Long Term Care and Disability Insurance

Do you have the tools to be successful this…

Presented by Michelle Daharsh Medicare’s Annual Enrollment Period (AEP) is one of the busiest times of the year for producers that work the senior market and it is right around the corner! Every year from October 15 – December 7, people enrolled in Medicare Advantage (MA) plans have the opportunity to dis-enroll from their current plan and select a new MA plan or return to Original Medicare and purchase a Medicare supplement policy. It’s also the time when MA organizations can discontinue plans which could leave your over age 65 clients looking for health coverage elsewhere. Keep in mind, that even though this is the enrollment time for MA members to enroll/dis-enroll, Medicare supplement members can make changes to their current plan at any time throughout the year, with any carrier. It’s important to stay in touch with your clients as they approach Medicare age as well as current Medicare supplement clients because many situations can occur that will leave them looking for plan solutions. Whether it’s aging into Medicare and finding the best plan for them, or their current plan has faced a rate increase, these situations are a great opportunity to offer that expert help that you bring to the client. Regardless of the situation, do you have the tools to help your senior clients make these necessary healthcare decisions? Financial Brokerage is proud to be representing seven strong Medicare Supplement carriers that hold a national footprint in the Medicare industry and provides an online state of the art quoting portal with e-app capabilities – we have the resources you need in making your client’s Medicare healthcare decisions simple! Visit our website and access these tools to put you on track for your most successful Medicare season yet!
Life Insurance

College Funding with Life Insurance – Part Two

Presented by Brian Leising How do you determine how much life insurance your client needs? Do you use a fact finder?  Does it include college expenses?  Would you even know where to begin calculating future college expenses?  Very often, we do a great job asking clients about fixed expenses such as their mortgage, funeral costs and credit cards, plus ongoing income needs.  What about the future cost of college for their children? Through Financial Brokerage, you have access to paper and electronic analysis tools to help your clients determine the current and future costs of college at public and private universities throughout the country.  Completing this part of a needs analysis should add $200,000 to each life insurance sale you make…per child.