My training at Prudential in small group and individual health plans was fantastic. At that time, it was almost like taking orders. You would explain the benefits and employers would just say, “Sign us up!” The price was excellent, and my book of business grew.
One Sunday afternoon I attended a cocktail party at Stephanie’s work at South County Seniors (SCS). This was an annual event and all the staff from the Senior Centers in South Orange County attended with their spouses. The director of the organization, Marilyn D., was in attendance without her spouse. Apparently, her and Ken D. were getting a divorce. He was an insurance agent who volunteered time at the
I did learn of a few insurance companies that offered Medicare Supplement plans and provided training. My typical interview with a senior was my responding, “I don’t know, but I will find out.” Back then, there were no Medicare Advantage Plans, no HMO plans and Medicare would not be covering prescription drugs for another 20 years. I was a quick learner, and within a few months, I was volunteering one full day a month at
Nancy H. was the site manager at
Meanwhile, Prudential had moved their offices to
One day a little old lady came to the office and needed help. The staff just didn’t have the heart to send her away, and as they knew I was selling Medicare plans on the side (it was allowed), referred her to me. I got a policy for her (with more benefits and lower cost than the
My reputation and expertise were growing in the
Meanwhile, Nancy had changed employers and was now running the senior program for the
Meanwhile, back at Prudential, my group business and individual health business was diminishing. They started raising the prices and becoming less competitive. My time was getting spread too thin.
All my colleagues at mother Pru had business cards printed for free by the company with the office phone number on them. Except me. I had my home phone number printed on my cards, with call forwarding to the office line. When I left Prudential all I did disconnect the call forwarding, and I retained all my contacts. I continued to sell individual and small group for other companies as well as being an independent contractor for Prudential. Of course, I continued my volunteer work.
I worked from home and had office space in a friend’s secretarial service office when I needed face-to-face time. Most appointments were in people’s homes, and I stayed busy between training my staff at the two hospitals and taking appointments for frail people at their homes rather than at the Senior Centers.
TO BE CONTINUED