Anthem | NY State December SEP

Anthem | NY State December SEP

Anthem | NY State December SEP
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Your Clients May Be Entitled to a Special Election Period

The Centers for Medicare & Medicaid Services (CMS) provides for a Special Election Period (SEP) for beneficiaries impacted by a Federal Emergency Management Agency (FEMA) Emergency or Major Disaster Declaration. This SEP is for Medicare beneficiaries who were prevented from submitting a Medicare Advantage (MA/MAPD) or Prescription Drug (PDP) plan enrollment request during another valid election period due to a declared disaster. This includes both enrollment and disenrollment elections. This SEP applies to beneficiaries who reside in the following NY counties:Bronx, Dutchess, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Ulster, Westchesterwho were impacted by Severe Weather.

In addition, the SEP is available to those individuals who do not live in the affected areas but rely on help from friends or family members when making healthcare decisions and those individuals were impacted by the emergency declaration. The SEP is available from the start of the incident period 09/29/2023 and continues through the end of the eligibility period 12/31/2023.

Only those beneficiaries who did not make an election during another eligible enrollment period are eligible for this SEP. An individual can use this SEP one time for each election period they missed.

When there are questions about eligibility, CMS will make the determination. A beneficiary may contact CMS if they want to know all plans in their area for enrollment assistance, or if they have any questions. They can reach CMS by calling 1-800-MEDICARE (1-800-633-4227) anytime, 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048. If the beneficiary knows what plan they want to select, they can call the plan or their broker/agent directly to enroll. To review up-to-date information, you may go to the FEMA Disaster Declarations website. This Information is updated at least weekly.

CMS expanded the eligibility guidelines for SEPs effective for any disaster declaration made 1/1/2021 and after. The declaration can come from any level of government – Federal, state or otherwise. Therefore, in addition to the FEMA website, you should also reference any relevant governor executive order and/or state emergency disaster info page for this detail.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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Clover Health | SEP in New Jersey – New End Date

Clover Health | SEP in New Jersey – New End Date

Clover Health | SEP in New Jersey – New End Date
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SEP Annoucement

The state of emergency that was declared for New Jersey on 9/29/23 due to severe weather was lifted on 10/1/23. The new SEP end date is now 12/31/23.

Important note: On the Clover online enrollment application, there is an option to select for this disaster SEP. On a paper application, please include code ‘DST’ to indicate this eligibility type.

Just as a reminder, the SEP exists for individuals affected by a disaster or other emergency declared by a Federal, state or local government entity who were unable to, and did not make an election during another valid election period. Remember, you can check active SEPs in the Helpful Resources section of Clover’s For Brokers webpage.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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GTL | AEP is Over, What Now? | GTL Quick Cast

GTL | AEP is Over, What Now? | GTL Quick Cast

GTL | AEP is Over, What Now? | GTL Quick Cast
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In case you missed it…

Episode 13
Overview of Client Signature Options
7 minutes

Or tune into our other available episodes!

Introducing GTL Quick Cast(3 minutes)
Zack gives a brief introduction to GTL’s new micro podcast and many of the upcoming topics to be covered.

Useful Features on GTL’s e-App (6 minutes)
Zack points out some helpful tools for agents which you may not know are available on GTL’s e-App.

Putting the “Life” in Guarantee Trust Life (5 minutes)
Zack quickly highlights our two newest and most exciting life insurance products, Turbo Term and Heritage Life.

Department Spotlight: Sales Support & Licensing (4 minutes)
The first in a series of GTL department spotlights. In this episode, Zack highlights GTL’s Sales Support and Licensing departments and the level of service and support agents can count on.

A Chat With Rush Holson, VP of Agency (9 minutes)
Zack sits down with the newest member of GTL’s sales team and VP of Agency, Rush Holson. Rush is the 4th generation of the Holson family to work at GTL since his great-grandfather started the company in 1936.

Short-Term Home Health Care Overview (7 minutes)
Zack breaks down GTL’s Short-Term Home Health Care plan and the important information you need to know in just over 7 minutes.

Precision Care & The Power of Genomic Sequencing (8 minutes)
Zack is joined by Demetri Simos, GTL’s AVP of Sales, to share his personal story about the power of genomic sequencing and his tips on selling Precision Care Cancer Insurance.

Advantage Plus Elite Overview (6 minutes)
Zack breaks down GTL’s industry-leading hospital indemnity product and some helpful cross-selling tips when you’re meeting with clients.

Fill The Gaps Tool (4 minutes)
Zack highlights GTL’s quick and helpful tool for writing hospital indemnity applications.

Turbo Term Overview (7 minutes)
Zack covers our newest Term Life Insurance product powered by artificial intelligence for instant decisions!

A Chat With Carl Leader, CMO & Assistant COO (9 minutes)
Zack sits down with GTL’s Chief Marketing Officer & Assistant Chief Operating Officer, Carl Leader. Carl shares a little bit about himself and his newest role
at GTL.

All You Need to Know for AEP (5 minutes)
In under 5 minutes, Zack goes rapid-fire on all of the exciting recent GTL announcements you need to know this Open Enrollment!

Overview of Client Signature Options
(7 minutes)
Zack runs through the various ways of capturing your client’s signature when completing an application – including our newest Digital Signature option on the Agent Portal. Learn which one is best for you to use in different situations.

**NEW** AEP is Over, What Now?
(5 minutes)
Zack outlines your next steps to ensure comprehensive coverage for your clients after the busiest time of year has concluded.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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The Standard | 13.50% Cap Rate on ECI Plus!

The Standard | 13.50% Cap Rate on ECI Plus!

The Standard | 13.50% Cap Rate on ECI Plus!
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New Feature!
Cap Rate and Enhanced Cap Rate on ECI Plus Annuity

We’ve added more choices into the Enhanced Choice Index Plus — our newest FIA — now available to Atria Independent Broker Dealers. 

  • Cap Rate index interest crediting on the S&P 500® Index
  • Enhanced Cap Rate index interest crediting on the S&P 500® Index ─
    to lock in even more growth potential

Enhanced Choice Index Plus 7

10.50% Rate Cap S&P 500® Index

13.50% Enhanced Rate CapS&P 500® Index

 

California only: ECI Plus is pending approval in California. ECI will remain available for sale in California.

Get Ready to Sell

Training and Applications

Bookmark our website for product training, applications, and product information.

We require product training before starting an application. If you’ve previously completed ECI product training, no additional training is required for ECI Plus.

Ensure you’re using ECI Plus applications. ECI transitioned to ECI Plus — except in California — and we’ll no longer accept old applications.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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NWL | Avoid a zero

NWL | Avoid a zero

NWL | Avoid a zero
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Earn 8% when the market is flat or better with the NWL Choice Optimizer

NWL® ChoiceOptimizer Fixed Indexed Annuity (FIA) offers an 8.5%* trigger option that can give your clients a return if the market is flat or better.

Here’s how:

Annual index return is 0% =
8.5%* Interest to Account Value

Annual index return is positive =
8.5%* Interest to Account Value

Combine this with the ability to customize indexed strategies for growth and protection, and NWL ChoiceOptimizer FIA could be the full package for your clients.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

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Contact a Pinnacle Financial Service representative today for assistance.

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