Making the break from Captive to Independent

[Tkruger]

For the last 5 years and 11 months I've worked as a callcenter rep and did very well. Since it's been a bit and a bunch of searching. I see that most or allot of FMOs are part of Integrity. What are the diffrences?

 

[Anderson]

Training, support and marketing.

 

[Tkruger]

Ok, so I've been in a high volume call center. Training is not needed. Product info updates would be outside of that, I know what I am doing. That said, of the roulette wheels which is my best match?

 

[vic120]

Think about what you want One may want top commissions another may want better lead programs

Tools to scope and enroll,

Support to help with things, I mean I had an issue with a client was moving to a new state, then she had an issue with the aprt complex she was going to move to and had to change address and move date there were issues I didn't have to spend hours on the phone with

One thing I will say is make sure you are paid from carriers, I left an FMO I am vested but paid by FMO, Now I did get paid a renewal from one carrier for MA only and I am stuck now waiting for a reply from email communication is terrible and trust is low

I like my main FMO I get paid by carrier I get top commission above street on Med sup, I get great support, I don't get as much as I could get elsewhere on leads but I do get help with leads, I have great tools CSG Medicare center for scopes and enrolments

Also make sure they have a good release policy

 

[Tkruger]

@vic120 Thanks for this very valuable info.

 

[marindependent]

Training is not needed.

dangerous thing to say. Who amongst us could not use more training?

 

[Katelynd]

When I first started looking into selling Medicare- I was working with benefitmall. I never followed through because I got side tracked halfway thru the AHIP training. I need training and support - any one have experience with benefit mall- is there anyone comparable or better?

 

[Tkruger]

dangerous thing to say. Who amongst us could not use more training?

I guess I am that one off... No need to train to sell. Been doing something like this the better of 9 years. I excluded industry news...and new product information from the statment.

 

[DonP]

Tkruger you worked for a call center that fed you dual/ lis mostly clients like candy . These clients were swayed thinking they were getting more benefits . These are the most unloyal of all clients . With most call centers if the policy goes active on the first of the month and it’s active on the 10 th you get your $75 . If they disenroll at the end of month you get no chargeback . I replace 15-20 call center sold mapd’s a month .persiste Call center persistency is terrible . I don’t believe an independent agent after Lead costs can make a living selling duals on the phone . If you want to do telesales I’d recommend med sups .

 

[Travis Price]

Tkruger you worked for a call center that fed you dual/ lis mostly clients like candy . These clients were swayed thinking they were getting more benefits . These are the most unloyal of all clients . With most call centers if the policy goes active on the first of the month and it’s active on the 10 th you get your $75 . If they disenroll at the end of month you get no chargeback . I replace 15-20 call center sold mapd’s a month .persiste Call center persistency is terrible . I don’t believe an independent agent after Lead costs can make a living selling duals on the phone . If you want to do telesales I’d recommend med sups .

I think anyone's selling mainly Duals puts themselves on shaky ground.

To Op: He's right though. You should sell Medigap and AEP or IEP MA.

Those are much safer bets. I do have a few Duals, and only one canceled on me... but few in like 3.