Portfolio

Understanding Single-Premium Immediate Annuities

May 24, 2017

Annuities have gotten a bad rap with some investors. You may have heard that they carry high expenses, surrender charges, and are hard to understand because of complex contracts. It can be difficult to tell if an annuity is a good …  Read More

Portfolio

Protect the Nest Egg with Fixed Index Annuities

May 16, 2017

You’ve heard it before, and it’s true: Americans are concerned about outliving their savings. According to a 2016 survey, nearly 75 percent of Americans over 40 are behind on their retirement savings.  Read More

Portfolio

Fixed Annuities vs. Indexed Annuities: What’s the Difference?

May 4, 2017

You’ve heard the news that now’s the time to be selling annuities, you’ve done your initial research, and you’ve discovered the two main types: fixed annuities and indexed annuities. But what sets them apart, and how do you know …  Read More

Portfolio

Critical Illness Plans: Your Cure for Unhealthy Sales

Mar 23, 2017

Every agent has a story to tell. In the senior market, that usually means visiting clients and prospects in their homes to discuss typical offerings such as health, life insurance, and final expense plans.  Read More

Portfolio

Why Critical Illness Insurance Can Breathe New Life into Your Business

Mar 21, 2017

Critical illness insurance is nothing new. In fact, it’s been around since 1983. But only recently has there been a major uptick in interest in this type of coverage and there are a few reasons why.  Read More

Portfolio

The Key to Accessing High-Cost Care

Mar 16, 2017

Stays in nursing homes and assisted living facilities are increasing as the baby boomer generation reaches its golden years. Unfortunately, most senior living facilities are expensive and those costs continue to rise.  Read More

Portfolio

Four Ancillary Cross-Sales to Show Clients You Care

Mar 1, 2017

As Major League Baseball warms up with spring training, it’s a good time to refine your selling game as well. You can think of the Annual Enrollment Period as the regular season, and this is your time to work on your business …  Read More

Portfolio

Are You Offering Multiple LTC Insurance Options?

Jan 24, 2017

Studies say 70 percent of seniors can expect to use some form of long-term care during their lives. There are various ways to obtain long-term care (LTC) coverage, but which should you advise for your client?  Read More

Portfolio

The Real Cost of Long-Term Care

Jan 18, 2017

Don’t believe the commercials. Retirement in the 21st century isn’t always fishing trips, golf outings, and weekend brunches. Rather, 70 percent of individuals age 65 and older will require long-term care, according to the U.  Read More

Portfolio

An Alternative Approach to Long-Term Care Planning

Jan 10, 2017

Traditional long-term care insurance is no longer the only way to pay for future long-term care expenses. The longstanding deterrent to traditional long-term care purchases is the “use it or lose it” concern that most insureds …  Read More

Portfolio

Secure a Bigger, Better Business with Ancillary Products

Jul 1, 2016

If you’re a senior health insurance agent looking to grow your business, selling solely Medicare Advantage plans and/or Medicare Supplements will only get you so far. You know better than to “put all of your eggs in one basket” in …  Read More

Portfolio

Why Are Part D Prescription Drug Plans So Different?

May 2, 2016

You’ve heard it before, “variety is the spice of life.” People come in all shapes and sizes, so naturally, Part D prescription drug plans will too. From premiums and deductibles to copays and coverage gaps, there are …  Read More

Portfolio

Medicare Supplements Fill the Gaps in Your Portfolio

May 2, 2016

The Ritter blog focuses a lot on preparing you for the ever-changing Medicare Advantage market and its Annual Enrollment Period. But did you know there’s a Medicare product available to the growing senior population that has no …  Read More

Portfolio

SNPs: The Secret to Surviving Lock-in

Mar 1, 2016

Strategizing your sales during Medicare lock-in is a surefire way to carry your business through the health insurance doldrums. It’s what can set your business apart from a seasonally profitable to an annually profitable endeavor.  Read More

Portfolio

These Plans Are Critical to Your Business Strategy

Mar 1, 2016

Outside of Medicare’s Annual Enrollment Period (AEP), you may feel that your chances to engage with new clients are limited, but what if we said they’re not? Just because you can’t enroll clients in Medicare …  Read More

Portfolio

Cover those Copays with Hospital Indemnity Plans

Jan 11, 2016

Another successful Annual Enrollment Period is in the books. Although the busy season is over, it’s not quite time to sit back and relax, but you already knew that, right?  Read More

Portfolio

Cure Your Clients' Needs with a PDP

Jan 8, 2016

It’s that time of year again. The Annual Enrollment Period (AEP) has come and gone, and the Medicare Advantage Open Enrollment Period (OEP) is here. How can you make the most of this Special Election Period (SEP)?  Read More