Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

By Sarah J. Rueppel | Ritter Insurance Marketing | Insurance Agent Tips, Tools & TrainingBusinessMarketingCareers
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Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow episodes

  • Short-Term Care Insurance – An LTCi Alternative for Clients

     

    Think Long-Term Care insurance is your client’s only option? Explore Short-Term Care Insurance and its benefits.

     

    Read the text version.

     

    Mentioned in this episode:

     

    Are You Offering Multiple LTC Insurance Options?


    Buyers Ages for LTC Insurance Reported


    Identifying Ideal Clients for LTCi


    Longtermcare.gov: Who Needs Care?


    The Key to Accessing High-Cost Care

     

    More episodes you’ll like:

     

    2021 Medicare Part A & B Premiums and Deductibles


    CMS just announced the 2021 Medicare Part A and B premiums and deductibles. Find out what the cost of Medicare will be for your clients in the coming year.


    4 Out-of-the-Box Long-Term Care Insurance Solutions


    Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick.


    How to Build Rapport Selling Insurance Online and Over the Phone


    Learn how to better connect with your sales prospects - even if those interactions are now happening virtually. We have 6 tips you can add to your insurance sales process today!


    LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker


    What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents.


    November 13, 2020 | The Friday Five


    The Friday Five for November 13, 2020: CMS Announces Medicare Part A and B Premiums and Deductibles; CMS release Medicaid and CHIP Final Rule (CMS-2408-F); Fed holding interest rates steady; things you shouldn’t say to your clients or prospects; and the 10 happiest songs ever.

     

    Articles to Share with Your Clients:

     

    Here’s What Medicare Costs in 2021


    CMS has announced the 2021 Medicare costs. Check them out so you know what to expect this AEP!


    Is Medicare the Only Health Insurance I Need?


    In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.


    What Are the Different Types of Nursing Homes and Care Facilities?


    You’ve probably heard of nursing homes, but did you know that there are other kinds of residential care facilities? Today, we’re exploring the different types of nursing homes and senior care facilities!

     

    The latest from Ritter’s Blog:

     

    2021 Medicare Part A and Part B Premiums and Deductibles


    CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year.


    Navigating Insurance Sales During the Medicare AEP & COVID


    You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis?


    How to Get Started in Medicare Sales


    Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do.

     

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    Connect on social:

     

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    7 min
  • 4 Out-of-the-Box Long-Term Care Insurance Solutions

     

    Traditional isn't the only way to go when it comes to Long-Term Care insurance for your clients. We've got four non-traditional LTC solutions that just might do the trick. 

     

    Read the text version

     

    Mentioned in this episode:

     

    Cost of Care Survey


    Fixed Annuities vs. Indexed Annuities: What’s the Difference?


    Identifying Ideal Clients for Universal Life Products


    Know the difference: Chronic illness vs. LTCi riders


    Lack of Funds for LTC is Americans’ Greatest Fear About Aging


    LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker


    Short-Term Care Insurance: A Top LTCi Alternative for Clients


    Tax Code 101(g)


    Tax Code 7702B


    The Increasing Value of Combining Life & LTC

     

    More episodes you’ll like:

     

    4 Ways to Fund Long-Term Care: Hybrid Insurance


    Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage.


    An Alternative Approach to Long-Term Care Planning


    Think traditional Long-Term Care insurance is the only way to cover your client's future LTC expenses? Show your clients a different way with linked-benefit Life/LTC policies.


    Identifying Ideal Long-Term Care Insurance Clients


    Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on!


    The Real Cost of Long-Term Care


    Do your clients know all the costs associated with retirement? Learn more about the true cost of Long-Term Care so you can pass that knowledge – and peace of mind! – on to your clients.


    Are You Offering Multiple LTCi Options?


    Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales.

     

    Articles to Share with Your Clients:

     

    6 Health Services Not Covered By Medicare


    At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options?


    Does Medicare Cover Long-Term Care?


    Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for.


    Is Medicare the Only Health Insurance I Need?


    In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.

     

    The latest from Ritter’s Blog:

     

    The Benefits of Joining a Top Insurance FMO


    If you’re wondering what exactly an FMO is and why you should join one, you’ve come to the right place! We have the answers you’ve been looking for to help you determine if you should join an FMO and how you can benefit from doing so!


    How to Check Medicare Extra Help Eligibility for Your Client


    Is your client eligible for the Medicare Extra Help program? You could play a huge role in getting them financial assistance with prescription drug coverage and medications. What are the income limits for Part D Extra Help, and are there Medicare Extra Help look-up tools?


    How to Build Rapport Selling Insurance Online Or Over the Phone


    Don’t let social distancing get in the way of your insurance sales! If you’re trying to foster trust with prospects, we’ve got six tips for building rapport over the phone or online, fast.

     

    Subscribe & Follow:

     

    Apple Podcasts


    Google Podcasts


    Overcast


    Podbean


    Spotify


    Stitcher

     

    Connect on social:

     

    Facebook


    Twitter


    YouTube


    LinkedIn

     

    15 min
  • LTC Planning: Sales Strategies & Market Trends featuring Bob Vandy and Mike Baker

     

    What does the long-term care insurance market look like for agents in 2020 and beyond? We sat down with AIB's Bob Vandy and Ritter's Mike Baker to learn more. Find out the difference between long-term care planning and LTCi sales in addition to market trends and practical strategies for insurance agents.

     

    Download the White Paper!

     

    Mentioned in this episode:

     

    AIB's Blog


    A Senior (Life) Moment


    Life Happens Official Website


    Long-Term Care/Life Insurance Pre-Qualification Worksheet


    Look Through the [LTCi] Windshield, NOT Through the Rear-View Mirror


    Register for the AIB/Ritter LTC Monthly Webinar – The Art of Saving the LTCi Sale


    Ritter's Agent Survival Guide Blog


    Short-Term Care Insurance: A Top LTCi Alternative for Clients

     

    More episodes you’ll like:

     

    4 Ways to Fund Long-Term Care: Hybrid Insurance


    Discover the many ways hybrid long-term care insurance can be funded. These best practices can help you show your clients that they can afford to purchase linked-benefit LTCi coverage.


    Identifying Ideal Long-Term Care Insurance Clients


    Get to know the characteristics of Long-Term Care insurance buyers. Use these tips to comb through your book of business and find potential sales you might be missing out on!


    Are You Offering Multiple LTCi Options?


    Ready to offer more Long-Term Care insurance products in your portfolio? Learn the benefits and distinctions of each LTCi option – and how these products can boost your sales.

     

    Articles to Share with Your Clients:

     

    6 Health Services Not Covered By Medicare


    At some point in your life, you may need some form of long-term care, or non-medical personal care. Does Medicare cover long-term care, and if not, what are your options?


    Does Medicare Cover Long-Term Care?


    Original Medicare covers many things, but not everything. These are the services that Medicare usually doesn’t offer coverage for.


    Is Medicare the Only Health Insurance I Need?


    In many situations, your Medicare plan has you covered at the best of times and the worst of times. But, it may be worth looking into these extra insurance plans.

     

    The latest from Ritter’s Blog:

     

    2021 Medicare Part A and Part B Premiums and Deductibles


    CMS recently released their numbers for 2021 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s see how these changes might affect your clients in the coming year.


    Navigating Insurance Sales During the Medicare AEP & COVID


    You need commissions, but you don’t want to catch, or spread, COVID. Can you compliantly check temperatures or ask health questions in person? Will more carriers allow remote Medicare sales? How can you have a profitable Annual Enrollment Period during the current health crisis?


    How to Get Started in Medicare Sales


    Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do.

     

    Subscribe & Follow:

     

    Apple Podcasts


    Google Podcasts


    Overcast


    Podbean


    Spotify


    Stitcher

     

    Connect on social:

     

    Facebook


    Twitter


    YouTube


    LinkedIn

     

    1 hr 1 min
  • The Agent Survival Guide Podcast Turns 3! Celebrate With Us!!!

     

    Three years, more than three hundred episodes published, dozens of rabbit holes explored, and countless cups of coffee consumed. Thanks for sticking with us! Listen for details on our 3rd Birthday Giveaway! 🥳

     

    Claim My Sticker!

     

    More episodes you’ll like:

     

    November 13, 2020 | The Friday Five | Apple | Google | Spotify


    The Friday Five for November 13, 2020: CMS Announces Medicare Part A and B Premiums and Deductibles, CMS Release Medicaid and CHIP Final Rule (CMS-2408-F), Fed holding interest rates steady, Things you shouldn’t say to your clients or prospects, and The 10 Happiest Songs Ever.


    How to Build Rapport Selling Insurance Online and Over the Phone | Apple | Google | Spotify


    Learn how to better connect with your sales prospects - even if those interactions are now happening virtually. We have 6 tips you can add to your insurance sales process today!


    2021 Medicare Part A & B Premiums and Deductibles | Apple | Google | Spotify


    CMS just announced the 2021 Medicare Part A and B premiums and deductibles. Find out what the cost of Medicare will be for your clients in the coming year.


    Halfway Through AEP: Reflect and Renew Your Medicare Sales | Apple | Google | Spotify


    We've hit the halfway point of AEP! Now is a great time to think about what you're doing well! It's also beneficial to consider what could be improved on to really maximize your sales potential. Listen to learn how to reflect, renew, and re-energize your sales for the remainder of the Annual Enrollment Period.


    Carriers and Plans Participating in CMS Model to Save Consumers on Insulin Costs | Apple | Google | Spotify


    Get the scoop on the Part D Senior Savings Model! This new initiative brings major insulin savings to your Medicare clients. They could pay just $35 for a one-month supply of insulin. Learn all the details in this can't miss episode of our Agent Survival Guide Podcast.

     

    Articles to Share with Your Clients:

     

    Getting Creative with Thanksgiving Classics


    Thanksgiving time is almost here, and it’s going to be tempting to overeat. Here’s how you can cook up some classics that’ll keep your calorie count down!


    Puzzling Your Way to Better Health


    There are a number of a health benefits to puzzles, making them one of the better hobbies to take on. From bettering your mental health to cognitive ability, there aren’t many ways puzzles don't help your brain.


    Ways Seniors Can Save on Groceries


    Looking for ways seniors can save on their groceries each month? With a little planning, skill, and flexibility, you can make a sizable dent in your grocery bill!

     

    The latest from Ritter’s Blog:

     

    The Benefits of Joining a Top Insurance FMO


    If you’re wondering what exactly an FMO is and why you should join one, you’ve come to the right place! We have the answers you’ve been looking for to help you determine if you should join an FMO and how you can benefit from doing so!


    How to Check Medicare Extra Help Eligibility for Your Client


    Is your client eligible for the Medicare Extra Help program? You could play a huge role in getting them financial assistance with prescription drug coverage and medications. What are the income limits for Part D Extra Help, and are there Medicare Extra Help look-up tools?


    How to Build Rapport Selling Insurance Online Or Over the Phone


    Don’t let social distancing get in the way of your insurance sales! If you’re trying to foster trust with prospects, we’ve got six tips for building rapport over the phone or online, fast.

     

    Subscribe & Follow:

     

    Available now on Vurbl

     

    Apple Podcasts


    Google Podcasts


    Overcast


    Podbean


    Spotify


    Stitcher

     

    Connect on social:

     

    Facebook


    Twitter


    YouTube


    LinkedIn

     

    2 min
  • November 13, 2020 | The Friday Five
    The Friday Five for November 13, 2020:
    - CMS Announces Medicare Part A and B Premiums and Deductibles
    - CMS Release Medicaid and CHIP Final Rule (CMS-2408-F)
    - Fed holding interest rates steady
    - Things you shouldn’t say to your clients or prospects
    - The 10 Happiest Songs Ever
    9 min
  • November 13, 2020 | The Friday Five

     

    The Friday Five for November 13, 2020:
    • CMS Announces Medicare Part A and B Premiums and Deductibles
  • CMS Release Medicaid and CHIP Final Rule (CMS-2408-F)
  • Fed holding interest rates steady
  • Things you shouldn’t say to your clients or prospects
  • The 10 Happiest Songs Ever
  •  

    Mentioned in this episode:

     

    15 Things Never to Say to Clients or Prospects


    2021 Medicare Part A & B Premiums and Deductibles | Apple | Google | Spotify


    CMS Fact Sheet: 2021 Medicare Part A & B Premiums and Deductibles


    Dr. Jacob Jolij uplifting playlist on Spotify


    Fed holds rates at zero amid ‘considerable risks,’ as economy ‘continued to recover’


    Happiness Makes Your Brain Work Better


    Here’s What Medicare Costs in 2021


    iPhone 12 Pro Max Camera Review: Zion NP


    Medicaid & Children’s Health Insurance Program (CHIP) Managed Care Final Rule – CMS-2408-F


    Neuroscience Says These Are the 10 Happiest Songs Ever


    Review: The iPhone 12 Pro Max is worth its handling fee


    The Amazing Things That Happen When You Play Music at Home


    Trump Administration Announces Medicaid and CHIP Managed Care Final Rule, Continues Commitment to Transform

    Medicaid by Delivering Greater Flexibility to States

     

    More episodes you’ll like:

     

    November 6, 2020 | The Friday Five | Apple | Google | Spotify


    The Friday Five for November 6, 2020: KFF First Looks on Part D and Medicare Advantage for 2021, Preparing for an Uncertain Future, How to Be Brave and Put Yourself Out There, Detecting the “COVID cough”, and Ways to Repurpose Your Old Smartphone.


    Halfway Through AEP: Reflect and Renew Your Medicare Sales | Apple | Google | Spotify


    We've hit the halfway point of AEP! Now is a great time to think about what you're doing well! It's also beneficial to consider what could be improved on to really maximize your sales potential. Listen to learn how to reflect, renew, and re-energize your sales for the remainder of the Annual Enrollment Period.


    How to Build Rapport Selling Insurance Online and Over the Phone | Apple | Google | Spotify


    Learn how to better connect with your sales prospects - even if those interactions are now happening virtually. We have 6 tips you can add to your insurance sales process today!

     

    Articles to Share with Your Clients:

     

    Caring for a Visually Impaired Loved One


    If you're caring for a visually impaired senior or loved one, the task may be quite daunting, but we’re here to help! These are a few important tips for caregiving for the blind or vision impaired.


    Getting Creative with Comfort Food: Healthy Pancakes


    Pancakes can be really tasty, but high in calories. What if we told you there were ways you could make healthy pancakes?


    Here’s What Medicare Costs in 2021


    CMS has announced the 2021 Medicare costs. Check them out so you know what to expect this AEP!

     

    The latest from Ritter’s Blog:

     

    How to Get Started in Medicare Sales


    Starting out as an insurance agent in the Medicare industry can seem daunting. There are many ins and outs of selling Medicare and quite a list of things you need to decide and do.


    The Benefits of Joining a Top Insurance FMO


    If you’re wondering what exactly an FMO is and why you should join one, you’ve come to the right place! We have the answers you’ve been looking for to help you determine if you should join an FMO and how you can benefit from doing so!


    How to Check Medicare Extra Help Eligibility for Your Client


    Is your client eligible for the Medicare Extra Help program? You could play a huge role in getting them financial assistance with prescription drug coverage and medications. What are the income limits for Part D Extra Help, and are there Medicare Extra Help look-up tools?

     

    Subscribe & Follow:

     

    Apple Podcasts


    Google Podcasts


    Overcast


    Podbean


    Spotify


    Stitcher

     

    Connect on social:

     

    Facebook


    Twitter


    YouTube


    LinkedIn

     

    9 min

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