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Medicare Supplements Plans are a great option for some clients. Every agent that sells Medicare should offer supplements along with other products they offer. Some clients don’t want to have to worry about Networks and referrals. Medicare Advantage bundles Original Medicare Parts A and B into one plan and usually includes Medicare Part D prescription drug coverage. Some Medicare Advantage plans may also offer extra benefits, such as routine dental, vision, and hearing services.
A Medicare Supplement plan, also called Medigap, isn’t bundled with anything—it’s extra coverage you can buy to help pay the out-of-pocket expenses Original Medicare doesn’t pay.
Medicare supplement plans work with Original Medicare (Parts A & B) to help with out-of-pocket costs not covered by Parts A and B. Some of the other features are.
At Pinnacle Financial Services we offer all the top Medicare supplement carriers in the industry. We teach our agents to cross-sell Medicare Supplements with Prescription Drug Plans along with Stand alone Dental Vision and Hearing products.
Quoting Medicare supplement plans is easy with all the free tools Pinnacle Financial Services offers. We have Mobile and desktop quoting with CSG software, the top in the industry. Give us a call today to add some of the newest supplements Pinnacle offers like Aflac, Allstate, Prosperity, and more.
1 (800) 772-6881 x7731 | sales@pfsinsurance.com
Director of sales | Health
1 (800) 772-6881
support@pfsinsurance.com
Who does not know someone who has had a cancer diagnosis? Cancer can quickly become financially devastating for any family. Having a cancer insurance policy is a great way that families can protect themselves from the financial hardships cancer can cause. Having a lump sum cancer can also pay for other expenses that traditional health insurance won’t cover such as experimental treatments, travel expenses, or even everyday bills.
According to the American Cancer Society, 1 in 3 people will be diagnosed with cancer in their lifetime. If you’ve ever had cancer or know someone who has, you’re well aware of how this disease can impact the lives of everyone it touches.
Selling cancer insurance might not be the main focus of an insurance agent but with Cancer being the 2nd leading cause of death in the United States, your clients would certainly be interested in discussing it. More than half of U.S. cancer survivors have stated they have high medical costs and stress from worrying about paying their medical bills. Some have even delayed medical care due to the costs.
Even if you are on a Medicare plan there are still some gaps in the coverage. This is where a good lump-sum cancer plan can help. The cancer policies will pay cash to the client that can be used to pay for things that private insurance will not cover.
There may very well be other related expenses that aren’t covered by your health insurance that having cash from a cancer plan can assist with paying. They include:
Lump Sum Cancer Insurance
When adding a cancer plan it’s important to consider the different types of plans. The most popular is known as a “lump sum” cash benefit. Once diagnosed with cancer your clients will receive a lump sum cash payment. You are also able to add a cancer rider to a hospital indemnity plan packaging a more robust benefits package for your clients.
Pinnacle Financial Services is a full-service “FMO” that offers you some of the best technology in the business, like our proprietary Connect4Medicare platform, top-notch support service, and personal sales and marketing from the very start. There are no sales quotas or commitments that you need to make to us as we just want to help you grow your business. This is a win-win opportunity for all of us, so what are you waiting for? Join us at the top!
For more information, contact a Pinnacle representative today at 1 (800)-772-6881 x7731 or email sales@pfsinsurance.com.
Director of Sales | Health
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1 (800) 772-6881
support@pfsinsurance.com
LTC insurance helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. LTC Claims are paid based on Activity of Daily Living or ADL Impairment. Once an insured is deemed unable to perform 2 out of 6 ADLs by a certified physician, claims will be paid.
Individuals who require long-term care are generally not sick in the traditional sense but are unable to perform two of the six activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.
Long-term care is an issue today more than ever because people are living longer. As people age, many times they need help with everyday activities of daily living or require supervision due to severe cognitive impairment. This impacts women even more since they tend to live longer than men, and often become caregivers to others.
We have several traditional LTC options with A-rated carriers. Clients can buy LTC as a single person, or as a joint policy with their spouse. Married couples will receive marital discounts whether both apply or just one. Clients generally pay premiums over a lifetime although we do have limited payment options.
Most of the LTC planning today is done using hybrid Life & Annuity products. Click here for more info on the costs of LTC and how Hybrid plans are footing the bill.
Life insurance with Accelerated Death Benefit for Chronic/Critical/Terminal illness. Some will accelerate the full Death Benefit while others are limited. More involved LTC Riders can be added with some carriers. Premiums can be paid systematically or in a lump sum. Click Here for a recent webinar we did with Lincoln Financial on their MoneyGuard Life LTC Hybrid.
Generally require a lump-sum premium. Many of the guaranteed lifetime income annuities offer income enhancements for LTC. Some are for the nursing homes only while others cover home care as well. Some annuities have more robust enhancements than others so picking the right product for the client is important. Click here for info on NEW exclusive Nationwide PEAK 10 Annuity.
Every agent can quote LTC on our website for free. Visit – https://pfsinsurance.com/services/quoting
Contact us for complementary LTC Whitepaper and Fact-Finding Tools.
We provide agents with pre-set appointments with State and Federal employees at a very low cost. This program sets exclusive appointments with pension-eligible employees. No commitment or up-front cost. Can be on appointment and selling very quickly. Pre-Set Appointment Best Practices
If you are just getting started with Life, Annuity, and/or LTC products or are just learning about them, click here for more info. Training is provided on products, fact-finding, selling concepts, etc.
1 (800) 772-6881 x7731 | sales@pfsinsurance.com
Assistant Vice President | Life & Annuity
1 (800) 772-6881
support@pfsinsurance.com
What is E&O Insurance? Also known as Errors and omissions insurance, E&O insurance helps cover you against lawsuits claiming you made mistakes in professional services. Coverages can include protection against inaccurate advice, misrepresentation, negligence, and more. It helps cover the cost of attorney fees, court costs, and more. It’s a must-have in the senior market along with most carriers requiring you to have it in order to contract. Pinnacle Financial Services partners with CalSurance to offer a discount to all Pinnacle agents.
Pinnacle Financial Services makes it easy to obtain E&O insurance. We offer it on our services tab along with many other discounts such as CE Credits. Depending on what products a licensed agent is selling, the level of coverage may need to be increased. CalSurance offers one million over one million at only $400. Speak to one of our directors of sales today to find out what level you will need.
The best time to get E&O Insurance is when you contract. Sending this over to the carriers during the process will quicken the time it takes to get you set up.
AEP will be here before you know it. Now is the time to become a licensed agent to sell senior market products such as Medicare advantage along with others.
Reach out today to find out about all the carriers we offer at Pinnacle Financial Services. 1 (800) 772-6881 x7731 | sales@pfsinsurance.com
1 (800) 772-6881 x7731 | sales@pfsinsurance.com
Director of Salees | Health
1 (800) 772-6881
support@pfsinsurance.com