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  1. 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
  2. Aetna offers a variety of Aetna Medicare Advantage plan types. Which plan type requires a person to use only network providers? (Excluding emergency or urgently needed services) Choose one answer. a. PDP plan b. HMO plan c. PPO plan d. ESRD plan Correct. Correct Marks for this submission: 5/5. Question2 Marks: 5 Which plan type allows members to see preferred doctors in network, doctors out of network and does not require referrals to a specialist? Choose one answer. a. PDP plan b. Cost plan c. PPO plan d. HMO plan Correct. Correct Marks for this submission: 5/5. Question3 Marks: 5 Most Aetna Medicare Advantage plans are integrated with prescription drug coverage, so they are called MAPD plans. Answer: True False Correct. Correct Marks for this submission: 5/5. Question4 Marks: 5 Aetna case management consists of registered nurses, social workers, behavioral health professionals and pharmacists who help members navigate the health care system and access services. Answer: True False Correct. Correct Marks for this submission: 5/5. Question5 Marks: 5 Aetna Medicare Advantage HMO and PPO plans have no out-of-pocket maximum. Answer: True False Correct. Correct Marks for this submission: 5/5. Question6 Marks: 5 Aetna Medicare Advantage HMO and PPO plans cover routine preventive care including an annual wellness visit, screening mammograms, and prostate cancer screenings. Answer: True False Correct. Correct Marks for this submission: 5/5. Question7 Marks: 5 A member’s cost share at a preferred pharmacy will usually be lower than cost share at a standard pharmacy. Answer: True False Correct. Correct Marks for this submission: 5/5. Question8 Marks: 5 All MAPD plans have a prescription drug component. Answer: True False Correct. Correct Marks for this submission: 5/5. Question9 Marks: 5 Which of the following are true? Choose one answer. a. The Aetna Medicare PPO plans provide access to services from doctors in the PPO network at a lower out-of-pocket cost. b. In the Aetna Medicare Open Access HMO plan, members can go to any Aetna Medicare Plan HMO network doctor they choose for covered services without a PCP referral as long as the doctor is a contracted HMO doctor. c. All of the Medicare Advantage plans include free monthly fitness club memberships to any facility participating within the SilverSneakers network. d. All of the above. Correct. Correct Marks for this submission: 5/5. Question10 Marks: 5 You can find a quick list of tools for Aetna Medicare plans on www.aetnamedicare.com/brokers which includes information about plans, medications, and doctors. Answer: True False Correct. Correct Marks for this submission: 5/5. Question11 Marks: 5 What is a Dual eligible Special Needs Plan (D-SNP)? Choose one answer. a. A type of Medicare Advantage Prescription Drug (MAPD) plan designed to provide targeted care and services to individuals with specific needs b. A MA plan that tailors benefits, provider choices and drug formularies to meet specific needs of the groups they serve c. A MA plan for those who are eligible for Medicare and Medicaid. d. A MA plan required to contract with a state Medicaid agency e. All of the above Correct. Correct Marks for this submission: 5/5. Question12 Marks: 5 Low Income Subsidy (LIS) is a Medicare financial assistance program that helps to reduce prescription drug costs. Answer: True False Correct. Correct Marks for this submission: 5/5. Question13 Marks: 5 The difference between LIS and the Medicare Savings Program (MSP) is LIS helps reduce prescription drug costs and MSP helps with Medicare plan premiums, deductibles and copayments/coinsurance with medical services. Answer: True False Correct. Correct Marks for this submission: 5/5. Question14 Marks: 5 Which of the following is true for Low Income Subsidy: Choose one answer. a. Beneficiaries pay no more than $3.60 for a covered generic and $8.95 for each brand name drug b. There is no coverage gap c. There is no Late Enrollment Penalty d. All of the above Correct. Correct Marks for this submission: 5/5. Question15 Marks: 5 A full dual eligible means an individual has Medicare, but is only eligible for assistance with Medicare premiums and sometimes cost share through the Medicare Saving Program. Answer: True False Correct. Correct Marks for this submission: 5/5. Question16 Marks: 5 LIS Medicare drug plan premium and deductible costs are based on income level. Answer: True False Correct. Correct Marks for this submission: 5/5. Question17 Marks: 5 Full benefit duals meet state Medicaid eligibility requirements and are entitled to receive the Medicaid services they need. Answer: True False Correct. Correct Marks for this submission: 5/5. Question18 Marks: 5 One of Aetna’s Model of Care goals is to improve use of preventive health services. Answer: True False Correct. Correct Marks for this submission: 5/5. Question19 Marks: 5 Which are attributes of the Aetna’s Model of Care: Choose one answer. a. An Interdisciplinary Care Team approach b. Clinical Programs to improve health and well-being c. Transition of Care Program d. A and B e. All of the above Correct. Correct Marks for this submission: 5/5. Question20 Marks: 5 The Aetna DSNP care manager and care team provide a single point-of-contact to help coordinate all Medicare and Medicaid covered care and services that the member needs. Answer: True False Correct.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.. Answer: 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.
  9. 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
  10. 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.
  11. 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?
  12. 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.
  13. 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.
  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.
  15. 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.
  16. 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.
  17. 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.
  18. Question: Is having bankruptcy and bad credit a no-go when it comes to getting an insurance license?
  19. https://www.naaip.org/nate - you can easily put on your own domain.
  20. 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
  21. 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.
  22. 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 link to contracting with UHC and others. Please search your emails for "NAAIP eContracting for: UHC". The link to contract 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.
  23. 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 $19.99 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 for $0.99. 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
  24. Hello {$name}, My programmers are having a party. NAAIP has created a website builder for insurance agents that is far superior to anything anywhere. Here's the plan. After 5 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. Anyway, Click Ads/Sales List/Paypal in your NAAIP back office. It will be on the left side buttons or at the very top of the page you will see the click, Ads Enabled. Click Here To Disable And Subscribe. After 5 hits ads will appear on your site. Input your PayPal/credit/debit card, or associated IMO/Upline sale information to remove ads. Sales made with NAAIP IMO/UplineNAAIP upline will credit you for a free month. We will gladly revert the charges. Referred agents are appreciated. A referred agent who subscribes will get you a free month. If you pay NAAIP and make a associated IMO/Upline sale or referral sale later, I will revert the charges or send you cash via PayPal. Example: You are over 5 hits and pay $12 per month for 2 years. Suddenly, You make 24 Medicare, annuity, life, dental, health or anything sales with an associated IMO/Upline. I will send you back the cash you have paid. If you are super unsuccessful in this business, I can be even more generous, send me a sms or email and explain to me why $12 is too much for you. Talk to your IMO/Upline. Let's have the IMO/Upline pay your $12/monthly fee to hide adverts. Your site 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. Watch it. If you still cannot figure out, send me your username and PW from your domain company. I am only allowed to go in your registration back office if you have subscribed. Either by selling, paying or referring. We can discuss on daily video conference call.
  25. 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.
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