Guides for Health and Life Insurance Agents
Straight answers to the questions that come up every enrollment season, with the official source linked for every date and rule.
Updated
Compliance
Enrollment
Medicare
- Medicare AEP 2027: dates and an agent checklistThe Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7, 2026, and changes take effect January 1, 2027. During AEP, people with Medicare can join, switch or drop Medicare Advantage and Part D plans. The Medicare Advantage Open Enrollment Period then runs January 1 to March 31, 2027 for people already in a Medicare Advantage plan.2 min read
- Medigap Plan G vs Plan N: how to explain the difference to clientsMedigap Plan G and Plan N both leave the client responsible for the Part B deductible ($283 in 2026). Plan G covers the rest of Medicare-approved costs, including Part B excess charges. Plan N usually has a lower premium but charges copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission, and does not cover Part B excess charges.3 min read
Final expense
Sales
- How to present insurance quotes to clients (without screenshots)Present two or three options, not every plan you quoted. Put them side by side with the monthly cost, what the client pays when they use the coverage, and the one or two details that matter to this client, such as their doctors or medications. Add your recommendation, combine related coverage into packages, and send it as one link the client can open on their phone.2 min read
- How to follow up on an insurance quote: timing and scriptsFollow up the same day you send a quote, again within two days, and again before any enrollment deadline. Each follow-up should add something: answer a likely question, simplify the choice, or point to a date. Use text for quick check-ins, a call for decisions, and automate reminders so no quote goes quiet.2 min read
Quote, present and follow up in one place
QuoteDeck quotes ACA, Medicare, life, final expense, dental, vision and supplemental plans and sends one branded presentation your client can read.