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Business Opportunities
JR Financial LLC offers great opportunities Life and Health insurance agents or individuals looking to make a difference in people's lives while earning income. Agents play a crucial role in clients navigate their insurance needs, providing guidance on policy options and coverage. With a growing demand for insurance products services, these opportunities present ready-made solutions for agents. Additionally, agents can enjoy flexible work schedules and potential for building lasting relationships with clients.
Health Sherpa ACA Platform
HealthSherpa for Agents is a free platform that provides insurance agents with tools to manage their Affordable Care Act (ACA) business, including shopping, quoting, and enrolling clients in Marketplace plans.
It offers a streamlined process by syncing directly with Healthcare.gov, which reduces application time and eliminates the need for clients to log in to the government site. Key features include a customized enrollment website, a client management portal, provider and drug search tools, and the option to participate in the Enrollee Assistance Program (EAP) for potential compensation.
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Shopping and enrollment: Easily compare and enroll clients in Marketplace plans, with access to all carriers in the area.
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Healthcare.gov integration: Applications are automatically synced with Healthcare.gov, reducing application time and eliminating the need for clients to visit the government site.
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Key features for agents
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Client and lead management: Track client status, manage leads, and view a centralized dashboard of your ACA clients and leads.
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Branded enrollment site: Create a customizable, branded enrollment website for clients to self-enroll, with your National Producer Number (NPN) automatically applied to their application.
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Renewals: Access pre-filled renewal applications for existing clients.
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Document and payment management: Submit client verification documents and, in some cases, help clients make initial premium payments directly through the platform.
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Tools and resources: Utilize provider and drug search tools, and download eligibility letters and tax forms.
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Enrollee Assistance Program (EAP): Optionally enroll in this program to receive payment for qualifying enrollments by partnering with HealthSherpa on client assistance.
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Training and support: Access training resources, webinars, and a dedicated support team via chat, email, and phone.
Ethos Life Insurance Platform
Key features for agents
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Technology and platform: Ethos provides a 100% online platform with instant underwriting, designed to help agents close sales faster.
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Instant underwriting: Its proprietary underwriting platform provides instant decisions for most applicants by considering over 300,000 data points.
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Sales portal: A central hub for agents to track clients, manage applications, monitor performance, and access marketing materials.
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Product offerings: Allows agents to sell term and whole life policies from trusted, brand-name carriers.
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Client benefits: Agents can offer clients value-added benefits like free estate planning tools (e.g., legal will, trust, healthcare directive) with most policies.
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Training and support: Ethos provides free sales training, agent FAQs, and resources to help agents grow their business.
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High placement rates: The platform boasts high placement rates, with success rates of over 90% for a wide range of applicants.
Ethos provides a technology platform for licensed life insurance agents to sell policies online, offering a proprietary underwriting engine for instant decisions, a sales portal for managing clients, and free resources like estate planning tools and training.
The system allows agents to offer policies with up to
$2 million in coverage and is designed to be a modern, all-in-one tool for scaling their business and simplifying the application process for both agent and client.
Go from sign-up to activating your first policy in an hour, with 24/7 access to an account manager.
How it works
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Agent-to-consumer: Agents use the platform to send clients personalized links to apply online and receive instant quotes.
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Agent-assisted applications: Agents can assist clients directly through the same real-time underwriting platform.
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Technology-driven: Ethos acts as a producer and third-party administrator, handling the underwriting technology while carrier partners issue the final policies.