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Insurance Sales Techniques: Overcoming Objections
Part 1: Unlike selling ice cream, objections are part of selling insurance. To be prepared for these and many other common responses, understand the keys to successfully overcoming objections.
COBRA Plans & ACA Insurance: How They Work Together
It can be challenging to keep up with health policy, who can help, and how program eligibility requirements are changing. Here’s some things to consider for client that have recently lost a job and need to make a decision about health insurance.
Captive vs. Independent Agents: Understanding the Difference
If you are considering a new career as a health insurance sales professional, one of the early decisions you need to make is how you want to work. Do you want to be an independent agent or a captive agent employed by a bank, insurance agency, or large insurance carrier?
Guiding Clients Through the Rising Cost of Health Plans
With a double-digit rise in premiums expected for 2023, here’s how you can guide clients through understanding why ACA plan costs are increasing.
How Insurance Tech Saves Time for Agents and Brokers
Insurance technology is changing rapidly, impacting the nature of insurance sales and renewals. We discuss the implications for both agents and insurance customers.
Enhancing the Reputation of Your Insurance Agency
You can help your community in virtually endless ways, while also promoting your business and enhancing your agency’s reputation.
5 Critical Skills for Insurance Broker Success
You provide value to your clients through your knowledge, skills, and experience. A major part of your branding as a health insurance broker is marketing the additional value you offer.
Finding ACA Health Coverage for Retirees
If your clients are retired and need health coverage, you can use Inshura to quote and enroll them in an ACA health insurance plan. Retired clients may qualify for a private plan with premium tax credits and lower out-of-pocket costs.
Marketing Ideas for Health Insurance Agents
Whether you’re a new agent or you’ve been selling insurance for years, marketing is important for your insurance brand. Inside are some great ideas to get you started.
Health Coverage for Unemployed Persons
The unemployed may now be able to get an affordable health insurance plan through the Marketplace, with savings based on income and household size. Free or low-cost coverage is available through Medicaid or the Children’s Health Insurance Program (CHIP).
Health Insurance Consumers to Receive $1B in Rebates
The Affordable Care Act (ACA) states that insurers must utilize a minimum of 80 percent of their income on healthcare claims, with the remaining less than 20 percent utilized for administration, marketing, and of course, profits. This Medical Loss Ratio (MLR) provision of the ACA requires that any excess profits are rebated to their insured. The MLR percentage adjusts further to a minimum of 85 percent for large group insurers.
Tips for New Insurance Agents
Selling insurance is hard work, and you don’t make an overnight success of yourself without working in the trenches at first to get there. Plus, selling insurance is different than selling any other product; you are selling yourself as their agent.
Health Insurance Options for Same-Sex Marriages
Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain uninsured.
What is “Post COVID-19?”
The term “Long COVID” has been frequently spoken about in the news media as of late. If you still feel like you are recovering from lingering symptoms from a prolonged past COVID-19 infection, your symptoms may be due to a case of Long or Post COVID-19.
Does Health Insurance Cover Therapy?
An estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma associated with mental health or cost.
Is Open Enrollment Closed? Ask These Questions to Qualify
While the 2022 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you have customers that haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which allows certain triggering events to qualify them to apply for affordable health insurance now.
ACA Coverage Expansion to End With COVID-19
Under the current administration, benefits of the Affordable Care Act were temporarily expanded under the American Rescue Plan Act (ARPA) under the reasoning of the COVID-19 pandemic. President Biden attempted to make these expanded benefits permanent with his Build Back Better Bill, but that has stalled in Congress.
10 Essential Health Benefits (EHB) in Insurance Plans
With the Affordable Care Act, all ACA-compliant health insurance plans (aka Obamacare or ACA plans) must include Essential Health Benefits (EHBs). Explore the 10 EHB services that these plans must cover.