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I actually sold 2x more medsupps than MA. I do have 1 MA company I sell for, in the towns where they have their PPO not the PFFS, to mostly people under 65 that cannot afford united american. The 10 or so times I did place a PFFS I explicitly told the person the downsides and tried to steer them into a medsupp instead.
People here to large degree believe the only time they can change their supplement is during AEP. I know that's wrong, its just what they believe.
And I have no idea what the fail rate average is for someone that tries internet leads. I would guess it is quite high, for a large number of factors. I didn't fail yet doing it. I've been making a good profit on medicare and health leads.
I will freely admit on the medicare leads when I started I did not know my products. I told people as much when they asked me questions too, I didn't lie to anyone or mislead them, I just told them I didn't know the answer but I'd go find it out for them. Some people it took me 2 appointments and 3 or 4 phone calls, the only reason I got the patience was that I was the only local agent that called off the leads, and I was competing with 2 out of state call centers. I told everyone I called that I was local and I'd come in person, and they were willing to put up with me not knowing what I was doing.
Honesty goes a long way.
You shouldn't just assume someone is doing things the wrong way because of when they started Dwayne, or that they're new. One of my first medsupp sales was to my own grandparents rewriting their medsupp, I researched which companies had the best rates in the state and rewrote their plan, then I had 2 tough UW cases and did tons of research into the UW difference between companies, ended up appointed to a ton because of it so that I had loopholes for everyone. I figured out I did a couple peoples life ins the wrong way, called them up and rewrote the plans even though they were happy with what I did, I figured out I could get them more coverage for less money.
Frankly I think the reason a lot of people fail is because they don't take care of their customers, they just try to close, and they don't really care if what they're doing is the right thing. Selling insurance just to make a commission and not caring about the people other than to sell is what gives a lot of agents a bad name.
I will also say this, for all the bad that gets said about netquote, they will freely tell you who else buys the leads in a certain zip. I started with just 3 zips and medicare only. Anyone that wanted to dip their toe into leads, you might want to ask the vendor who buys certain areas first and start smaller while you also do other methods of generating your own.
