Rob Lion
Guru
- 653
147 In kansas lol?Gonna be going ALL THE WAY across the Sunflower State soon--KC to Colorado. Its 147 Degrees here and 114% humidity so---its time to escape!
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
147 In kansas lol?Gonna be going ALL THE WAY across the Sunflower State soon--KC to Colorado. Its 147 Degrees here and 114% humidity so---its time to escape!
That's par for the course.Hey
NINE posts and BANG off the subject! No matter I PMd him.
HI, been lurking for a couple of years and finally decided to join.
A little background.. I've been selling (licensed in over 30 states) Med Supps, MA's, CI, PDP's and DVH over the phone through several carriers the past four years (call centers..). In that time, the companies I've worked for have used multiple CRM's, QE's and dialers. The leads have been provided and have been both inbound and outbound. I've only been paid commission on the initial sale; the company keeps all residuals.
Without residuals, I don't see a long term future in the monthly grind of quotas and a 1 time commission. I have a pretty good working knowledge of Supps/MA and have been successful selling. What I don't have experience in, is (obviously) creating my own leads and building my own book of business. I've been reading old posts about going from captive to independent and have tried to get good ideas regarding the process.
The main MA carriers in my area (Kansas) are: Coventry/Aetna, Humana and UHC. For Supps: BCBS, MOO, Aetna, UHC, Cigna and Americo are all popular. I want to continue selling both, but am not sure of the cost of getting contracted with carriers. Ideally, I also want to keep my license in about 5 states aside from my residential state. Would you experienced guys consider that foolish? Should I only focus on my immediate area? Or do you think it's wise to target counties in other states that I've had success in?
As for leads, from what I've read on here, The Lead Connection (among others) is a great source for monthly mailers. Are mailers going to be enough to get me started in the beginning, or should I diversify that with other sources? Also, with the mailers, if they are in my local area, can I door knock as well as call?
I'm also concerned about working from a home office in regards to HIPAA. Can I operate a CRM with clients personal info through my local internet provider? Am I able to store documents using G Suite/Box/Dropbox etc? Can I call from my cell phone (synced via Google Voice etc), or do I need to use the computer via a dialer?
As for FMO's, I plan on calling Todd King, Premier Marketing Insurance, SMS Columbia (have used their QE quite a bit) and Ritter (also used their QE quite a bit), to compare the % they pay out on the most popular local carriers. Those four seem to receive the most positive reviews on here. Is there anything unique to those four that would elevate them above the others?
I'm open to any suggestions/advice/criticism. Thanks.
I'm in FL been selling Med Supps for 35 yrs and MA for 12 yrs. Door knocking not allowed for MA & PDP, only mail is allowed for outreach. Working from a home office is fine, just get a locking file cabinet for your client files. Kramer is another good lead company. You might want to look at United American, A+ Rated for 40 years for Med Supps. They pay level comm for the life of the policy and they have a program that sends you leads every month. Good luck.
Is United American competitively priced in your market?
In KS for plan G, UA appears to be higher priced than 49 of 51 carriers for a test lookup I did for a 75 year old M, with an annual premium in excess of $3800.
Hey
NINE posts and BANG off the subject! No matter I PMd him.
Hey
NINE posts and BANG off the subject! No matter I PMd him.
The ADD meds do not work like they used to... half the time I go to take some and just start doing something else.
If you're "open to criticism" you came to the right place!