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    Why P&C Agents Should Sell Health Insurance or Partner with Someone Who Does

    October 24, 2024
    In today's challenging insurance market, property and casualty (P&C) agents face increasing difficulties, including rapidly rising prices and the need to work harder to find the right solutions for their clients. As these challenges persist, many agents are looking for ways to enhance their services, boost revenue, and provide greater value.
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    The Emotional Side of Insurance: Connecting with Clients on a Deeper Level

    October 3, 2024
    At its core, insurance is more than a financial transaction—it’s an emotional commitment. Each policy represents individuals or families seeking security, peace of mind, and protection. For insurance agents, acknowledging and addressing these emotional elements can transform interactions, turning routine transactions into opportunities for deeper connections and enduring relationships.
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    How Much Commission Value is a Client Worth?

    September 19, 2024
    In the insurance industry, understanding a client's insurance needs extends far beyond the initial policy purchase. For an agent, understanding the client’s needs can impact commissions. The value of the commissions is not limited to the initial policy purchase and includes the cumulative value of ongoing commissions, the potential for selling additional products, and the invaluable benefits of client referrals. Let’s explore both the tangible and intangible values that clients contribute to your business, starting with a simple example of calculating commissions.
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    Could New Part D Limit Cause Working Seniors to Sign Up for Medicare?

    September 12, 2024
    This post may be a bit early as we’re still awaiting final guidance from the Centers for Medicare and Medicaid Services (CMS), but we wanted to alert you to an upcoming change that could have a significant impact on Medicare-eligible employees and dependents who currently have group health coverage. Starting in 2025, Medicare Part D plans will have a $2,000 out-of-pocket limit. As CMS explains, this change, which is part of the Inflation Reduction Act, also includes measures like a $35 cap on insulin and new authority for Medicare to negotiate prices for certain high-cost drugs.
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    Growing Support for Medical Debt Forgiveness

    September 6, 2024
    Medical debt is a significant issue in the United States, affecting millions of Americans. Recent data shows strong public support for forgiving medical debt, particularly for those facing substantial financial hardships. According to a recent poll by the Associated Press and the University of Chicago, a majority of Americans favor medical debt forgiveness under certain circumstances, such as when individuals are wrongfully billed or have debt that is large relative to their income. Because this issue has broad interest, it’s important to be aware of the facts when customers ask.
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    Individual or Medicare – why not both?

    July 19, 2024
    If you're an insurance agent who specializes in either individual or Medicare products, you face some unique challenges:
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    HSA and ACA Limits for 2025

    May 24, 2024
    The Internal Revenue Service has announced the 2025 deductible, out-of-pocket, and contribution limits for Health Savings Accounts (HSA). Here they are:
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    Client Retention: Strategies for Keeping Your Clients for Life

    April 26, 2024
    For many insurance agents and brokers, selling new business is our primary focus. Yet, we all know it’s easier and less expensive to keep a current client than it is to attract a new one. The secret to building a successful insurance practice is retaining clients over the long term; client retention is essential for the stability, growth, and profitability of an agency. In this article, we explore sensible strategies for maintaining enduring client relationships, emphasizing the importance of regular check-ins, personalized advice, adapting to clients' life changes, and leveraging technology for enhanced communication.
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    Comparative Analysis of Presidential Health Care Priorities

    April 11, 2024
    Well, it’s official. The 2024 presidential election will be a re-match of 2020: Joe Biden vs. Donald Trump. The current and former president have each captured their party’s nomination and will once again face off in November. And that has some wondering how a potential victory by President Biden or President Trump would impact health care and health insurance. While this might not be the number one concern of voters, it’s always high on the priority list. For brokers, it’s important to understand the priorities because, one way or another, our industry will be affected. And, between now and November, we’re likely to get questions from clients.
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    When Short-Term Health Plans Make Sense for Clients

    March 20, 2024
    Outside of the annual open enrollment period, individual clients can only enroll in an ACA-qualified plan if they have a qualifying life event. For clients who don’t qualify for a Special Enrollment Period (SEP), a short-term health plan can be a good option. But there are other times when this innovative solution may be a good fit for clients as well.
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