Welcome to Our Website
With over 30 years in the industry, we are confident that we can help you take your business to the next level! Whether you are new to the business or a 20 year veteran, we are here to help. Take a moment to familiarize yourself with our exciting portfolio of carriers and products you will find that we only represent the best! Once you begin a relationship with Eldercare you will have access to nationwide quote engines, production reports, view company appointments, writing numbers in all states you are appointed just to name a few.
We offer customized lead programs, training from the best agents in the country, prospecting tools, contest incentives and much more. Our goal is not only to train you how to maximize your time doing what you do best, but also to build a relationship that last for many years to come. Our company is run by veteran agents that understand and respect what you need to be successful. You are not just a number to us! Call today and let us start working for you to ensure your continued success in the most booming industry in the country!
- When All Else Fails… Refer to the Golden Rule
You can spend a lot of time researching different ways to improve your sales- the internet is flooded with resources, articles, and newsletters. Scores upon scores of books have been written full of “secrets” and “tricks of the trade”. There is never anything wrong with exploring what’s available out there, and you never know what it will take to trigger that light bulb to go off in your head that will help you improve your customer relations… but is it possible it could all really get down to that one simple rule? That rule you’ve probably been hearing since childhood from your grandma, grandpa, mom or dad?
Sure, selling insurance is “business”, but who says business shouldn’t be mindful of that human element? Everyone wants to be treated with kindness, respect and importance and your clients are no different. Perhaps that genuine sense of caring is exactly what will set you apart from all of the other agents vying for their attention. Show your clients they’re important to you by answering their calls and being on time for meetings. Show them respect by listening to their needs and concerns. Show them kindness with a smile and desire to help. When the pressure of sales and need for improvement begins to rise, try not to miss the forest while you’re counting all the trees. Remember: sometimes the answer is getting back to the basics, and it doesn’t get much more basic than treating others as you would like to be treated.
- What is the “Cadillac Tax”? Simple Q&A
If you keep up with insurance industry news, you are sure to have seen “Cadillac Tax” articles and information coming into your inbox and on your social media news feeds; and if you’re like me, you’re wondering “What in the world is this really, and what is all the fuss about?” It’s been made clear that the debate over the new tax isn’t expected to go away any time soon- and may be a key issue for the new president in 2016. Check out the Q&A below for a fast and simple explanation of what all the buzz is about.
Q: What is the Cadillac Tax?
A: The Cadillac Tax is an excise tax (tax imposed on certain goods) that was passed with the Affordable Care Act. This tax is expected to begin in 2018 and will be imposed on amounts considered “excess benefits” of employer-provided insurance.
Q: What amounts will be considered excess benefits?
A: The government considers anything over $10,200 for an individual and $27,500 for families excess benefits. Limits are higher for pre-65 retirees or employees in high-risk professions: $11,850 for individual and $30,950 for families. Any benefit amount that exceeds these limits are considered excess benefits and will be taxed at the 40% rate.
Q: What is the government’s objective for this tax?
A: Healthcare costs rise across the board when medical services are overused, and overuse tends to happen the more robust a person’s benefit plan. By trimming down benefit plans, the economic relationship should reduce healthcare costs. The government also estimates a $250 million loss of tax revenue due to related health plan tax breaks. Additionally, payroll taxes are not imposed on employer-sponsored health plans which leads companies to beef up employee benefits instead of pay them a higher wage; the tax may encourage employers to raise wages instead.
Q: Why would opposing parties want this tax repealed?
A: Healthcare recipients are not be happy about getting reduced coverage and possibly higher premiums and deductibles. Business Groups and Labor Unions who have fought for increased employee health coverage also are not pleased with the imposition of the new tax.
Q: What is the cost of repealing the tax? How could those costs be offset?
A: The estimated cost over the next 10 years of repealing the bill is reported by the Congressional Joint Committee on Taxation to be anywhere between $87 and $91 billion. Opponents of the tax say that the cost can be recovered through other kinds of savings plans, like requiring drug companies to offer higher rebates to Medicare recipients.