Fact Find Beyond Medicare: The Form Isn't the Sale. The Process Is

If your appointments start and end with Medicare, you're leaving most of the relationship on the table. While Joanna's out, Kevin Sword sits down with TopFlight lead agent Mario Ortega to walk through the fact finder that turns a Medicare appointment into a full retirement conversation. Mario covers his whole process: how he introduces himself at seminars so clients expect the bigger conversation, the personal questions that uncover hidden income and needs, and how to spot openings for long-term care, life insurance, critical illness and annuities without selling during the fact find. In this episode: Why your process matters more than any form Positioning yourself as a retirement advisor, not "just" a Medicare agent How asking about marriage, divorce or widowhood can uncover Social Security benefits worth $1,200 to $1,500 a month Reading the client: teachers, engineers, doctors and government employees The deductible and out-of-pocket question that shows when a Med Supp beats the work plan Using family health history and parents' longevity to guide cancer, critical illness and annuity conversations Long-term care without fear tactics, and why every AEP is another chance to bring it up How the Heartland home health plan fits clients with long medication lists Life insurance reviews: spotting accidental death coverage sold as "whole life," and partnering with estate attorneys Real client stories: the pension question behind a $500K rollover, and the $80K old IRA that became the "dumbest luck annuity" Hidden income such as dividends and high-yield savings interest that pushes clients into IRMAA surcharges Why you should always close the Medicare sale first Guest: Mario Ortega Host: Kevin Sword (filling in for Joanna Wyckoff) Insurance Business Babes is owned by Cmed LLC.