Commission Protection Alert

Commission Protection Alert:

2024 Mark Your Calendar

At Commission Solutions we are commission protection professionals. Our Mission is to educate and then help health insurance professionals develop ways to protect their commissions. As the AEP and Open Enrollment seasons are about to take over the lives of health insurance professionals, it is easy to get sidetracked when thinking about how to develop a plan.

Let us put a place holder in your January calendars to look at your plans to protect your commissions while active. With the amount of education out there on commission protection and even on selling someday, we hope you will make 2024 the year to implement a plan to protect your commissions in ALL life events. One plan can cover protection and an eventual sale at your timing.

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LTCi News for California 

As a wave of older Americans face the real possibility of needing long term care, the California legislature is considering funding a modest amount of state-provided long-term care (LTC) coverage. There are many questions about what the legislation might include if it is enacted. The nation’s most populous state has taken preliminary steps to explore the possibility of offering a long-term care benefit but there is still a long way to go. A feasibility report, commissioned by the legislature, was released in its final draft form on December 14, 2022. An actuarial report with additional specifics on cost and financial viability will be released in late 2023. 

This information may help individuals interested in exploring their private LTC insurance options. 

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Add Expert Social Security Advisory To Your Business 

As the leading eLearning platform for expert Social Security education and training, Registered Social Security Analysts (RSSA) partners with financial professionals including accountants, financial planners, retirement specialists, health insurance professionals and more. 

This is a unique value proposition for your clients as Social Security advisory is a specialized and in demand service to offer. 

Nearly all of your clients will qualify for benefits. However, the rules are very complex, and the vast majority of claimants (96%) do not maximize their benefits. 

Professionals who specialize in a niche offering such as Social Security advisory find success by differentiating themselves from competitors, increasing profits, and delivering a valuable service to clients. 

Differentiate yourself and your business 

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Supercharge Your Pre-AEP Marketing and Communications 

Be ready to engage with your clients and grow enrollment 

By Austin Felch 

The Annual Enrollment Period (AEP) is the pinnacle of the year for independent insurance agents selling Medicare plans. With millions of Medicare beneficiaries to serve and intense competition in the market, it’s crucial to be well-prepared. Don’t wait until October 1 to kick start your efforts! In this article, we’ll explore powerful pre-warming activities that will help you stand out, engage your target audience, and optimize your success during AEP. 

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Fourth Quarter Prep Planning … 

Solve Client Issues: Collaborate with a Subject Matter Expert 

How Health Insurance Professionals Can Find Collaborative Partners 

By Danny Wexler 

Successful health insurance professionals reach out to specialists to find the right solution when their client’s issues are outside of their expertise. These professional specialists, called Subject Matter Experts (SMEs), solve client issues using their expertise to collaborate with other professionals. 

What I have seen over and over in my planning work as an attorney is that clients are concerned about three things: 

 1)How to not outlive their savings in retirement; 

2)How to get the best coverage for medical expenses; and 

3)How to save every dollar in taxes and fees. 

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Nine Services to Offer as an Employee Benefits Broker 

Lean on your General Agency to help build offerings of popular services 

By Alex Strautman 

To compete more effectively as an insurance broker in today’s marketplace, it’s important to offer services your prospects and clients want – and need. This article presents highly desirable programs and services you may want to consider. 

1 : Shop the Market 

Everyone wants to know they are getting the most value for their health care premium dollar. You can use technology – like Word & Brown’s WBQuote platform –to show your clients a comparison of available plans. Our proprietary quote engine helps you compare their current plan(s) against different renewal options. We even highlight plan differences, so your clients can see how plans stack up against one another. 

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Level-Funded Health Plans:

A Broker’s Guide to Combat Rising Health Insurance Costs for Employers

By Mike Lambert

In an era marked by soaring healthcare costs and uncertainty, insurance brokers face the challenge of guiding their employer clients through a complex benefits landscape. With a median health care cost increase of 7% projected for 2024, employers are desperate for solutions that offer affordability and flexibility. This is where level-funded health plans come into play, offering a financially sustainable and customizable option. Here’s why brokers should have this option at the top of their recommendation list.

The Rising Tide of Healthcare Costs:

A Broker’s Concern The Inflation Equation

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  • Oct. 05, 2023, 11:30 AM – 12:30 PM,“What Advisors Should Know About Leave Laws & Benefits Under Federal and CA Law   1 HR. CE Credit – Presented by Marilyn Monahan Register    
  • Oct. 12 2023 11:30 AM – 12:30 PM,  “What Advisors Should Know About Benefit Captives  1 Hr. CE Credit –  Presented by Dave Fear Sr. Register
  • Oct. 19 2023 11:30 AM – 12:00 PM,  “What Advisors Should Know About Open Enrollment  1 HR. CE Credit – Presented by Marilyn Monahan Register
  • Oct. 25, 2023 03:30 PM, “NABIP Power Hour! Register


  • Oct. 5-6, NAIFA-California’s 2023 Career Advancement Conference, e3, to EMPOWER, ENGAGE, and EXPLORE, Humphreys Half Moon Inn, 2300 Shelter Island Drive, San Diego, CA Register  
  • Oct. 8-10, 2023 SIIA National Conference, JW Marriott Desert Ridge, Phoenix, AZ Register  
  • Oct. 22–24, LIMRA Annual Conference, Gaylord National Resort & Convention Center, National Harbor, MD  Register  
  • Oct. 31- Nov. 2 ITC InsurTech Connect, Las Vegas, NV Register   


  • January 22, 2024, 10:00 AM – 5:00 PM, CAHIP Innovation Expo, Register
  • March 25-27, 2024, Ellevate Women’s Leadership Summit 2024, JW Marriott Las Vegas, 221 N Rampart Blvd, Las Vegas, NV Register  
  • May 6-8, 2024, CAHIP, Capital Summit, Kimpton Sawyer Hotel, 500 J Street, Sacramento, CA Register