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  1. Question: He is in good health 33 years old. 6"3" 285 lbs and smokes 1 cigar a month. Looking for a 20 year $250,000 term. Can you direct me to a company and tell me how to get appointed? Answer: https://www.naaip.org/john-hancock-insurance is your best bet as they are among the least expensive for his height and weight whether or not you choose Vitality and he can smoke as many cigars as he wants and still be considered non-smoker. in our iPipeline tool at the bottom of www.naaip.org and all subpages - There is an underwriting tools in Term and UL Quotes and submissions - iPipeline. www.naaip.org/banner-life looks good but based on client be able to smoke many cigars JH is best. With JH you would register for the eticket and login in the NAAIP back office and submit the sale. There is a decent chance it will be accelerated underwriting as well. https://www.naaip.org/john-hancock-life-expresstrack-2-pages-1.pdf Symetra is a great company. They have a solid built in chronic illness rider and the client can pay additional funds for an even better one. AIG and ANICO have guaranteed ROP options which are nice. ANICO offers great living benefits too.
  2. Hello {$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."
  3. Question: NAAIP - Please tell what to sell. Male, non-smoker, 36 years of age 5’ 8” 210# No meds, no health conditions DWI 4/14 and two DWIs in 2010 What company at what rate class should I use for $300K of 20 year term? Answer: had our underwriter work on it. Here is where we are currently: Prudential: possible Table F Columbus Life: declined Principal: declined Nationwide: declined Protective: declined AIG Life: declined Minnesota Life: declined Mutual Omaha: declined Here is some other feedback: 1. Client must wait 10 years if he admits to currently drinking 2. Client can apply with the carriers on attached when it’s been 5 years AND states that he is not currently drinking 3. Client can apply for a simplified issue product Please let us know if you have any questions.
  4. Aetna(MAPD only) and United Healthcare require e and o but they do not need the proof of policy document. They only need the policy information included and when agents complete the contracting it asks for that info. The various supplement carriers dont require e and o. Humana always required the proof of EFT to contract. United Healthcare does not process EFT until after they contract and certify so they could just put in any routing number with any information and it won’t be an issue. agent can go into the UHC portal and enter their EFT info in their profile section later.
  5. Hello {$name}, Subject Line: I Really Need Your Help - Exciting NAAIP News The bullet points: If you are in the Medicare selling biz the following is why you should switch your upline to NAAIP: Highest CMS allowed compensation on Advantage. It is easy to change upline for Medicare Adv - it mostly involves sending a simple email to the carrier and waiting 90 days. Tell me which carrier you need. If you desire to have a sales booth at Walmart - tell me - You must reserve early. I continue to add interesting links at the footer of www.naaip.org and its sub-pages. New link. NAAIP's footer is a must-see for any agent. PDF Long Term Care Insurance Facts - 5 pages I have become an expert at generating leads - I am here to help you. https://www.naaip.org/lead-services - Weekly workshops/seminars is a great technique. Talk to me. Last months newsletter espousing text messaging was a success. I truly thank agents for cooperating by texting me at 1-561-440-9245. Anna Shapiro, our chief programmer, did a great job in making your website upload at .6 of a second. Super fast. Anna deserves a huge "thank you." Show your appreciation at LinkedIn. Sample IUL illustrations - You see why licensed agents need to sell this product. Age 31 female pays 1,200/year till age 65 and gets $12,738 per year lifetime income at age 65 and 150K of life insurance. The alternative is to sell the 31 year old a 150K universal life policy for $700/year. IUL's are so sell-able. More information here - https://www.naaip.org/iul-information NAAIP will soon be offering health insurer contracts at great commissions. Stay tuned. Talk to me if that is your niche. I need agents to use NAAIP as their Upline/FMO/IMO. We have great technology and really do have the best contracts/service in the industry. I need you to show your appreciation. Please sell via NAAIP. I need your help! casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. www.naaip.org/oxford-life is NAAIP's sweetheart deal. Learn and sell this great FEX & MYGA annuity product. Recruiter level compensation Your site {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video above, send me your GoDaddy (or other registration company) user name and pw. I will do it for you. YouTube explanation to change IP Address to NAAIP's in your DNS YouTube explanation to move Your Website up in Google 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 www.naaip.org eContracting Portal Guaranteed Highest Compensation on Over 100 Carriers Free leads if contracted with: Dozens of Life, FEX, Annuity, LTCi, CI, DI & Medicare Carriers NAAIP Members Nationwide: 9,565 Conference Call: Weekdays Noon & Sundays 2pm ET Dial 1(888)532-9320 To whitelist NAAIP's email. Add david@naaip.org to your contact list by emailing back. Say "Hello."
  6. Yes both carriers require you to have an active writing number before you can obtain materials and submit business. United Healthcare requires agents to certify before a writing number is issued. They are the only carrier to require certification for Medicare Supplements. The #1 product is very unique it is not like any other because they have a community rating with a 3% per year discount if someone is younger than 77. 36% at 65 then 3% less each year going forward, I screenshotted the explanation from their materials below. After they turn age 77 their rates will not increase unless if the company as a whole takes an increase which is different from the competition with attained age rate schedules going up to age 99. They also allow people to move from plan to plan freely effective the 1st of the next month without going through underwriting.
  7. Hello {$name}, Subject Line: Confessions from NAAIP's Digital Marketing Guru - Interesting Information Confessing or "getting it off one's chest" has great importance in the world's great religions as well as in psychoanalysis. I Love Numbered Bullet Points - Here it goes. 1. I love text messaging (also known as sms) from 561-440-9245. During working hours I am texting from my desktop screen and off-hours from my iPhone X Plus. I use www.dialpad.com phones which rings to my iPhone when I don't pick up at my computer. Dialpad is a great business phone for $15 per month. 2. NAAIP websites were lousy when we first started was the real reason why we never contacted agents so much. If NAAIP contacted the agent there would be a likelihood that the agent would "unsubscribe" from us and the agent would never know when our technology became good. 3. NAAIP wants every agent in America to use our technology. Now that our technology is "real good", NAAIP can make demands but still must be a "great deal" for us to achieve our goal. 4. NAAIP websites will always be free-forever. Modest demands and contacts is the modus operandi. Yet, for sites over 1,000 hits (starting Feb. 1st) who do not sell via NAAIP upline or refer agents that sell through us or pay $14.99/per month charge to hide ads that will appear on the site. Discounts/Scholarships available to agents that contact me. As NAAIP technology gets better and better, I will lower the threshold to less than 1,000 before ads appear. 5. There are 9,437 Registered NAAIP users already and I would like that number to double in the next two years. Obviously, NAAIP has to be an incredibly "good deal" for the agent. 6. YouTube is the next frontier. I will be concentrating on putting interesting videos online. I beg and plead that you subscribe to NAAIP's YouTube channel. 7. LinkedIn is a great SEO/Marketing tool but I am not on LinkedIn because I am addicted to sms/texting. I don't like receiving LinkedIn emails. 9. www.naaip.org/oxford-life is NAAIP's sweetheart deal. Please, learn and sell this great FEX, MYGA annuity & SPWL product. Recruiter level compensation - Your site: {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video below, send me your GoDaddy (or other registration company) user name and pw. I will do it for you. YouTube explanation to change IP Address to NAAIP's in your DNS YouTube explanation to move Your Website up in Google Thank you for giving me the opportunity to help you earn more money.
  8. As you probably know, NAAIP is attempting to be the the Go-To place for every insurance agent. Progress is being made. 1. The footer of www.naaip.org and its sub-pages has a library of links. If you spend a weekend clicking, reading, registering and understanding. It will be as if you have received a bachelor's degree in insurance selling. Spend the time and effort, it is your livelihood. 2. I am always adding information to the NAAIP footer. This week, 11 PDFs totaling 429 pages were added that are a must read for all licensed agents/financial salespeople. 3. Insurance Leads - NAAIP has a new, improved way to help agents achieve success. www.naaip.org/lead-services - Lots of new information and links. NAAIP members will receive tutelage as to setting up lead generation. Expert advise. YouTube and other lead companies are great tool for example sales pitches. Your Lead Generator Telepro should generate 1.75 leads per hour - There are American companies that will hire the Filipino and charge you between $10 and $12 per lead. Then you would need a higher quality appointment setter that an American company will charge you $16 per appointment and schedule your day via Google Calendar/Contacts - for you to run appointments. Home Based Telemarketer Marketplace - 20,000 Phone Pros Freelancers - Software included Philippines Call Center - Minimum 4 Workers/full time/$8 per hour - Software included Worlds Largest Outsourcing Portal - Twelve Million registered freelancers Leads - FaceBook Leads are Hot in 2019 - Facebook Leads brings Local Clients 4. To expedite the selling process: casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. 5. I made a thirteen minute YouTube video that explains exactly how to move your website up Google. Please watch, then implement. An additional video will be made this week that will show you how to change the default video on your NAAIP website. Subscribe to our YouTube channel and Click Alert to be Alerted when I make New Videos. 6. NAAIP increased Font Size system-wide on all websites. It looks better. If this change has not been successfully implemented on your website then edits can be made in Content Management in your Back Office. 7. At Invite a Friend Tab - We included a function in which you can see the status of your invited Agent. Credits will be given to active, referred agents. 8. YouTube explanation to change IP Address to NAAIP's in your DNS. Your site: {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video above, send me your GoDaddy (or other registration company) user name and password. I will do it for you.
  9. Question: Client wants 50K to 100K 20 year term or GUL guaranteed to age 88 She will not take anything less than 50k or anything shorter than 20k. California Female DOB 12-3-1950 Has HBP takes 1 medication to control it. Has Rehumatiod arthritus diagnosed 16 years ago and takes Hydroxychloroquine. Fully functional, exercises regularly. Type 2 diabeties diagnosed 12 years ago, perscribed metformin, and has A1C reading of 5.7. Answer: Good morning Agent. Both Prudential and John Hancock will consider offering standard. However, neither company will offer 50K on term. Their minimum death benefit is 100K and the maximum term available is 15 years. As such, we ran John Hancock’s Protection UL both with and without the Vitality Rider. The death benefit is guaranteed for 24 years and carries to age 120 at 4.95%. The Vitality rider could allow her to save a few bucks and earn points towards rewards such as Caribbean Cruise Lines and Hyatt Hotel stays. Attached please find some program highlights. If you sell the Vitality rider, JH will pay you an additional 10% in compensation. However, if she doesn’t feel like dealing with it, the product looks great without the rider as well. Please let us know if you have any questions or concerns.
  10. 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…
  11. 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.
  12. 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…
  13. 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 National Life Group. 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. 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. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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 policies is something that all Life Insurance agents should be familiar with. 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.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.
  23. Hello {$name}, My head is spinning on how good NAAIP's system is. Firstly, let me tell you about NAAIP's massive website improvements. Full Life Application is Functional - Our Term Life quoter is 99.99% accurate. After getting a quote, the visitor has the option to fill out a full-life-app. Similar info that you will find in any life application. Very good programming. When completed, you get email, client gets email and it lands in your "contacted you list." Med-sup quoter gives you the option to edit the name of the insurer to Major Company #1, Major Company #2, etc. Very similar to CSG actuarial. Your Personal Image - I have noticed that 95% of agents are doing it wrong. re-upload your image to be 160*160 minimum. Google "best linkedin profile photo" for expert advice - Your face should be 60% of the frame. Our programmer made our upload system similar to Facebook, but, it is up to you to crop. See how much better image looks! Sample site - Face is 60%. Your NAAIP website should on your domain in the proper format. Do not Forward & Mask. A properly hosted site will be secure and look great on a smartphone. In celebration of our massive website improvements, if you have not properly hosted and need help, send me your username and password of Godaddy and I will take care of it. - GoDaddy domain names are only 99 cents per year. Submitting business at incredibly high compensation levels. The FEX Club - Oxford, MOO, TransAmerica, Assurity, Oxford and others. and Just-in-Time contract. It is easy. The Term Life Club - When contracting and selling, open our commission grid - You will appreciate our high levels. The Contracting Summary page - you will notice that many life carriers are dual contracting. This page shows all the contracting rules. To save time, energy and protect your FICO credit score. It is in your best interest to contract when you have a piece of business. FYI: Any time you appoint with a carrier a credit inquiry is done and 5 points come off your FICO credit score. If you know you will be selling in the next two weeks, request contracting via our Surancebay link. Talk to us and tell us you will be making a sale. If you need an illustration for IUL, Whole Life, Annuities, LTC, etc. Talk to us. It is our pleasure to create these illustrations for you and submit contracting for that pending sale. We have done lots of work improving the footer of our home page's usefullness. At the very bottom of www.naaip.org you see lots of new links. Links that make it easy to sell and submit business. Refer to the bottom of www.naaip.org - Good information on underwiting, submission, etc. Experts in selling, contracting, underwriting are named in your NAAIP back office. Lots of flack from the insurance industry because NAAIP is publicizing its "incredibly high" compensation grid. For this reason, we had to put certain information behind password protection. Our favorite FEX carrier is still Oxford Life - www.naaip.org/oxford-life. Oxford has the lowest non-smoker rates for any client from age 50-85 See our FEX Quoter of 37 insurers at bottom of naaip.org.
  24. Silverscript and UHC does not require void check for contracting. I was also told our TPA like Shenandoah and Liberty Bankers also do not require a void check
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