T65 Calls & Call Centers

[Sheila Spears]

Shared Health Alliance

Shared Health Alliance is junk insurance. Do you really want to associate with an agency like that?

no deductibles, low co-payments to doctors or specialist, and preventative care. There are no waiting periods, and enrollment is open year round.

Lead Program - $200 - $800/month


Here is the Ritter connection
See Medicare quotes in your area in real time | Or call 800-649-8140

Not sure why they have the Shared Health Alliance on their website. That is not something that they even mentioned to me. I think that might be just a side thing for them.

What they train repa to do is to knoweverything about Medicare which I certainly dontd since I am fairly new to it. They teach you how to sell over the phone and in the field. They have a system in place to help train you and get you on track. Their focus is Medicare Advantage, Medicare Supplements and Final Expense. They also have a call center and have lead package options in place. As I stated before I have not signed up and I'm trying to do my homework and really be careful and not just jump in. The main Lead Package that they talked about with me is the $399 Lead package. I know that if I do at least 2 Seminars per week it costs me around 50 or up to $60 per Seminar so that is more than $400 per month that I spend on Seminars for gift cards, drinks and snacks for them. Not saying for sure that they are who they claim to be but ImI not totally ignoring whay they have to say. It is worth at least checking out since I feel as if I have come up against a brick wall. Thank you for looking into it and for your help and sugestions. I knew of where their connection to Ritter was.

Hope you have a great Sunday evening and a very Merry Christmas!

 

[Sheila Spears]

Getting in front of local T65 is harder than getting in front of FE prospects.

Age 64.5 - age 64.75 (by 3-mos out... most have made decisions) vs. age 55-75.

D-SNP is the least rewarding field. Not fun to work (and not very "sticky").

Not trying to be a downer as Medicare is my field and I love it - just being realistic.

I know it's kind of weird but I love selling D-SNPs. I guess because that is the easiest ones to learn since I am new but also the easiest ones to sell since they are usually lay down sales as long as theytare duL eligible since everything is free.plus since I go to the low income senior facilities, I run into a lot of dual eligibles so that is a big portion of my market And my best prospects from doing the Seminars. The Ma-PD's are still kind of confusing for me especially since I work insuch a huge radius and do the Seminars in such distant areas. Crapt, with Humana, you go to one county and they have one plan then go to another country and they have a different plan and that makes it so confusing and overwhelming for me to learn. But I will figure it all out. Just need to find the best way to get in front of more people and/or maybe even look into Telesales for the Insurance. Any suggestions as to where I can check into? I am certainly open to anything that is a great option.

 

[sshafran]

I know it's kind of weird but I love selling D-SNPs. I guess because that is the easiest ones to learn since I am new but also the easiest ones to sell since they are usually lay down sales as long as theytare duL eligible since everything is free.plus since I go to the low income senior facilities, I run into a lot of dual eligibles so that is a big portion of my market And my best prospects from doing the Seminars. The Ma-PD's are still kind of confusing for me especially since I work insuch a huge radius and do the Seminars in such distant areas. Crapt, with Humana, you go to one county and they have one plan then go to another country and they have a different plan and that makes it so confusing and overwhelming for me to learn. But I will figure it all out. Just need to find the best way to get in front of more people and/or maybe even look into Telesales for the Insurance. Any suggestions as to where I can check into? I am certainly open to anything that is a great option.

A few thoughts...

• The difficulty with "county to county" MAPD (i.e., a unique set of options in one county - and a different set of options in another neighboring county) is solved when you are sitting at home, on your computer, talking to someone on the phone. Medicare dot gov becomes your selling tool. You can quickly identify a plan based on Rx's, then check doctors - and if it's a good fit, send the Summary of benefits, etc., and get the app done (in many cases, electronically).
  
  You aren't stuck with "oops, I have the wrong summary of benefits booklet with me..." (I guess a solution is to have a good electronic device with you if doing F2F).
  
  
• While you may enjoy D-SNP - let me just advise - it's not sticky. It never has been and it never will be. Especially if there is a competing SNP - the next agent to come in will use an SEP and roll your book.
  
  Or, the state will do it (this happened in Ohio - at one point, many SNP's were rolled into a different plan automatically unless they opted out of the auto-enroll). Want to lose your business that way?
  
  Don't sell what you like to sell. Sell what is profitable and stable.
  
  I'm not saying to pass up the SNP sale when it comes up - money is money and some do stick - one of my very first MAPD sales ever was a SNP and it's still on the books since 2011 - I'm saying that your marketing should not focus on finding those specific prospects.

Anyway, that's just a few tips.

 

[Sheila Spears]

A few thoughts...

• The difficulty with "county to county" MAPD (i.e., a unique set of options in one county - and a different set of options in another neighboring county) is solved when you are sitting at home, on your computer, talking to someone on the phone. Medicare dot gov becomes your selling tool. You can quickly identify a plan based on Rx's, then check doctors - and if it's a good fit, send the Summary of benefits, etc., and get the app done (in many cases, electronically).
  
  You aren't stuck with "oops, I have the wrong summary of benefits booklet with me..." (I guess a solution is to have a good electronic device with you if doing F2F).
  
  
• While you may enjoy D-SNP - let me just advise - it's not sticky. It never has been and it never will be. Especially if there is a competing SNP - the next agent to come in will use an SEP and roll your book.
  
  Or, the state will do it (this happened in Ohio - at one point, many SNP's were rolled into a different plan automatically unless they opted out of the auto-enroll). Want to lose your business that way?
  
  Don't sell what you like to sell. Sell what is profitable and stable.
  
  I'm not saying to pass up the SNP sale when it comes up - money is money and some do stick - one of my very first MAPD sales ever was a SNP and it's still on the books since 2011 - I'm saying that your marketing should not focus on finding those specific prospects.

Anyway, that's just a few tips.

Thank you very much for your advice and help. I appreciate it especially being kind of new to Medicare Advantage.

Can you please tell me some options where I can check into doing call center Telesales if that's what you are referring to like the best ones to work for or how I can get started doing Telesales?

Again, thank you. Hope you and your family have a Merry Christmas!

Sheila

 

[somarco]

You may not be happy in a call center. Everything is controlled and you don't own the business. You are salaried with a small bonus if you hit your numbers.

What Scott is talking about is YOU generate leads in a way you can afford and find comfortable. Then YOU make outgoing calls to generate interest, gain their confidence then make the sale by phone.

That's what many of us do.

Sometime we do get inbound calls or emails but those are rare (outside of referrals). It has been so long since I have had a F2F meeting with a prospect I'm not sure I would know how to act.

I don't work the SNP market and have no desire. Mostly because of what Scott mentioned in his post.

The SNP clients isn't sticky. Pretty sure they can change 12x per year if they want.

It's bad enough with MAPD that you can write an app on 10/15 and someone can come in on 12/7 and take that "client" away before you ever get paid. I suppose the bright side to losing an SNP client is that at least you might get a month's commission before it goes away.

Sounds like you are a Social Worker at heart. Nothing wrong with that as long as you don't need to get paid.

 

[fed up]

Perhaps one last thing: doing seminars and expecting lots of return can be self defeating. The old folks go to each and every seminar in their building. They take your gift cards, eat your food, and drink your refreshments. then they sign up on Tuesday to attend the next seminar, to take the gift cads, eat the food, drink the drinks. Unless you are the exclusive rep to the facility you need to make sure you take enough business to pay for your time and expenses.

 

[somarco]

Seminars are a long play. In most cases it can take an agent months or years to refine his/her presentation and learn how to work your leads.

Susan Hatch has a system that has made her very successful but it did not happen overnight.

 

[Newby]

I went to hear what they had to say and so far it sounds good but I haven't signed up with them yet.

A little about me - have been doing Final Expense sales as an Independent Agent for about a year and a half now and doing pretty well at it. I have also recently decided to sell Medicare Advantage plans and plan to add Medicare Supplements in the near future to help build up a renewal income. I started out buying DM leads which I really don't much care for because they're so expensive and for other reasons, but working under David Duford (Final Expense Agent Mentor) I was trained on doing Final Expense Educational Seminars and I do these at lots of different large low income HUD Senior apartments/towers. I enjoy it and have done pretty well with it but though there are a good many facilities not too far, I am also having to work out of town in different areas right now within around 100 mile radius but now I am about to have to expand and go out even further and if I keep doing these Seminars I may end up working as far out as 175 to 200 mile radius or more. That is a lot of traveling, a lotl of work and can get tiring for me at 56 years old, lol.

So when I found out about this opportunity or whatever it may be, it seemed like it may be the answer I am looking for. When I went to an informational meeting thattthe mentioned company had I met an agent that works with them and is having good success working their system and I also really liked the guys doing this. Until finding out about this possible option II have been reconsidering whether I should even stay in the insurance field or go to work somewhere captive which I really don't want to do or even change careers.

Just looking for answers and solutions so I can continue working as an Insurance Agent and grow in my career but I feel like I had run out of solutions in how to continue working as an Independent Life insurance Agent without having to travel 175 to 200+ miles doing Seminars orodepend on buyingbFinal Expense DM leadsand at this point unless this truly could be a good opportunity likes it sounds like it may be, I am not sure what to do. I truly do not care for or want to have to rely on buying DM leads which I had varied success with, sometimes very good and sometimes not good. Any advice that anyone can give would be great. Because I know that I have a lot of potential to be a very good agent and be success but at this point, if the opportunity that I have mentioned is not the right solution, I'm not sure at this point what to do. Thanks in advance for any help or advice anyone gives.

Sheila

New agents fail out often because they bounce around from one thing to the next too much. You are already under a Dave. I’m sure Dave has told you that most agents that make a good living selling FE are running new leads every week. Not doing seminars. Seminars are a rough way to make just a little money. And I’m sure that’s what you are finding out or you wouldn’t be looking for the next great thing.

Save up some money for a months worth of leads. Real leads. Not recycled old, previously worked leads. Have Dave teach you how to run those leads successfully. Do it exactly how the successful agents do it. Don’t re-invent the wheel.

After a month you business bank account should be cash flowing. Your business buys your leads and you will never have to pay for them yourself again. But your personal income (your money left over after business expenses) is low in the beginning. That’s how everyone starts. You are working for yourself and building a business. You start it low and build up. The better you are, the faster you will be making more money than you have ever made in a job working for someone else.

But if you try to cut corners by chasing the wrong direction, you will fail out of the biz. I’m not saying that the T-65 phone people are offering a bad deal. Might be fine. But you are already at a place that can lead you to the right way to be successful. You just are going down a tangent that successful agents aren’t doing. Everyone has worked the high rise seminars. But I don’t know anyone that sticks with them as their long term success plan. Maybe you do?

 

[Sheila Spears]

New agents fail out often because they bounce around from one thing to the next too much. You are already under a Dave. I’m sure Dave has told you that most agents that make a good living selling FE are running new leads every week. Not doing seminars. Seminars are a rough way to make just a little money. And I’m sure that’s what you are finding out or you wouldn’t be looking for the next great thing.

Save up some money for a months worth of leads. Real leads. Not recycled old, previously worked leads. Have Dave teach you how to run those leads successfully. Do it exactly how the successful agents do it. Don’t re-invent the wheel.

After a month you business bank account should be cash flowing. Your business buys your leads and you will never have to pay for them yourself again. But your personal income (your money left over after business expenses) is low in the beginning. That’s how everyone starts. You are working for yourself and building a business. You start it low and build up. The better you are, the faster you will be making more money than you have ever made in a job working for someone else.

But if you try to cut corners by chasing the wrong direction, you will fail out of the biz. I’m not saying that the T-65 phone people are offering a bad deal. Might be fine. But you are already at a place that can lead you to the right way to be successful. You just are going down a tangent that successful agents aren’t doing. Everyone has worked the high rise seminars. But I don’t know anyone that sticks with them as their long term success plan. Maybe you do?

Dave is the one who teaches Seminars on his training site. That is where I learned about doing Seminars. Doing Seminars is one of the avenues of selling Final Expense that he teaches about in how to earn money. I've been doing Seminars since almost the beginning. I have had some good success but am finding out when I go back for the second or third time to do the Seminars at these facilities that I'm not having as much success. Now ImI having to expand out further and further to do the Seminars. Have you ever done Seminars to know for sure how successful they are? I know that there is an agent that learned to do Seminars and has worked with Dave (I guess he learned to do Seminars through Daves mentorship program). He has been doing it for several years and has good success. I have worked leads in the past and have had some very good success and I have bought leads and have lost my butt because of it being unsuccessful. The last leads I bought cost me $930 and I sold zero. Not sure what the answer is but I absolutely can't stand DM leads. Nor saying I wouldn't ever go back to them if that was the best way but they definitely are not my preference.

I think I will get with Dave and get some advice on what would be the best option so I can have the best success.

 

[Newby]

Dave is the one who teaches Seminars on his training site. That is where I learned about doing Seminars. Doing Seminars is one of the avenues of selling Final Expense that he teaches about in how to earn money. I've been doing Seminars since almost the beginning. I have had some good success but am finding out when I go back for the second or third time to do the Seminars at these facilities that I'm not having as much success. Now ImI having to expand out further and further to do the Seminars. Have you ever done Seminars to know for sure how successful they are? I know that there is an agent that learned to do Seminars and has worked with Dave (I guess he learned to do Seminars through Daves mentorship program). He has been doing it for several years and has good success. I have worked leads in the past and have had some very good success and I have bought leads and have lost my butt because of it being unsuccessful. The last leads I bought cost me $930 and I sold zero. Not sure what the answer is but I absolutely can't stand DM leads. Nor saying I wouldn't ever go back to them if that was the best way but they definitely are not my preference.

I think I will get with Dave and get some advice on what would be the best option so I can have the best success.

Your last line was my whole point. Use your Upline. You don’t need to jump ships. You just need to do what your upline’s successful agents are doing. He can teach you. There is a clear path.

Yes I have had success with seminars. But it’s much easier and consistent to do it with individual appointments.