Medicare supplement, vision/dental, critical illness, and health insurance policies are bound to come up in any complete discussion of your client's retirement portfolio. We give you options for all of them, so you can offer more choices and coverage levels to the clients who trust you to help them insure the ones they love.
The increasing cost of health care is a major worry for near-retirees. In fact, according to Voya's Retire Ready Index, a whopping 91% of workers are worried about their ability to pay for health care during retirement. These workers know that Medicare only covers so much, and self-funding for unexpected costs can destroy dreams of leaving an inheritance for the children or supporting a surviving spouse.
The best way to help your clients prepare is to talk to them. Go over their options. If they're well below retirement age, we can help you look for better and more affordable health insurance, or add coverage for vision, dental, or critical illness. If they're at or near retirement age, let's dig deeper to analyze their options for Medicare supplement insurance and long-term care.
Learn more about our options for:
- Critical illness insurance
- Dental insurance
- Health insurance
- Medicare supplement insurance
- Medicare Advantage plans
- Vision insurance
Why Your Clients Need Medicare Supplement Insurance
Original Medicare coverage doesn't cover everything, which surprises many clients. Just like with private insurance, they'll still have to pay coinsurance, copayments, and deductibles. Medicare supplement insurance (also called "medigap" or "medsupp") can help offset those costs, and offer additional benefits that aren't included in Medicare Part A or Part B.
Keep in mind that clients who've signed up for Medicare Advantage (also known as Medicare Part C) aren't eligible for a medsupp policy - these are only available to original Medicare subscribers.
We can help you offer Medicare supplement policies to clients enrolled in Medicare Parts A and B. Plans are standardized and regulated by state, with each assigned a letter (A through N). Plan A, for example, must offer the same benefits no matter which carrier sells this plan. In many ways, this makes your job easier - the only tough decision is which plan meets the client's needs. Click here for more info on medigap plans and Medicare Advantage plans.
We'll work with you to present a complete Medicare supplement insurance package appropriate for your client's state.
Reach out to us anytime for illustrations, quotes, marketing support, ideal client profiles, and more.
- Call us at 1-800-823-4852 and ask to speak to a brokerage director.
- Click here to email us.
Become a 21st Century Advisor - Become a Pinney Partner
Health and medsupp are just two products out of many that we can help you provide to your clients. Our specialty is life insurance and annuities, but we also offer long-term care, disability, and critical illness insurance. If you're looking for a one-stop shop, you're in the right place. We can also help with advanced planning for business owners and high-net worth individuals. If you have clients who've been turned down for coverage, let us help. Our in-house underwriting staff will re-examine the case; oftentimes, they see ways to present that case in a better light to the carriers.
We'd love to have you join our team as a partner agent - here's just a bit of what we have to offer.
- Click here to view our media kit. Meet the Pinney executive team and get their contact info, plus full descriptions of our available products and services.
- Check out DataRaptor, our customer relationship management (CRM) software. There are many CRMs out there, but this is the first designed from the ground up by and for life insurance agents. From marketing automation to contact management, DataRaptor helps you sell more in less time.