As the roll out of Obama health care sweeps across America the changes that were predicted are now coming to fruition. There have been several carriers who have entirely pulled out of the health insurance market while others have drastically cut commissions to agents. If employers have more employees that are electing not to sign up with the company sponsored plan that also means less commission. This is basically the government’s plan already taking shape. The point is if it is not profitable for the agents to sell health insurance they are going to have to find something else to sell. There are several health insurance campaigns always running here at 4More, both consumer and employee benefits. There is definitely a need out there and if you are selling group or individual now is the time for acquisition of new clients. You might not make a fortune acquiring their employee benefits but you also might find they have other needs other than just health insurance for themselves or their employees.

Ever think about selling annuities? With fixed interest rates around 1% the 3-4% offered by most insurance companies in their fixed annuities is compelling. 50% of all seniors have money in CD’s. The call is pretty simple for business owners. “I know you are probably not real happy about a lot of the premium increases going on now with your health coverage but I would like to let you about a little good news piece regarding your retirement planning. Would you be interested in doubling your income?” Then we ask a couple brief fact finders wanted by our client and then transfer the call live or set up the appointments.

We recommend calling business owners for a couple reasons;

1. They have the cash and the need.
2. We can leave messages on their answering machines
3. Exempt from Do Not Call compliance
4. Most are feeling some sort of pain right now and a good 2nd opinion is warranted.

Best wishes with the 2nd Qtr. 2011!