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Are You Looking at Your Client’s Whole Picture?

As an agent focused on the senior market, you get the opportunity to get in front of a lot of people. According to Pew Research Center, 10,000 people turn 65 every day here in the U.S. While you are helping seniors enroll in health insurance, why not take the opportunity to look at the rest of their financial house? Many baby boomers have done a good job of accumulating assets for retirement however; most do not have a strategy for turning those assets into income.

If your clients want to turn savings into a stream of income, annuities may be your solution.

Here are some questions to ask when speaking to your clients about funding their retirement:

1.) Are they concerned about losing their retirement savings?

Fixed annuities offer a guaranteed rate of return (even fixed indexed annuities). Clients can invest their money knowing they will not lose their principal. This is especially important to clients with a low risk tolerance who are afraid of losing money in the stock market.

2.) When do they need access to their savings?

Do they need it now or later? Annuities fall under two categories: immediate or deferred. Immediate annuities immediately turn a lump sum payment into a stream of income, while deferred annuities earn interest and defer those payments until a later date. Make sure you know what your clients’ needs are: do they need income now, or are they willing to let their assets grow and draw on them later?

3.) Do they still need life insurance?  

Life insurance is still valuable after retirement. For many retirees, some or all of their life insurance was provided by their employer. When people retire, they think “I don’t need life insurance anymore.” Is that really true? Do they have specific debts or expenses that need to be paid off at their death? Do they have a desire to leave assets to family, friends or a specific charity or church?

Life insurance can make sure these obligations are met, no matter how long they live.  People are living longer and longer in retirement and there is a great deal of concern about having enough income to last their retirement years. If you add on top of that the desire to have funds available at their death then you need to be having a conversation around life insurance.

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Aetna

 

Aetna is an American managed health care company that provides traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid insurance and benefit programs1. Aetna is a proud CVS Health company and shares a common purpose with CVS Health: bringing their heart to every moment of your health. Aetna believes that everyone should have a fair and just opportunity to achieve their best health, which is known as health equity. Aetna is committed to improving the environment, addressing health inequalities, investing in people’s health, acting with integrity and protecting against health care fraud and abuse.

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Medicare Sales Training Guide

This comprehensive 64-page guide covers senior insurance sales from all angles, from licensing to sales.

“Medicare 101” details coverage types, benefits, eligibility requirements & more!

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  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2024

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

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  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2024

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

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  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2024

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Passing score is 85%. You have 3 attempts.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
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Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

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  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
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  • Passing score is 90%.
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Amerigroup Certification Links, Guides, Phone Numbers, Emails

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Amerigroup Certification Links, Guides, Phone Numbers, Emails

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  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
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Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2024

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
  • AHIP Medicare Training: Certifies producers to sell for mulitiple carriers, including Aetna. 

Aetna Certification Links, Guides, Phone Numbers, Emails