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Why You Should Be Selling Life Insurance to Millennials

Even when nothing’s biting, fishing can be a fun and relaxing activity. We get a chance to be outdoors, and if we go with someone else, the time spent together can be enjoyable. Still, “catching…a bunch of fish,” as Outdoors Weekly points out, “is the main reason that we go fishing.” And to accomplish this goal, we need to find hungry fish. Here’s some advice the magazine provides in a recent article: To consistently catch fish, we first need to find them.  However, at times just finding the fish isn’t enough. You’ve got to find the fish that are willing to eat your bait.

Don’t Be Afraid to Sell HMOs

As advisors, our job is to evaluate our client’s situation and make customized recommendations about health insurance and other types of coverage. Unfortunately, some agents are guilty of telling clients what they want to hear rather than what they need to hear; instead of recommending cost-saving solutions that are outside the client’s comfort zone, some advisors adopt a “don’t rock the boat” strategy, narrowing their plan recommendations to those that satisfy their client’s wants but not necessarily their needs.

What We Now Know About the ACA’s Future

For years, people have been speculating about the future of the Affordable Care Act:

The Way People Get Care is Changing

The United States, as we’ve long been told, has the best health care system in the world. We have the best technology, top-notch medical providers, live-saving prescription drugs, and a free-market system that encourages innovation.

Some Industries are Hard Hit by COVID-19

2020 has been a rough year, and unfortunately the first part of 2021 could be pretty similar. The coronavirus pandemic has done significant damage to the economy, making it difficult for some of our clients to maintain their health insurance coverage. At the same time, there’s a dangerous virus out there, so people certainly recognize the need for health insurance. Demand is up, even if our clients’ ability to pay is less certain.

Health Insurance: Fixed vs. Variable Costs

A lot of agents are good at analyzing a client’s options, doing the math, and then recommending a plan that will save the client the most money. After all, that is a big part of the agent’s job: to provide analysis and advice to the client.

Dental Insurance in Layman’s Terms

We recently wrote about the expected increase in demand for individual health plans this fall. Millions of workers have lost their group coverage due to the COVID-19 pandemic, so they’ll be shopping for insurance in the individual market.

Sales Tip: Talk in Terms of Net Coverage

Life is full of risks, and as insurance agents, we help our clients reduce their exposure to some of these risks by selling them products that will indemnify them if they have a covered loss. However, as we all know, most insurance policies—and this is certainly true when talking about health insurance—do not provide total protection, and it’s impossible to insure everything.

Teaming Up To Get More Leads

A lot of independent agents work in a silo. They communicate with their clients and prospects but rarely interact with other brokers. And that’s a shame. Not only is there a lot to learn by getting to know your peers, but it could also help you get more leads and sell more business.

Be Sure to Do Your Marketplace Certification This Year

At this point, most agents have begun to realize that there might be a higher-than-normal demand for individual health insurance this fall. The COVID-19 pandemic has forced a lot of companies to furlough or lay off employees, causing them to lose their health coverage. While COBRA is an option for some, others worked for companies that have had to drop their group health plan altogether, leaving them with no continuation option.

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