Terry Scott is not your Friend When Selling Insurance

April 1^st, 2015, Superior, Wisconsin USA

When Terry Scott helps prospective insurance clients in and around Superior Wisconsin to navigate through Obama’s Healthcare or decide what “corporate style benefits” type of insurance package they should have, he’s not what most might think of as the typical “friendly” insurance agent.

Having been voted “the friendliest” in his graduating class, Scott contends that when it comes to selling insurance people need a consultant more than they need a friend. “I don’t chase people” states Scott, “they either want to protect themselves, their loved ones and their legacy, or they don’t”. After being in the Life & Health industry off and on for 10 years he admits this may contrary to the usual way of doing business by most agents and the tenets from the book “How to Win Friends and Influence People” but he insists that he still remains cordial and professional.

“I work on being the best resource that I can be to my clients, prospective clients and fellow agents from all around the country who seek my advice. There is only so much time in the day and it can’t be spent on “tire kickers” when there are so many others who are serious about wanting that advice and taking action to protect themselves. When people are serious about what’s important, that’s when I can be their best coach”.

Scott is licensed in Minnesota and Wisconsin but answers questions to consumers and agents nationwide via his blog and website. Having been an instructor for many years he likes to give people “assignments” to move forward with their insurance needs in a step by step fashion. “When I give someone an assignment; some step in the process to complete before we can move forward, and if they don’t do it; I may not always follow up. I’m not their babysitter and it’s their loss”.

Scott is not alone as an agent pressed for time.  An aging population and changes in federal regulations have increased demand for agents who sell health and long-term care insurance. Further, according to LIMRA, a worldwide association that provides research, consulting, and other services to insurance companies states that thirty percent of U.S. households have no life insurance at all; and fifty percent of U.S. households (58 million) say they need more life insurance.

With time being a factor, much of Scott’s business is completed with the client and him at their computers sharing screens. “Most of the forms are online these days so this speeds the application process and cuts down on drive time to see clients at their home or business”, says Scott.

Terry Scott in an insurance agent in Superior Wisconsin offering Life & Health products: Health, Medicare, Life, Dental, Vision, Disability, Accident, Critical Illness, Cancer, Annuity, Long Term Care, and Wellness Programs and related.

Contact:

Terry Scott,

888-241-4031

tlsinsuranceagent@yahoo.com

www.terscott.com/insurancesuperiorwi

People who read this were also interested in: 

Terry L Scott is your Life Insurance Agent in Superior Wisconsin

Checkout our new webpage. It doesn't matter if you are a consumer with questions, a client or even a fellow agent, this blog is for you. Contact me with any questions you may have. You can scan the QR Code in the ad below or simply visit: www.terscott.com/insurancesuperiorwi

I look forward to assisting you! Terry

The Picture of Health, Terry Scott Insurance Agent in Duluth MN and Superior WI

The Right Coverage at the Lowest Price.

Your search for affordable health, Medicare and life insurance starts here.

MEDICARE

HEALTH

DENTAL + VISION

SUPPLEMENTAL

LIFE

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional.

Like us at: https://www.facebook.com/healthmarketsUSArep

Insurance Manager has the last word... ACA Special Enrollment Periods (SEP)

Genie grants a wish

An insurance sales rep, an administration clerk and their manager are walking to lunch when they find an antique oil lamp. They rub it and a genie comes out in a puff of smoke. The genie says, "I usually only grant three wishes, so I'll give each of you just one." "Me first! Me first!" says the admin clerk. "I want to be in the Bahamas, driving a speedboat, without a care in the world."

Poof! She's gone.

In astonishment, "Me next! Me next!" says the sales rep. "I want to be in Hawaii, relaxing on the beach with my personal masseuse, an endless supply of piña coladas and the love of my life."

Poof! He's gone.

"Ok, you're up," the genie says to the manager. The manager says, "I want those two back in the office after lunch."

Moral of story: Always let your boss have the first say.

An insurance manager has responsibility for all the functions in an insurance company’sbranch office. The sale of insurance policies is the most important of these, but the manager is also responsible for all administrative, personnel and other issues that might arise in the branch office. The insurance manager usually is paid from three sources: a straight salary from the insurance company, overrides on the sales made by the agents working out of the branch office, and personal production — sales made by the manager herself.READ MORE. 

There are many times during the year, and many circumstances that may trigger a 

SPECIAL ENROLLMENT PERIOD. 

See if you qualify. Click on the picture above. 

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional.

Like us at: https://www.facebook.com/healthmarketsUSArep

Life Insurance, Disability Insurance Questions Answered by Superior Wisconsin HealthMarkets Agent

What is supplemental insurance? 

Supplemental insurance is additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. With the exception of supplemental dental and vision plans, supplemental plans pay cash benefits directly to the insured and the money can be used to help pay out-of-pocket medical expenses, such as deductibles, co-payments, and coinsurance, or for daily living expenses such as rent/mortgage, groceries, medication or to help cover a financial gap due to lost wages.

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional. 

Insurance Joke: Applying for Life Insurance...

Applying for life insurance

The applicant for life insurance was finding it difficult to fill out the application. The salesman asked what the trouble was, and the man said that he couldn't answer the question about the cause of death of his father.

The salesman wanted to know why. After some embarrassment, the client explained that his father had been hanged.

The salesman pondered for a moment. "Just write: 'Father was taking part in a public function when the platform gave way,'" the salesman said.

That was funny, but applying for life insurance is no joke. 

What a difference a day can make.

Sometimes when speaking to my clients in offering them a customized “corporate style” benefits package, with the life insurance they state “they want to think about it”. The great thing about this is that with applying for life insurance, they can be protected while they are “thinking about it”. If they qualify, they’ll have a “free look” period to decide whether it’s right for them or not. Usually it is “right” because for one reason, I’ve never had a beneficiary say they didn’t appreciate the money. But another reason why “today” is the day to get life protection is that literally tomorrow you may not qualify.

When someone is diagnosed with a type of condition, they may no longer qualify for life insurance or at the lesser priced version. In the weeks that follow please be looking for 10 Reasons why you may be Turned Down for Insurance Coverage; you may find it very interesting and revealing. 

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional.

Like us at: https://www.facebook.com/healthmarketsUSArep

ADVERTISEMENT: 

How much insurance do I need? Use this insurance Calculator here.

How can you know how much life insurance you need?

Here is a non-profit organization that offers a “calculator” where you can plug in the details and get an idea of what you could use for final expenses. Many clients just think about the funeral home but there is so much more to consider. This calculator is not a substitute for a live insurance counselor like me or one of my fellow professionals. So, CLICK HERE FOR THE CALCULATOR and then contact me when you have questions or would like to move ahead on your decision.

Would you like to see if you qualify for subsides or apply for enrollment in Affordable Care Act? (There are many reasons why you may be able to enroll just about any time of the year, CLICK HERE). Just be sure that you do steps one, and two but DO NOT "APPLY" let me help your with that. CLICK HERE. 

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional. 

Those who read this post were also interested in: 

Partner with Terry Scott, Insurance Agent with his new book!

I will soon be publishing my latest book which will be for sale first at Amazon Kindle (and then later elsewhere) about insurance beneficiaries and how everyone needs to understand this important component of life insurance. If you have a story about how a beneficairy was helped by life insurance, how someone had a situation by not doing something "correctly" at the time of applying for the insurance, or even if you have a question that you think readers would want answered, please let me know at: tlsinsuranceagentATyahooDOTcom. (replace AT with the @ sign and replace the DOT with a dot).

If I use your suggestion in the book, you'll get a free copy via email!

Terry Scott's Boring Insurance Facebook Page...

I think you'll find this Facebook page, even though it is about "insurance" and how Terry Scott with HealthMarkets offers free consulting and quotes, it is also filled with motivational videos, humor and great tips for healthy living!

Check it out and "like" it! Find us (and like us) at: https://www.facebook.com/healthmarketsUSArep


Terry
People who saw this post were also interested in:

How can I search for life insurance? Ask Terry Scott, HealthMarkets Insurance Agent

Terry Scott HealthMarkets USA Rep offers advice via Facebook

Check out our Facebook page!

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional. 

Why do I need my life insurance?

Why do you need life insurance? According to HealthMarkets, which a national company where you can find cheap health insurance quotes online and compare affordable health insurance quotes for free and apply for medical coverage, says this:

There's no replacement for you and the contribution you make to your family. You want to make sure that people in your life, especially your dependents, can remain financially secure after you die. Bottom line: Life insurance financially protects your family and loved ones at a time when it is needed the most.

Terry Scott is a licensed LIFE & HEALTH agent doing business mainly in MN & WI, and is also licensed in other states. He offers answers to questions from consumers and agents alike. If you desire an insurance quote in any state he is not licensed he can refer a fellow professional. 

Retirement Income Savings Strategies for the year 2015 and beyond

This is important for anyone with money. Fellow insurance agents please get this information to your clients. For my readers who are not agents, you need to read this too because it has to do with money; your money!

Be sure to see the books mentioned below concerning an alternative to the usual way people invest. 

As 2015 opens, clients are beginning to focus on retirement income savings strategies for the year — and many are concentrating on newly available options for maximizing the value of employer-sponsored retirement accounts. 

While the non-Roth after-tax contribution option offered wealthy clients a way to increase their 401(k) account values in the past, it did little to mitigate the current or future tax bite. The increasingly widespread availability of in-plan Roth 401(k) rollovers, however, has changed the retirement income planning landscape, creating new opportunities for higher income clients who wish to truly maximize their 401(k) contributions using after-tax dollars. 

READ MORE: 

If you as an agent or you as a consumer do not know the recent news about the Fractional Settlement industry as a viable alternative to investing, I encourage you to read these books shown below. 

Special note to agents: When you purchase any of these books and interested in the possibility of joining my team across the USA in offering a product like this to your clients, I'll refund the price of the book when you join my team; just be sure to save the "sales receipt" email confirmation from Amazon. 

Special note to anyone who wants to protect their hard earned savings and investments: Contact me and I'll reimburse you for your book when you become a client; just save your "sales receipt" email confirmation from Amazon. There is no cost or obligation to ask me questions, so ask away! 

Contact me at: tlsinsuranceagent at yahoo.com. (replace "at" with the @ sign and remove spaces). 

Stay competitive and sell more life insurance

Today's comments are primarily directed to my fellow agents but as a consumer, this is a great article to help you to understand how insurance companies are working hard to work for you. As an agent myself, I am definitely client focused but with an average of 4 sit down appointments and at least 10 people wanting a return phone call (and phone/internet meetings) I'm very thankful to have time saving tools and methods in place.

Here are 5 things life insurers need to do to stay competitive

A recent report from the Deloitte Center for Financial Services reveals that the industry has to keep working on areas such as targeting underserved markets, simplifying products and launching new distribution programs. Today, in the middle and the long term, the life insurance and annuities industries are going to be:

- Experiencing new avenues for expansion

- Operating in a state of perpetual limbo in terms of regulations and legislation

- Staring at a transformation in talent with millennials and an aging insurer workforce

- Transitioning from a paper form business into a digitalized business

- Dealing with cyber security risks, in terms of potential liability and harm to their reputation

- Growing due to mergers and acquisitions

READ THE FIVE THINGS HERE.

This blog is for agents and consumers and as mentioned this post is directed to agents but open to consumers. Agents who read this post were also reading: 

...the biggest facility-to-facility differentials, or knee gaps, for knee replacement surgery...

To see a list of the 10 markets in which the BHI analysts found the biggest facility-to-facility differentials, or knee gaps, for knee replacement surgery facility costs, read on.

As new health policy debates come to life in Washington and state capitals, the Blue Cross and Blue Shield Association is trying to use its member companies' claims experience data to show how strange the U.S. health care system is.

The association commissioned BHI, a data analysis company, to help it analyze members' experience data for two types of common surgery — hip replacement surgery and knee replacement surgery — to illustrate how much costs can vary from facility to facility.

See also: Health cost witness: Transparency could backfire

The analysts looked at claims incurred in 64 markets during the 36 months ending in July 2013. They tried to make "apples to apples" comparisons by using only data for patients outside Medicare and only for patients ages 18 to 65. When possible, they excluded episodes complicated by conditions such as cancer or HIV.

READ MORE

People who read this post were also interested in:

Terry Scott Insurance Agent, Superior WI answers Long Term Care questions.

Seventy percent of consumers over the age of 65 will need long term care (LTC) at some point in their lifetime, according to the Centers for Medicare & Medicaid Services. Given increased life expediencies and the rising cost of healthcare, long term care planning is an important fiscal issue that affects not only the nearly 80 million baby boomers and their retirement planning but also their families and loved ones.

Do you have questions? Let me know! I'm here to help; really, I am. 

PPACA rules are letting sicker people get coverage

This is important information that I share with my own insurance clients. If you are and agent, share this with your clients. All other readers, take note! 

The Patient Protection and Affordable Care Act (PPACA) has set up the public exchange system and exchange plan premium subsidies. Other parts of the law have all but eliminated medical underwriting in the individual health insurance market.

Before PPACA came along, workers who could get jobs with health benefits could join their employers' plans without going through a direct medical underwriting process.

Now that both individual consumers and group plan enrollees can get coverage without facing direct medical underwriting, "the utilization patterns for these markets are clearly converging," Hempstead writes.

Holders of individual coverage may be using more care both because of a temporary, pent-up need for care and because PPACA rules are letting sicker people get coverage, Hempstead says. READ MORE.

Readers of this post also enjoyed looking at: 

Terry Scott, Insurance Agent with Health Markets offers information about the SMALL BUSINESS HEALTH TAX CREDIT.

Thank you to my readers, agents, clients and consumers (prospective clients) but friends all! This post is for my clients and would be clients (especially business owners and managers) mostly but fellow agents might find something of interest here too.

 

Thanks for the few moments of your time when you visit to read a few materials that can help make your life as a business owner/manage more hassle free; knowledge really is power!

Just being an agent for HealthMarkets and offering the best insurance solutions for business and their employees is not all I do. I’m plugged into the industry and can get you answers fast. (We at HealthMarkets were probably able to assist more consumers navigate through the ACA than HealthCare.gov because we had a website that worked! Please don’t tell them that I said that!)
Even in the last 24 hours I received word from the CMS stating this news:

It’s Tax Season! Have your Small Biz Clients Applied for the Tax Credit? Small employers with less than 25 full-time equivalent employees who offer health insurance coverage through the SHOP Marketplace may be eligible for a Small Business Health Care Tax Credit.

If you have questions on anything you read in this blog, this news from CMS or anything pertaining to how to protect you and your employees in the most cost effective way, please let me know.

Make it a great day!

Terry Scott

Networking is for insurance agents and their clients...

Everyone learns and earns more by understanding networking. This site is for both the insurance agent and the consumer and here's an article that certainly has value for both!

Networking...
READ MORE

I met a financial advisor about two years ago. Recently, he contacted me by email out of the blue. He was struggling in the first year of his practice and felt if he didn’t get help fast, he would fail. After a quick search about “how to be better at networking,” he found me.

We chatted on the phone for a while. He read my book. Listened to my audio. And I spent some time with him on the phone over a two month period.

As it turned out, he did in fact fail at being a financial advisor. (Clearly, I’m not very good.)

He emerged in another sales role outside of financial services: salary, partial commission, the whole thing. He was invited to the launch of a networking group which seemed like a good opportunity for him. The attendees were there “by invitation only” and there was nobody else in the group that sold his products and services. In fact, the group was made up of successful business owners and service providers that were great at networking.

READ MORE

You've heard the radio ads, you've seen them on TV. Call now for Insurance answers.

You've heard the radio ads, you've seen them on TV. 
You know you need it and you really do want it. 
Contact me to get your questions answered. 

Life Insurance Solutions and More. 

Agents who offer rebates on life insurance...

Imagine this scenario. Joe the Producer is discussing a life insurance policy with a small business owner, and things are looking good. Joe’s fact-finder has identified the client’s need, and he has found the best coverage for the business owner’s particular situation.

Then the prospect throws Joe a curveball: He’ll buy the policy, but only if Joe kicks back a portion of his commission on the sale. This, of course, is also known as rebating, which is illegal in every state except California and under certain conditions in Florida.

Joe’s not in California or Florida and knows very well what the prospect is asking him to do is illegal and could cost him his license. How does Joe proceed from here in an ethical manner?

After being momentarily taken aback by this request, Joe tells the prospect, “That’s illegal. I could lose my license.” After all, perhaps the prospect didn’t know it was illegal and was simply trying to bargain for a better deal on this policy. Surely many consumers are in the dark about the rules in insurance transactions. READ MORE

Others who read this also were interested in: 

Signs of Alzheimer's can include...

Is it Alzheimer’s?

The course of Alzheimer’s disease is different in every person. But, in general, people with mild Alzheimer’s disease may seem to be healthy but are actually having more and more trouble making sense of the world around them. While it’s common as we age to have more difficulty remembering names, places and other things, people with Alzheimer’s disease are also frequently unable to find the right words. Other signs of mild AD can include:

• Memory loss
• Confusion about the location of familiar places (getting lost begins to occur)
• Taking longer than before to accomplish normal daily tasks
• Trouble handling money and paying bills
• Poor judgment leading to bad decisions
• Loss of spontaneity and sense of initiative
• Mood and personality changes, increased anxiety and/or aggression

Many older people wonder if forgetting names or misplacing the car keys means they may have early signs of Alzheimer’s. READ MORE. 

Terry Scott Insurance Agent (Life and Health) is licensed in many states and answers your insurance questions where ever you live in the USA. 

Who is Terry Scott, Licensed Insurance Agent in Superior Wisconsin?

My name is Terry Scott, your local agent for HealthMarkets Insurance Agency in Superior, Wisconsin. I'm licensed in WI and MN serving clients in about 100 miles of Superior. I am proud to represent Insphere Insurance Solutions We are focused on serving the life, health, retirement and long-term care insurance needs of small businesses and middle-income families and individuals. I personally meet with my clients to understand their needs and provide objective guidance and solutions. Please contact me today for a free consultation.

 

 

 Terry Scott is a licensed Life and Health insurance agent doing business in many states. Regardless the state you live, he is always available to answer your questions and will gladly refer you to an agent in your area. You may contact Terry via his website: www.healthmarkets.com/terry.scott.



Terry Scott offers "No Cost Assistance" to navigate through ObamaCare.

I helped many people navigate through the HealthCare.gov site this year to get signed up to get health insurance (or not) and many times was not paid for my efforts. But that's OK, I got in this business to help others. It's because of this that my business has grown over 100% from last year at this time!

Also... I offer NO COST ASSISTANCE... to navigate through ObamaCare (or ACA; whatever you want to call it):

I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. We promise never to spam you or sell your information. Best of all, my assistance is no cost to you. Call me today (details at website) and let me find the right insurance for you.

My business has been built mostly on referrals and now unless a new client is referred to me, or they find me through my marketing and are serious about their life situation to meet with me, I don't meet with them. And it's so easy now to meet with clients; many times for the initial meeting we'll converse over the phone and share computer screens (no worries, I can't see your screen, but you can see mine).

 Terry Scott is a licensed Life and Health insurance agent doing business in many states. Regardless the state you live, he is always available to answer your questions and will gladly refer you to an agent in your area. You may contact Terry via his website: www.healthmarkets.com/terry.scott.

One recent study found that a brisk, 20-minute daily walk appeared to lower the risk of premature death.

Here's a great article about walking for health and life!

If you sit a lot, walk a lot

According to the Physical Activity Guidelines for Americans, adults should engage in at least 150 minutes of moderate intensity aerobic activity every week. Sadly, almost half of Americans don’t meet those recommendations. Moreover, a new study shows that sitting for prolonged periods of time raises the risk of heart disease, diabetes and cancer.

So what’s the solution to this pair of problems? Walk, says a growing number of health experts. While activities like jogging, swimming, tennis and basketball are terrific forms of exercise, not everyone can withstand the rigors of those sports. But brisk walking—and even small breaks away from your desk to walk around a bit—can make a significant impact on your health if you make it a habit.

READ MORE...

People who read this article were also interested in: 

Terry Scott Insurance Agent Life and Health Superior Wisconsin

I wanted to share a quick story about a conversation that I had with someone today. I congratulated her on her commitment to continue her education and graduate to follow her dream. She thanked me and told me that there was no way that she could ever do what I do (meaning selling Life and Health insurance); it's way too hard. I told her that it's like anything else. You just love people, love what you do, and everyone loves doing business with someone like that.

It's a crazy thing for me now as an insurance professional. People come to me, I seldom "go to them". My business has been built on referrals and I seldom take a client unless they have been referred or they found me through my website or other marketing.

When people come to me, they want the products that I have; they are not "tire kickers". I have aligned myself with the business "insurance solutions" company, with the best leaders, fellow agents and best products and that is why people come to me.

With so many things going for me; this is easy and definitely not hard!

Make it a great day!

(Google Search):
Terry Scott Insurance Agent Life and Health

Terry Scott, Life Insurance Agent in Superior WI makes choosing plans easy.

Choosing an insurance plan can be difficult…

Choosing a Plan

Choosing insurance plans can be difficult. That’s why I make it easy. I’ll make the calls, compare the plans and prices, and find you the insurance plan that fits your needs. Best of all, my help is at no cost to you. My office handles all types of insurance, including:

·         Health Insurance

·         Medicare

·         Life Insurance

·         Dental Insurance

·         Vision Insurance

·         Disability Insurance

·         Accident Insurance

·         Critical Illness Insurance

·         Cancer Insurance

·         Annuity

·         Long Term Care Insurance

·         Wellness Program

 

Others who read this article were also interested in:

 

Terry Scott is a licensed Life and Health insurance agent doing business in many states. Regardless the state you live, he is always available to answer your questions and will gladly refer you to an agent in your area. You may contact Terry via his website: www.healthmarkets.com/terry.scott.

Who is Terry Scott, Life and Health Insurance Agent in Superior Wisconsin?

My name is Terry Scott, your local agent for HealthMarkets Insurance Agency in Superior, WI. I serve clients in the Superior area and Most of my clients have been via referrals because HealthMarkets is a complete resource for people to get through the maze of questions with today's changes My clients are in Superior, Ashland, Spooner, Hayward and Rice Lake areas .


Regardless if you have insurance or not, check this out. Here are great benefits for businesses and individuals for only $10 to $40 a month! Wow; a no brainer!

Looking for any of these life and health insurance products in Duluth MN or Superior WI?

Terry Scott is a licensed Life and Health insurance agent doing business in many states. Regardless the state you live, he is always available to answer your questions and will gladly refer you to an agent in your area. You may contact Terry via his website: www.healthmarkets.com/terry.scott.

My Office Handles:

Health Insurance, Medicare, Life Insurance, Dental Insurance, Vision Insurance, Disability Insurance, Accident Insurance, Critical Illness Insurance, Cancer Insurance, Annuity, Long Term Care Insurance, Wellness Program