Brian Forbes Sr. is a retired U.S. Navy veteran who now works as a teacher and part-time insurance salesman. He has been helping seniors with their insurance needs for the last 8 years. He is licensed to sell insurance in multiple states so he can help customers all over the United States. He enjoys assisting seniors and ensuring they have the best insurance plans at affordable prices.

1. Hi, I am Brian Forbes Sr. I retired fromHi, I am Brian Forbes Sr. I retired from
the United States Navy after 24 yearsthe United States Navy after 24 years
of proud service. Married and twoof proud service. Married and two
handsome boys ( I wanted to post myhandsome boys ( I wanted to post my
wife’s picture, but she wouldn’t have itwife’s picture, but she wouldn’t have it
) .) .
I became a Teacher and Part timeI became a Teacher and Part time
Insurance salesman for the last 8 yearsInsurance salesman for the last 8 years
and I love helping people, especiallyand I love helping people, especially
the seniors.the seniors.
To know more about me visit myTo know more about me visit my
Brian Forbes Sr.
America Senior Savings
brian@americaseniorsavings.com
http://www.americaseniorsavings.com
Welcome!!!Welcome!!!
800-465-9914

2. BACKGROUND…
RETIRED U.S. NAVY VETERAN

5. • WHY DO I HAVE LICENSES IN DIFFERENT STATES?
• BECAUSE MY CUSTOMERS ARE ALL OVER THE UNITED STATES!!!!
• YOU SEE CARRIERS THAT ARE IN ANOTHER STATE, ARE FREQUENTLY
ENTERING OTHER STATES TO INCREASE COMPETITION, THAT IS AN
ADVANTAGE THAT I MIGHT HAVE OVER LOCAL INSURANCE AGENTS.
• AND I ALWAYS STAY IN TOUCH WITH MY CLIENTS, YEAR AFTER YEAR, I DO NOT
DISAPPEAR LIKE MANY AGENTS DO. WHEN I FEEL THAT THERE IS A BETTER
OFFER, I ALWAYS GET IN TOUCH WITH MY CLIENTS AND LET THEM KNOW.
• MANY OF MY CLIENTS, ALSO HAVE OTHER INSURANCE PRODUCTS WITH ME,
LIKE FINAL EXPENSE IN CASE OF THEIR PASSING AND DO NOT WANT TO
BURDEN THEIR LOVED ONES FINANCIALLY. OTHERS HAVE BOUGHT A GERBER
– GROW UP PLAN FOR THEIR GRANDCHILDREN.. IT IS A LEGACY FOR THEIR
FUTURE THAT THEY CAN USE FOR COLLEGE, OR SOMETHING POSITIVE TO
START THEIR NEW JOURNEY AWAY FROM HOME.

6. IN CASE YOU DID NOT KNOWIN CASE YOU DID NOT KNOW
THEY ALL ARE REGULATED BY FEDERAL AND STATE
LAWS
THEY ALL ARE REGULATED BY FEDERAL AND STATE
LAWS
THEY ALL OFFERED THE SAME BENEFITS SPECIFIC TO
THE PLAN

8. SO I GUESS THE QUESTION IS THAT IF ALL
MEDIGAP (OR MEDICARE SUPPLEMENTS) OFFER
THE SAME BENEFITS AND PAY THE SAME BILLS ,
THEN THEY ALL HAVE THE SAME PREMIUM,
RIGHT?
NO, THEY DO NOT!!!
WHY?

9. BECAUSE THE INSURANCE COMPANIES PRICES
ITS MEDIGAP PLANS IN THREE WAYS:
• UNDER A COMMUNITY-RATED OR NO-AGE-RATED PLAN, ALL BENEFICIARIES
PAY THE SAME MEDIGAP COSTS AND PREMIUMS, REGARDLESS OF AGE.
• IN AN ISSUE-AGE-RATED OR ENTRY-AGE-RATED PLAN, MEDIGAP PREMIUMS
ARE BASED ON YOUR AGE WHEN YOU FIRST ENROLL.
• UNDER AN ATTAINED-AGE-RATED PLAN, YOUR MEDIGAP PREMIUMS ARE
BASED ON YOUR CURRENT AGE IN A GIVEN YEAR. PREMIUMS WILL GO UP AS
YOU GET OLDER.

10. MOST PEOPLE ONLY HEARD ABOUT 2-4 COMPANIESMOST PEOPLE ONLY HEARD ABOUT 2-4 COMPANIES
THAT SELL MEDICARE SUPPLEMENTTHAT SELL MEDICARE SUPPLEMENT
THEY ARE DOZENS OF COMPANIESTHEY ARE DOZENS OF COMPANIES
AND THEY ARE COMPETING FOR YOUR
BUSINESS

11. AND THESE COMPANIES ARE GOOD
COMPANIES WITH GOOD RATINGS
THEY JUST DON’T SPEND MILLIONS IN ADVERTISING, SO THEY HIRE
INDEPENDENT AGENTS LIKE US TO INTRODUCE THE PRODUCTS.

13. • THIS IS WHY IS GOOD TO HAVE A GOOD AGENT
WORKING FOR YOU.
• YOUR PREMIUM DOES NOT INCREASE BECAUSE
YOU HAVE AN INSURANCE AGENT
• IT IS LIKE HAVING A PERSONAL ADVISOR FOR
FREE FOR YOUR HEALTH PLANS NEEDS!
• A GOOD AGENT WILL ENCOURAGE YOU TO
RESEARCH FIRST BEFORE COMMITTING!
• AND WE SHOP FOR YOU! THE BEST PLAN FOR
YOUR MONEY!!

14. WHY PAY MORE WHEN YOUWHY PAY MORE WHEN YOU
DON’T HAVE TO?DON’T HAVE TO?
USE THAT MONEY TO SUPPLEMENT YOURUSE THAT MONEY TO SUPPLEMENT YOUR
PRESCRIPTION DRUG PREMIUM!!!PRESCRIPTION DRUG PREMIUM!!!
USE THAT MONEY TO SUPPLEMENT YOURUSE THAT MONEY TO SUPPLEMENT YOUR
PRESCRIPTION DRUG PREMIUM!!!PRESCRIPTION DRUG PREMIUM!!!

15. • SOME PEOPLE ASK THE FOLLOWING QUESTION:
• CAN I CHANGE MY MEDICARE SUPPLEMENT PLAN AT ANY
TIME? IS IT LEGAL?
• THIS IS A QUOTE FROM THE MEDICARE.GOV WEBSITE
• “YOU DON'T HAVE TO WAIT A CERTAIN LENGTH OF TIME
AFTER BUYING YOUR FIRST MEDIGAP POLICY BEFORE
YOU CAN SWITCH TO A DIFFERENT MEDIGAP POLICY.”
• https://www.medicare.gov/supplement-other-insurance/when-can-i-buy-medigap/switching-plans/switch-
medigap-.html#collapse-2297

16. DO I QUALIFY TO GET A NEW MEDICARE
SUPPLEMENT PLAN?
• IF YOU HAVE A MEDICARE SUPPLEMENT NOW, THAT
MEANS YOU WERE APPROVED.
• HOWEVER, IF YOU HAVE HEALTH ISSUES AFTER YOU
BOUGHT THE MEDICARE SUPPLEMENT PLAN, THERE IS A
CHANCE THAT YOU WILL NOT BE APPROVED.
• I HAVE PLACED A LINK BELOW THIS VIDEO SO YOU CAN
LOOK AT THE HEALTH QUESTIONS. IF YOU ANSWER “YES”
TO ANY OF THOSE QUESTIONS, YOU MAY NOT QUALIFY.