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in General Insurance Agent Forum
Posted August 31
First set up your own websites well. Join our daily conference call if you need help. You can use your proficiency in setting things up to recruit other agents. NAAIP will protect you and your downline.
Posted August 22
Let's keep this simple.
1. I need you to know and sell www.naaip.org/oxford-life
Oxford has three products that are superior to anything in the market-place.
a. Final Expense - Super low rates - Point of Sale acceptance - simple application and then Point of Sale (POS) w/ InstaWrite - You will input the name, social security and dob (over phone or online) and get a Accept/Decline in 7 Seconds. Wow! Know this product - Oxford Life is our Flagship Product - Super High Compensation!
b. Annuities - Among best payouts in industry on Fixed annuities (MYGA). Lifetime income, Indexed Annuities are superb. We offer recruiter level compensation to you. We want you to sell Oxford.
c. Single Premium Whole Life (SPWL). Point of Sale (POS) w/ InstaWrite - Accept/Decline in 7 Seconds.
2. I need you to register for www.naaip.org/dental-plans (also offering discount health plans), and then place on your enrollment link on your NAAIP website. When you first signed up, this was the one product that we placed at the bottom of your site. Many of you hid via banners & hyperlinks. Others took our advice and are earning beau-coup bucks since this is virtually the only product I have seen that sells itself. Visitors will buy while you sleep. I created a Youtube video showing you the steps you need to do to make this work. https://youtu.be/ZhVXikKm_Iw
3. I see that you not properly hosting your domain name with NAAIP. It looks like you attempted to do so at the bottom of Profile Settings in your back office. - I see here - and here - As you know we placed advertisements after 50 hits, to hide the ads you can sell either oxford-life or dental-plans, or refer others to do so. The alternative is to input your credit card/paypal for 99 cents first month and 9.99 afterwards.
Go to this page for instructions to properly host Scroll down and you will see step one and two and a 3 minute video. Watch it. If you still cannot figure out just send me your user name and pw from godaddy.
1. We placed your office map at the bottom of every NAAIP site and on your contact page. If you see that it does not look good/showing world map please go into your back office and edit your address / hide the map. Map settings is the 19th button down on the left side.
2. Those that are using our i-frame Stand-alone Med Sup & Term Life Quoters should slightly change the code. Remove the .php - your site will upload faster.
3. We now have a i-frame Stand-alone Auto Insurance Quoter - See the code in NAAIP back office.
4. Within a week we will have a data-capture forms and stand-alone iframe for additional insurances such as homeowners, motorcycle, rental, health, business, etc.
5. We have pretty-much solved the spam issue from your contact form. Lots of brain power went into this issue.
6. Within six weeks we will have a Living Will / Last Will & Testament on every NAAIP site. It is a huge project that will make your site more valuable.
7. We are in the process of being a more traditional IMO/FMO - So I had to hide the commission grid from the online. The compensation grid will now be accessible from your NAAIP back office.
Thank you for giving me the opportunity to help you earn more money.
Posted August 5
Aetna Supplemental does not require e and o. Silverscript agents are required to complete an Aetna MAPD contract now and they do not need to submit E&O through the new Aetna callidus system either.
Posted July 16
Question: Agent is with another upline and she is with Walmart - Can the agent move to our upline and free mailer system (1,000 free mailers for every 5 sales) and still get her Walmart the next year.
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.
Medicare Supplement to individuals, who become newly eligible for Medicare as of January 1, 2020 or after, will not have the option to purchase Medicare Supplement plans which cover the Part B deductible.
Posted July 12
Question: for a 54 male on disability - in PA - He needs a medicare supplement - what is the commission.
Answer: Virtually all carriers pay less or don’t pay at all for under 65 business because claims are higher when someone has disability Medicare. Shen and pays 2.25%, #3 does the same amount and they have the best plan G rates in PA. Let me know if you have any questions.
Posted July 3
Question: If states Spanish needed can "Anglo only" work at the Walmart
Answer: "Spanish needed" is just a recommendation, it isn’t a requirement. Best advice is to go to the store and see if you would be able to communicate with the people.
Posted July 1
Certifications Now Open!
Beginning today, Monday, July 1, you can certify to sell 2020 UnitedHealthcare®products.
in Technical Support for NAAIP Agent Websites
Posted June 30
You would have to edit your MX records to point to your email company. Having your A record IP address has no effect on your email. You are in complete control of your DNS and MX records. You would have to update your MX records to point to your domain email address. Your email company or registration company can do this for you.
I have a cheat sheet on MX records on this page for many email companies. https://www.naaip.org/website/directory
but you can easily google or youtube to see this info... As well, if done well it means you can receive the email. Otherwise you dont receive anything.
Posted June 28
Round 3 has been extended and is now closing JULY 12th!
Click for - Round 3 Final List of 1,526 Available Walmart Stores
Same Round 3 Walmart List that is Hosted on NAAIP's Servers
It is the same list - some agents have had troubles seeing the list - so I hosting in two different places.
Posted June 25
Humana 2020 MAPD & PDP Certification & Recertification are Now Open
Considering selling Humana MAPD and PDP products this year? Great! Now, earlier than ever, you can certify or recertify to sell MAPD and PDP products. As of Tuesday June 25th 12:00 PM EST, your Humana certification and recertification options are open!
Not sure which to take? Check out the Certification and Recertification Launch Page.
Posted June 24
Aetna Med Advantage - Between July 11 - 21, 2019, the online contracting tool will be unavailable due to required system updates. We will also not be able to process any contracting requests received by fax during this time.
Online contracting tool available July 22
Their new contracting system should be available as of July 1st we just got an update from them.
Posted June 23
Lots of agents are always asking me how they can change over to N.A.A.I.P.'s Medicare Selling System.
Why Change to N.A.A.I.P.?
Changing from #1 & #2 Medicare Advantage entails sending an email to the carrier (if you cannot get a written release) and waiting 90 days (#2) and 180 days (#1) before you can sign new contracting (you have a 30 day window to submit that contract when the 90 or 180 days occurs). You must request that new contract link from the upline. Changing from #3 involves filling out a new contracting and special form and waiting 90 days.
Details on this page - scroll down for exact wording of the emails, links, etc.
Most Medicare supplement carriers have a 6 month of no sales/release or in the case of Mutual of Omaha Medicare supplement it is 12 months of no sales/release.
Posted June 22
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.
Posted June 21
You should be able to submit Banner on iPipeline now with your code pending. Your contracting has been submitted. If you are having issues, you can contact iPipeline at 800-641-6557.
You must have a writing code to submit to Lincoln. That is pending
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: 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?
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.
Question: - I am looking for a first to die term policy for my client?
Answer: www.naaip.org/assurity-life offers a 1st to die whole life product, but not term.
https://www.naaip.org/protective-life offers a second to die term product, but they do not offer a first to die rider.
I am not aware of any carriers that offer a 1st to die/joint term product.
Posted June 18
To start, log into NameCheap back office - make nameserver default if you are hosting elsewhere. Delete forwarding if that is an issue.
that would be step #2 then you would have to do do step # which is would be to edit NAAIP's back office - profile settings -.
It should look like this in Namecheap.
Posted June 14
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.
Posted June 13
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.
Posted June 11
Question: On a term policy, if someone dips is he considered a tobacco user for rating him or not?
Answer: John Hancock, Prudential, and Lincoln Financial Group will consider STD NS
JH is my favorite carrier - they only go up to 20 year term - not 30 year. but through us it is good compensation.