should be the focus of your marketing efforts, and I am here to support you. 


    Starting right now, I would like you to be familiar with and to sell our two primary carriers to start this huge enterprise

    Let's discuss the details of NAAIP's MLM at our 6-day per week conference call. At the call, I can give you the $19.95 coupon code for the insurance agent pre-licensing course.


    In your NAAIP back office, you can see clearly the details of how you can receive advance commissions.

  2. Hello ,

    I am sure you know that NAAIP wants to change this industry. This is not news. 

    Our two favorite carriers  want more business. 
    I am depending on you to learn and sell these products. Because of existing relationships that the carriers have with other marketers I am not allowed to publish online how high that you are allowed to receive. 

    If you are a recruiter or top-level agent NAAIP can take care of you. Talk to me. Show me your production.

    Regarding advanced commission, I am here for you. Again, talk to me. 

    Emma Pinkston's website www.emmapinkston.com is doing super-well. Emma is finally earning at the level she needs thanks to my company's beautiful technology and recruiter-level commissions. 

    I want to talk to you about you making this work. Join the discussion at our 6-day per week conference call. Next call is in 10 minutes. 

    Monday to Thursday Noon & Weekends 2pm ET
    Dial (888)532-9320 - No Pin needed

    Advertisements are on  - after 25 hits, to hide the adverts you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and $9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money.

  3. Subject Line: NAAIP is bumping heads with top-level MLMs and we intend to win!

    This is serious and I need your help. 

    There are about a dozen top-level MLMs/Recruiters that have partnered with a few of the largest insurers in this business to have  a gentleman's agreement to not "rock the boat."

    Unfortunately for NAAIP but fortunately for you, NAAIP was not invited to this "party." 

    Couple this with the new reality that Facebook has become huge. Certain MLMs/Recruiters have seen rapid rises with the help of Facebook. 

    Unfortunately for that MLM/Recruiter, all their agents are on Facebook which allows NAAIP to skyrocket. 

    Here is the plan. Offer recruiter-level  commissions to all agents. No questions asked. NAAIP will not be able to offer contracts for those few carriers that are extremely name-brand.  But it is preferable to sell a similar or superior policy to your client and you pocket much, much more commission. 

    If you are a recruiter or top-level agent NAAIP can take care of you as well. Talk to me. Show me your production and I will take care of you. 

    Regarding advanced commission, I am here for you. The whole MLM system is based on the upline guaranteeing the loans. For a top-level producer there is minimal risk but you have to show me the numbers.

    The alternative is for you to make the first sale  "as-earned" and then we can move you to "advanced" at a lower commission level. After 10 sales I will move you up back up halfway and when you have 20 sales it will move you back to the original compensation with the advances. I believe this is the best way to do business. If you have the production that will allow me to assume more risk then send me the proof. 

    I want to talk to you about you making this work. Join the discussion at our 6 day per week conference call. Next call is in 10 minutes. 

    Monday to Thursday Noon & Weekends 2pm ET
    Dial (888)532-9320 - No Pin needed

    Advertisements are on  - after 25 hits, to hide the adverts you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and $9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money.


  4. Subject Line: cancun vacation to you for inviting 10 friends to naaip's facebook group. it is true.

    Hello ,

    Incentive based marketing works and I want you to enjoy a luxury 5 night  luxury vacation in Cancun, Mexico. 

    Here is my offer to you: 

    • Invite 10 Friends to NAAIP's Facebook Group https://www.facebook.com/groups/naaipagents/
    • Have your NAAIP website set up properly on your own domain name. I can help you on this but it really only takes 3 minutes. 

    This offer will be available for the next seven days. Don't let this pass by. You will be staying at a 4 or 5 star hotel and only have to pay taxes and resort fees. Pennies on the dollar.

    Take a selfie video of yourself having a great time in Cancun so you can post the video on your website. Explain to your prospect that the vacation is real from your personal experience. 

    In the meantime, get a glimpse of Cancun on this short video.

    I am still super excited about Oxford Life and United Home Life. Learn these products even though the Cancun vacation that I am giving you is not dependent on anything but the two bullet points above.

    Good feedback from Emma Pinkston's website www.emmapinkston.com - My programmer will be doing a redesign of NAAIP's home page which will have links to 10 to 20 real agent websites. If your site is chosen to be linked from NAAIP's home page it will help you in moving up Google. To be considered for that home page link please talk to me.

    The final expense quoter form at the top of agent sites seems to be popular. Our programmer is making similar for Medicare and health. Later today your NAAIP site will have a Health a Medicare quoter form (which really only collects client information) able to be placed at various positions on your site.  Go to Quote Engine Position to manipulate the quoters later in the day.

    Since my last email blast I have become somewhat of an expert on state regulations regarding offering incentives to prospective clients. Join the discussion at our 6 day per week conference call. Next call is in 10 minutes. 

    Monday to Thursday Noon & Weekends 2pm ET
    Dial (888)532-9320 - No Pin needed


    Advertisements are on  - after 25 hits, to hide the adverts you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and $9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money.

  5. Hello {agent},

    Website News:

    I did a switch. If the term life quote engine was sitting at the top of your site and Final Expense quoter was at the bottom, then they are now reversed. The FEX is at the top. You can edit back at Quote Engine Position.

    The mission statement of NAAIP has become to provide full-time employment for agents to sell Final Expense and Mortgage Protection insurance.  We have a great system and you might as well join in. 

    Incentive-based marketing works. I will give you a free luxury vacation if you set up your NAAIP site well and make one sale for either of our favored carriers. Between these 2 carriers, you have 6 different Final Expense Policies. Recruiter Level Commissions are listed on the linked pages. We offer advanced commissions for those that need up-front cash. We are not playing games. 

    Congrats to Emma Pinkston who edited her website with my help to highlight a free vacation to Orlando or Las Vegas for booking an appointment. Emma is a notary public and also helps her neighbors with their "Last Will & Testament." Emma and I are working on her Facebook Advertisements. Filled out forms for 3 and 4 dollars is the way to go. 

    Holler If you want to put this video on your website: https://www.youtube.com/watch?v=SJI5gnDIQpw   - I am here to help you. You can use my account to offer your clients free luxury vacations. Unbelievable. 

    I joined MarketingBoost.com right before their price increased to $197/month. 

    These great ideas and discussions occur on my Facebook Group. A few days ago, I had to change the FB group address because of a technical issue. Please join.

    The 6 day per week conference call is going on for up to two hours. There is demand for my new-found technique offering a game-changing good deal for agents selling Final Expense.  Next call is in 20 minutes.

    Conference Call: Monday to Thursday Noon & Weekdays 2pm Eastern Time
    Dial 1(888)532-9320


    Regulations regarding incentives as per Florida below. Agents should check the regulations for their state.

    Per F.S. 626.9541  Unfair methods of competition and unfair or deceptive acts or practices defined.
    (m) Advertising and promotional gifts and charitable contributions permitted.

    1. The provisions of paragraph (f), paragraph (g), or paragraph (h) do not prohibit a licensed insurer or its agent from:
    a. Giving to insureds, prospective insureds, or others any article of merchandise, goods, wares, store gift cards, gift certificates, event tickets, anti-fraud or loss mitigation services, or other items having a total value of $100 or less per insured or prospective insured in any calendar year.
    b. Making charitable contributions, as defined in s. 170(c) of the Internal Revenue Code, on behalf of insureds or prospective insureds, of up to $100 per insured or prospective insured in any calendar year.


  6. We discuss Promocodes on daily conference call

    At the footer of www.naaip.org I have a link to https://www.webce.com/naaip - I believe very shortly I will be coming up with a better discount. This one is 10%

    check the footer of www.naaip.org under sales tools when you are ready to order or ask at our 6 day per week conference.

    Conference Call:
    Monday to Thursday Noon & Weekends 2pm ET
    Dial (888)532-9320 - No Pin needed

  7. Hello Agent,

    Subject Line: Free Vacation from NAAIP - Orlando, Las Vegas, Cancun, etc. 49 Cities/Resorts Available

    Christmas is Coming Early!

    I will incentivize you to do your job. To earn six figures. I will give you a free vacation. You have a choice of 50 cities and resorts worldwide. From 3 nights/4 days in Orlando or Las Vegas to 8 days /7 nights in Bangkok or Bali. Typically, a 4 or 5 star resort/hotel in which you only pay taxes/resort fees that average $25 per night.

    I joined MarketingBoost.com right before their price increased to $197/month. I am allowed to send out unlimited vacations, unlimited $100, $200 or $300 hotel/car rental savings cards and unlimited  vouchers that includes 55,000 local and chain restaurants with discounts of up to 50% off from Dining Advantage.

    Click on marketingboost above and tell me where you want to go. The location has to be at least 100 miles from your residence and 30 days from the booking. I can only give you one free vacation per year. If you want to have these incentives in your arsenal, please join with the link above which is NAAIP's affiliate link. Please be aware of state regulations as to specific dollar amount of incentives that your state allows. 

    I have seen insurance agents use incentives to set appointments and encourage referrals. An insurance agent must be aware of state laws which prohibit incentivizing the actual purchase of a policy. 

    Here is what I need you to do. (I can help you with each point)

    1. Set up your NAAIP website properly on your domain name.

    2. Properly understand "Moving up Google" by watching the 13-minute video on this page https://www.naaip.org/buy-domain 

    3. Set up your website in with Google Local and Maps (then Bing Places). 

    4. Join my Facebook Group  & Like my Facebook Page - Give 5 stars and make a nice comment.

    5. Subscribe to my YouTube Channel and make at least one comment - You can access by clicking on any NAAIP video. 

    6. Refer at least one agent to sign up to NAAIP website - tell me his/her name. 

    7. I need you to register for Dental Plans and link it up properly to your NAAIP website. If you want to delete it afterwards that is fine. You should be aware that NAAIP websites are very good for products that have click to buy. 

    8. Be cognizant that offering prospects a Free Will is a "Winner." Consider being a Notary Public and carrying a portable printer in your car.

    9. Be cognizant that Facebook Leads are huge. Especially using incentive-based marketing - I can help you set up/run the account if you work with NAAIP. 

    10. Be cognizant that postcard marketing is huge. Sometimes it is best to just knock on the door, explaining that you sent the postcard already. 

    11. Be cognizant of the tremendous resources at www.naaip.org/lead-services. Tell me how much time you were on this page.

    NAAIP is working hot and heavy for  United Home Life and Oxford Life. NAAIP's mission statement is to get agents selling these two carriers. United Home Life has a tremendous product line that includes five different Whole Life/FEX policies (up to 150k), Term till 300k and accident that can get to 200k. 

    More Website News: You can now put the FEX Quote form at the top of your site. Check out your back office and the two new buttons Quote Widgets and Quote Engine Positions.

    Soon enough NAAIP will have a "Free Will" at the bottom of all sites and be able to be white labeled for recruiters. Patience, my dear. 

    NAAIP is aiming to be a dominant player in the insurance. I need your help. Please join our 6-day per week conference call, and we will figure out together how to make this work.

    Conference Call:
    Monday to Thursday & Weekends 2pm ET
    Dial (888)532-9320 - No Pin needed


    Regulations regarding incentives as per Florida below. Agents should check the regulations for their state.

    Per F.S. 626.9541  Unfair methods of competition and unfair or deceptive acts or practices defined.
    (m) Advertising and promotional gifts and charitable contributions permitted.

    1. The provisions of paragraph (f), paragraph (g), or paragraph (h) do not prohibit a licensed insurer or its agent from:
    a. Giving to insureds, prospective insureds, or others any article of merchandise, goods, wares, store gift cards, gift certificates, event tickets, anti-fraud or loss mitigation services, or other items having a total value of $100 or less per insured or prospective insured in any calendar year.
    b. Making charitable contributions, as defined in s. 170(c) of the Internal Revenue Code, on behalf of insureds or prospective insureds, of up to $100 per insured or prospective insured in any calendar year.



  8. NAAIP was recently tasked with making a Final Expense Carrier America's #1 Final Expense/Whole Life/Mortgage Term carrier. It will be a relatively easy job for us to accomplish.

    Here are the bullet points:

    • 5 different FEX/Whole Life products. Preferred, 2 Standards, Graded and GI.
      The Preferred FEX is called Provider Whole Life and offers from 10k to 150k in whole life and is not shown on fexquotes so you may not have known about these super-competitive rates. 
    • No E&O required
    • All forms, quote engines, applications are online with password protection. Use password USA to access.
    • Over the phone selling made easy. UHL FEX, Term and accident can be sold by phone.
    • UHL's term life combined with accident is perfect for mortgage protection. 
    • Commission levels: ask us.

    NAAIP's mission statement is to recruit and train agents to sell FEX's product line. I encourage agents to put our final expense quoters at the top of your NAAIP website - example site. These changes can be made in your back office via "quote engine position", "Header image(big)", and "Pop-over in header image." It would be a good idea to change the content to include information on the product that you are selling by editing "Content Management." 

    I have beefed up our page https://www.naaip.org/sell-final-expense-by-phone and https://www.naaip.org/lead-services with more great information and resources. I will walk you through the exact steps that you must do to make a sale a day for United Home Life.

    FEX products are simple - No invasive testing. A few yes/no questions to determine eligibility.  I have a feeling that UHL is the perfect fit for NAAIP agents. 

    Soon enough, NAAIP will have a "Free Will" at the bottom of all sites and be able to be white labeled for recruiters. Patience, my dear. 

    Join NAAIP's Facebook Group  - FEX carrier recruited us because they were impressed. Having lots of agents in our Facebook Group helps. I need everyone who reads this email to join NAAIP's group. It is a great resource to interact with our agent services and other NAAIP users. Facebook is Huge!

    New Conference Call Times. Monday to Thursday Noon & Weekends 2pm ET - I am dropping Friday and Adding Saturday at 2pm. Bring a friend, even a non-licensed person, to join. The training that will be provided on the conference call will cause any normal person to earn a decent living. 

    More news: The Brokerage Company that NAAIP was referring agents is not happy with the type of agent that we have been sending. The brokerage company  is adamant that NAAIP should not refer them new agents that earn less than 100k per year. I have to respect their wishes.

  9. Subject Line: {$name}: It's All About the Benjamins w/ NAAIP

    "It's All About the Benjamins" is slang for making money. A Benjamin is a $100 dollar bill.  

    My job is to some how, some way figure out the way to get NAAIP to 20, 30 and then 40 and 50,000 users. To make NAAIP synonymous with high quality free-forever websites, quoters and sky high compensation if agents sell through us as the up-line. Currently, NAAIP is sitting at 10,674 registered users.

    Your job as a licensed insurance agent is to make a sale a day or a few sales a week. To be consistently earning 6 figures per year. 

    NAAIP technology is always improving but this latest improvement is a winner. Our programmers made https://www.naaip.org/quote-engine-agent-websites. Additional iFrame html quote engine widgets for FEX, health, medicare, homeowners, renters, boat, motorcycle, condo, business and more. We placed these quoters at the bottom of all sites. Agents can place the individual quoters on non-NAAIP sites using the codes from the link above. There is another day or two for the programmer to work to make the quoters for NAAIP sites more editable, etc. In the meantime, great programming work is sitting at the bottom of your NAAIP site. 

    Perfect programming and thousands of agents relying on our brain-power will help NAAIP get to 50,000 agents. I am all-in in helping agents succeed. Leads (getting in front of prospects) are so important for agents. I am constantly updating https://www.naaip.org/lead-services.

    NAAIP is part of an incredible incentive-based marketing programming. Free vacations, free restaurants. I have the ability to give away a free 4 day/3 night vacation in Orlando, Las Vegas, Cancun and dozens of other locations. I will be using these gifts to incentive you to

    1. Signup to NAAIP.
    2. Properly host your NAAIP site on your own domain.
    3. Do proper steps to move up Google, Google Local/Maps, etc.
    4. Sell insurance with NAAIP as the up-line. Incredibly high commissions, especially with with my favorite, FEX/Annuity/SPWL carrier. Join us at a conference call for details. 
    5. Remove the adverts on your site by selling/referring or paying a measly 99 cents per month. 

    Agents can use incentive-based marketing to boost business. You have to be aware of department of insurance regulations that forbid you from incentivizing the purchase of an insurance policy. Yet, incentivizing the filling out of a lead forms and meeting the agent seems to be OK as long as you don't demand that one must make a purchase in order to get the free vacation/restaurant. As well, incentivizing referrals from your existing clients is OK. Imagine showing your appreciation to your existing client base by giving them a free vacation after they refer you to their friends. Amazing. 

    If you decide to join this incentive based marketing program it would be $41/month. Click here. NAAIP is a partner/affiliate. Click our link which is also located on our lead-services page. Lots of good resources in the incentive-based marketing back office. Facebook lead help in particular.

    In the future, if you decide not to pay the $41/month you can have NAAIP send the free vacation/restaurant link to your people. I would love that you know this program well so that you can explain the program and have use of the resources in the incentive-based marketing's back office. 

    I figured out that Facebook and Facebook Groups is HUGE. Join NAAIP's Facebook Group -NAAIP's Facebook Group

    We placed advertisements on - after 25 hits, to hide the ads you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money.


  10. Hello ,

    A huge part of selling financial products is coming across as a professional.

    Let's Do It!

    You're NAAIP is part of a list that is a.) not properly hosted or b.) has advertisements on their website. Not good. 

    For the longest time, I have been encouraging agents buy a domain and do proper hosting. Buying a domain from Godaddy using a coupon code is $5 for the first year and then $10 per year for the next two years. Afterwards it would be $18. I would recommend that you change over to Cloudflare at $8 per year instead of paying the $18.

    NAAIP websites are free forever, but we place advertisements on your site after 25 hits. You have the option to sell through us at the highest commissions levels in the industry or refer to us and the adverts will disappear. You can even sell through us years later and I will refund whatever payments you have made. In any case, the payments to hide the adverts are tiny. First month with a promo code is 99 cents and afterwards $9.99.

    Here is the plan. I can take care of everything. a.) Join the conference call and I will walk you through what must be done. It is described here anyways. https://www.naaip.org/buy-domain with relevant videos. I will give you the 99 cent promo code during the conference call. 

    The other alternative is to give me your credit card/paypal info.

    1. I will hide the advertisements on your site that appear after 25 hits. I will not use the promo code. It will be $9.99/month from the start. Obviously, if you sell via NAAIP and input sales in your NAAIP back office the adverts/payments would not be an issue.

    2. I will open a GoDaddy account for you and make a 3 year domain purchase. I will choose the domain from the list on https://www.naaip.org/buy-domain - We will be on sms/text message contact for you to confirm that you like the domain.  Then I will purchase the domain in your account for 3 years.

    3. I will properly host your website via DNS IP address in your GoDaddy and NAAIP back office. This is a 2 step process that takes 3 minutes. I will do this for you. 

    Hopefully, when your site is properly hosted you will spend the 13 minutes to learn how to move your site up Google, Google maps, Google local, etc. I am making a link to that YouTube video on this email.

    As my Daddy told me when I was a kid. Don't be Stupid!  lol. 

    Seriously, this is so easy and so important for you to impress others that you are a top-level professional. Let's do it. 

    As you know we placed advertisements on - after 25 hits, to hide the ads you can sell through NAAIP, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards. 

    Thank you for giving me the opportunity to help you earn more money

  11. when can consumers eligible for unitedhealthcare sco plan enroll if the consumer has both medicaid and medicare?
    answer: once per quarter during and during aep

    while determining if carl is eligible for the UHC sco plan, anne learns that carl does not pay copayments when he goes to the pharmacy.
    what that may indicate.

    answer. carl may be enrrolled in pace. if that is confirmed carl should not enroll.

    uhc sco is a fully integrated dual eligible fide (fide)snp offered in MA. the plan covers remibursed under medicare and masshealth, the ma state medicaid program.

    the uhc sco plan also provides specialized geriatric elder support services and respite care for families and caregivers in addition to providing the medicare and medicaid benefits.

    medicaid in ma is called masshealth
    is combination medicaid and state childrens health inssurance plan (schip) in one program.

    to be eligible for masshealth, must live in ma, have low to medium income and meet certain financial eligibilty requirements.

    masshealth offers six coverage types of individuals, families and people with disablities.
    masshealth standard
    masshealth common health 
    masshealth careplus
    masshealth family assistance
    masshealth premium assistance
    masshealth limited

    only individuals enrolled in masshealth standard who also meet the eligibility requirements
    maybe enrolled in uhc sco

    Pace is the program for the all-inclusive care for the elderly progrram covered by medicare and masshealth. in some areas it is referred b to as the elder service plan (esp)
    special consideration should be given prior to enrolling a pace covered person in SCO. pace offers
    coordinated care provided by health providers, additional covered services (meal delivery) and case management.

    the purpose of a sco is to keep members as independant as possible, whether they live in the commnity or in an institution.

    to achieve this goal, the plan offers benefits in addition to those covered by Original medicare and medicaid alone.

    as a fully integrated plan, members  receive all their medicaid and medicare benefits through UHC.

    sco plans are like health maintenance organizations hmo. and require each member to select and use 
    an in-network pcp primary care physician. 

    community service - adult day care, housekeeping, home delivered meals, transporrtantion, are covercovered if guidelines are met

    other benefits and services, drugs - no copayments or out of pocket costs for covered drugs and for over the counter medications orded by the primary physician (unlike masshealth only coverage)

    dental- routine exams, cleanings, fillings, dentures, implants, and more in addition to masshealth.

    vision, annual eyeglasses and hearing benefits.
    transportation to all medical benefits
    hospice at in network hospice providers for masshealth standard recipients without medicare(original medicare still covers hospice for those with medicare)

    masshealth - medicaid -standard sco members must be enrolled in masshealth... most will be covered by medicare, but it is not required for enrollment in uhc sco.

    cms granted permission to the state executive office for health and human services eohhc to require that medicaid only individuals be included in the sco eligible eligible population.
    sco plans contracted with MA are required to provide the same benefits to the medicaid only members as medicare  and medicare covered members.

    care management team is responsible for care planning and service coordination of all medicare and masshealth standard covered services.

    a health risk assessment tool is used to assess the level of each member's health care within 30 days of becoming a member. all members assessed at least twice a year, with more frail members being assessed more frequently.


    care management proactively works to coordinate care and service as a seamless model of care.
    this is a fundamental aspect of the UHC sco and is also a key selling point.

    uhc sco care management provides recomendations for timely, medically necessary covered health care services in an appropriate setting.

    uhc sco care management focuses on primary and preventative care. care managers share servics and care plan information with the member's Pcp. in addition. the uhc
    sco clinical team has a healthcare service coordinator to help assist members get on boarded onto the plan and obtain preventative services they may need , such as flu and pneumonia vaccines.

    uhc sco care management provides access to telephonic support 27/7. members are able to call toll free to reach health care professionals to ask questions and discuss concerns about their health care.

    uhc sco care management seeks to optimize a members health and well being by helping the member obtain the medical and home/communitiy based services they need. such as personal care assistance, home health and adult day health.

    to enroll in uhc sco plan, what level of medicaid must the consumer have. answer enrolled in masshealth standard.

    what is NOT a component of care management?  providing community services is not specifically a function of care management. the other choices were.

    eligibility to uhc sco plan. - prefacing. best practice to not be intrusive ,, asking in a nice way personal questions. .. ask for approval to continue. 

    is the consumer 65 or older?
    is the consumer enrolled in masshealth standard
    does the consumer live in the plans service area
    does the consumer have esrd
    does the consumer only have masshealth and live in a hospice that is outside the plans netowkr.
    does the consumer qualify for masshealth standard through frail elder waiver - few

    consumers must have a valid election period to enroll or disenroll in uhc sco plan.
    medicare and medicade can enroll during the Medicare initial enrollment period - iep - and the annual election period aep, the medicare advantage open enrollment period oep and available special election period sep. 
    consumer with medicare and medicaid can use the sep for dual/lis maintainting once per calendar quarter from january till september

    medicaid only consumer are not restricted by cms election rules and can enroll/disenroll monthly.
    the plans effective date depends on the election period used by the consumer. when sep/lis maintaining is used the plan effective date is the first day of the month following the receipt of the enrollment application.
    the date the agent signs the enrollment application is considered the reciept date.

    pace stands for program for all inclusive care for the elderly
    pace is unique benefit under medicare and medicaid that focuses on frail seniors who meet the states standards for nursing home care.
    it features comprehensiv medical and social services at an adult day health center. - in home and or in patient facility. for most participants , the comprehensive care allows them to remain in their home while receiving care, rather than be institutionalized. 
    a team of doctors, nurses and other health care professionals assess a participants needs, develops care plans and delivers all services under one integrated plan.

    PACE is available in states like MA that have offered to it through their medicaid program. 

    pace and other sco plans. when consider enrolling consumers in uhc sco, be sure to determin whether the consumer is enrolled in pace. unless their is a compelling reason, it is generally nor appropriate to enroll pace members in uhc sco. these members are very frail and moving to sco may require changing providers.

    these maybe the reason to change to sco.... that the pace member moved out of the pace service area.
    that the member does want to stay with her pcp and wants to use a pcp with uhc sco netork.

    there are numerous pace sites in MA. see online.

    there are six uhc sco plans in ma.if consumer is not happy with providers may change, but ussually not
     by seeing the insurance card one is able to know if with plan already.
    if consumer states that pays no copayment for drugs then agent must seek confirmation that not with pace or sco.
    if on adult day care - then cross reference the pace centers. which is comparible to benefits of sco.

    marketing.. be complient... agent must take and pass the events basic module. take the module to present the plan.
    only enroll if good for consumer..

    signed and dated by agent, review medicare card for accuracy..

    provider directory for their area, pharmacy formulary will be mailed in welcome kit. if want provider directory for additional area they may request and it will be mailed at no cost.
    agents should use online directory  and formulary.. and encourage members to contact customer service or online to confirm up to date provider status.

    agents should look up online the doctor status... 

    jarvis,uhc toolkit, uhc sco promo materials, phd, jarvis wrap, search tools, uhc toolkit,, additional sales tools

    be knowledgable about medicaid eligibility requirements and masshealth benefits, scope of appt

    review current health coverage, verify if have masshealth standard. 
    look up consumers providers, pcp, if in network. must be willing to change pcp if not in network.
    explain how to access doctors. confirm understanding of plan. explain, review the sco enrollment guide.
    explain costs, details. pcp name.

    enrollment guide to rules about enrollment, cancelation, disenrollment ... 
    consumer may cancel before effective date....
    cancelations in writing .,. and effective till end of month..
    effective till ineligilbe .. they are in service area and in masshealth standard.

    venues to sell should be accessable to wheelchair.. and public transportation.. if inquire about eligibility refer to eohhc]

    agents must make available to uhc sco, upon request, all schedules of selling and activity to sell.

    consumers should have upon request.. relevant info..

    agents use approved materail,,,access used by uhc sco materials.... distribute that material by mail
    promo material if less than 15 dollars

    no incentives to enroll or refer.. no door to door, or unsolicited contacts..must only use approved scripts, etc.

    select with group of individual might qualify for medicaid?
    certain person and famililies with low income

     requirement of masshealth?
    live in MA

    which is the following compenents of uhc sco plan is considered its foundation
    care management

    which 2 are true about uhc sco care management program?

    a health risk assessment tool is used to assess the level of each member's health care
    care management team is responsible for care planning and service coordination of all medicare and masshealth standard covered services.

    when will johns coverage begin - only medicaid- if sign up nov 10th?
    december 1 and use current year app..

    which of the question could you ask the consumer to determin if they have pace or another sco plan?
    do you currently pay copays for drugs.

    requirements of uhc sco plan.
    resident of service area.

    which of the following about esrd. and uhc sco?
    may not enroll in plan unless has uhc or the ma plan that they have has terminated.

    what is  best describe pace and why no good to enroll them in sco plan..
    it is an optional benefit under medicaid and medicare that focuses on frail seniors who meet their states standards for nursing home care. pace features comprehensive care that allows members to remain in their homes while recieving care. enrolling in a sco plan would change their providers and care approach. 

    mr javitz  saw his pcp is not in sco network.. and not willing to change his pcp. what should agent do.
    agent should not enroll him.

    health risk assessment .. statement is true.
    it is used by the care management team to determine the members level of healthcare needs.

    when presenting sco plan to consumer these 2 things agent must do
    look up provideers in online directory confirm if doctors are in network.
    explain that the doctor status can change the advise consumer to call the plan or look online to confirm before see dr.

    coverage guidelines do not typically cover in community services?
    pet grooming

    if medicaid only which is true regarding enrollment in uhc sco/
    enrollment can occur year round with continueous enrollment.

    what is the reason to enroll a pace member in a uhc sco?
    participant moves out of pace area.


  12. Hello Agent,

    For the longest time I have been shouting from the rooftop that agents should:

    1. Seek out the highest possible commissions.

    2. Figure out a lead system that works and then cut out the middleman/vendor. 

    Let's talk leads. Here, I created a page that could be considered the Wikipedia of insurance agent lead generation. I am constantly adding more information and links. Join our daily conference call for an in-depth discussion on this topic. 

    I have learned the following vis-à-vis insurance agent leads.

    1. Direct mail postcards and now Facebook leads are the primary lead source for a very high percentage of agents. 

    2. The postcard companies will sell you 1,000 postcards for $450-$500. Obviously, if postcards are a major part of your business you should print them yourself and send from the local post office.

    3. Facebook leads are much more complicated to set up for many agents. Facebook lead vendors are selling each FB lead from $20 to $25. Doing it yourself will have Facebook leads be between $4 and $8. This is a huge savings.

    4. To drum up business for our favorite FEX and Annuity Carrier which is Oxford Life - I will personally set up your Facebook account for you with your credit card. At a certain point, I will hand over the account back to you with instructions to press On to Activate the leads and Off and Deactivate. Very simple.

    In order for me to be intimately involved in your business, I need you to sell Oxford Life. Last month's newsletter explained why Oxford Life is my favorite carrier, notwithstanding super-high compensation. 

    I expect to be overloaded with work setting up Facebook advertising accounts for NAAIP/Oxford Life agents. Join our daily conference call for detailed discussion and sell lots of Oxford Life policies so I can put you at the top of the list

    It should be noted that I put back the 5 links of iPipeline at the footer of  NAAIP.org and this email. Many of the other 75 carriers that we contract agents for at the absolute highest commission are accessible via those 5 iPipeline links. Please register and be familiar with iPipeline.

  13. Question:  Agent is with another upline and she is with Walmart - Can the agent move to our upline.

    Answer:  If she has paid for the Walmart then it is hers.  She won’t lose her Walmart by working with us next year or even this year.  When next year comes up she can request that the store be released to us or she could just simply book it through the other upline again if she still has contracting with them.


  14. Question:  need IUL for 43 yo male felon in in VA

    firearm conviction which includes malicious wounding .. firing into a residential dwelling.

    convicted of felony...was 4 years and 8 months in jail. not on probation.  was released 2015.. and had no probation.. it was domestic with brother..

     wants an IUL and put between 11 and 12 thousand in there...male 43 years old .. non smoker.. good health....2 small children... ... he owns a tree company.. that knocks down trees..

    and wants to put that 11-12k in every year.. he can show plenty of income on tax returns....

    agent tried with North American and got declined because of felony.. and seems to want about 500k - it could be that does not need so much life insurance and needs retirement pension at age 65..


    We just received this from Transamerica:

    TRANSAMERICA:   follow-up to our d/c………

    tentatively table –B- possibly standard  provided single charge, no history depression, no alcohol abuse  or alcohol criticism, no adverse MVR etc.    Keep in mind that he could be declined as well, but certainly worth submitting an application.

    The following companies have declined due to felony conviction with firearm.

    Nationwide, Minnesota, Banner Life, Principal Financial Group and AIG Life

    Banner Life may offer 2025 after 10 years have passed since released, so not until 2025.

    COLUMBUS, Mutual Omaha AND PROTECTIVE: declined as well

    Good morning Agent.  Unfortunately we are not having any success finding a carrier for this client.  A few have yet to respond, but it’s not looking good.  If we get some interest, we will let you know.



  15. Question: Allianz Life vs Columbus Life vs North America

    My target market is W2 employees in CA and I will use IUL for retirement planning. I may go out to TX as well. 
     I will need access to illustration software and I prefer the app be entirely digital. 
    Give me the pros and cons on Allianz. For instance, are they good with rated cases? Are they good with living benefits? Do they require blood in CA? How do they compare with cash accumulation and cash out for retirement planning?

    Answer:  Allianz has an e-app and is non-med up to 1.5 mil and age 60 provided the clients are healthy. They are not great with rated case and are not known for living benefits although they do have a decent chronic illness rider. However between the ages of 20 and 60 they are among the best, if not the best for cash accumulation and tax free income.  Columbus Life has a very solid product, e-app, non-med up to 1 mil, solid living benefits and will table shave from table c to standard up to 1 mil and age 70. They accumulate very well, but they are all S&P based and come in second to Allianz for accumulation and tax free income.

    Question: For cash accumulation, Columbus life over North American?
    Answer: I think so. I also think Columbus Life has better underwriting.
  16. Question: on www.naaip.org/allianz-life you  wrote about 145 percent participation uncapped.. what does that mean.

    Answer: Allianz offers a few different uncapped strategies with participation rates.  Currently they offer a at least two uncapped strategies with 160% participation rates.  So, if the index returns 10%, with a 160% par rate, the client would earn 16%.  Uncapped means there is no cap placed on the client’s earning potential.  Makes sense?

  17. Question: 1. I would like to start selling Annuities and would like to start by selling myself my Annuity where I would like to start with 50K in an index annuity for highest potential return. I was born in 1979.


    Answer: I am happy to provide some growth annuities for you, but you will get considerably more bang for your buck by dropping the 50K into an IUL or whole life policy.  Would you like to see both or just stick with the annuity?  Please advise. 

    Attached please find Allianz’s IUL using their premium deposit account so you can single pay the policy without creating a MEC (Modified Endowment Contract).  It is essentially an internal side fund that earns interest and pays the premiums into the policy on an annual basis.  We assumed a crediting rate of 6.9% and a blend of the three indicies that have performed the best over the last 20 years.

     For the annuity, we used DE Life’s Retirement Stages 7.  It’s a good product for accumulation and offers a return of premium rider in the event you need your money back during the 7 year contract period.  We used the S&P annual point to point with a 5.80% cap.  There are other options, but lately clients want the S&P.  American Equity offers a good growth annuity, the Choice 10 with no income rider using the S&P with a 54% participation rate.  You are 1 year too young for the Athene Agility.  Integrity offers the Indextra line of products that include a 3 year Goldman Sachs index.  All of these are good choices.


    However, annuities are tax deferred, life insurance policy loans are tax free.  Allianz offers several uncapped strategies with high participation rates.  Your money also buys a nice death benefit should your heirs ever need it and it has chronic illness rider.  If LTC is important, we could look at John Hancock’s new Accumulation IUL that should look similar to this, but with a true LTC rider.


    In my opinion, there is nothing wrong with buying an annuity at your age and rolling it into new products at the end of the contract periods and eventually adding an income rider when the time is right.  However, at age 39, I am confident overfunding life insurance is a better call.  As a side note, the commission on this life design is almost double that of the annuity.


    I hope you find this helpful.  Please let me know if you have any questions or concerns.


  18. There is another round beginning on the last week of June and more stores could potentially show up on that list.  I received an updated list of stores from this week as well, if someone wants stores in any counties just ask me I’ll get the available list sent right away. 

    However there will also be another round of store selection which will be during the last week of June and stores that have been requested by other FMOs but not paid for will end up in that open pool.  I believe all of these stores we requested for other agents are still available. 

  19. You take a picture of a check addressed for $500 and send it in the mail.  We need confirmation by Monday morning at the latest.  You will be able to get half of it returned to you when you become ready to sell for three MA carriers with us.  $250 will also be available to be refunded to you at the end of the program. Please send Josh the list of at least 4 stores that you want to work at - number in order of your want. 

    We have until noon on Monday Jun 17th at Noon for this round of store selection then Round 3 will last until the 27th.

    Has to be paid by check or money order.



  20. I don’t think a business related debt would prevent you from obtaining your state resident license, you haven’t been found guilty of any crime.  I found information about this and each state is different.  Here is South Dakota’s law on this and according to this chart SD doesn’t run a credit check.  They have a list of what would cause a refusal or suspension of someone’s license:


    For your state of SD, I found this https://law.justia.com/codes/south-dakota/2015/title-58/chapter-30/section-58-30-167/


    You can definitely represent companies even with bad credit history but some carriers can also be selective about their review process.  You may end up getting declined by a few companies but there is definitely opportunity to do well even if a few companies decline your background.  You can also appeal a decline and explain everything to the carrier if you receive a decline.

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