Many of you are preparing for meetings with clients to discuss their health insurance needs for the coming year. Whether you’re talking about Medicare, ACA, or any other option, your clients are relying on your expertise to help them make the right decision. That discussion will center on their needs, their goals, and their finances.
Obviously, your primary reason for meeting is to take care of their health insurance needs, but these meetings are also an outstanding time to bring up other services such as First Dollar, annuities, and life insurance. (NOTE: Remember, when meeting with clients about Medicare, you’re restricted to only discuss Medicare, but you can ask about setting up other times to talk about other products.)
LeClair has made it easy to access these other options through our partnerships with carriers, AnnuityVip, and DBS.
If you’re in the group market or are interested in entering this arena, LeClair has some outstanding partnerships that can make the process easier, provide important training, and put money in your pocket. We work closely with these carriers to make your group benefit experience as seamless and efficient as possible.
UnitedHealthcare Effective May 1, 2024, LeClair became a General Agency for UnitedHealthcare group plans. This increased level of partnership offers agents enhanced services, training and commissions. We first announced this in theJune 12, 2024 Boost Newsletter.
Our Group Team makes working with UHC as a General Agency a smooth, streamline process. It includes:
Full services for quoting, enrolling, and servicing groups
Educational support and training
Access to tools such as Benefitter
Quoting assistance
100% commission to the agent with no splitting
You can learn more about the General Agency status and how to position level funded solutions with your customers and prospects during aninformative webinaron Wednesday, September 25, 2024.
Engage PEO Earlier this year, we introduced you to Engage PEO, a professional employer organization that serves as a human resource management service for a business. Brokers who partner with a PEO can not only offer their clients critical, high value services at just the right time, they can also gain a competitive edge and increase their own earning potential. LeClair has partnered with Engage PEO, a leading professional employer organization providing HR outsourcing solutions to small and mid-sized businesses across the U.S.
Engage PEO offers:
Full suite of resources for everything HR
Training
Compliance
Payroll services
Cyber expertise
Non-compete on group benefits unlike other PEOs
Chubb A third option to consider with group benefits is Chubb. This trusted partner has been in business for over 100 years and is rated A+ by A.M. Best. Chubb business insurance can help businesses protect against the unique and evolving risks they face – no matter the size of the business or the nature of their industry. Chubb’s risk specialists work to find the right solutions and tailor them to meet client needs.
Group GAP insurance can be promoted as “insurance for your insurance.” They can help employers save on benefit costs and maintain the integrity of employee benefits. Employees, in turn, can receive a cash payment to help cover high deductibles, coinsurance, and copays.
Operating an insurance agency requires compliance with certain rules. Still, regarding data protection and cybersecurity, I’ve seen many owners with no idea of what they must have in place to avoid huge fines per record.
So here is your friend and cyber advisor Daniel to help you.p
To stay cyber security compliant, an insurance agency that collects both PII (Personally Identifiable Information) and PHI (Protected Health Information) must take several important steps.
We understand that as a health insurance agent, adding new products – such as life insurance – to your portfolio, can seem daunting. Working with DBS simplifies the process. As your partner, DBS invests in their relationship with you. For decades they have cultivated an in-house team that’s behind you every step of the way, offering technology and tools tailored to support your business and make the life insurance application process fast and efficient.
LIMRA research estimates the sales potential of the underinsured market is $12 trillion and, based on current rates of population growth and inflation, it is expected to grow by $300 billion per year. Yes, that is $300 billion… with a B.
Many of your regular health insurance customers fall within the realms of underinsured for life insurance. With meetings you have scheduled, or will be setting up, introducing the topic of life insurance to them is an incredible opportunity to grow your business. Having a partnership with DBS – and the regional support they offer, make it easier than you think.
To help get your clients thinking about life insurance, DBS created Life Insurance Myths and Realities. It looks at many of the reasons people are reluctant to purchase life insurance. We encourage you to use this document to help your clients make an informed decision about life insurance. Review it with them. It may change their perspective on life insurance.
Wednesday, September 4, 2024 – Midland Hills Country Club
Sometimes plans change. When they do, your customers will receive an Annual Notice of Change from carriers. It's important for you to understand how to address any client questions. In this workshop, you'll learn how to discuss these documents with your customers and how you can use them in your Medicare discussions.
Medicare Connector is an online, single sign-in quote and enroll tool for Medicare Advantage, Prescription Drug, and Medicare Supplement plans, to help you better serve your clients while staying compliant. Use it to quote MAPD, Med Supp, PDP and Ancillary Products.
With AEP just around the corner, now is the time to learn more about the capabilities of Medicare Connector and how it can make working with clients easier. We're offering two live Medicare Connector webinars in August. These are perfect opportunities to learn best practices to use with this system, get training on new tools and hear about resources to get you ready for the upcoming enrollment season.
Wednesday, September 18, 2024 – 9:00 AM - 12:30 PM
We know the importance of training and keeping your skills up to date. We’re once again offering three one-hour CE webinars to agents in Minnesota, Wisconsin, Iowa, Illinois, North Dakota, Nebraska, and South Dakota.
9:00 AM - Sarah Korsch, First Dollar is the First Decision
10:15 AM - Jared Taggart, Annuities: How They Work and the Benefits They Provide
11:30 AM - Andrew McCourt, Self Funding for Small Employers
Join us beginning at 9:00 a.m. for this great opportunity to get the knowledge you need to help your clients and build your business. You must register for each of the sessions to get the login credentials and to receive CE Credits.
For more info on all upcoming LeClair events, visit the AGENT PORTAL, Education ⇒ Events
Carrier Updates
Carrier Training
LeClair has partnered with many of carrier partners to promote training sessions about products, features and services.
Topics to be covered by carriers includes Medicare, the CMS Final Rule and 2025 carrier products.
To see a full list of these offerings, please select the Carrier Training button below. Currently, we have webinars or workshops available from the following carriers:
Ameritas – Monday, August 26, 2024 – 2:00 PM
UCare – Wednesday, August 28, 2024 – 9:00 AM
AnnuityVip – Wednesday, August 28, 2024 – 11:00 AM
BCBS of MN – September 10, 2024 – 1:00 PM
UHC – September 12, 2024 – 1:00 PM
BCBS of MN – September 12, 17 & 19, 2024 – various times
All Carrier updates Read all the latest Carrier Updates. My Advantage portal is updated daily with all the latest carrier and industry news. You can easily shuffle content by carrier, date, or topic. CLICK HERE
*NOTE: In order to access the Carrier Updates, you must first sign up for a free account to access the My Advantage advisor portal here. Please be advised that it may take up to 24 hours for your account to be approved, as all account requests are subject to verification of agent or industry credential.
Our Mission: To ensure that every person in every community across America has a well-trained, well supported health and life insurance agent to guide their needs.
Our Vision: To be your partner of choice in serving your communities' need for health and life insurance.
Who Works with LeClair: We are national FMO designed and built to serve local agents supporting local communities across all 50 states
We get you. We got you. You got this.
We love hearing from you.
If you have questions about the information in this communication, please let us know.
