This is a super-easy add-on sale and process for anyone with a Medicare Advantage plan.
Now, it is a guaranteed issue for ages 60 to 79! No health questions!
See the video from our impromptu sales gathering.
guarantee issue
Sept 25, 2023 Meeting – SOA Talk & Birthday Rule
Scope of Appointment, Spouses, best practices and MORE state changes
See meeting notes under the video:
9/18/23 Office Meeting. More states with GI and AEP Prep
Updates on AEP Preparations and MORE state changes
See meeting notes under the video:
9/11/2023 Internal Office Updates
Updates on AEP Preparations and state changes
See meeting notes under the video:
August 14, 2023 Internal Office Meeting
Office improvements and encouragement to our critical administrative team.
See meeting notes under the video:
06-07-21 Office Meeting – New (2) State Laws!
Revealing two changes to state laws that will create more opportunities for Medicare Supplement options.
See the video:<!@split@>
01- 11- 2021 Medicare Update & Opportunities
Our meeting today covered improvements in our process, things we are experiencing and how to fix them, and opportunity updates for California's birthday rule.
Members only can … watch the video:
OE, GI, UW Review – Meeting 12-28-20
In today's office meeting, we reviewed Open Enrollment, Guarantee Issue, and Underwriting scenarios as they pertain to Medicare Supplement timelines. See the video: <!@split@> Notes from the Meeting: 1) Template we send to Manhattan Life DVH clients on how to…
Improving Process – 12/21/20 Office Meeting
Our internal agency office meeting for 12/21/2020, where we cover process improvements, selling in Missouri, California, and New York, specifically, and other items that help! <!@split@> Covered in this meeting: Listening for “Buyer's Remorse” in subsequent calls with questions from…
Losing Money – Avoid It – Office Meeting 12/14/20
Losing money is not a very good way to run a business. There are situations where you can obtain a new client, write them a policy and get them approved, and yet still get paid zero or next to nothing…
Colorado S.E.P. for Plan F
Update on November 20, 2021: <!@split@> Colorado has…
Great New Opportunity
We constantly keep our eye out for unique opportunities that those agents, who still don't see by phone, just cannot take advantage of. This is one such opportunity. See the video!!! <!@split@> See the Cigna Webinar about the Oregon…
October 19 Medicare Update
October 19, 2020 Office Meeting Notes under the video. Very short meeting. To see more of our office meetings, click here. See the video: <!@split@> To see more of our office meetings, click here. …
Rescinding Policies? Perspective on using G.I. vs. Underwritten.
If you have a scenario where someone has a Special Election Period, granting them the opportunity for a guaranteed issue Medicare Supplement, but they are healthy and could qualify for a plan that is better for them, what should you do? According…
Everest Reinsurance Company
Update January 2020: Citing losses that require closer supervision to what is being written, Everest has notified all contracted agents that their contracts are being terminated. They will now be marketed exclusively through one agency, as they continue to roll…
CSI Makes GI Change
CSI (also known as CSI LIFE) announced today that on Guarantee Issue cases, they will require agents submitting them to send in paper applications with “wet” signatures. So, no more E-app if you are submitting a GI case to CSI…
Oxford Life Lowers the Boom on G.I. Cases
Effective 8/1/15, Oxford Life will no longer pay full commission on guarantee issue cases. (Open Enrollment will continue to be paid at full commission, as with all carriers.) Oxford had been one of the last remaining companies in the country…
January 30, 2015 Webinar on Medicare Changes
See the video: *Update/Clarification: Send Out Cards now charges 3 points for a 2-panel card for everyone. Download the Slides as a PDF: January 30 2014 Webinar Slides Mentioned in the webinar: Video from Congress on Doc Fix Video of…
Guaranteed Issue Considerations
This post also covers Guaranteed Issue circumstances and the impact that has on your commissions. It is very important to start with this publication.. learn it! Choosing a MediGap policy. (Section 3 on Page 21) [ If you are…
California Birthday Rule on Medicare Supplements – Guaranteed Issue
In a recent post, we covered guaranteed issue situations in general.
You can see that post on guaranteed issue Medicare supplements here.
Here, I've extracted some good content from one of the carrier's underwriting guides that helps to break down the guaranteed issue rules for California, the guaranteed issue rules for Missouri, and the Guaranteed issue rules for Oregon.
See the graphics below.. the rules on the underwriting dates in advance of the effective date, are specific to Stonebridge Life's Medicare supplement. The Enrollment starts on the birthday and lasts 30 days, not 30 days on each side. All that means is you have to take the app on the birthday or 30 days after to be GI. I am sure Stonebridge will accept apps on either side of the birthday, but no other carriers in CA that I know of will.
See this latest update from the California Dept. of Insurance:
http://www.insurance.ca.gov/0200-industry/0120-notices/upload/NoticeMedigapChanges2010.pdf
{From Stonebridge:}
State of Washington:
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