Hi, I am Brian Forbes Sr. I retired from Hi, I am Brian Forbes Sr. I retired from the United States Navy after 24 years the United States Navy after 24 years

of proud service. Married and two of proud service. Married and two handsome boys ( I wanted to post my handsome boys ( I wanted to post my wife’s picture, but she wouldn’t have it wife’s picture, but she wouldn’t have it

) . ) . I became a Teacher and Part time I became a Teacher and Part time

Insurance salesman for the last 8 years Insurance salesman for the last 8 years and I love helping people, especially and I love helping people, especially

the seniors. the seniors. To know more about me visit myTo know more about me visit my

Brian Forbes Sr.America Senior Savingsbrian@americaseniorsavings.comhttp://www.americaseniorsavings.com

Welcome!!!Welcome!!!

800-465-9914

BACKGROUND…RETIRED U.S. NAVY VETERAN

• WHY DO I HAVE LICENSES IN DIFFERENT STATES?• BECAUSE MY CUSTOMERS ARE ALL OVER THE UNITED STATES!!!!• YOU SEE CARRIERS THAT ARE IN ANOTHER STATE, ARE FREQUENTLY

ENTERING OTHER STATES TO INCREASE COMPETITION, THAT IS AN ADVANTAGE THAT I MIGHT HAVE OVER LOCAL INSURANCE AGENTS.

• AND I ALWAYS STAY IN TOUCH WITH MY CLIENTS, YEAR AFTER YEAR, I DO NOT DISAPPEAR LIKE MANY AGENTS DO. WHEN I FEEL THAT THERE IS A BETTER OFFER, I ALWAYS GET IN TOUCH WITH MY CLIENTS AND LET THEM KNOW.

• MANY OF MY CLIENTS, ALSO HAVE OTHER INSURANCE PRODUCTS WITH ME, LIKE FINAL EXPENSE IN CASE OF THEIR PASSING AND DO NOT WANT TO BURDEN THEIR LOVED ONES FINANCIALLY. OTHERS HAVE BOUGHT A GERBER – GROW UP PLAN FOR THEIR GRANDCHILDREN.. IT IS A LEGACY FOR THEIR FUTURE THAT THEY CAN USE FOR COLLEGE, OR SOMETHING POSITIVE TO START THEIR NEW JOURNEY AWAY FROM HOME.

IN CASE YOU DID NOT KNOWIN CASE YOU DID NOT KNOW

THEY ALL ARE REGULATED BY FEDERAL AND STATE LAWS

THEY ALL OFFERED THE SAME BENEFITS SPECIFIC TO THE PLAN

SO I GUESS THE QUESTION IS THAT IF ALL MEDIGAP (OR MEDICARE SUPPLEMENTS) OFFER THE SAME

BENEFITS AND PAY THE SAME BILLS , THEN THEY ALL HAVE THE SAME PREMIUM, RIGHT?

NO, THEY DO NOT!!!WHY?

BECAUSE THE INSURANCE COMPANIES PRICES ITS MEDIGAP PLANS IN THREE WAYS:

• UNDER A COMMUNITY-RATED OR NO-AGE-RATED PLAN, ALL BENEFICIARIES PAY THE SAME MEDIGAP COSTS AND PREMIUMS, REGARDLESS OF AGE.

• IN AN ISSUE-AGE-RATED OR ENTRY-AGE-RATED PLAN, MEDIGAP PREMIUMS ARE BASED ON YOUR AGE WHEN YOU FIRST ENROLL.

• UNDER AN ATTAINED-AGE-RATED PLAN, YOUR MEDIGAP PREMIUMS ARE BASED ON YOUR CURRENT AGE IN A GIVEN YEAR. PREMIUMS WILL GO UP AS YOU GET OLDER.

MOST PEOPLE ONLY HEARD ABOUT 2-4 COMPANIES MOST PEOPLE ONLY HEARD ABOUT 2-4 COMPANIES THAT SELL MEDICARE SUPPLEMENTTHAT SELL MEDICARE SUPPLEMENT

THEY ARE DOZENS OF COMPANIES

AND THEY ARE COMPETING FOR YOUR BUSINESS

AND THESE COMPANIES ARE GOOD COMPANIES WITH GOOD RATINGS

THEY JUST DON’T SPEND MILLIONS IN ADVERTISING, SO THEY HIRE INDEPENDENT AGENTS LIKE US TO

INTRODUCE THE PRODUCTS.

• THIS IS WHY IS GOOD TO HAVE A GOOD AGENT WORKING FOR YOU.

• YOUR PREMIUM DOES NOT INCREASE BECAUSE YOU HAVE AN INSURANCE AGENT

• IT IS LIKE HAVING A PERSONAL ADVISOR FOR FREE FOR YOUR HEALTH PLANS NEEDS!

• A GOOD AGENT WILL ENCOURAGE YOU TO RESEARCH FIRST BEFORE COMMITTING!

• AND WE SHOP FOR YOU! THE BEST PLAN FOR YOUR MONEY!!

WHY PAY MORE WHEN YOU WHY PAY MORE WHEN YOU DON’T HAVE TO?DON’T HAVE TO?

USE THAT MONEY TO SUPPLEMENT YOUR USE THAT MONEY TO SUPPLEMENT YOUR PRESCRIPTION DRUG PREMIUM!!!PRESCRIPTION DRUG PREMIUM!!!

• SOME PEOPLE ASK THE FOLLOWING QUESTION:

• CAN I CHANGE MY MEDICARE SUPPLEMENT PLAN AT ANY TIME? IS IT LEGAL?

• THIS IS A QUOTE FROM THE MEDICARE.GOV WEBSITE

• “YOU DON'T HAVE TO WAIT A CERTAIN LENGTH OF TIME AFTER BUYING YOUR FIRST MEDIGAP POLICY BEFORE YOU CAN SWITCH TO A DIFFERENT MEDIGAP POLICY.”

• https://www.medicare.gov/supplement-other-insurance/when-can-i-buy-medigap/switching-plans/switch-medigap-.html#collapse-2297

DO I QUALIFY TO GET A NEW MEDICARE SUPPLEMENT PLAN?

• IF YOU HAVE A MEDICARE SUPPLEMENT NOW, THAT MEANS YOU WERE APPROVED.

• HOWEVER, IF YOU HAVE HEALTH ISSUES AFTER YOU BOUGHT THE MEDICARE SUPPLEMENT PLAN, THERE IS A CHANCE THAT YOU WILL NOT BE APPROVED.

• I HAVE PLACED A LINK BELOW THIS VIDEO SO YOU CAN LOOK AT THE HEALTH QUESTIONS. IF YOU ANSWER “YES” TO ANY OF THOSE QUESTIONS, YOU MAY NOT QUALIFY.