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NAAIP Admin

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  1. FYI, a term policy on a woman in her last trimester of pregnancy. Protective Life wanted her to take an exam and she didn’t feel like subjecting herself to that, so we switched to John Hancock. JH issued her STD Plus, no meds, no exam…
  2. Question: I have a client who stopped smoking a year ago, she is 70 years old (just turned a few months ago) who is looking for 500K coverage in California. I want to show her Guaranteed Universal Life products. I have run quotes with AIG's GUL3 and Mutual of Omaha's GUL product. She has excellent height and weight, stopped smoking a year ago, and no other issues that I am aware of. I have an appt with her on Monday of next week, can you ask your underwriter to find another GUL product (not an IUL or another UL) to find the best rates. I believe AIG gave the best rates so far but I wanted to see if you have any other carriers that may have better rates. She may be able to spend $1000-$1300/month, but I will be competing with another agent, so I want to get it as cheap as possible. And her mother is still living until 97, so I want a product that will be guaranteed to age 100 or 105 at the minimum. Answer: AIG will not offer preferred on a client that only quit smoking a year ago. She would have had to quit at least three years ago to qualify for preferred. Attached please find the AIG field underwriting guide. However, AIG will offer standard non-tobacco. Those rates are attached and are $14,640.30 to age 105. A slightly better option could be Symetra. They will go standard plus non-tobacco after 12 months. That field underwriting guide is also attached. The Symetra STD Plus rates to 105, also attached, are $14,046.46. Finally, I ran MOO as well. STD: $17,416, STD Plus: $16,800, and PFD: $14,217. However, MOO won’t offer preferred on this client, see attached underwriting guidelines, so they are out. AIG: good carrier, we write a lot of business with them. They also have a couple of ROP options. I am sure you are aware of this as you ran the illustration. However, they have been a little tougher on seniors as of late and have also been on the slower side of town. That being said, nothing wrong with AIG. Symetra: also a good carrier, we write a lot of business with them also. They have a good built in chronic illness rider and the client can pay additional premiums for a fantastic rider. In addition, they are good with seniors. I will send the complete illustrations for both carriers in a separate e-mail. Please let us know if you have any questions or concerns. Attached please find the complete illustrations for both Symetra at STD Plus and AIG at STD. The pricing is similar, however AIG is a tad more expensive. As you can see, if she spends $14,046.45 with both carriers, Symetra goes to age 105 and AIG lapses as age 99. In order to get to 105 with AIG, she would need to spend $14,640.30 annually. AIG: offers ROP at 90 and 95 Symetra: has a good built in chronic illness rider vs AIG’s terminal illness rider.
  3. A term policy on a friend that’s in her last trimester of pregnancy. Protective Life wanted her to take an exam and she didn’t feel like subjecting herself to that, so we switched to John Hancock. They issued her STD Plus, no meds, no exam…
  4. Lots of thought and effort go into this monthly newsletter. I appreciate that many agents have expressed their gratitude for my company's good work. Latest News since last month: 1. IUL - Indexed Universal Life - www.naaip.org/iul-information Very comprehensive page that explains the IUL. Lists our favorite carriers. You notice that I love Allianz Life. This week I will write a telemarketing phone script for IUL that will compliment the phone scripts below. www.naaip.org/how-to-sell-annuities www.naaip.org/sell-final-expense-by-phone www.naaip.org/med-sup-phone-sales After spending a month researching the IUL, I have come to the conclusion that an agent that is not thoroughly comfortable explaining and selling an IUL has wasted his/her time becoming an insurance agent. The main bullet point is that an IUL is that it is the only financial vehicle in the USA that allows: Virtually unlimited deposits that grow tax-deferred and eventually become tax-free. 2. www.naaip.org/oxford-life sales are going strong. Point of Sale Issue of the policy is Huge. Lowest rates on FEX for non-smokers ages 50-85. 120% from Oxford and 5% from NAAIP. The 120 FEX Club will become the 125 Club. Talk to me. Change is sometimes good. Compensation got raised for SPWL and their fixed annuities are industry leaders. 3. Medicare Leads. NAAIP offers highest CMS allowed compensation on Medicare Advantage. Every 5 sales will get you 1,000 free mailers. Agents that desire to have a Medicare selling booth in Walmart next year, Please tell me. Reserve now! If you are selling Medicare via another up-line that does not give you free mailers. Switch to NAAIP. It is easy. As well, NAAIP makes selling Medicare Advantage over-the-phone a snap. Ask me. 4. Name Server Technique to Host Domains Will End on January 1, 2019. a. Agents that have used NAAIP's Name Servers of n3.naaip.org and ns4.naaip.org must change Name Server to default and host via the IP address technique. b. Agents with the Name Server Technique with a business domain name email need to input their MX records in DNS. c. www.whatsmydns.com shows your current NS (Name Server). As well, your MX records which allows your email to function. d. Your domain registration company (i.e GoDaddy) can do this for you or you can email me your GoDaddy user name and password. e. Fixes will be implemented during the daily conference call (now 6 days per week). f. You must attend and ask moderator to check his email. g. Your site/email will be up and running well by the end of the conference call. h. Most NAAIP sites that were hosted by NAAIP from January 1, 2016 to August 1, 2018 used Name Servers Technique. i. The elimination of the Name Server Technique is needed to increase site upload speed. YouTube explanation to change IP Address to NAAIP's in your DNS.
  5. This video explains how to put your NAAIP website on your own domain name. It walks you thru steps for godaddy, but it is same steps for other companies.
  6. Hello Agent, There are a variety of options for non-citizens and citizens living abroad. However, the clients must come to the U.S. to get examined and sign the application. Pan Am and National Western offer term and permanent insurance to foreign nationals. The other carriers that play in the space only offer permanent products. I hope you find this information helpful. If you have a case in mind that you would like to discuss, I would be happy to chat with you about it.
  7. The subject of the email that you read: "NAAIP vs Compulife - NAAIP Wins! - You are Entitled to a Cash Settlement" is factually correct. https://www.naaip.org/community/topic/13-compulife-lawsuit-join-a-class-action-lawsuit-or-sue-individually/- To read Federal Judge James M. Hopkins 53 page decision and read NAAIP's explanation/timeline of what happened from April, 2015. You were contacted by Robert Barney of Compulife with a "tale" of software piracy that was designed to financially hurt you. As well, 2,100 insurance agents were listed on a website operated by Robert Barney as participating in "software piracy." These claims by Mr. Barney were false and known by Mr. Barney as being false. In fact, the federal trial that occurred in October 2017 was "all about" copy-write infringement and not about piracy. It would have gentlemanly of Mr. Barney to inform you of that "sort of" important distinction. Regardless, Judge James M. Hopkins wrote a 53 page decision that cleared NAAIP of any copy-write infringement issues. NAAIP encourages the affected parties to be made whole for their financial losses caused by Mr. Robert Barney's malicious pursuit of profit.
  8. The Centers for Medicare & Medicaid Services (CMS) has released 2019 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. 2019 Medicare Part A and B Premiums/Deductibles Deductible and Coinsurance Amounts for Calendar Years 2018 and 2019 by Type of Cost Sharing* Description 2018 2019 Part A Inpatient hospital deductible $1,340 $1,364 Daily coinsurance for 61st-90th Day $ 335 $ 341 Daily coinsurance for lifetime reserve days $ 670 $ 682 Skilled Nursing Facility coinsurance $167.50 $170.50 Medicare Part B annual deductible $183 $185 Medicare Part B standard monthly premium $134 $135.50 High-Deductible Plan F $2,240 $2,300 Plan K out-of-pocket limit $5,240 $5,560 Plan L out-of-pocket limit $2,620 $2,780 Starting January 1, 2020, Medicare Supplement insurance plans sold to those newly enrolling in Medicare will not be allowed to cover the Part B deductible. Because of this, Plans C and F/HDF will no longer be available to people new to Medicare as of January 1, 2020. Seniors who already have either of these two plans (or the high deductible version of Plan F) before January 1, 2020 will be able to keep their plan, as long as premiums are current. They will NOT need to make any changes to their plans. If Seniors were eligible for Medicare before January 1, 2020, but not yet enrolled, they may be able to buy one of these plans. More information about changes in Medicare in 2020 are coming soon.
  9. With Pan Am an offshore corp to run the business through is set up and the paramed is done in the USA. However, Pan Am will write in almost any country and offers term, UL and soon IUL. The clients need to come to FL, TX, or AZ to sign the application. Underwriting will look at meds in advance, but they want the exams done in country. National Western is rolling out a similar program. MetLife and TransAmerica fly back to usa.. Transamerica will allow power of attorney.. to deliver policy.. Global American is for high net worth individuals.
  10. I am incredibly proud of the great system that NAAIP programmers and designers have created. My business plan from a few years ago was straight forward. Free client-facing insurance agent websites that are superior in quality to anything available anywhere. Quoters that will facilitate collecting visitor name, email and phone. Teach agents to move their website up Google. Absolute highest recruiting contracts will be offered to NAAIP by the insurers because of the multitude of agents in our system. Offer agents insurance contracts with substantially higher commissions than other IMOs, FMOs and recruiters. Mission Accomplished. NAAIP is a success story. There are two big negatives. Even though NAAIP has higher payouts, many agents are still submitting business at lower commission thru other recruiting entities. NAAIP computer programmers want more money, especially considering that they have built a world-class system and the cost of living keeps on going up. The Solution: $19.99/month when your website reaches 1,000 hits for the contact forms to work. Your website will still be free-forever but the contact forms are "sort of" important. One sale via NAAIP upline waives one month of website fees. One sale via NAAIP upline by a referred agent waives one month as well. Agents will list their sale details in their NAAIP back office. In essence, self-reporting their sales in order that their contact forms will continue to work after 1,000 hits. Programming work must be implemented for agents to self-report their sales and be credited for referred agent sales. This takes time. Extraordinary circumstances. Certain carriers we be considered multiple sales (such as www.naaip.org/oxford-life). Big sales will get more credit, etc. One month I will feel generous and announce that if you join my YouTube channel and make a favorable comment it will give you a month. We can have lots of fun with this. Talk to me. This payment/"contact form continuing to work" system will commence at the earliest on February 1st, 2019. In the meantime, any sale that you make till then can be credited when payments/sales are needed.
  11. SilverScript allows dual contracting. Request a contract from david@naaip.org and we will send you an invitation that can filled out invited by NAAIP's agent of record.
  12. United American allows Agents to write Medicare Supplement insurance policies up to six months (180 days) in advance of the Medicare Part B effective date for first-time Medicare Supplement applicants age 64½ or older (except in NY and WI – see below). This six month advance window applies only to those applying for a Medicare Supplement during their Open Enrollment. The purpose of the six month advance window for prospects turning 65 is to help you be “first in the door” to offer value and service to applicants aging in to Medicare, and to establish what will hopefully be a long term relationship as their insurance agent. There are three exceptions to the advance rule for Open Enrollment: In NY and WI, 3 months (90 days) in advance is the maximum time frame. Current UA Medicare Supplement under age- 65 disability policyholders may apply for an overage Medicare Supplement policy up to 60 days in advance of their 65th birthday. In states with disability Open Enrollment, 60 days in advance is the maximum time frame for under age-65 disability applicants applying during their Open Enrollment period. For all other underwriting situations outside of Open Enrollment, the maximum allowable time frame to write a Medicare Supplement insurance policy is 90 days in advance of the effective date. When submitting Medicare Supplement insurance applications, be sure to abide by the correct advance time-period for that applicant’s situation. Applications submitted with incorrect application dates risk being declined.
  13. I have a confession and a regret. NAAIP registered users stands at 9,044, but we still have not become industry standard. I am kicking myself trying to figure out that necessary next step that will take NAAIP viral. Sometimes I kick so much that my shin hurts. NAAIP Latest News: I made a YouTube video that explains in 3 minutes how to properly put your NAAIP site on your domain name with IP address. Click to view: I will be making additional YouTube videos that explain websites and the insurance industry. Subscribe to our YouTube Channel. Youtube videos should have been done years ago. Ooops. Universal Life vs Final Expense Whole Life. Sagicor, American National and North American offer Universal Life policies that start at $25,000 and are guaranteed to pay a death benefit. Quotes & Underwriting are available at iPipeline. Illustrations are available at WinFlex or at our brokerage department. Rates are approximately 50% of comparable Whole Life Final Expense policies. Universal Life policies is something that all Life Insurance agents should be familiar with. Sagicor is my #1 choice - policy issued in 2 minutes for ages 65 and less. Age 66 and older medical records are retrieved by Sagicor. Sagicor also offers 2 minute term life up to 1 million dollars! American National is my #2 choice - - policy issued in 3-4 days for ages 65 and less. Age 66 and up medical records are retrieved by American National. ANICO also offers fast underwriting term for 250k and less, and fast underwriting in many cases above that amount. North American is my #3 choice. Paramed needed for all cases age 51 and up. Critical, chronic and terminal illness benefits is included on all products. Accelerated death benefits if diagnosed. North American also offers term life for ages 18-50 - up to 1 million in coverage that is issued in 3-4 days. Additional info about these carriers is available by clicking the hyperlink. I would like all NAAIP agents to be contracted and ready to sell Sagicor Life! It is so important that any marketing entity should come accross as Uber-Professional. You will notice that Login at NAAIP is now easier. Login to your NAAIP back office with Google, MSN, Facebook, LinkedIn. Soon Yahoo. NAAIP's Sunday Conference Call at 2pm ET is a welcome addition to our Weekdays Noon ET schedule. Looking forwarding to hearing from you. At the footer of NAAIP home page I added a MIB Dispute Information Link.- I am always looking for relevant information to help you sell.
  14. Join us in Jupiter, FL on September 28 for an encore training session exclusively for United American agents! Meet the UA Director team and get the knowledge, techniques, and resources you need to be able to see your sales soar this season! What we'll cover: • Conducting a more effective and powerful Medicare review with your clients • The 5 Essential Steps to the Sales Process • Sales concepts to increase your production • Common underwriting situations you'll encounter during the AEP • How to integrate our Ancillary products into your Med Sup business • Best practices for marketing and prospecting to find high quality prospects To register, Contact NAAIP Agent Services Friday, September 28 9am - 12pm Wyndham Grand Jupiter at Harbourside 122 Soundings Ave Jupiter, FL 33477 You are welcome to bring other Agents as your guests!
  15. Question: DOB= 4/26/1969, male needs 20 or 30 year term for 200k Height and weight very good, no meds, is a Capt in Vol Fire Dept besides regular job in aerospace tool and die company. Answer: Banner Life: offers a drop ticket system via IGO. You fill out a section and the carrier does the rest. However, it’s fully underwritten. Principal Life: drop ticket is available as well as e-app via IGO. Based on the fact your client appears to be healthy, Principal may waive the exam. Foresters Life: this Foresters product is fully underwritten. Protective Life: offers drop ticket or e-app. The Custom Choice UL has better conversion options and it’s built on a UL chassis. In the event he doesn’t convert by the end of the term, the premiums remain the same, but the death benefit decreases. Protective just came out with Accelerated underwriting. But I am noticing that most apps are being denied accelerated and going full underwriting. John Hancock Life: prior to having a producer code, you can use an e-app on IGo. Once you have a code, you can use their drop ticket system available on the Edison website. JH offers accelerated underwriting, so based on the fact your client is healthy, they may waive the exam. Includes Vitality… Prudential Life: offers a drop ticket via IGO. They are fully underwritten. Assurity Life – offers an e-app via IGO and should waive the exam based on the fact your client appears to be healthy. Please let us know if you have any questions or concerns.
  16. Keep these points in mind when selling Medicare Supplements during the Medicare Advantage Annual Enrollment Period (Oct. 15 through Dec. 7, 2018) and the new Medicare Advantage Open Enrollment Period (Jan. 1 through Mar. 31, 2019). During the enrollment periods listed above, Medicare beneficiaries with Medicare Advantage (“MA” 1) may drop their MA coverage, return to Original Medicare and be in the market for a Medicare Supplement (voluntary disenrollments). Other Medicare beneficiaries may have received notice that their MA plan will be terminated or non-renewed for 2019 (involuntary terminations). They may choose another MA plan or return to Original Medicare and be in the market for a Medicare Supplement. Remind all applicants to retain any disenrollment or termination notices received from their MA plan and keep in a safe place. To help ensure applications are taken correctly and policies are issued in a timely manner, please read this email in its entirety. Medicare Supplement insurance is available only to Medicare beneficiaries enrolled in Original Medicare Parts A and B. To be eligible for a Medicare Supplement, those with current Medicare Advantage coverage must be disenrolled from their MA and returned to Original Medicare prior to the effective date of their Medicare Supplement. State law prohibits a Medicare Supplement policy from becoming effective prior to the end date of the MA plan. Applicants replacing their MA coverage must fully complete and sign the application and replacement form(s), giving particular attention to the sections concerning MA disenrollment or termination/non-renewal. Applicants must confirm on the application that they intend to replace current MA coverage with the Medicare Supplement in order for the application to be accepted. A Medicare Supplement policyholder who still has MA coverage in place on the policy effective date is subject to rescission. Voluntary Disenrollments MA enrollees cannot disenroll from their plan prior to the first day of the disenrollment period. Applicants are responsible for disenrolling themselves from their MA plan and returning to Original Medicare during the enrollment periods listed above either by: calling 800.MEDICARE, or contacting their MA plan carrier, or for MA-PD (RX) plans, by enrolling in a stand-alone Part D Plan. Note that an applicant cannot disenroll from most MA stand-alone plans (MA plans that do not include Part D coverage) by enrolling in Part D. The pre-existing waiting period is waived for applicants age 65 and over disenrolling from a MA plan. Applicants voluntarily disenrolling from a MA plan that has been in force less than 12 months are eligible to apply for a Guaranteed Issue policy if the applicant first enrolled in MA at age 65. Health questions must not be answered. Applicants voluntarily disenrolling from a MA plan that has been in force longer than 12 months are not eligible for a Guaranteed Issue policy in a non-Guaranteed Issue state (GI rules vary by state). Involuntary Terminations A copy of the applicant’s MA plan disenrollment notice is required for applicants being involuntarily terminated or non-renewed by their MA plan. Applicants involuntarily losing their MA Plan due to plan termination or non-renewal are eligible to apply for a Guaranteed Issue policy and must not answer health questions. Outside of the annual enrollment periods listed above, a copy of the applicant’s MA plan disenrollment or termination notice is required by the supplement carrier.
  17. You can receive $50 off the $175 cost of AHIP by following this link or by completing the AHIP through any of our carrier portals: https://www.ahipmedicaretraining.com/clients/yourmedicare If you decide to take AHIP instead of going through United Healthcare’s core modules that cover the AHIP material then be sure to click AHIP FIRST when you log in. If you enter their Medicare Basic certification first you will be prevented from transmitting your AHIP.
  18. Effective January 1, 2019, the Medicare Advantage Disenrollment Period (MADP) that currently takes place annually from January 1st through February 14th is being replaced with a Medicare Advantage Open Enrollment Period (OEP) that will take place from January 1st through March 31st annually. The new Medicare Advantage OEP allows individuals enrolled in a Medicare Advantage (MA) plan, including newly MA-eligible individuals, to make a one-time election to go to another MA plan or Original Medicare. Individuals using the MA OEP to make a change may make a coordinating change to add or drop Part D coverage. Please note: This change does not affect the Medicare Annual Election Period, which will continue to take place annually from October 15th to December 7th.
  19. NAAIP wants the majority of insurance agents in America to use our technology and brokerage services. A tall order. No organization has ever come close to achieving this goal. Not Metlife, not Prudential. The insurance carrier is dependant on you to solicit and sell the product. You are depending on Marketing Companies and Carriers to provide tools to help. The fact is: Only NAAIP is giving agents tools that truly helps you succeed. NAAIP has made some great tools, and is constantly searching for tools, information and a better way. Listed below are items that will help you prosper. NAAIP conference call is adding Sundays at 2pm ET to its schedule. As usual, conference calls are weekdays at Noon ET. We are here to assist agents 7 days per week. Contact us. Home based call centers do succeed. NAAIP is fully committed to training agents. https://www.naaip.org/sell-final-expense-by-phone - https://www.naaip.org/med-sup-phone-sales - https://www.naaip.org/how-to-sell-annuities https://listshackpro.com will sell you up 50,000 names/data for $50. https://tmaxdialer.com - There are many dialers out there. This one has great agent support and offers a free trial (no credit card needed). Medicare agents should be aware that for every 5 sales you make - NAAIP will give you 1,000 free mailers. Always receive CMS highest allowed compensation. UHC, Humana, Aetna and SilverScripts, etc is a huge industry. All agents must be super-familiar with iPipeline (always located at footer of NAAIP home page). Some agents have had difficulty setting up an account with us. The issue would be that you have an existing iPipeline account and the "other user name" is automatically propagating in the user name field. Note the user name that is associated with NAAIP's Brokerage. As well, you may have to clear "cache." I am diligently working to put valuable information at the footer of www.naaip.org - Last week I posted Life Insurance - Common Medical Questions and Life Underwriting Informal Inquiry Form. Unless you are expert at insurer underwriting, get a detailed list of your prospect's medical/underwriting issues and the policy that your client wants. Get honest answers about marijuana, etc. Email that information to me and/or our underwriter who is listed in NAAIP's back office. Wait for the answer. It is simple. Your job is to upsell clients to IUL, ROP, financial planning, etc. NAAIP's job is present to you the product to sell your client. All agents should be super-aware that there are humongous differentials in commission levels among the various insurance marketing organizations. See our compensation grid at the footer of NAAIP.org and every email that I will send you. Have you noticed that no other IMO in the universe publishes its comp levels online? I have been spending my days and nights uploading information on NAAIP insurer pages to make it easy for agents to sell. https://www.naaip.org/one-america is an example of my favorite asset-based (Hybrid) LTCi - using Whole Life or Annuities to cover LTC. Big money is flowing into this type of financial planning tool. OneAmerica makes it easy by utilizing eTickets, iPipeline and easy to access online proposals. Of course, NAAIP's brokerage department has LTCi experts that will send you illustrations for the dozen carriers that we work with. Call us. New feature on the term life quoter: On results page the insurer name is clickable. I can now put pdf brochure links on that page that pops up. I am in the process of putting three pdfs for each carrier. Our quoter is also displaying quote results for carriers that we do no brokering. Therefore, I am requesting from agents to email me relevant pdfs that you want to see on that results page. Annuities are Huge! Stan the Annuity Man has an online annuity quoter that NAAIP cannot currently provide online.Our brokerage department can provide you similar information via email. NAAIP's brokerage provides contracting services to all the carriers listed in Stan's quoter. Learn from Stan, but sell via NAAIP! My favorite FEX, SPWL and MYGA Annuity carrier is still Oxford Life - www.naaip.org/oxford-life. Oxford has the lowest FEX non-smoker rates for any client from age 50-85 See our FEX Quoter of 37 insurers at footer of NAAIP's home page.
  20. Website issues get discussed on daily conference call - 6 days per week. All are welcome to join. Conference Call: Weekdays Noon & Sundays 2pm ET Dial (888)532-9320 - No Pin needed
  21. For the last two years I have been telling agents to do proper hosting - Do not Forward & Mask. According to a NAAIP audit, your website - {$link_url} - is being Forward & Masked. Proper hosting is free forever to insurance agents - There is no cost to you. The Proper Hosting technique will: 1. Have your site look good on all smartphones. 2. Be good for SEO because it will create new pages. 3. Put a 'Secure' Green Bar on the address bar. 4. Come to daily conference call at 12 Noon for extra steps you must do to make your site #1 in Google. The steps to proper host is listed in your NAAIP back office but I will list the steps here. To be be thoroughly blunt, it is highly embarrassing me when one of our insurance agent websites is "ugly." Forward & Masking is ugly. Instructions for putting website on your domain name with proper hosting: 1. Insert your domain name at "My Website URL" the bottom of Profile Settings page 2. In DNS Settings in your domain registration account (e.g.Godaddy). Edit A Records to - host is @ and 23.111.70.25 is the pointed IP address (wait 11 minutes till a few hours and the site will be secure and up). Click here for a YouTube video explanation or just like everything else in life you can do a search on YouTube: "How To Change GoDaddy IP Address DNS A Record" At the daily conference call, we can walk you through the steps and have everything up and running. Click Here for the 99 cent GoDaddy coupon code and great advice on choosing a good domain name. Agents that use a business email associated with their domain name will have to input the MX records in DNS. Your email company can do this for you. https://www.whatsmydns.net to see your A record IP address.
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