Direct Mail for T65, T66, or T67?

Your biggest problem with this would be me.

By the time you get around to mailing or calling them at 67, I've already come and gone at 65.

I could care less at what age they finally retire. I'm on them before they turn 65 regardless. By the time you get there, I've done all the work and they're with me.

Stick with 65

But how do you work this? Say they turn 65 this month, and they dont plan on retiring until 68. How do you work this for the next 3 years? A lot can happen in 3 years. Most people forget what they ate yesterday, what makes you confident they’ll remember you next month?
 
what makes you confident they’ll remember you next month?
Because I'm the one in charge of the process.

The age they retire is not important to me. Establishing a relationship is.
When they turn 65, I've already gone over the basics, answered all their questions and more importantly, I've done an analysis to see if they're better off staying on their group or dropping it in favor of Medicare.

Using your example, I'd make sure he was in my drip campaign.

Most agents make the mistake of letting the prospect decide when to call back. I don't. I want to be the one in charge.

My process is a combination of selling and teaching. I simply don't have the problems that other agents talk about on here.
 
But how do you work this? Say they turn 65 this month, and they dont plan on retiring until 68. How do you work this for the next 3 years? A lot can happen in 3 years. Most people forget what they ate yesterday, what makes you confident they’ll remember you next month?

I've done a ton of these.

@ t65 they call. Unsure what to do. Help them with A-Only + some education.

Keep in CRM

Template letter 9 months later.

Says something like this:

Hi John,

I spoke with you in May 2024. We talked about how you needed A-Only since you had employer coverage, and we set Part A up with you.


You indicated that you were thinking of retiring in 2 to 3 years. I know it's not 2026 yet but just wanted to check in. See if you need anything or if any plans had changed since we last talked.

Hope you're well. If I don't hear from you I'll assume all is good and maybe I'll check in on another 8-9 months or so. Here's my card again.

Enjoy your weekend!
Scott

Simple. Very profitable.
 
Because I'm the one in charge of the process.

The age they retire is not important to me. Establishing a relationship is.
When they turn 65, I've already gone over the basics, answered all their questions and more importantly, I've done an analysis to see if they're better off staying on their group or dropping it in favor of Medicare.

Using your example, I'd make sure he was in my drip campaign.

Most agents make the mistake of letting the prospect decide when to call back. I don't. I want to be the one in charge.

My process is a combination of selling and teaching. I simply don't have the problems that other agents talk about on here.
Establishing a relationship is.

Caveat, I am NOT an agent.

somarco says buying something is an emotional process.
kgmom --when talking about doing seminars--says your job is to be a rockstar.

These are the kinds of things rmhaire is addressing in his post.

It is absolute and utter hell to be dropped into needing to address Medicare when you have to understand issues with a time deadline and mistakes can cost you money and/or coverage. (And even more so when you have reading problems.)

If you can convey calmness and assurance that there are solutions and process is manageable and maintain contact with the person, it seems to me you have laid a perfect basis, both for the future business with that person and for a referral for someone the prospect suddenly becomes aware of that also needs help with Medicare issues.

That is just opinion, based on reading here and a little bit of my own experience. You have your reputation and finances on the line, you will have to see what works for you.

Establishing a relationship is.
 
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If you only want to work new to Medicares just mail the T65’s and also mail to people at the age they reach full Medicare which is an increasing number.

But I never cared about such things. I marketed to ages 64 to 78.
 
If you only want to work new to Medicares just mail the T65’s and also mail to people at the age they reach full Medicare which is an increasing number.

But I never cared about such things. I marketed to ages 64 to 78.
Full Medicare is 65
 
If you only want to work new to Medicares just mail the T65’s and also mail to people at the age they reach full Medicare which is an increasing number.

But I never cared about such things. I marketed to ages 64 to 78.

You're thinking full retirement age for SS. Medicare is age 65.
 
By the time you get around to mailing or calling them at 67, I've already come and gone at 65.

I could care less at what age they finally retire. I'm on them before they turn 65 regardless. By the time you get there, I've done all the work and they're with me.

Same here.

A number of T65's are working past their birthday and/or waiting until years end to retire.

Last week I had two people contact me and were turning 65 in the next few months but both planned on working until age 67 or later. They wanted advice, and rates, for the future when they hoped to retire.

Of course that is not possible.

Last month a referral asked about T65 rates for the near future. During the conversation he mentioned he was a cancer survivor and covered under his wife's plan since retiring 2 years ago. She is 12 years younger and they pay $0 for their group health plan . . . a PPO with a $3500 deductible and no idea what his OOP was. He did mention having to pay several thousand out of pocket for his cancer treatments.

Once we discussed Part B and Medigap premiums he said he would just stay on his wife's plan since it was "free".

Do you think the cancer might return? Will your health remain good between now and age 77 when your wife retires?

He had not thought of it that way.

I told him to think it over and call me if he changes his mind and wants to enroll in Medicare now.

I figured I would never hear from him but he called me 3 weeks later and said he wanted to enroll in Medicare now rather than waiting.

FWIW I also have folks who contact me several years after our initial contact.

And I do not follow up with any of them . . . however they do get my newsletter every month (unless they opted out) and this keeps me fresh in their mind.
 
You're thinking full retirement age for SS. Medicare is age 65.
Yes but many people don’t take Medicare until they retire. And some wait to retire until the full benefit. It’s a much smaller group than turning 65 I’m sure. But he’s trying to over think who to mail to.

I say mail to all of them.
 
Yes but many people don’t take Medicare until they retire. And some wait to retire until the full benefit. It’s a much smaller group than turning 65 I’m sure. But he’s trying to over think who to mail to.

I say mail to all of them.
You mail a dm shelf card or letters
 

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