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NAAIP Admin

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  1. All carriers pay the same for MA & PDP to the agent level producer, Med Supp can be different and #2 pays more. The details about how #1 pays Med Supp commission can be very confusing, Contact us if you need specifics. The #2 Med Supp commission in FL is 20% years 1-6 and 3% 7-10, then 2% 11+ and you are automatically advanced 9 months of it upfront.
  2. level 4 is the highest available level for direct producing #3 Carrier agents. There is only LOA and Level 4, we also provide incentives and co-op dollars to help you along the way since marketing dollars is the only way agents can be compensated more according to CMS rules(incentive details attached). There is another way to earn more as well, a value based enrollment(details attached) can earn you a service fee. If another FMO decides to pay a lesser amount than what Fair Market Value is then they would be contracting their agents as LOA and paying them a lesser amount-we would never do this. CMS dictates Fair Market Value, #3 Carrier continues to pay based off the current FMV unlike most carriers they will increase your commission annually as the FMV is raised. CMS recently announced FMV is being increased next year by about 6%, here is a nice chart explaining how much MA & PDP agent level commissions have increased the past few years: Agent FMV History: Year National CT, PA, DC CA, NJ PR PDP 2015 408/204 461/230 510/255 280/140 56/28 2016 429/215 483/242 536/268 294/147 63/32 2017 443/222 498/249 553/277 304/152 71/36 2018 455/228 511/256 567/284 312/156 72/36 2019 482/241 542/271 601/301 331/166 74/37 2020 510/255 574/287 636/318 350/175 78/39 We have not seen a carrier decide to pay less than current FMV for new business but most companies only pay renewals at the rate established for the year the business was written. By the way, #3 Carrier is switching to a new contracting platform after the 17th we will have more information they will re open their contracting as well as their certification so that agents can certify for 2020.
  3. 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: https://www.naaip.org/state-requirements-background-checks-insurance-industry-1.pdf 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.
  4. Question: Is having bankruptcy and bad credit a no-go when it comes to getting an insurance license?
  5. https://www.naaip.org/nate - you can easily put on your own domain.
  6. If bad credit and want to work in Walmart. 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.
  7. Key Dates to Remember: Round 1 - Store lists released to FMOs 05/01/19 Round 1 — Store Selection for Round 1 Closes 05/16/19 Round 2 — Store Selection for Round 2 Begins 05/22/19 Memorial Day Holiday 05/27/19 Round 2 — Store Selection for Round 2 Closes 06/17/19 Round 3 — Store Selection for Round 3 Begins 06/24/19 Round 3 — Store Selection for Round 3 Closes 06/28/19 July 4°" Holiday 07/04/19 Agents RTS with 2 or more carriers 09/10/19 First Day in Store 10/07/19 AEP ends 12/07/19 Last Day in Store 12/13/19 https://www.naaip.org/walmart-program-agent-detail-2020-1.pdf https://www.naaip.org/walmart-medicare-selling-1.pdf
  8. If we have a confirmation that a store has been obtained for you which will come at the end of this week then we will need a check for $500. You can be refunded $250 soon after you become ready to sell with 3 MA carriers through us. At the end of the program the other $250 will be refunded to you after you participate in the program as agreed which is to clock in for minimum of 20 hours per week at Walmart.
  9. Dear Agent, I am excited about the helping agents earn a good livelihood by setting up a table at a Walmart and selling Medicare plans during AEP. The first step would be to be contracted with UHC, Humana and SilverScript. When that is done successfully I would have you contract with Aetna/Coventry. Three Medicare Advantage contracts will get the price of the table down to $250. More details on Walmart retail is listed on the forum link below. https://www.naaip.org/community/topic/69-naaip-newsletter-4-18-2019-walmart-retail-medicare-program/ I personally am being swamped getting agents set up at Walmart. I need your cooperation. We still need more agents and there is time. But we need to move fast. It should be noted that NAAIP's special offer on Medicare gifts agents 1,000 free mailers for every 5 Medicare sales. We really want you! My assistant Joshua is the point of contact to set up your Walmart Store and the Medicare mailer program. I have sent you a AgentXcelerator link to contracting with UHC and others. Please search your emails for "NAAIP/AgentXcelerator eContracting for: UHC". The link to contract via AgentXcelerator will be on that email. Over 2,500 Walmart stores are available. Click here for the list. Same Walmart List that is Hosted on NAAIP's Servers I hold a six day per week conference call. All next week, including tomorrow at Sunday at 2pm ET I will be talking up getting agents set up at Walmart.
  10. Humana’s 2020 cert comes out June 25th, UHC’s is July 1st and Aetna is typically the first to come out with the new 2020 certification. If you wait then you will be able to sell for the rest of the year and next year with one certification and you won’t have to recertify until after the same time the following year. Aetna is transitioning to a new contracting system and they will cancel all contracts for agents who haven’t certified so we will get you that info about what you need to do when it happens.
  11. You may have read Friday's email blast which is archived on our forum. https://www.naaip.org/community/topic/72-naaip-newsletter-5-10-2019-advertisements/ The changes will be that monthly charge to hide ads will be lowered to $9.99 per month. You still get a free month for selling/referring to NAAIP. Every sale or referral sale/payment credits you a month. As well, at the daily conference call (6 days per week) I will give out the Promo Code to make the first month either $0.99 or $4.99. I need agents to help us in this project. Top quality programming, design and hosting costs money. Recently, I discovered that GoDaddy charges $18 per year for domain registration after the first year's 99 cent promo code. I highly recommend that you transfer your domain to CloudFlare which will do similar at the wholesale price of $8.03 per year. If you own multiple domains or intend on keeping your domain for a long time then it is definitely worth the few minutes it takes to transfer. The ads that appear on your site may not be visible to you because you are viewing an old version of the site. Clear the "cache." In Chrome: Control+Shift+Delete. Sell one of 100 carriers at the Highest Commissions in the Industry! Don't Pay - Sell at the Highest Compensation! Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money
  12. Hello {$name}, My programmers are having a party. NAAIP has created a website builder for insurance agents that is far superior to anything anywhere. Quite a few agents contract and sell through us and enjoy guaranteed highest commissions. The 125 FEX Club, The 123 Term Life Club, The IUL Club. Sadly, not enough sales are coming in to pay our bills. Here's the plan. After 1,000 hits (I have decided to lower this to 25 hits), advertisements will appear on your website. I really don't want your money. The fact is that each additional user does not cost NAAIP extra expenses. It is a computer program, doggonit. Anyways, Click Ads/Sales List/Paypal in your NAAIP back office. It will be on the left side buttons, towards the bottom, right above "Invite a Friend." After 25 hits ads will appear on your site. Input your paypal/credit/debit card, or sale information to remove ads. Sales made with NAAIP upline will credit you for a free month. We will gladly revert the charges. Referred agents are appreciated. Every sale or payment by a referred agent will get you a free month. If you pay NAAIP and make a sale or referral sale later, I will revert the charges or send you cash via PayPal. Example: You are over 1,000 hits (I have decided to lower this to 25 hits) and pay $9.99 per month for 3 years. Suddenly, You make 36 Medicare, annuity, life, dental, health or anything sales. I will send you back the cash you have paid. I don't want to lose even one agent - I will be super generous - At our daily conference call I will tell you the Promo Code that will have the payment be $0.99 per month for the first month, instead of the normal $9.99. If you are super unsuccessful in this business, I can be even more generous, send me an sms or email and explain to me why $9.99 is too much for you. Sell one of 100 carriers at the Highest Commissions in the Industry! Don't Pay - Sell at the Highest Compensation! Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money https://www.naaip.org/buy-domain 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. I am only only allowed to go in your registration (i.e. GoDaddy) back office if you have hidden the adverts on your NAAIP site that appear after 25 hits. Either by selling, paying or referring. We can discuss on daily conference call.
  13. Humana - It’s already that time of year to start preparing for AEP 2020 and Humana is here to help. We are excited to announce that we will be launching certification and recertification courses earlier than ever before this year! Both courses will launch at noon Eastern Time on June 25, 2019.
  14. for agent that contracted thru Other Upline with #1 but did not certify? He can fill out a new contract through us. He needs to write a letter that he wants to us to be his NMA instead of Other and sign it then send it to us. We can process the contract and submit the letter at the same time. He needs to wait until we confirm that the change has been made before certifying. If he certifies then the contract will stay with other for a while unless he gets released or makes that request and waits. fo follow up question: When you say write a letter and sign it. Can it be done by email with typed signature? Answer: I believe an e-mail can be accepted. We usually ask agents to apply a wet signature to a letter.
  15. Good morning Agent that has no MA plans in your county, Since there are no MA carriers participating in the Walmart program available in your county you would be eligible for the $250 discount if you have three PDP carriers who also offer MA through us such as Aetna, Humana & UnitedHealthcare. We will have the confirmed list of 2020 AEP Direct Health participating carriers soon and there will be more details available at that point in time too. You can sell Medicare Supplements while in the store. Please call me at your earliest convenience as there are details I would like to discuss with you concerning the Med Supps available in your area.
  16. They confirmed the date for round 2 store selection is still beginning on May 22nd but the payment deadline is in June and not September like before.
  17. Hello {$name}, Subject Line: Join the Walmart Retail Program with NAAIP The Walmart Retail Program is returning for AEP 2020. The program allows NAAIP agents to reserve a Walmart store during AEP. Agents have the opportunity to interact with Walmart shoppers, answer their questions, and enroll them in Medicare plans. Stores Must Be Reserved Agent reservation is exclusive; no other agents will be allowed a presence in that Walmart. The sooner you apply for a store the better your chances of reserving it. For AEP 2020 there are more than 2,500 unclaimed stores. Must be contracted through NAAIP with at least two Medicare Advantage carriers who offer plans in the store area. Must complete Medicare certifications for AHIP and your Medicare Advantage carriers by September 10, 2019. Agent must be in store three days per week for a total of 20 hours per week between October 7 and December 13. This can be divided between multiple agents. $250 application fee per store. Agents can can be credited to cover this cost. You Must Apply and Submit their Store Selection with NAAIP by May 17, 2019 Available Stores Click to find stores in your area. May 1 to 16 - Round 1 of Store Selection For returning agents only. Renewals for agents who had stores the previous year. May 17 - NAAIP Deadline for Store Selection Agents must submit their store selection to NAAIP by May 17. May 22 to June 17 - Round 2 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. June 24 to 28 - Round 3 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. September 1 - Payment Deadline Deadline for agents to submit $250/store application fee. September 10 - Certification Deadline Agent must have completed Medicare certifications for AHIP and at least two carriers who offer Medicare Advantage policies in the area. October 7 to December 13 - Agent Present in the Store Agent must be in store three days per week for a total of 20 hours per week. This can be divided between multiple agents. Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money. posted April 23 Walmart Round 2 SNEAK PEEK has been released so you can begin marketing. Attached are last year’s participating carriers and key details, keep in mind these are from last year, things CAN change but probably not by much. See below email as well. · For agents interested, please get at least 3 desired requests for better chances of getting a store. I will request all in hopes to get at least one, we could get all and give back what they don’t want. · First come first serve, so send me your agents requests as you receive them. · For those that make requests prior to Round 2 being released, they will need to send the deposit as soon as we have confirmation of the store, approximately 5/24/19. Copy of the check prior to mailing is required as proof of mailing. · Agents making requests DURING Round 2 will also need to send deposits as soon as the store is confirmed. Stores are generally confirmed day after the request is made. Copy of the check prior to mailing is required as proof of mailing. · FULL $500 will be due if they do not have 3 Active MA carriers with us. If they reach 3 carriers with us by program start, 10/7/19, they will be eligible for the $250 discount. · If check has not been received and no proof before Round 2 closes, store will be dropped.
  18. Walmart Round 2 SNEAK PEEK has been released so you can begin marketing. Attached are last year’s participating carriers and key details, keep in mind these are from last year, things CAN change but probably not by much. See below email as well. · For agents interested, please get at least 3 desired requests for better chances of getting a store. I will request all in hopes to get at least one, we could get all and give back what they don’t want. · First come first serve, so send me your agents requests as you receive them. · For those that make requests prior to Round 2 being released, they will need to send the deposit as soon as we have confirmation of the store, approximately 5/24/19. Copy of the check prior to mailing is required as proof of mailing. · Agents making requests DURING Round 2 will also need to send deposits as soon as the store is confirmed. Stores are generally confirmed day after the request is made. Copy of the check prior to mailing is required as proof of mailing. · FULL $500 will be due if they do not have 3 Active MA carriers with us. If they reach 3 carriers with us by program start, 10/7/19, they will be eligible for the $250 discount. · If check has not been received and no proof before Round 2 closes, store will be dropped.
  19. Our commission schedules for their General Agent or top available Agent level are attached for your review. On top of receiving the highest available commission you also are able to tap into our incentive programs and industry leading technological solutions like our telephonic MAPD / PDP enrollment tool. You can receive a free 1,000 piece mailer for writing business as you usually would as well. A release would allow you to immediately move to us but if you cannot obtain a release then #3 and #2 can be transferred in 90 days and #1 would require a six month wait but it would transfer after AEP is over - if done today.. #5W can be moved in two weeks and the other carriers require a 6 month non-production period to be transferred without a release.
  20. Many referrers become aware of an agent’s capabilities when an agent spoke at a seminar or a conference. This is what I would recommend that you do. You can reach out to businesses that have seniors on payroll, Financial Advisors are a good resource, P & C agencies, faith-based organizations, organizations that you belong to like a gym. Do you belong to, or does someone you know belong to a service organization? Do they need someone to come talk about Medicare? Meet with the director, or manager of these businesses and organizations. Bring them donuts. Get to know them and be persistent. Build a relationship. Let the directors know that you are there to help their members. You can study more about hosting educational events, let me know if there is any additional information that you may need because the sales will come. Other Marketing Opportunities 1. Call Meals on Wheels, the director may agree to send a flyer with the meals. 2. Do T65 mailers, this will keep a steady stream of clients coming into your business. 3. Put a magnet on your car, or window clings. These are available on United Healthcare’s portal, or you can order from www.vistaprint.com. 4. Retail Venues. We work with Direct Health, CVS, and Medicare carriers to bring retail opportunities to agents during AEP. 5. Community Events, Health Fairs – most carriers have compliant signage, flyers, ads, post cards, etc. google senior expo, tradeshow and events to find the ones you want to work. 6. Senior centers, Senior housing, Senior Mobile home parks – give a seminar, do a benefits check-up (see attached documents on benefits check.org) 7. Realtors, seniors moving into the area. 8. Contact Financial advisors, P & C agencies, Group Benefit providers, most of these agencies like to refer Medicare Business. Be persistent, bring donuts, offer to do educational seminars for their clients. 9. Qualification Criteria for Extra Help: https://www.ncoa.org/wp-content/uploads/part-d-lis-eligibility-and-benefits-chart.pdf Humana Webinar Generating Medicare Referrals: https://youtu.be/nAJ8Vi1sbxY Marketing Special Election Codes: https://attendee.gotowebinar.com/recording/5424810434094211329
  21. Question: He is in good health 33 years old. 6"3" 285 lbs and smokes 1 cigar a month. Looking for a 20 year $250,000 term. Can you direct me to a company and tell me how to get appointed? Answer: https://www.naaip.org/john-hancock-insurance is your best bet as they are among the least expensive for his height and weight whether or not you choose Vitality and he can smoke as many cigars as he wants and still be considered non-smoker. in our iPipeline tool at the bottom of www.naaip.org and all subpages - There is an underwriting tools in Term and UL Quotes and submissions - iPipeline. www.naaip.org/banner-life looks good but based on client be able to smoke many cigars JH is best. With JH you would register for the eticket and login in the NAAIP back office and submit the sale. There is a decent chance it will be accelerated underwriting as well. https://www.naaip.org/john-hancock-life-expresstrack-2-pages-1.pdf Symetra is a great company. They have a solid built in chronic illness rider and the client can pay additional funds for an even better one. AIG and ANICO have guaranteed ROP options which are nice. ANICO offers great living benefits too.
  22. Hello {$name}, Subject Line: Join the Walmart Retail Program with NAAIP The Walmart Retail Program is returning for AEP 2020. The program allows NAAIP agents to reserve a Walmart store during AEP. Agents have the opportunity to interact with Walmart shoppers, answer their questions, and enroll them in Medicare plans. Stores Must Be Reserved Agent reservation is exclusive; no other agents will be allowed a presence in that Walmart. The sooner you apply for a store the better your chances of reserving it. For AEP 2020 there are more than 2,500 unclaimed stores. Must be contracted through NAAIP with at least two Medicare Advantage carriers who offer plans in the store area. Must complete Medicare certifications for AHIP and your Medicare Advantage carriers by September 10, 2019. Agent must be in store three days per week for a total of 20 hours per week between October 7 and December 13. This can be divided between multiple agents. $250 application fee per store (if with 3 med adv carriers - 2 carriers will be $500). Agents will be credited to cover this cost at the end of the program if adhere the program guidelines. You Must Apply and Submit their Store Selection with NAAIP by May 17, 2019 Available Stores Click to find stores in your area. May 1 to 16 - Round 1 of Store Selection For returning agents only. Renewals for agents who had stores the previous year. May 17 - NAAIP Deadline for Store Selection Agents must submit their store selection to NAAIP by May 17. May 22 to June 17 - Round 2 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. June 24 to 28 - Round 3 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. Payment Deadline Round 2 payment deadline is June 17th. September 10 - Certification Deadline Agent must have completed Medicare certifications for AHIP and at least two carriers who offer Medicare Advantage policies in the area. October 7 to December 13 - Agent Present in the Store Agent must be in store three days per week for a total of 20 hours per week. This can be divided between multiple agents. Only via NAAIP - Every 5 Medicare sales gets you 1,000 free mailers! Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money.
  23. 1. The Favicon is now able to be changed. As default the favicon is your profile image. If you have the naaip logo there.. that is what is will be. If you upload your personal image, then that will be your Favocon. As well, you can upload something else.
  24. https://www.enomcentral.com - For step 1. here is the instructions in their help section. keep in mind to put my companies IP address of 23.111.70.25 Host Records are displayed in the following format: Host Name Record Type Address www A (Address) 23.111.70.25 @ A (Address) 23.111.70.25 * A (Address) 23.111.70.25 There are three standard Host Names that you should configure for your main website: www: Points www.example.com to the Address specified. @ (none): Points the domain with no www. (e.g., if you typed example.com instead of www.example.com). This is also known as the "naked" domain or "blank" record. * (all others): Points [anything].example.com to the address specified (e.g., uuu.domain.com or website.domain.com).
  25. Hello {$name}, The Following is the Latest News: I have spent over 1,000 hours on YouTube watching other recruiters/trainers spout off their special knowledge about insurance sales. I, personally, have 20 years in this industry. Right from the start at the very top earnings level. Face to Face & Over-the-Phone for multiple product lines. I have spoken to thousands of agents over the past few years as NAAIP has become a powerful force. Offering free technology and highest commissions. My conference call is 6 days per week. A lot of talking and listening. I respectfully request that you: Ask me a question, give me a topic that you want a detailed video explanation. Subscribe to my YouTube Channel - then click "The Bell" to be alerted to new videos. Like & Comment on individual videos. I get alerted to every comment on my NAAIP Channel. Ask the question in the comment section of my YouTube video. A few weeks ago, I bought a better microphone. You will notice that the audio sounds better on the recent videos. Very soon, I will buying video equipment - My fans will be able to see that I am reasonably handsome. lol. Every so often, I will be "Live-Streaming" our daily conference call. Those that Subscribe and be Alerted will be notified by email whenever live-streaming occurs. A few recent YouTube videos. How to Move Your NAAIP Site up Google Two Most Important Factors in Phone Selling/Appointment Setting Using a Free Will to Help You Sell Insurance Selling Final Expense over the Phone - Amazing Phone Script Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money. Sincerely, David Gordon tel:(800)770-0492 direct & sms: (561)440-9245 (I Love Text Messages) www.naaip.org eContracting Portal eContracting SuranceBay Link Compensation Grid All (except annuities) - a few carriers are listed exclusively in our password protected back office. Compensation Grid Annuities Contracting Summary iPipeline iGo Term & UL Quotes/Submission (drop ticket is easiest) iPipeline Home - submit Life, Ci, Di, Acc, LTC & Annuities iPipeline Forms Search iPipeline Product Information iPipeline Underwriting Search Guaranteed Highest Compensation on Over 100 Carriers Home of The 125 FEX Club,The 123 Term Life Club & The IUL Club Free leads if contracted with: Dozens of Life, FEX, Annuity, LTCi, CI, DI & Medicare Carriers NAAIP Members Nationwide: 9,739 Conference Call: Weekdays Noon & Sundays 2pm ET Dial 1(888)532-9320 casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. www.naaip.org/oxford-life is NAAIP's greatest deal. Lowest non-smoker FEX rates - POS. Register for AgentXcelerator - This gives you access to a 100% accurate Medicare supplement, Medicare Advantage & Part D Quote quote engine. To whitelist NAAIP's email. Add david@naaip.org to your contact list by emailing back. Say "Hello."
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