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The Standard | Up To 1.50% Extra Bonus Commission with ECI PlusThe Standard

The Standard | Up To 1.50% Extra Bonus Commission with ECI PlusThe Standard

The Standard | Up To 1.50% Extra Bonus Commission with ECI PlusThe Standard
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Enhanced Choice Index Plus Gives You Even More!

Elevate your earning potential with up to an additional 1.50% bonus commissionselling The Standard’s fixed index annuities. Get the details >

Offer your clients more with the Enhanced Choice Index Plus annuity.

More guarantees

ImageParticipation rates are guaranteed for the entire surrender charge period on four index options1meaning no renewal rates to track! Plus, it has a guaranteed minimum accumulation benefit.

Image More enhanced rate options

Choose an Enhanced Index Cap Rate or Enhanced Index Participation Rate for even more growth potential.2

Image More choices

There are 5 distinct indices for index interest crediting, plus a fixed interest option. Four are managed-volatility options, including our new proprietary index, the BofA Global MegaTrends 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 rates, product training, applications, and more 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 has transitioned to ECI Plus — except in California — and we’ll no longer accept old applications.

Why Choose The Standard?

With over 100 years of financial stability, you can count on us to help your clients prepare for the future. Working with us, you’ll get:

  • Nearly a century of financial strength ratings of “A” or higher
  • A partner with multiple best-in-class service awards

Contact us for product questions or more information on the ECI Plus.

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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Global Atlantic | The latest product enhancements are here Global Atlantic

Global Atlantic | The latest product enhancements are here Global Atlantic

Global Atlantic | The latest product enhancements are here Global Atlantic
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Our fixed index annuity lineup just got even better

We made enhancements in January — did you see the upgrades to ForeIncome II’s optional Guaranteed Income Builder Benefit which adds 12% to the Withdrawal Base for up to 10 years  and the 12% increase to contract values on Day 1 with ForeAccumulation II with the optional Premium Enhancement Rider?2 Now there’s more on the way. 

We’re thrilled to add these new features to our suite of products:

  • NEW Point-to-Point with Locked Cap Index crediting strategy available on 5-, 7-, and 10-year ForeAccumulation II products3
  • Income Multiplier Benefit with ForeIncome II provides increased payout factors
  • Updated Guaranteed Lifetime Withdrawal Benefit with Income 150+ SE lifetime annual payments

Whether your clients prioritize income or accumulation, comprehensive upgrades to our core products deliver more of what they want.

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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2025 Medicare Certification

2025 Medicare Certification

2025 Medicare Certification
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2025 Medicare certifications are right around the corner with the launch of AHIP (America’s Health Insurance Plans) and NABIP’s (National Association of Business Insurance Professionals) certifications in a little over a month. Typically, agents won’t begin the process until the major carriers launch their specific training for the 2025 season. This is partly due to the agents receiving a discount on the training from these companies through their portals.

What is AHIP and NABIP?

AHIP stands for American Health Insurance Plans and was established in 2003 through a merger of the Health Insurance Association of America and the American Association of Health Plans. AHIP offers Medicare training that is accepted by CMS (Centers for Medicare and Medicaid Services) and nationally by all Medicare insurance carriers.

NABIP stands for National Association of Business Insurance Professionals and is a non-profit professional association that was established in 1930. NABIP has chapters all over the country organized to promote common business interests to those engaged in the sale of health insurance products and services. A few years ago, NABIP launched its version of AHIP’s Medicare training to compete with other organizations. You can find all the details on that Here.

2025 Medicare Certifications: Current Dates to Remember

In planning for 2025 AEP, it is important to plan out and take all required certifications in a timely fashion. So far, AHIP and a handful of national carriers have announced the dates of when the new training will be available for agents. Here is a list with corresponding dates:

AHIP: June 24th

Devoted: June 24th

Elevance (Anthem): July 2nd

Clover: July 18th

Where does Pinnacle Financial Services come in?

Pinnacle Financial Services is a full-service “FMO” dedicated to helping agents across the country grow their book of business. It is essential to be prepared for the upcoming 2025 Medicare AEP season, and we have the tools here for your success! We offer the best back-office support in the industry, top-notch technology, and a national agent trainer to help guide you through the certification process. Give us a call today to set up a 2025 pre-certification call to ensure you are prepared and ready to go!

Need more guidance? Check out our AEP Toolkit

For more information, contact a Pinnacle Financial Services representative today

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

National Director of Agent Training

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

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Wellcare | Important SEP Reminder for State Pharmaceutical Assistance Programs

Wellcare | Important SEP Reminder for State Pharmaceutical Assistance Programs

Wellcare | Important SEP Reminder for State Pharmaceutical Assistance Programs
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Important SEP Reminder for State Pharmaceutical Assistance Programs

As a reminder, CMS guidelines permit a Special Election Period (SEP) for beneficiaries in qualified State Pharmaceutical Assistance Programs (SPAPs) under certain circumstances and in states where SPAPs are available. The chart below summarizes these qualifying SEP conditions:

Important Information & Recommendations

It is imperative that you take steps before enrolling a beneficiary using the SPAP SEP to confirm that the beneficiary meets the SPAP SEP’s eligibility requirements. The SPAP SEP is not available unless the beneficiary is enrolled in or is losing eligibility for coverage under a qualified SPAP.

We recommend that you take the following steps before enrolling a beneficiary using the SPAP SEP:

  • Explain that a qualified SPAP is a program offered by certain states to provide financial assistance for pharmaceutical expenses to Part D eligible residents and that the beneficiary may be eligible for a SEP if the beneficiary is enrolled in a qualified SPAP or is losing eligibility for coverage in a qualified SPAP.
  • Provide the beneficiary with the list of qualified SPAPs. See the list of qualified SPAPs below.
  • Confirm that the beneficiary can attest to meeting the eligibility requirements based on the list of qualified SPAPs.
  • If the beneficiary attests to meeting the eligibility requirements for an SPAP SEP, check that the beneficiary resides in one of the states listed below that have a qualified SPAP. In the event that the beneficiary does not reside in one of the states listed below with a qualified SPAP, check to see whether the beneficiary recently moved from one of the states listed below with a qualified SPAP and is therefore losing SPAP eligibility.

Qualified SPAPs

The following are qualified SPAPs:

  • Delaware: Delaware Prescription Assistance Program
  • Indiana: HoosierRx
  • Maine: Maine Drugs for the Elderly and Disabled
  • Maryland: Maryland Senior Drug Assistance Program
  • Massachusetts: Prescription Advantage
  • Missouri: MoRx
  • New Jersey: NJ Pharmaceutical Assistance to the Aged & Disabled Program; NJ Senior Gold Discount Card Program
  • New Mexico: New Mexico Medical Insurance Pool
  • New York: Elderly Pharmaceutical Insurance Coverage Program (EPIC)
  • Pennsylvania: Pharmaceutical Assistance for the Elderly
  • Rhode Island: Rhode Island State Pharmaceutical Assistance to the Elderly (RIPAE)
  • Texas: Texas Kidney Health Care Program
  • Vermont: Vpharm
  • Wisconsin: SeniorCare

Please refer to the SEP section in the CMS Enrollment and Disenrollment Guidance, Medicare Advantage (MA) (Section 30.4), for detailed descriptions of the various types of SEPs and their eligibility criteria.

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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Best Medicare FMO

Best Medicare FMO

Best Medicare FMO
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The Medicare market has experienced significant growth, presenting an opportunity for independent insurance agents to grow their business’. Agents are actively seeking the top Medicare Field Marketing Organizations (FMOs) that specialize in assisting Medicare agents to partner in growing their business efficiently.

Explore the Best Medicare FMO Options with Pinnacle Financial Services

In the competitive world of Medicare agencies, independent agents are bombarded with claims from companies touting themselves as “The Best Medicare FMO” or “Top IMO.” Agents need to research to find a truly exceptional FMO. At Pinnacle Financial Services, we commit ourselves daily to being the top choice for our agent partners, prioritizing unparalleled service, technology solutions, and training across multiple product lines.

Why Pinnacle Financial Services Stands Out in the Medicare Market

With a long-standing history in the Medicare market, Pinnacle Financial Services understands the importance of a robust support structure for independent agents aiming to expand their business. Our commitment to excellence in service continues to drive our efforts in supporting agents.

What Pinnacle Financial Services Offers to Medicare Agents

We offer a comprehensive suite of tools and technologies at no cost to help agents succeed:

  • Medicare Quoting Tools: Easily quote plans using our apps for phones and tablets.
  • Connect4Insurance Access: Use the leading tool for Medicare quotes, comparison, and enrollment.
  • Efficient Online Contracting: Streamline your processes with our online system.
  • Free Lead Program: Jumpstart your sales efforts with access to free leads.
  • Competitive Medicare Commissions: Benefit from top-tier commission structures.
  • Comprehensive Training: Access ongoing training options both in-person and remotely.
  • Free Continuing Education Credits: Enhance your qualifications at no extra cost.
  • Advanced CRM System: Manage your client relationships effectively with our CRM solutions.

Take the Next Step in Your Medicare Career with Pinnacle Financial Services

Whether you are new to selling Medicare plans or a seasoned professional, Pinnacle Financial Services is here to support your growth. Our experienced staff is ready to address all your questions and guide you through the benefits of partnering with us.

Contact Pinnacle Financial Services Today

To learn more about how we can help elevate your Medicare business, contact a Pinnacle Financial Services representative at:

Phone: 1 (800) 772-6881 x7731

Email: sales@pfsinsurance.com

Take the first step towards becoming a top-performing Medicare agent with Pinnacle Financial Services, your partner in success.

For more information, contact a Pinnacle Financial Services representative today

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

VP - Marketing

Contact a Pinnacle Representative if you have any questions.

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

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