NEW Home Health Care Product For Insurance Agents: Easy To Sell + In Demand!

Good morning. So very rarely, like I think maybe one time ever, have I ever talked about products on this channel. It's almost always concepts and ways to help you progress in this industry, but today I want to take a couple minutes and I want to talk to you about a product, a specific one. It's a home health care product with a company called Manhattan Life that if you are a Medicare expert and that's all you sell, I think that this could be a really, really valuable couple of minutes for you. So first of all, this product I'm going to explain to you, it's the easiest qualification product in the world when it comes to home health care. And it's twice the comp as far as what the other couple of products out there that are like this in our industry. And it's the most no-brainer sale for your prospects or your clients. Here's how it works. So like all other long-term care and home health care products that are out there, they've got to get a doctor to say that they can no longer do two of the six ADLs in order to file a claim. Same as all the others. Unlike all the others though, there's only two knockout questions. So as long as they're not in a facility and as long as they're not getting help with any of their ADLs, then they qualify. Unlike all the other products that are out there, there's no cognitive questions. And so it's literally those two questions, if they can answer no to those two questions, they qualify. Now here's the insane part. First of all, it's super cheap. And for the right customers, the right clients that are out there, for a lot of them, this can be almost a free product for them, a free benefit. Here's the deal. So let's take a, well, first of all, I should say they've got three different levels. So a cheaper level, a medium level, and a higher level. But for a 69 year old, you're looking at a monthly premium of somewhere between $25 to $45 a month for up to $164,000 of coverage. And like I said, here's the really cool thing. If they've got out of pocket drug costs, this company will reimburse them every month for up to $50 of their drug costs. So if they've got drug costs, they're literally can get up to $164,000 of home healthcare coverage, and it not cost them a dollar to get this policy. I mean, that's pretty unheard of. If you've followed my channel though, for very far, one consistent thing about it is that I'm a huge believer that as we progress into our, this profession, that eventually we should be using FactFinders and selling all products, life, long-term care, and annuities. I think that's the progression we should be doing. But I'm also aware that a lot of this are really honed into Medicare and Medicare Advantage. That's our business. And a lot of you are probably never going to venture outside that. So the reason why I want to talk to you about this today is this is a super easy to learn product. I can teach you this product in seven minutes. It's an easy to sell product. It's a no brainer for a lot of your clients. The online process to fill out an application takes about three minutes and the underwriting takes about 24 hours. So it's super simple. And for those of you that aren't selling anything other than your Medicare, yeah, I'd love life, long-term care, and annuities. But this is such a good baby step. You've got to have at least a couple ancillary products in your bag that you're offering your clients. And for a couple reasons, number one, it'll take your retention rate through the roof as far as your health products, your Medicare and Medicare Advantage staying on the books and somebody not coming and taking up that not out from underneath you, just because they made a phone call and they're a dollar cheaper. And not to mention the other number two, the easy one is that you're going to probably double your commissions in your homes. And so it's just a little bit of work, a little bit of education to double your commissions, raise your retention rate with current applications and clients. It's just really a no-brainer. I've worked out a deal with Manhattan Life to get my followers a top level contract. Most IMOs probably don't even have access to this product. Maybe you do, you can check on it. If you don't want to go that route, all you need to do is email me or even just send me a message here in the notes box and I'll follow up with you. I'll get you in contact with the right people and get you on the pathway to be able to offer this also to your clients, especially as we're coming close to an open enrollment period. You're going to meet with all of your clients, have something else in your trick bag there to discuss with your clients or set up to meet with them after AAP is over to go and do more for them. Get a couple of policies in their house and make some more money. Again, just leave me a message on the notes or shoot me an email. I'll get with you and get you the contact information you need to get this contract. I really hope this is worth your time and that this really will help a lot of you. Talk to you in our next video. Thank you.