MedSupp runs on T65 prospecting, birthday rule timing, and multi carrier rate comparison. ALE tracks turning 65 prospects, birthday rule windows, carrier rate increases, and the rate shop cadence that keeps clients on your book for a decade.
MedSupp has the longest client lifetime in insurance. A T65 client who stays with you pays commissions for 15 to 25 years. Lose them in year 2 to a rate shopper and you lost $5,000 to $15,000 in future commission. ALE keeps them on the book.
T65 leads are most reach able 3 months before turning 65. Miss the window and they are on an MA plan or locked into a competitor MedSupp.
California, Oregon, and others have birthday rule rate shops. Without tracking, your clients get poached at the right moment.
Carriers push rate hikes annually. Without proactive rate comparison, your book is ripe for competitors every December.
Every T65 prospect has a DOB and a turning 65 date. Touch cadence fires at 6 month, 3 month, 30 day windows.
State specific birthday rule windows tracked per client. Pre window rate shop task fires 14 days out.
Carrier rate increases tracked. Clients with rate hikes get a proactive rate shop call task.
Clients in area with new strong MAPD plan get a Medicare review appointment task. Protect the household.
October 15 to December 7 is a cross sell window even for MedSupp clients. Review Part D plans, standalone dental, hospital indemnity.
TPMO call recording, scope of appointment, PTC tracking, marketing disclaimers automated per CMS rules.
Buying turning 65 direct mail leads. Need T65 tracker, call cadence, and compliance built in.
California, Oregon, Missouri, other birthday rule states. Need window tracking and rate shop automation.
Writing 6 to 15 MedSupp carriers. Need rate monitoring, placement logic, and carrier specific compliance workflows.
Writing both. Need MAPD AEP workflow plus MedSupp year round prospecting without crosstalk.
T65 tracker, MedSupp pipeline, SMS, review generation. Good fit for solo MedSupp agents under 200 apps per year.
Add AI receptionist, power dialer, TPMO recording compliance, multi carrier rate monitor. Standard for 300+ apps per year.
Book a 20 minute demo. We will walk through T65 tracking, birthday rule windows, and rate shop automation.