Getting Ready to Sell
Laying a Solid Foundation | Lesson 6

Application Submissions

Throughout this module, we’ve talked about preparation with many of our topics covering considerations that need to be made before taking any action. This lesson is no exception. The point of sale is not the time to decide how to submit the application. You’re going to want to have that process down pat, before your first sales presentation.

Insurance has gone from an almost exclusively paper and fax machine, or even worse, snail mail enrollment submission process, to a predominantly paper-free process. Although many carriers will still accept faxed enrollment forms, the ease of use and clarity of e-submissions has made a huge impact, and it’s only going to keep evolving.

Almost every Medicare Supplement carrier has their own eApplication process. eApps cut approval times for underwritten cases significantly, as well as streamline Open Enrollment and guaranteed issue submission.

Medicare Advantage and prescription drug plan enrollments weren’t as quick to join online processing, but they’ve made huge strides in the last few years. The vast majority of carriers offer their own systems through their own portals. To simplify the process for our agents, at Ritter, we’ve worked with Integrity to offer online enrollment for many of MA and Part D carriers on one platform.

Back to the submissions process. For details on carrier submission specifics, I’ll refer you to our carrier pages on Ritter Docs. We’ve mentioned this numerous times throughout this module, and for good reason. These pages are audited regularly, providing timely information regarding all aspects of each carrier’s senior market products, from basic contact and product information, to step-by-step processes for certifications and submitting business. Our resources are really your resources and provided by teams of people behind the scenes that are available as your assets.

Our resources are really your resources, and they’re provided by teams of people behind the scenes that are available as your assets. Your sales specialist helps you find the right products in your area and also provides assistance on your road to success. Our carrier specialists focus on specific carriers, or a small group of similar carriers, like Blue Cross Blue Shield carriers. We also have product specialists that concentrate on specific product groups, like final expense, Dual Eligible Special Needs Plans, even ancillary products, like dental, vision, and hearing plans.

These teams provide you with personalized service to help you make informed decisions. And, there’s nothing we love more than to help you thrive and guide you through your insurance journey.

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