Don't Overlook
The Individual Health
& HSA Markets

The Individual Family Plan market is often over looked by many agents as a part of the industry that bears little fruit.  Many prefer selling small group plans over individual plans as the perception is the small group market is more lucrative.  Others are simply already entrenched in other parts of this vast industry.  And even some think this part of the industry is doomed for destruction. What ever your level of expertise, we are sure your days are already full.  Trying to cram more productivity into each day is a daunting task.

The internet is fast becoming the sales tool of choice when one shops for health insurance. The internet allows the agent to sell health insurance plans on a 24/7 basis making your days more productive.

Selling group insurance is getting harder as companies continue to downsize and in many cases no longer operate as they did before. Many people once employed are now independent contractors responsible for their own benefits. The invention of the online quoting engine now makes it easier for a company to shop all of the competition on one place. Couple this with the fact that virtually every broker that seeks the same group case also quotes the same products. Then when the group renews you must re-sell the case.

The individual market in our opinion offers the potential for higher comissions, a growing market segment, better persistency, you don't have to re-sell the case year after year, you can sell completely over the internet and through the US Mail. You are no longer limited to the borders of your own state. Selling health insurance online can be truly global in nature. Being able to sell health plans while being away from the office is now a reality.

With the advent of the Health Savings Account (HSA), most all of the carriers are spending a tremendous amount of energy and money that will focus in this one area. The numbers of potential customers over the next 5-8 years is staggering. No other market that we can see offers this kind of potential for increased commissions.

Although not yet determined it is widely accepted that the persistency for HSA business will far exceed that of the average health plan. This increased persitency means more money in your pocket. The platform we offer the agent is already positioned to take advantage of these types of plans as they hit the market.

Companies like Blue Cross of California, Blue Shield of California, UNICARE and others will spend millions advertising their HSA compatable plans and they will focus on the internet as their delivery system. Ride on the coat tails of companies like these and be positioned to take advantage of this health insurance sales boon that is coming fast.