Insurus Medicare Solutions

[Angorsino67]

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My name is Pat Salas and I am the President of both SBHIS and Insurus.
I thank you for your interest in our agency.
Insurus is not out NC it is headquartered in Chula Vista,CA and has offices in Illinois, Missouri, Texas & Arizona and teams in various other States.
Insurus works with a call center called MHS and they actively respond to mailing and inbound calls from TV campaigns we create to generate leads. They in turn book appointments that we give to our agents.
SBHIS is not known as INSURUS or vice versa. They are 2 completely separate agencies. SBHIS works exclusively in California and INSURUS works in all other States.
SBHIS has over 100K MAPD members in CA, 1700 agents and about 400 of them write and enroll into MAPDs exclusively and as their main source of income. These agents are also incredibly well trained, ethical and highly respected mostly because Medicare is all they do so they are highly specialized.
Insurus is actively recruiting and growing.
We believe in generating leads and growing together. If you leave and want to leave with the enrollments we generated together we do not appreciate that.
If you leave but make arrangements to make sure your BOB stays put, you get paid, we get paid and we wish you the best in your new endeavors.
Most of my agents have been with us for a very long time, we are Passionate about Medicare, many refer to us as aggressive. We prefer passionate but aggressive probably applies.
The comment on Duals was interesting. Yes, we are specialists in Duals. You see, I believe that to help the poorest elderly in our country you must have the HEART to serve. You have to care, you have to be ethical and you have to have compassion. Serving Duals is NOT for everyone particularly those that see this as a business. A Dual member will require multiple touches from an agent, possibly multiple visits, extra time etc. In exchange you will get paid with fruit, cups of coffee, hugs and the overwhelming feeling that you truly helped someone that needed help. The members are loyal when you are loyal to them. You build a BOB and reap the benefits of it in renewals.
We are very proud to retain over 93% of our membership. The 7% we lose are due to expiration or unethical agents trying to move the business from one plan to another due to an agency move (churning) - this is not for the benefit of the member but for the benefit of the agent.
YES, beware, if you are unethical, hurt an elder for financial gain, take my leads and enroll them and then try to move to another agency you can be reassured that we will do everything we can to prevent that. It's our duty to the plans we represent (preservation of membership) and it would be financial suicide for us not to do it.
I love what I do and so does my team, we are some of the very best in the industry and can teach you a lot. If you want to belong to a team that is very hands on, works with YOU, builds with YOU, SUPPORTS you and holds you accountable to your commitments we are a great option. If you are not looking to join someone as dedicated and over the top in LOVE with doing Medicare we are NOT for you.
To Missy in California... "You are who you surround yourself with". If you are friends with people I have had release issues with in CA (7 people in our 11 year history)I would beware of listening to you based on the company you keep. None of those 7 are people I would like on my team much less people that care much about others.
To all, thank you for reading this post and for your interest in our company. We love to help Medicare beneficiaries and are blessed to get paid for doing so. Not only do we help the very well to do, middle class but chose to help the Duals before they were popular or a sales opportunity because it was the right thing to do.
I wish all of you much success and if you think we fit what you are looking for in a partner give us a try.

Respectfully,

Pat Salas

Lol very ballsy to say you will try and take away an agent's book if they want go away from your agency (whatever the reason may be)... these are not your captive slaves patrick, sounds way too fishy for my tastebuds. I don't know if your response helped sbhis' image or hurt it even further

 

[sman]

It's our duty to the plans we represent (preservation of membership) and it would be financial suicide for us not to do it.

Therein lies the difference in the FMO and the agent. My goal as an agent is to make sure my client is taken care of. Not preserve membership for a particular carrier.

 

[Todd King]

Therein lies the difference in the FMO and the agent. My goal as an agent is to make sure my client is taken care of. Not preserve membership for a particular carrier.

Not all FMO's are like that. I would rather see an agent take care of the client first. I've was that way when I was in the field and I just can't see it any other way.

 

[MissyMedicare]

Not all FMO's are like that. I would rather see an agent take care of the client first. I've was that way when I was in the field and I just can't see it any other way.

I agree! (Probably why you don't have the reputation they do.)

Problem is that there are greedy "aggressive" eat-your-young types out there (and apparently in this forum).

It's been my experience that the agencies that truly put clients' needs first are also the ones willing to let agents exit at any time for any reason. Let's be honest - if you really just want to serve the clients - you don't balk at an agent moving them to another plan or complain that it's 'churning'. If you're doing right by the people around you, you don't have to force them into indentured servitude to make a buck or insist your agents stick their clients into a plan indefinitely.

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My name is Pat Salas and I am the President of both SBHIS and Insurus.
I thank you for your interest in our agency.
Insurus is not out NC it is headquartered in Chula Vista,CA and has offices in Illinois, Missouri, Texas & Arizona and teams in various other States.
Insurus works with a call center called MHS and they actively respond to mailing and inbound calls from TV campaigns we create to generate leads. They in turn book appointments that we give to our agents.
SBHIS is not known as INSURUS or vice versa. They are 2 completely separate agencies. SBHIS works exclusively in California and INSURUS works in all other States.
SBHIS has over 100K MAPD members in CA, 1700 agents and about 400 of them write and enroll into MAPDs exclusively and as their main source of income. These agents are also incredibly well trained, ethical and highly respected mostly because Medicare is all they do so they are highly specialized.
Insurus is actively recruiting and growing.
We believe in generating leads and growing together. If you leave and want to leave with the enrollments we generated together we do not appreciate that.
If you leave but make arrangements to make sure your BOB stays put, you get paid, we get paid and we wish you the best in your new endeavors.
Most of my agents have been with us for a very long time, we are Passionate about Medicare, many refer to us as aggressive. We prefer passionate but aggressive probably applies.
The comment on Duals was interesting. Yes, we are specialists in Duals. You see, I believe that to help the poorest elderly in our country you must have the HEART to serve. You have to care, you have to be ethical and you have to have compassion. Serving Duals is NOT for everyone particularly those that see this as a business. A Dual member will require multiple touches from an agent, possibly multiple visits, extra time etc. In exchange you will get paid with fruit, cups of coffee, hugs and the overwhelming feeling that you truly helped someone that needed help. The members are loyal when you are loyal to them. You build a BOB and reap the benefits of it in renewals.
We are very proud to retain over 93% of our membership. The 7% we lose are due to expiration or unethical agents trying to move the business from one plan to another due to an agency move (churning) - this is not for the benefit of the member but for the benefit of the agent. According to….?
YES, beware, if you are unethical, hurt an elder for financial gain, take my leads and enroll them and then try to move to another agency you can be reassured that we will do everything we can to prevent that. It's our duty to the plans we represent (preservation of membership) and it would be financial suicide for us not to do it.
I love what I do and so does my team, we are some of the very best in the industry and can teach you a lot. If you want to belong to a team that is very hands on, works with YOU, builds with YOU, SUPPORTS you and holds you accountable to your commitments we are a great option. If you are not looking to join someone as dedicated and over the top in LOVE with doing Medicare we are NOT for you.
To Missy in California... "You are who you surround yourself with". If you are friends with people I have had release issues with in CA (7 people in our 11 year history)I would beware of listening to you based on the company you keep. None of those 7 are people I would like on my team much less people that care much about others.
To all, thank you for reading this post and for your interest in our company. We love to help Medicare beneficiaries and are blessed to get paid for doing so. Not only do we help the very well to do, middle class but chose to help the Duals before they were popular or a sales opportunity because it was the right thing to do.
I wish all of you much success and if you think we fit what you are looking for in a partner give us a try.

Respectfully,

Pat Salas

I guess the rumors are true - brilliant clarification!

If there is one thing I've learned in almost 20 years in business, it's that independent brokers are independent for a reason - and uplines who play God with their clients and commissions are not liked.

Here's the lesson, kids: Read your contract carefully. Do not assign commissions. (There are only a few small carriers that insist on paying the upline rather than the agent.) And always always always ask about the release process - or ask for your release upfront.

As an aside, I appreciate a good deflection and questioning the character of agents I've come across was almost smooth…

 

[Brian F 11]

I am new to the business, less than a year in. This is what I learned so far:

As soon as someone says they are new or looking for a better opportunity, a long line of these companies form up, with no end in sight. Regardless of what they call themselves, FMO, MGA, Agents, Brokers, It's all the same game.They are simply banking on your ignorance; you are new and don't know better. You will be promised leads and everything else under the sun, just sign the contract so we can get started.

Some of them will lie to your face, not tell you the whole truth, steer you the wrong way, whatever it takes to get you to sign up. They don't care about you, your agency, your finances, your family, etc.

The fact of the matter is that they own you and will exploit you. You fill up a book of business for them, it is their's. Make no mistake about it. You can only get paid for as long as you can put up with the latest round of abuse. When you go, say good bye to your book of business and in some cases, being able to write business for those carriers.

The insurance business is all about relationships and long term income, or residual, renewal business. Insurance is not quick money.

Sent from my iPhone using InsForums

 

[psalas]

Question - Do you release freely?
Answer - Yes we do, we ask that you do not move the business you wrote while you were with us. We have a number of agents that have left and their BOBs remain solid. They focused on writing new business and left in good terms.
We have had 7 agent release issues in 10 years and every one of those agents was a an agent that should not be in this business.
Do what's right for the member?
Our customer service team (now 32 people covering various languages) care for the member and assist them with every small issue they have. It is our customer service department that contacts the agent when the member has a problem that the agent should solve. It is also our customer service department that finds the agent to let them know their members are unhappy or need to be changed to a different product.
We have a great reputation, ask the plans or ask the members. Everything we do deals with member service and satisfaction.
70% of the agency production is based on appointments generated by the agency or our Business Development Associates (employees) that we give to agents to run.

Pat