T-65 Telemarketing Scirpt

[NationalInsuranceAcademy]

Are you guys serious? I entered this posting (which is 4 pages long now) looking for some good medicare scripts to use. The only thing I found was a bunch of people arguing about MA's and Med Supps. Well, I did find that one script, which looks good to me and I will give it a try. Thanks for the script.

Other than that you all have some serious problems when it comes to Medicare Advantages and Medicare Supplements. How can any of you consider yourself a professional in this market and to the seniors you represent when you only market one plan? Most of you either are for the supps or for the advantages. When did it become up to you to decide the only plan you are going to offer your prospects is one or the other? The proper way and the only way to ensure you are doing the right thing for your prospects is to explain both plans to the prospect. Let the prospect know what the pro's and cons of each are. Explain it to them so they can understand. Offer your professional opinion of what you believe to be the best for that person (but remember it is only your opinion and there are many professionals out there who would disagree with your opinion as to which is the best). Then let the prospect decide which product they would like to have. If you do it this way you are truely doing the right thing for your client and are not just peddling an insurance product to a senior. You have now upgraded yourself from a salesperson to an educator! The educator is the one who gets the referrals. The educator is the one who keeps clients longer! The educator is the one who closes more deals! The educator is the one who sleeps better at night, knowing he/she did the right thing and helped better educate the senior population instead of confusing them more by peddling their one insurance plan.

I mean really, how can anyone of you have such a biased opinion on the different options seniors have to face today. Be a professional and understand both sides of the story, because the one plan fits all approach is not always the right fit!

I hope you all get a clue about what the real problem out there is.

Have a great evening!
Matthew Todd
National Insurance Academy

 

[Bob_The_Insurance_Guy]

Don't lump me into that category. I sell both.

 

[GreenSky]

I hope you all get a clue about what the real problem out there is.

The real problem is that agents listen to their FMO's and think they know what is best for their potential clients. All the marketer wants is to sell THEIR product.

I sell both Med Supp and MA plans and try to help my clients make a proper decision. No one size fits all.

That being said, if you take money out of the equation, then there is nothing better than a Med Supp.

Rick

 

[senior-advisor-indiana]

National,

Most of us sell both MA's and MS. Seems like the only ones touting one product are the marketers. Most of the time a med supp is a better fit for the client. Some people do want an MA and if that is what they want I enroll them.

An educated person would have read more of the forum before making accusations. There is your clue.

 

[sman]

Are you guys serious? I entered this posting (which is 4 pages long now) looking for some good medicare scripts to use. The only thing I found was a bunch of people arguing about MA's and Med Supps. Well, I did find that one script, which looks good to me and I will give it a try. Thanks for the script.

Other than that you all have some serious problems when it comes to Medicare Advantages and Medicare Supplements. How can any of you consider yourself a professional in this market and to the seniors you represent when you only market one plan? Most of you either are for the supps or for the advantages. When did it become up to you to decide the only plan you are going to offer your prospects is one or the other? The proper way and the only way to ensure you are doing the right thing for your prospects is to explain both plans to the prospect. Let the prospect know what the pro's and cons of each are. Explain it to them so they can understand. Offer your professional opinion of what you believe to be the best for that person (but remember it is only your opinion and there are many professionals out there who would disagree with your opinion as to which is the best). Then let the prospect decide which product they would like to have. If you do it this way you are truely doing the right thing for your client and are not just peddling an insurance product to a senior. You have now upgraded yourself from a salesperson to an educator! The educator is the one who gets the referrals. The educator is the one who keeps clients longer! The educator is the one who closes more deals! The educator is the one who sleeps better at night, knowing he/she did the right thing and helped better educate the senior population instead of confusing them more by peddling their one insurance plan.

I mean really, how can anyone of you have such a biased opinion on the different options seniors have to face today. Be a professional and understand both sides of the story, because the one plan fits all approach is not always the right fit!

I hope you all get a clue about what the real problem out there is.

Have a great evening!
Matthew Todd
National Insurance Academy

Matthew,

Glad to see that you are the moral authority here. Fact is, most of us offer both and most of us know, through experience, that the med supp comes with the fewest complaints and highest persistency. The only factor that comes into play is premium. Most of us also know that the first year commission is higher on the MA plans, yet we would rather see a client go with a Med Supp for the better benefits. The ONLY complaint I get from my clients on a Med Supp is the premium. And I always tell them I make more money if they go with the MA plan. My book of business is about 60% Med Supp and 40% MA.

With that said, if you were to take the script offered by "Bob the insurance guy" (which I think is a great script - I just prefer to sell and enroll the Med Supp over the phone if at all possible, but understand that personal touch adds A LOT) and actually sell an MA the day you stopped in to see the client, you would be in violation of CMS rules. You would actually have to make a second appointment to sell the MA. In addition, if you were to call the prospect and ask for an appointment to discuss a MA plan and you talk about more than THAT ONE MA carrier, you are in violation of CMS rules.

Most of us have "been there, done that" so we don't need you to be the moral police for us.

 

[Zydo]

Are you guys serious? I entered this posting (which is 4 pages long now) looking for some good medicare scripts to use. The only thing I found was a bunch of people arguing about MA's and Med Supps. Well, I did find that one script, which looks good to me and I will give it a try. Thanks for the script.

Other than that you all have some serious problems when it comes to Medicare Advantages and Medicare Supplements. How can any of you consider yourself a professional in this market and to the seniors you represent when you only market one plan? Most of you either are for the supps or for the advantages. When did it become up to you to decide the only plan you are going to offer your prospects is one or the other? The proper way and the only way to ensure you are doing the right thing for your prospects is to explain both plans to the prospect. Let the prospect know what the pro's and cons of each are. Explain it to them so they can understand. Offer your professional opinion of what you believe to be the best for that person (but remember it is only your opinion and there are many professionals out there who would disagree with your opinion as to which is the best). Then let the prospect decide which product they would like to have. If you do it this way you are truely doing the right thing for your client and are not just peddling an insurance product to a senior. You have now upgraded yourself from a salesperson to an educator! The educator is the one who gets the referrals. The educator is the one who keeps clients longer! The educator is the one who closes more deals! The educator is the one who sleeps better at night, knowing he/she did the right thing and helped better educate the senior population instead of confusing them more by peddling their one insurance plan.

I mean really, how can anyone of you have such a biased opinion on the different options seniors have to face today. Be a professional and understand both sides of the story, because the one plan fits all approach is not always the right fit!

I hope you all get a clue about what the real problem out there is.

Have a great evening!
Matthew Todd
National Insurance Academy

Nevermind Matt.....he and his buddy from Complete Solutions...are one in the same. Complete Solutions, National Insurance, Sell4forethought and Sellfuneraltrusts....all the same outfit.

 

[senior-advisor-indiana]

Nice catch Zydo.

 

[theinuranceguy]

Bottom line and I think most will agree.......

You are a marketer and not an agent. The onky reason you like MA's better than a Med Supp is because YOU (the upline) rape us agents on MA commissions.

I was kidding, take a chill pill...

And before you respond to one of my comments why dont you read what I wrote already...

Med supp is the cadillac of health plans, duh....

I was being sarcastic, so next time you open your mouth, know what your talking about, It was a joke.

Sheesh....:bump:

And I'm a marketer? I beg to differ, I have not tried recruiting you, or anyone on this forum. And I wouldnt, I joined this forum to get to see other peoples views on insurance. Period.

I frankly think Your views SUCK, and thats my problem, lol, I can put up with it. So you should do the same, and just put up!

Oh ya, Before I forget...

Be sure to visit our website:
Complete Solutions Inc. Senior Market Insurance Agents

We have great contracts!

Have a Great Day!

 

[senior-advisor-indiana]

I wasn't kidding and I do not see you disagreeing.

P.S. If you haven't noticed, we are taking plenty of pills via the drinking water.

 

[theinuranceguy]

Senior-Advisor-Indiana,
Page 2 or this Thread:

I agree 100%. Medicare+Supp is the Cadillac of Healthcare, BUT, The rates of these plans will soon be through the roof. With less people enrolling in them and even more people leaving I dont see Supps staying around much longer.

Aetna has an MA that cost $115 per month that is comparable to a Supp. If My client wanted a Supp, I would present this Aetna Plan.

But I see where youre coming from.

Also, I checked the fax, and Your Forethought Life Insurance Company Contract is still not in, I'll Check after lunch