There is no full-proof way to find the best Medicare insurance agent out there. Still, you can separate a lot of wheat from the chaff by asking a few key questions.
How Many Medicare Clients Do You Have?
I recently had surgery. When I met with the surgeon, I asked how many times she had performed this particular surgery. She had to think because it was in the hundreds.
I want a surgeon–or any professional–to do what they do so frequently that they can do it in their sleep. You will find the best Medicare insurance agents can do it in their sleep.
When you are trying to pick a new Medicare insurance agent, ask your prospective agent how many Medicare clients he has. His client base should be in the hundreds. While not a foolproof method, the number tells you how much practice he has. The most important thing is to determine if he has practiced on lots of other people, and over time–you hope–he has worked out all his mistakes on others.
It is important that he gives you an exact number. The generalities of hundreds are meaningless. The “Good Shepherd knows his sheep and they know him.” He knows them by name. I can tell you each day exactly how many clients I take care of.
‘How many active Medicare clients do you currently have in your book of business’?
How Many Years in Service?
Like any profession, there is a history. Insurance products, practices, and trends change and evolve over time. A Medicare insurance agent who has been around the block several times has seen how the business of Medicare works, how various insurance companies performed, and how products functioned and/or failed.
That only comes with time in service. Some call it the school of hard knocks. You want your Medicare insurance agent to have a Ph.D. in hard knocks, not someone who just learned to spell ‘Part A.’
I have been a licensed insurance agent for almost 20 years, but I have only done Medicare planning exclusively for 9. Medicare is a different world from life insurance, home & auto, annuities, and commercial buildings. Those are not bad things to know, but they really add no value to someone doing Medicare insurance.
To find the best Medicare insurance agent, you need to ask specifically about Medicare experience.
‘How long have you been doing Medicare insurance?’
Positive Reviews as A Medicare Insurance Agent
When you are walking down the street hungry in a new town, which restaurant do you choose? You look in the window and at the parking lot of the restaurant. Which restaurants are full and which ones are empty? We look for social proof to determine which is the best place to eat, and you should do the same for your Medicare insurance agent.
How many Google reviews does the person or business have? Google is a third party. Google doesn’t cost anything for someone to use. How many Google reviews does the agent or agency have? Are the reviews positive? Do they specifically mention Medicare?
Agents are marketers. They usually put client reviews on their websites and in their sales brochures. How many reviews do they have? What do the clients say? What is the quality of the reviews? Again, this is not infallible, but it certainly helps you quickly separate out the bad apples and find a better Medicare insurance agent. When you buy something on Amazon, does it make a difference if one product has 5,134 5-Star reviews and the other has 62 3-Star reviews?
‘How many reviews does the Medicare agent have?’
Is There Demonstrated Expertise in Their Field
“Content marketing” is a popular form of marketing. Content marketing is people putting out information from their field of expertise to help others make decisions (like this blog). The content is free. It helps people understand and solve problems, answer questions, and generally improve their lives. Many Medicare insurance agents have websites with information about the insurance world and insurance products.
When you visit an agent’s website or read his sales literature, does the Medicare insurance agent demonstrate adequate knowledge and expertise about his subject and craft? Is the information generic and uninformative? Is he is calling upon his experience as an agent and telling stories of clients HE helped, problems HE solved, and obstacles in the area of Medicare and insurance HE overcame? Or is the contect bland nothing and useless fluff?
You judge the quality of a Medicare insurance agent by following the bread crumbs of knowledge he leaves for you to follow.
‘Does the Medicare agent demonstrate a high degree of knowledge and professional excellence in his field?’
Do They Have Peer Endorsements as the Best Medicare Insurance Agent in the Area?
You can call insurance companies that offer Medicare plans and Medicare supplements. The local insurance company offices work with hundreds of agents. They know the local Medicare insurance agents who are compliant, competent, and conscientious. Ask an insurance company for a referral.
The agent they recommend may favor the referring insurance company, but still, you will find a good Medicare insurance agent in this way. The local insurance company representatives do not want to recommend an agent who would not reflect well on their company.
When I get a phone call from an insurance company referring someone to me, I always tell the company that I will present their products in the best possible light. But, they know I will also show the whole breadth of Medicare products because I am an independent agent. I get calls from insurance companies regularly.
‘Who are your best Medicare insurance agents in my area?’
Five Questions To Ask To Find the Best Medicare Insurance Agent
There is no foolproof way to find the best Medicare agent near you. Still, you can significantly narrow down the field by asking these five crucial questions:
- ‘How many active Medicare clients do you currently have in your book of business’?
- ‘How long have you been doing Medicare insurance?’
- ‘How many reviews does the Medicare insurance agent have?’
- ‘Does the Medicare insurance agent demonstrate a high degree of knowledge and professional excellence in his field?
- Ask a Medicare insurance company, ‘who are your best Medicare insurance agents in my area?’
After you have finished your research, when you are ready to meet the best Medicare insurance agent in the Omaha, Lincoln, Council Bluffs, and the surrounding metropolitan area give me a call! 402-614-3389.