{"id":1264,"date":"2018-07-03T13:31:23","date_gmt":"2018-07-03T13:31:23","guid":{"rendered":"https:\/\/www.sms-university.com\/?p=1264"},"modified":"2018-07-03T21:06:55","modified_gmt":"2018-07-03T21:06:55","slug":"what-are-you-actually-selling","status":"publish","type":"post","link":"https:\/\/www.sms-university.com\/2018\/07\/03\/what-are-you-actually-selling\/","title":{"rendered":"What are you Actually Selling?"},"content":{"rendered":"

\"\"<\/p>\n

The worst car salesperson will sell the stereo system.\"\"
\nThe worst store will sell\u00a0the roomy parking lot.
\nThe worst residential relator will sell the light fixture.<\/p>\n

The worst home health care policy salesperson will sell a prescription drug benefit.<\/p>\n

Having a product with bells and whistles can make an easy sale, but doesn’t necessarily mean the client understands what they actually bought. The Home Health Care policy is no exception.<\/p>\n

Both GTL and Kemper have a\u00a0very rich in benefit and very\u00a0 competitive home health care plan. However, these plans are very unique in their extra benefits\u00a0compared to other companies. Both of these plans have a drug\u00a0rebate that can\u00a0pay your client up to $600 per year\u00a0depending on the medications\u00a0they take*. This will often pay out more than what the client is actually paying in premium!<\/p>\n

Now, as an agent you may be thinking, “Well hey- a sale is a sale! Who cares why they actually buy the policy?”<\/p>\n

As an advisor and sales professional, it is our job to educate our clients and prospects about their current risks including ways to alleviate that risk. With the rise of baby boomers and the lack of beds\u00a0or access to hospitals; finances to cover care at home is becoming more and more important. Are you giving your clients the protection they actually need?<\/p>\n

Why take such a high caliber product, and\u00a0reduce\u00a0it down to a a single bullet point of the plan? While the drug benefit is an amazing add on to the product, just make sure you are explaining the whole product and all the coverages they will receive by choosing a home healthcare plan.<\/p>\n

As the insurance professional, make sure you aren’t cheating your clients out of this valuable information.<\/p>\n

 <\/p>\n

Olivia Richardson<\/p>\n

Director of Training and Education<\/p>\n

 <\/p>\n

*drug rebate amount can\/will differ from state to state.<\/p>\n","protected":false},"excerpt":{"rendered":"

The worst car salesperson will sell the stereo system. The worst store will sell\u00a0the roomy parking lot. The worst residential relator will sell the light fixture. The worst home health care policy salesperson will sell a prescription drug benefit. Having a product with bells and whistles can make an easy sale, but doesn’t necessarily mean […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/posts\/1264"}],"collection":[{"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/comments?post=1264"}],"version-history":[{"count":7,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/posts\/1264\/revisions"}],"predecessor-version":[{"id":1276,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/posts\/1264\/revisions\/1276"}],"wp:attachment":[{"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/media?parent=1264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/categories?post=1264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sms-university.com\/wp-json\/wp\/v2\/tags?post=1264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}