For Agents: Health Insurance Lead Generation

How Good Is Our Lead Generation Program For Agents?

• The agent will receive a minimum of ten exclusive health insurance leads for free. Ten real time exclusive health insurance leads will be credited to your account after the first sale. More health leads will be forthcoming for brokers that make multiple sales.
• The leads are exclusive and will be sent to your email and to your cell phone as a text message.
• After requesting a free quote the client will be forwarded to a thank you page with your contact information which includes your photograph and link of your personal website. The client will also receive an email with the agent's contact information.
• The agent or the client can input the enrollment information for the agent to be credited for the sale. User friendliness and ease of enrollment leads the  health agent to make sales.
• No licensing fees, and the health insurance agent can sell in all available states that your are licensed.
• This medical insurance plan accepts applicants till age 64. Applicants must be non-disabled and be able to work. .
• There is a low cost medical plan which is available in 50 states. Group sales situations will get a free web site.
• We welcome phone rooms and call centers to sell our health insurance. Tremendous success has been experienced from this sector.
• Cutoff for enrollments is the 5th of the month for the 15th effective date and the 20th of the month for the 1st of the month effective. This is in accordance with the rules of group health insurance which can only begin on the 1st and the 15th.
• These health insurances are underwritten by AM Best "A" (excellent) rated insurers.
• A home state license is required before your enrollment sales web site will be activated. The agent will not be able to enroll sales prospects till the necessary paperwork has been processed. Full processing of your sales web site is usually generated within 24 hours.
• Fill in your contact information and include the state that your desire your leads to come from. You will be  taken to a thank you page with a description of the plans and a link to the electronic contract. You will be active to sell our insurance within 24 hours.
• Please attend our daily conference call at 12pm Eastern Time. Dial in 866-266-3378 and Conference id is 800-960-7702. Please join us Monday, Tuesday, Wednesday and Thursday.
  
• You will get a free enrollment web site. There is absolutely no reason for the health broker not to license with us for our exclusive insurance lead programs.
  
• Impaired health clients are willing to sell their dog to buy this policy. An insurance agent's job is simply to lead the client to the program that is in the client's best interest.
  
• That is our job as licensed insurance brokers. This is how we feed our families and how we sleep well at night.

This web site generates health insurance sales leads for licensed agents in 50 states. We are the leaders in the guaranteed health insurance market. Our plans have a special niche and brokers should get licensed with us at your earliest convenience.

Main Sales Point: No One is Denied - Everyone is Accepted

Your job as a sales professional is to present a solution to your clients' needs while earning a living wage. Major medical insurers, as a result of recent Obamacare legislation, were forced to lower their sales commission levels. Our niche market of defined benefit health insurance has not been affected by this legislation and in recent months sales have increased dramatically. Regardless, a licensed insurance broker should have a policy in his portfolio in which every client is accepted. Your job is to generate sales and presenting the client what he needs is a good path to achieving success.

These guaranteed health insurance policies have benefits that are limited in scope. In general, the maximum hospital per day benefit is $2,000 for a limited period (the average daily cost of a semi-private hospital room is $1,100 nationwide).

What is the ideal solution for an unhealthy client?

Lead the client to buy a limited benefit - defined benefit health policy. We offer policies that will cover pre-existing conditions from day one while other programs will have twelve month waiting period for certain treatments. These health programs can cost as little as $149 per month.

MultiPlan - America's Largest PPO

A negotiated rate for doctors, hospitals, lab work, etc. will save your client a substantial amount of money. Multiplan PPO has over 40 million Americans using its services which makes MultiPlan America's largest PPO with over 550,000 participating providers. Using an in-network provider will lower your client's out-of-pocket medical expenses substantially. The client will not be responsible for any charges that surpass the negotiated rate.

We all have heard the horror stories of an uninsured person walking into a hospital and, lets say, twenty four hours later walking out with a twenty four thousand dollar bill. An uninsured patient, and therefore not part of a PPO network, has an extremely low incidence of actually paying the hospital bill as it comes due. The collection agency and lawyers are called in and the charges are often paid from an estate at death or when the client wants to buy or sell a house.

A non-insured patient can be billed at whatever price that the hospital deems appropriate as opposed to an agreed upon priced that were negotiated by the hospital and PPO beforehand. Savings of 40-50-60-70-80% are not uncommon. The the vast number client will still save alot of money during the period of time that there is a pre-existing waiting period or in case the client has surpassed the benefit limits. For many clients, the network savings will be well worth the cost of the entire health policy in the event of a sickness.

Diabetes - The Plague of the Baby Boom Generation

This current generation of Americans are experiencing an unprecedented amount of chronic illness. Diabetes is the chronic condition that is the leading cause of non-acceptance to traditional medical insurers. According to the American Diabetes Association (ADA), 22.9 million people in the U.S. - 7.9% of the population - have diabetes. This is a growing number. This number has grown 15.5 percent in the last 10 years. Within this 22.9 million group, 6.1 million people have yet to be diagnosed as diabetic by a medical professional while 62 million Americans have pre-diabetes. These facts present you, the broker, a tremendous sales opportunity. Health insurance sales leads from our web sites should be the vehicle that keeps your sales career on track.

The benefits of offering these policies to your clientele are substantial. Limited benefit - guaranteed health insurance programs - are the fastest growing segment of the health insurance industry over the last five years.*

We invite all health insurance agents to our conference call.

Immediately after contracting agents will be given a person personal sales enrollment web site. At the conference call we'll lead you over the various benefits and attributes of the guaranteed health insurance program. Exclusive health insurance leads will be given to top producers on an ongoing basis.

"Looking forward to seeing you at the conference call."

New health insurance agents are highly recommended to listen to the conference call at least one time. Exclusive health insurance sales leads are available to producing agents. Highest allowable commissions will be given to health insurance agents who contract with us. No bickering over percentages!

We Pay For Surgeries!

There are special instructions, so health agents should come to the conference call.

These health plans are a very sellable product, and we'll lead you over the main selling points.

Our plans are now online. Applications and brochures will be in your back office to sell the policy on a face to face basis. We recommend that when you collect a paper application from a client, just input the data into your enrollment web site and save the paper application in your filing cabinet. If you meet an older, sicker, or a client with current credible coverage, sell him the most expensive health insurance program that will cost $399 per month. These policies can take 8-11 minutes to sell over the phone. We recommend to just talk about the policy benefits and the client will tell you their credit card or bank information. KISS.

The insurance company will give the agent a free web site, there is no licensing fees and the health insurance broker is able to make sales in 50 states through the association. Similar features are in the other health insurance products that we represent. This is legal and is the best way for the insurer to sell nationwide over the telephone.

The age 55 or over client must be in good enough physical shape to be able to function as a regular person for his/her age and gender and not be on government disability. Regardless, our medical plans excellent sales web site make this insurer super-suitable for the impaired risk client.

We are giving away free money to brokers that are with us. You ask. Are we crazy? We happen to have the top guaranteed health insurance web site on the internet and we are giving away free leads. A minimum of ten real time exclusive lead from that site to health insurance agents that make their first sale of our product. Agents that sell our health insurance for impaired risk clients are becoming reasonably wealthy from this arrangement. Our goal is to identify quality insurance agents who have good close ratios. When you are identified, we will feed you more leads to sell health insurance.

I am telling you unequivocally that the traditional internet health sales lead generation sites that sell the lead to four agents does not have such a high close ratio. The professional broker who are making the big bucks are those buying exclusive health leads. The agent is licensed with the 5-6 health insurers in the state as well as with our guaranteed product line.

The going rate for a direct phone lead is about $25 and if the close ratio is 40-50%, (which is possible) then the broker becomes a millionaire - before you can say "Orville Redenbacher."

What in heaven's name am I sitting in front of a computer building health insurance lead generation web sites considering that I know all this? Excellent point and I don't have a good answer.

Expected future good news: Hey folks, don't be surprised that one day you wake up to the news that this medical web site is partnering with the internet's number one term life insurance lead source. It is called beyondquotes.com. The keyword we are shooting for for that site is = term life insurance =. Hopefully, we will succeed.

Currently, I am working hard fixing up that site and will inform you 'all when it pops up to #1 in Google. The goal is to lead this industry as a one stop shop in insurance lead generation for ambitious agents. Please bookmark this page and come back later to get term insurance sales leads.

To cut to the chase, insurance agents are wanted and we will do everything to help the agent including having a terrific impaired risk lead generation program.

An example of a standard letter we email to clients that contact us.

Dear Friend,

Thank you for your interest in Our Medical Plans, America's Leading Guaranteed Issue Health Plans.

The Ultimate Limited Medical Program Solution
Our Medical Plan believes that everyone deserves the opportunity to acquire quality medical insurance regardless of your medical condition. That's why Our Medical Plans has assembled the most comprehensive limited medical benefits groups in the country, fully insured by AM Best Companies and underwritten on a guaranteed basis.

Features:

• Any Doctor or Choose a Network Provider
• Unlimited Surgical Benefits (Medicare reimbursement schedule)
• Daily Hospital Insurance Benefits
• Doctor Visit Insurance Benefits
• Diagnostic, X-ray & Lab Insurance Benefits
• No Lifetime Maximum Benefit Limits
• HIPAA Compliant for Creditable Coverage
• Savings on Medications
• Savings on Dental & Vision

and much more...

We look forward to insuring your healthcare needs.

Sincerely,

Typical Health Insurance Agent of our Generation

Facts to help you sell