New policy quoting changes in effect July 1, 2019 Beginning July 1, 2019 Cigna will be implementing a policy change on how business is quoted. They currently allow policy quoting 180-days prior to the effective date. The new change will now limit quoting to 90-days between the signature date of the application to the effective date. This policy change will affect all of our products, including all Medicare Supplement Open Enrollment (OE) and Guaranteed Issue (GI) business, within their family of companies: American Retirement Life Insurance Company (ARLIC), Cigna Health and Life Insurance Company (CHLIC) and Loyal American Life Insurance Company (Loyal). Any application requesting an effective date other than 90-days must be written prior to June 30th and in-house no later than July 10th. After the implementation of this policy change on July 1st, Cigna will no longer accept […]
Integrity Expands Midwest Footprint with Acquisition of Emrick Insurance Marketing Group
Integrity Expands Midwest Footprint with Acquisition of Emrick Insurance Marketing Group DALLAS — June 5, 2019 — Integrity Marketing Group, LLC (“Integrity”), the nation’s largest independent distributor of life and health insurance products to the Senior Market, today announced it has entered into a definitive agreement to acquire Emrick Insurance Marketing Group (“Emrick Group”), an insurance marketing organization headquartered in Illinois. As part of the deal, Emrick Group co-owners and siblings Brenda Emrick-Kennedy and John Emrick become owners in Integrity. Financial terms of the private transaction were not disclosed. Emrick Group markets Medicare Advantage and Medicare Supplement products, as well as a wide range of other Senior Market life and health products through a network of agents in 21 states. Brenda and John lead the company as President and CFO, respectively, taking over from their father, Roger, who founded the […]
CMS Takes Action to Lower Prescription Drug Prices and Increase Transparency
CMS Takes Action to Lower Prescription Drug Prices and Increase Transparency Final rule modernizes the Medicare Advantage & Medicare Part D programs Today, the Trump Administration finalized improvements to Medicare Advantage and Medicare Part D, which provide seniors with medical and prescription drug coverage through competing private insurance plans. These changes will ensure that patients have greater transparency into the cost of prescription drugs, so patients can compare options and demand value from pharmaceutical companies. “The improvements we are making to Medicare Advantage and Medicare Part D deliver on the promises in the President’s blueprint to provide more negotiating tools and more transparency for patients,” said HHS Secretary Alex Azar. “They are significant steps toward a Medicare program, a drug pricing marketplace, and a healthcare system where the patient is at the center and in control.” “Under President Trump’s leadership, […]
CSB Agents: Important Update for agents in AL, GA, LA, MS and SC!
Effective May 9, 2019 Cigna’s Accident Expense product will no longer be available for sales under distribution in the states of Alabama, Georgia, Louisiana, Mississippi and South Carolina. All paper applications for Accident Expense in the states of Alabama, Georgia, Louisiana, Mississippi and South Carolina must be signed no later than May 11, 2019 and received in Cigna’s office by May 17, 2019. Express App will no longer have the product available for sale in these states Alabama, Georgia, Louisiana, Mississippi and South Carolina as of May 9, 2019. Please visit AgentView and download a paper application for any application submissions between now and May 11, 2019.
Integrity Marketing Group expands with Acquisition of Michigan-based MultiState Insurance Center, Inc.
DALLAS —April 2, 2019 — Integrity Marketing Group, LLC (“Integrity”), the nation’s largest independent distributor of life and health insurance products, today announced it has entered into a definitive agreement to acquire MultiState Insurance Center, Inc. (“MultiState” or “the Company”). Based in Grand Haven, Michigan, MultiState is a second-generation, family-owned and operated agency specializing in Medicare Supplement and Final Expense insurance. As part of the deal, MultiState owner and CEO Karen Fredricks becomes an owner in Integrity. Financial terms of the private transaction were not disclosed. “My father started MultiState over 45 years ago and I was born into the business. We’ve always had the motto to ‘do the right thing,’ and Integrity is the right platform to take MultiState to the next level,” said Fredricks. “We’re very proud to partner with Karen and her entire team at MultiState,” said Bryan […]
Medico has competitive Medicare Supplement rates in South Carolina
Hit your sales target with Medico’s competitive rates in South Carolina When you’re selling Medico’s Medicare Supplement plans in South Carolina, you’re sure to hit a bullseye. With Medico’s competitive rates, you’ll be spot on helping your clients choose the best plans for their needs and budget. To pinpoint the best rates in your area, use Quick Quote. Then talk to your clients about Medico’s Medicare Supplement plans today. Plan G* Age 68 $97.61 Age 70 $97.61 Age 72 $97.61 * Female, 293** ZIP codes, preferred, household discount, bank draft, monthly. March 2019.
Medico has competitive Medicare Supplement rates in Illinois
Hit your sales target with Medico’s competitive rates in Illinois When you’re selling Medico’s Medicare Supplement plans in Illinois, you’re sure to hit a bullseye. With Medico’s competitive rates, you’ll be spot on helping your clients choose the best plans for their needs and budget. To pinpoint the best rates in your area, use Quick Quote. Then talk to your clients about Medico’s Medicare Supplement plans today. Plan G* Age 68 $94.06 Age 70 $94.25 Age 72 $94.44 * Female, 620** ZIP code, preferred, household discount, bank draft, monthly. March 2019.
Integrity Marketing Group Grows Final Expense Presence with Addition of Senior Select
DALLAS —February 19, 2019 — Integrity Marketing Group, LLC (“Integrity”), the nation’s largest independent distributor of life and health insurance products, today announced it has completed the acquisition of Senior Select Insurance Group (“Senior Select” or “the Company”), one of the strongest and most respected final expense insurance agencies in the Southeastern United States. As part of the deal, Senior Select President/CEO and Founder, Frank Buce, becomes an owner in Integrity. Financial terms of the private transaction were not disclosed. Based in LaGrange, Georgia, Senior Select was founded in 1995 and distributes products from a dozen major carriers through a dedicated team of sales professionals. In 2019, Senior Select will produce almost $25 million of new life insurance premium. Buce will continue to lead the business and all Senior Select employees will retain their positions and work from the Company’s Georgia […]
Great Western Important Update: State License Requirements
State License Requirements Effective December 1, 2018, all new Final Expense business will need to meet Great Western Insurance Company’s guidelines, as well as Producer Licensing Model Act (PLMA) compliance requirements. Therefore, agents will need to be licensed in the resident state of the proposed insured in order for the application be processed. If an agent is not licensed in the resident state of the proposed insured, GWIC will return the business. Reminder on Final Expense paper applications New paper applications for Final Expense are available and should begin being used immediately. Old paper applications include a section for credit and debit card information, and in our ongoing effort to protect customer data and be compliant with Payment Card Industry (PCI) standards, effective January 1, 2019, GWIC will no longer accept paper applications with credit or debit card information. […]
November CSB Update: Important Updates, Rate Adjustments and MORE!!!
CHLIC is now available in new states Cigna has released their new Medicare Supplement plans insured by Cigna Health and Life Insurance Company (CHLIC) in IA, LA, NJ, NV, TN and UT. CHLIC is already available in: AL, AZ, CO, CT, GA, ID, IN, IL, KY, KS, MD, MI, MN, MO, MS, NC, OH, OK, PA, SC, SD, TX and WI. AEP is now underway – Important Updates below! As a reminder, Cigna’s hours of operation for the Phone Verification team will be 7 a.m. – 7 p.m. CST. Make the most out of AEP and use Express App. Check out our short informational video. Important Contacts during AEP Keep in mind that during this busy time your upline should be your first point of contact. You can also contact the number and/or email addresses listed below if you have […]
