The 2018 Medicare Marketing Guidelines turned heads by removing the 48-hour Scope of Appointment requirement. Many agents are asking what this means in terms of compliance. Let’s review what changed and what you’re still … Read More
As an independent insurance agent and a marketer with Ritter Insurance Marketing, I often find myself giving advice to our agents on what products they should have in their sales kit. Read More
Let’s face it. Your clients don’t want to feel like they’re being sold to. However, when you trade in the checkered suit and take the role of a trusted advisor, sales and cross-sales are more likely to occur naturally. Read More
There are three common ways to determine a client’s life insurance needs: Multiple-of-income approach, human life value approach, and capital needs analysis. The latter two methods are more sophisticated and allow you to address … Read More
September is here, and you know what that means! It’s national Life Insurance Awareness Month (LIAM) and the perfect time to discuss life insurance with your current and prospective clients. Read More
Individuals can only enroll in Medicare in one state — the state of their principal residence (i.e., where they vote, file taxes, and have a driver’s license). For health insurance agents, this makes finding the right Medicare … Read More
With Annual Enrollment Period (AEP) preparations underway, and important sales looming on the horizon, what are you doing to ensure this selling season is better than last year’s? Now’s the perfect time to put an action plan … Read More
Like agents, Affordable Care Act health navigators help people understand their health plan options, but there may be far fewer around this Open Enrollment season. According to a report from The Wall Street Journal, the future … Read More
Where their success is your success Driven by a desire to help others, Craig Ritter built a company that puts its stakeholders first. After 12 years in business, Ritter Insurance Marketing’s President continues to oversee … Read More
When a person goes dress shopping, a good sales associate helps them pick the perfect one. A great sales associate helps them pick the perfect one and pick the matching shoes, earrings, and purse. Read More
CMS published their 2018 Medicare Marketing Guidelines a couple weeks back. The document is 124 pages long, so there’s a lot to digest and not 100 percent of the material is totally relevant to agents, so I like to talk about … Read More
Think about your personal experiences at the pharmacy counter. Have you ever been shocked by the amount you’ve owed for a prescription (even after applying your health insurance), or seen a fellow customer’s jaw drop upon hearing … Read More
You’ve probably heard your parents say it many times: Nothing in this life is free. If something’s sold at no cost, it might be too good to be true. While that’s not always the case with $0-premium Medicare Advantage (MA) plans, … Read More
In real estate, the popular mantra is location, location, location. And while we don’t sell houses, when it comes to senior market health insurance, we have a similar motto: renewal, renewal, renewal. Read More
Making the decision to be a health insurance agent is relatively easy. Deciding what type of product to sell? Now, that’s more difficult. When you consider that approximately 10,000 people will turn 65 every day for the next … Read More
You’ve probably signed an acknowledgment of HIPAA Privacy Practices dozens of times at doctor’s offices and hospitals. Did you know, as a health insurance agent, you’re held responsible for safeguarding this information for your … Read More
Successfully establishing your insurance business in a specific geographical area will do wonders for prospect conversion. Not sure how to develop a territory? Here are some great growth strategies you can use to increase your … Read More
As of today, June 9, 2017, the first phase of the fiduciary rule is in force. If all goes as planned, the law will be fully implemented by January 1, 2018. Read More
When you hear the phrase “mission statement,” what comes to mind? A fancy, adjective-heavy sentence in a corporate retreat packet? A far-fetched dream that falls flat in the face of practical business? Read More
More than anything else, Americans’ top financial worry is not having enough saved for retirement. Although there is one product that’s growing increasingly favorable, but hasn’t totally caught on… yet. Read More
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