NVS Ridgeway Inc

Agents: If you have not reached out to us yet about our NEW SIWL Final Expense carrier who is offering a LEVEL plan that does NOT charge higher rates for To***co Users, please reach out to me. We would love to tell you all the benefits of this carrier!

We are excited that one of our A Rated carriers is now offering a BRAND NEW Simplified Issue TERM product! And the rates on this product are unbelievable! No medical exam required. Find out immediately (in most cases) whether or not your applicant is approved. This can be sold over the phone or face-to-face using the simple E-App. Call us today to find out more!

We had a great January! Let's keep the momentum going into February! Don't forget we have our own Bonus running through the end of March with one of our carriers. If you want to know more, call the office at 1-800-745-7121.

Happy New Year to all!! We had a blessed 2021 and are really excited about the things to come in 2022!! We appreciate all of our agents and clients.

Contact us for information about our BONUS running from January 1 - March 31, 2022 for our contracted agents.

We have an excellent Medicare Supplement carrier offering a HUGE BONUS of $1,125 through the end of January for every 5 issued and underwritten Plan G and Plan N!! That equates to $225 per application. Don't wait! Call us TODAY to get a contract so you can join in on this BONUS before time runs out! 1-800-745-7121

Medicare Advantage AEP season has begun. Let us know if we can help YOU in any way...whether you are an agent or a client looking for information on any specific plans.

It is officially the beginning of the Annual Enrollment Period (AEP) for Medicare Advantage Plans. Whether you are a client looking for a new plan or you are an agent looking to get contracted with one of our many carriers to sell Medicare Advantage, give me a call at 1-800-745-7121.

Just a reminder...

September is Life Insurance Awareness Month. This is a perfect time to contract with one of our great Final Expense or Life Insurance carriers. Help your clients make sure they are leaving their loved ones with ample coverage when they pass on. In these days and times, all should have some form of life insurance. Give us a call today to see what carriers and commissions we have available for our agents.

1-800-745-7121

We are always HIRING LICENSED Life & Health Agents.

Make your own hours. Be your own Boss. Stop living paycheck to paycheck and have the potential to get paid DAILY. You even have the potential to do all of this from your own home selling Final Expense and Medicare Supplements over the phone.

Interested? Call Kelly at 1-800-745-7121. Contracting is VERY EASY.

September is Life Insurance Awareness Month. This is a perfect time to contract with one of our great Final Expense or Life Insurance carriers. Help your clients make sure they are leaving their loved ones with ample coverage when they pass on. In these days and times, all should have some form of life insurance. Give us a call today to see what carriers and commissions we have available for our agents.

1-800-745-7121

AHIP and Certification Season is among us for the Medicare Advantage Plans. Agents, don't wait until the last minute to get started on your certification! Be ready once Annual Election Period opens up on October 15! It will be here before you know it.

If you are interested in getting a contract with one of our many carriers (Humana, Wellcare/Centene, Aetna, UnitedHealthcare) please let me know.

Don't wait until it is too late. Life insurance is something pretty much everyone needs. The younger you are when you get it, the better the rates are. Don't leave your family stranded and wondering how they are going to pay for all the bills after you pass away. Call 1-800-745-7121 or message me for more information. We have policies for just about anyone.

And if you are an agent, we are always looking for new agents to contract to sell insurance through one of our great carriers!

Medicare Advantage AEP is just around the corner! Now is the time to get contracted and certified for each carrier you are interested in. We have contracts available with top carriers! Call me today to get your contract started so you can be ready for when certification begins. Call me at 1-800-745-7121 or feel free to message me.

We hope everyone has a very safe Memorial Day weekend. Thank you to those who have given their lives in defense of our own and our country.

"Those who have long enjoyed such privileges as we enjoy forget in time that men have died to win them." Franklin D Roosevelt

What are you waiting for? There is no better time than NOW to sign up for one of our excellent Final Expense and/or Medicare Supplement carriers. Some are even offering EXTRA CASH BONUSES for a limited time on qualifying business. Call us today to learn more about our carriers and products. 1-800-745-7121

Final Expense Insurance is a necessity for some people...especially in times like today. Some people simply cannot qualify for a Traditional Whole Life policy due to various health issues. You still want to take care of your family and make sure that you have adequate Life coverage so your family is not left with burial expenses they simply cannot afford.

That is where we can help you! We have insurance policies for MOST health issues (diabetes, history of some heart problems, previous strokes, etc). If you have had trouble getting a Life policy in the past, call us today. We have several carriers and are able to offer you some of the BEST rates out there.

If you are an agent currently looking for another carrier who offers Final Expense and GREAT COMMISSIONS, Easy to use E-Apps, and EXCELLENT rates with liberal underwriting...give us a call. We can tell you all about our various carriers.

Call us at 1-800-745-7121...ask for Kelly.

We are excited to announce that we have BRAND NEW Medicare Supplement carrier available to Independent Agents. This new carrier offers SOME OF THE VERY BEST RATES out there, EXCELLENT COMMISSIONS, and a very SIMPLE E-APP.

Message me or call me today at 1-800-745-7121 for more contract information. Don't wait on this. These rates are unbelievable!

There is never a better time than NOW to make sure you and your loved ones are adequately covered with the right types of insurance. If you have current coverage but aren't sure if you have enough for yourself or your family member(s), give us a call. We are always happy to walk through it all with you. Insurance can be a tricky thing to understand. That is why we are here. We have been in the business for over 40 years and love the opportunities to help out our community.

If you are an agent looking for another carrier to add to your portfolio to be able to offer more or better products to your clients, give us a call as well.

We specialize in Final Expense Life Insurance, Whole Life Insurance, Term Life Insurance, Medicare Supplement Insurance, Prescription Drug Plans, and Medicare Advantage Plans.

Give us a call at 1-800-745-7121 with any questions or for more information. You can also message us anytime!

We have excellent contracts available for agents interested in selling Medicare Advantage Plans! We have a lot of $0 Premium Plans in different areas throughout the US...many with $0 P*P copays. We also have quite a few Part B giveback Plans available. Want to know more or interested in getting a contract, give me a call at 1-800-745-7121. I have been in the business for over 40 years and am happy to work with YOU!

We are gearing up for the end of the first quarter of 2021! Get those last few apps in to roll in a little more bonus cash with some of our carriers!

Not contracted yet and want to know more, give me a call at 1-800-745-7121.

What makes a Good agent Great? A lot of things have to fall into place for you to have a successful sale. But ultimately, it falls on YOU as the agent to strive to be the best agent you can be. You have the keys to success within yourself.

1) Driven - In most cases, you are your own boss. You have to push yourself to be the best you can be every single day. Don't settle for being a mediocre agent. Create a routine and stick to that routine every day. Follow through with your schedule even if you meet your sales goal early in the day. Push yourself to be even better. Some days something unexpected may fall into your lap...make sure you know how to prioritize and move on through your day. Create in yourself a STRONG work ethic.

2) Efficient - When your clients call you or text you, make sure you get back to them as soon as possible...and always make it that same day if at all possible. You want your existing clients to know that they are important to you, and you want potential clients to feel that you are the best one for them and they can trust you. A quick response time helps clients have faith in you. And when you tell a client you are going to handle something for them, do it as immediately as you can. Process your applications that same day. Build trust!

3) Listen - When you meet with a client or talk to them on the phone (especially when you are talking to them on the phone), make sure you are really listening to THEIR needs. Don't make your sales pitch about what puts the most money in your pocket. Make it about YOUR CLIENT'S ACTUAL NEEDS. Do they really only need a $5,000 life policy, then that is what you sell them. When you listen to your clients and have a good relationship with them, then these make the best repeat clients. They also make the best referrals. Word of mouth is a big component in the sales market. Let your clients know you are listening and that they can trust you so they will call you again.

4) Roll with Changes - The insurance market is constantly changing. Don't get stuck in your own ways to the point where you are not willing to change with the times. You want to always be ready to offer your clients what is best for them...which often means learning a new product or learning a new process. Don't get stuck in a rut.

5) Don't be afraid of "No" - When you hear "no," don't let it get you down. This is just a minor setback. Find a way to turn it into a yes or even a maybe later. You can always come back and try again at another time with this same potential client. Maybe they truly just are not ready YET. The best agents know how to come back with a stronger pitch more tailored to that specific person the second...or even third...time. Don't get defeated by that word No. Push through and let it fuel you for your next sales call. Move forward and let that one go for now. But, don't let it go for good just yet. Be persistent and try again another day. However, every Great sales agent knows when it is time to let that one go. You don't want to waste your time or your client's time. Always leave the door open.

6) Don’t try to be EVERYTHING to EVERYBODY - Be a pro agent at 1 or 2 markets...not a mediocre agent at everything. Find the products that most interest you and learn everything you can about those 1 or 2 markets. You want to be the kind of agent your clients can trust to know the right answers or to at least know where to go to get those answers. The most successful agents focus on their specialty markets.

Now is the time to be writing some new business with one of our many carriers. We have some excellent Agent Incentives right now...Cash Bonuses, Agent Referral Bonus, and Trips you could qualify for. If you are an Independent Life & Health Licensed Agent and don't already have a contract with us, now is the time to call before some of these incentives run out. Call 1-800-745-7121 and ask for Kelly. Also like and share our page!

Agent Sales Tips for Success:

When you are calling your prospects, don't sound overly excited or use a high-pitched sales voice. Keep your tone low and level. Be confident but not too assertive. You want to stay on their level and be matter of fact. Think about how you would handle a "sales" call when someone calls you using their high-pitched overly friendly voice. You typically hang up within a few seconds. Avoid this by keeping that low, even tone in your voice.

Also important...you are not selling them something. You are simply OFFERING them something they have already requested more information about. This is something they WANT. Keep that in mind in the way you present your information. Don't SELL it to them. OFFER it to them.

Use their first name when you call them. "Hi, Bob. This is Victor. I am calling you back regarding your request for more information about a new Final Expense plan available in your area..." Again, you are wanting to avoid the sales agent viewpoint. Keep them interested in your call by reminding them they REQUESTED this information and it will only take a moment to go over it with them.

If you are interested in more information on what our office has to offer YOU as an AGENT, give me a call at 1-800-745-7121.

What do a lot of insurance agents complain about? Leads. The key to working leads though is consistency and persistence.

You need to have a good script that has proven to work for you, and then stick with that script. Don't change it up every time you call on a different lead.

Don't give up after one failed attempt with any one lead. Call them again and remind them why they need this particular product. Remind them that they filled out the lead so somewhere in the back of their minds they must know they NEED this insurance.

And never be afraid to just show up on their doorstep with a friendly smile and a nice conversation starter. Bring the lead with you to help them trust you are who you say you are. Let them know you are selling this same insurance to their neighbors and others in their very same community. We all like reassurance.

And hold on to those leads. If they run cold after so many attempts, come back to them in a few weeks or even a few months. People's circumstances are constantly changing. You never know when it may be the "right" time for them to commit.

And if leads are not working for you, just go knock on some doors in the general area where you have had some successful sales in the past. Someone is bound to say yes before the day is over. 😉

Want great rates for Medicare Supplements? Call me today for a rate in your area. We also offer contracts to independent agents in MOST states in the USA. We are very competitive in rates and in commissions. Call 1-800-745-7121 today to learn more!

We have a GREAT Final Expense carrier who was recently released in Florida. Excellent rates. Very liberal underwriting. Point of sale underwriting. Electronic application with no phone interview. Give us a call today to learn more! 1-800-745-7121

We have some great agent incentives running right now! Call today to get your contract and be able to benefit from the extra cash for qualifying applications on Medicare Supplements. We have easy to use e-applications and allow you to sell this over the phone in order to adhere to social distancing protocols during these COVID times. You can reach me at 1-800-745-7121.

2021 is here! What better timing to add a new Medicare Supplement carrier to your portfolio! We are excited to hear from you.

Building rapport with your client is a very important component of your sales meetings. You should always be listening to your clients. Ask questions so you can better understand him/her. Assure them that you understand their particular situation and base your sale on what they actually need. It is also a good thing to remind them of the importance of the product you are offering to them. Remember, in most cases they are the ones who reached out to you, so at least some part of them knows this is important and is something they need.

We are already 5 days into 2021. What does your future look like? Are you ready to make a change and looking for a new carrier to present to your clients? We offer excellent contracts for Licensed Independent Agents in most states throughout the US for Final Expense, Traditional Whole Life, Term Life, Medicare Supplements, Medicare Advantage and Plan D Prescription Drug Plans. If you are ready to commit to a team ready to help make you more successful, give us a call at 1-800-745-7121!