Health Commissions on Shaky Ground? How Cross-Selling Life Insurance Can Safeguard Your Income in 2025 and Beyond.
- Peter Goldfine
- 3 days ago
- 3 min read
A Practical Guide for Health & Medicare Agents with Real-World Tips from InTouch Financial Group
Why Every Health Insurance Agent Should Start Cross-Selling Life Insurance Now—Before the Industry Shifts Leave You Behind.
If you're a health insurance or Medicare agent, you've probably felt it—the winds are changing. Between CMS policy delays, carrier shakeups, and growing regulatory uncertainty, many agents are asking the same question:
“How can I protect my income and stay ahead in this unpredictable market?”
The answer? Cross-selling life insurance.
It’s one of the most overlooked strategies for increasing income, deepening client relationships, and future-proofing your business. And with support from a team like InTouch Financial Group, it’s easier than ever to add life insurance to your portfolio—even if you’ve never sold it before.
Let’s break down why now is the perfect time to start cross-selling life insurance, how it supplements your income, and the support available to help you succeed.
Why Life Insurance is a Smart Add-On
When you add life insurance to your offerings, you create a new revenue stream that is:
Less regulated and volatile than ACA or Medicare
Commission-rich, often 70%–100%+ on first-year premiums
Perfectly positioned to meet your clients' needs
Think about it: your health insurance clients already trust you with their wellbeing. Why not help them secure their family’s financial future too?
Here’s an example:You enroll a 65-year-old client into a Medicare Advantage Plan. Now imagine offering them a $15/month final expense policy to cover burial costs. That simple upsell could earn you $400–$600+ in commission—with zero lead cost and just one more conversation.
Cross-Selling is Easier Than You Think
You don’t need a separate appointment or a polished sales pitch. Life insurance fits naturally into the conversations you’re already having. For example:
During ACA or Medicare Enrollment:“Now that we’ve got your health plan squared away, let me ask—have you thought about how your family would handle final expenses if something happened to you?”
When Reviewing a Household’s Coverage:“You’re doing a great job protecting your health. Let’s also look at protecting your income and your loved ones.”
For Parents & Grandparents:“Did you know you can leave a tax-free gift to your children or grandchildren for just a few dollars a month?”
These aren’t hard sales—they’re smart conversations. Your clients will thank you for thinking about the bigger picture. Whether you’re brand-new to life insurance or just need help closing more policies, our support team will walk you through everything step by step. You’ll never be left to figure it out alone.
The Real Value: Lifetime Clients, Not Just One-Time Sales
When you add value beyond a single policy, clients stick with you longer and refer others. That leads to:
More policies per household
Higher retention
More referrals
A steady stream of renewals and residuals
Life insurance doesn’t just pad your income—it builds your brand as a trusted, full-service advisor.
Don’t Know Life?
That’s What We’re Here For
Let’s be honest: many agents avoid cross-selling life because they feel unprepared. The underwriting, quoting tools, and terminology can feel overwhelming.
That’s where InTouch Financial Group comes in. We provide:
One-on-one agent training
Simplified quoting platforms
Turnkey marketing materials
Access to top-rated life carriers
Real-time sales support
Why Agents Choose InTouch Financial Group
We’re not just another FMO—we’re your growth partner. Here’s what sets InTouch apart:
Hands-on mentorship from top-producing agents
Marketing tools to help you educate and convert
Bilingual support to serve diverse communities
Weekly trainings focused on real-world sales strategies
Responsive agent support so you’re never left hanging
We invest in you—because your success is our success.
Ready to Future-Proof Your Career?
The agents who succeed in the next 12–24 months will be the ones who adapt now.
If you want to protect your income, expand your product line, become a more complete advisor, and get unmatched support while you grow...
It’s time to cross-sell life insurance. And there’s no better place to start than with InTouch Financial Group.
Let’s Get You Selling Life This Week
Already contracted with us? Reach out to your upline or our agent support team to schedule your personal life cross-sell training.
Not yet working with InTouch? Let’s change that! Click below to book a quick intro call and learn how we can help you grow: CLICK HERE
Final Thought
You don’t have to face market uncertainty alone. And you don’t have to leave money on the table anymore. With the right strategy and support, you can turn every appointment into a long-term income opportunity.
Let’s build your future together.
Let InTouch Financial Group be your foundation.
WORK WITH US! CLICK BUTTON BELOW TO GET STARTED:
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