Advertise on podcast: The Broker Link

In this episode of The Broker Link Podcast, Mike Smith and Josh Slattery break down the key updates from the 2027 CMS Medicare Final Rule and what it means for agent partners. One of the biggest headlines is the rate increase for Medicare Advantage plans, rising from 0.9% to 2.48%, which injects approximately $13 billion into the system. While this funding boost is significant, it will likely influence product design, including potential reductions in certain non-essential supplemental benefits. The discussion also highlights the codification of the Inflation Reduction Act provision that caps out-of-pocket prescription drug costs at $2,100, providing greater financial protection for beneficiaries. From a compliance standpoint, several important changes are addressed. The removal of the 48-hour waiting period for Scope of Appointment and the reduction of call recording retention requirements from 10 years to 6 years are expected to streamline agent workflows while maintaining regulatory standards. The episode also explores the evolving focus of Star Ratings, with a shift toward clinical outcomes and away from administrative measures — signaling a broader move toward quality of care and patient results. The Brokerage Inc. will continue to keep you informed about CMS changes for 2027.  Visit our website, www.thebrokerageinc.com to learn more. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link Podcast, Cristal Bustillos introduces Colby Cox, the new Director of Sales in the Life Department at The Brokerage Inc. Colby shares his background, from his Texas roots and time at Texas A&M University to his transition from coaching into the insurance industry. He discusses his first few weeks in the role, with a strong focus on growing the brokerage's presence in life insurance and annuities. Throughout the conversation, Colby emphasizes the importance of truly understanding insurance concepts rather than focusing solely on specific products. He encourages agents to build a strong foundation of knowledge so they can better serve their clients and grow their business. Colby also makes it clear that he is here as a resource — committed to supporting agents, answering questions, and helping them succeed in the life and annuity space. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link Podcast, Mike Papuc and Danielle Tworek sit down with Luis Moreno, owner of Simply Health Insurance, to discuss his 25-year journey in the insurance industry. Luis shares how he first obtained his life and health insurance license in 1999 while transitioning from a career in teaching. Over the years, he built experience across multiple areas of the industry, including time in the military and working with Mutual of Omaha before launching his own Farmers Insurance agency in 2001. As the market evolved, Luis expanded his business to include Affordable Care Act marketplace plans and Medicare in 2014, helping clients access comprehensive health coverage while continuing to grow his agency. Luis also discusses his passion for mentoring new agents. Through his YouTube channel and the Skool platform, he provides training and support to help agents build confidence and develop their businesses. His advice for new agents is simple: get contracted now, invest in training, and offer a full range of insurance solutions so clients can rely on you as a trusted advisor. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

In this episode of The Broker Link Podcast, Regional Sales Directors Cynthia Rosales and Leigha Hayes break down one of the most common questions agents face: Medicare Supplement vs. Medicare Advantage plans. The conversation begins with Original Medicare, which typically covers about 80% of approved medical costs, leaving beneficiaries responsible for the remaining 20%. Cynthia and Leigha explain how Medicare Supplement Plan G can help fill that gap by providing predictable coverage for many out-of-pocket expenses. They discuss guaranteed issue opportunities for Medicare Supplement plans, including when individuals turn 65 or transition off employer group coverage. While Plan G benefits are standardized across carriers, premiums can vary — with typical monthly costs for a 65-year-old female ranging between $100 and $200 depending on the carrier and location. The episode also explores Medicare Advantage plans, which often feature $0 premiums but require copays and cost-sharing when services are used. These plans may also bundle additional benefits such as prescription drug coverage, dental, vision, and hearing services. Cynthia and Leigha emphasize that both Medicare Supplement and Medicare Advantage plans include out-of-pocket maximum protections, helping beneficiaries manage financial risk while choosing the coverage option that best fits their healthcare needs and budget. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! Linkedin: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In this episode of The Broker Link Podcast, Chris Newberry and Cristal Bustillos break down essential business insurance strategies every advisor should understand — and every business owner should implement. The conversation centers on key person insurance and buy-sell agreements, two critical tools for protecting business continuity. Key person insurance provides financial stability to a company if a vital employee or owner passes away, helping offset lost revenue and operational disruption. Buy-sell agreements, when properly funded with life insurance, ensure smooth ownership transitions and protect both partners and families from financial uncertainty. Chris and Cristal emphasize the importance of proactive planning and discuss how complementary business valuations help owners understand their true exposure and funding needs. They also explore worksite marketing opportunities, available to businesses with as few as 15 employees. With guaranteed issue options and portable coverage, these policies offer meaningful benefits to employees and their families — while creating strong revenue opportunities for agents. Additionally, the episode covers disability insurance, including income protection and business overhead expense coverage — critical safeguards that protect both personal paychecks and company operations. Whether you're advising business owners or looking to grow your book of business, this episode highlights why business insurance planning is not only essential for clients, but also a highly profitable line of coverage for agents. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In this episode of The Broker Link, host Mike Papuc sits down with Jessica and Sabin Lopez to share the inspiring story behind the launch of Texas Power Insurance. They reflect on their early days in the industry, the challenges they faced, and the defining moment in 2021 when they made the bold decision to start their own agency. A major theme throughout the conversation is the importance of having the right partner—someone who shares your values, work ethic, and long-term vision. Jessica and Sabin emphasize that success isn't just about production. It's about loyalty, trust, compliance, and a commitment to educating both brokers and clients. They share the sacrifices required to build something meaningful—long hours, missed personal moments, and the discipline needed to stay focused on the bigger picture. Their message to aspiring agency owners is clear: Have a strategy. Stay disciplined. Surround yourself with the right support system. And don't underestimate the power of faith and perseverance. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link, Crystal Bustillos and Chris Newberry explore a variety of insurance solutions under the theme "Insure Your Love Month," focusing on products that help protect families, legacies, and financial security. They begin with final expense insurance, highlighting its simplicity and accessibility. These policies help cover funeral costs and outstanding debts, with coverage options up to $50,000 for simplified issue and $25,000 for guaranteed issue, making them an approachable solution for many clients. The conversation also introduces the Gerber Children's Grow-Up Plan, which allows families to secure life insurance early, with the face amount doubling at age 18 without a premium increase—a long-term planning tool that offers lasting value. Crystal and Chris discuss the importance of long-term care insurance, whether as a standalone policy or an add-on, emphasizing the high likelihood of future care needs and the financial strain it can place on families. Additional products covered include term life, whole life, IUL, universal life, annuities, disability insurance, and life settlements, giving agents a broad perspective on how to tailor coverage to meet clients' evolving needs. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link, David Ireland and Scott Christie share valuable insights on how Medicare-focused agents can successfully grow their businesses into full-service agencies. The discussion explores two primary growth models. The traditional independent agent model focuses on building a team by hiring back-office support and recruiting independent agents to expand production. The Licensed Agent of Agency (LOA) model takes a different approach by hiring employees who work under the agency while earning a base salary combined with commission opportunities. David and Scott emphasize the importance of maintaining ownership and control of client relationships while implementing technology solutions to effectively manage client data and communication. They also highlight the opportunity for agents to strengthen their business by cross-selling additional products such as hospital indemnity, long-term care, and other supplemental coverage options. The conversation reinforces the importance of establishing a strong business foundation, including forming an LLC and creating clear operational structures. Agents are encouraged to leverage brokerage partnerships for resources, training, and operational support to accelerate growth and long-term success. This episode provides practical guidance for agents looking to transition from individual production to building scalable, sustainable agencies. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link, Chris Newberry is joined by Sherry Kelson and Cristal Bustillos to recap a standout year for the Life team and preview what's coming next. The conversation highlights 2025 as a milestone year—ranking as the second-best year in Life sales and the best year ever for Final Expense and Annuities. The team credits this success to agent engagement, diversification, and a strong focus on education and support. Looking ahead to 2026, several exciting initiatives are on the horizon. The team reintroduces the Life Bonus Program, designed to reward agents based on production, along with Brokerage Bucks, which allows agents to earn credits simply by submitting business. They also discuss the rollout of the Firelight platform, which will streamline quoting and submissions to improve efficiency and ease of use. Ongoing education remains a top priority, with plans for monthly webinars, personalized training sessions, and the introduction of a customized life insurance menu to better support agents and their clients. The episode also reinforces the importance of diversification, encouraging agents to expand into annuities, long-term care, and other complementary products. This episode is a must-listen for agents looking to build on 2025's momentum and position themselves for continued growth in 2026. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

In this episode of The Broker Link Podcast, Mike Papuc and Sonia Porras take a deep dive into UnitedHealthcare's growing role in the ACA market and what it means for agents and consumers. As a top-five Fortune 500 company, UHC continues to expand its footprint across multiple product lines, leveraging robust data and analytics to design plans that better meet member needs. The conversation highlights how UHC uses data to inform healthcare delivery while addressing social determinants of health, helping improve access, outcomes, and long-term member satisfaction. Mike and Sonia also discuss the potential impact of expiring enhanced premium tax credits, noting how consumer behavior may shift from Silver plans toward Bronze or Gold options as affordability becomes a key factor. A key focus of the episode is UHC's value-based care partnership with Sanitas in the San Antonio market, which brings primary care, preventive services, and specialty care together under one roof for a more integrated member experience. The episode wraps with encouragement for agents to diversify their portfolios, stay informed during market uncertainty, and continue delivering exceptional service to clients navigating ACA decisions. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

In this episode of The Broker Link Podcast, the focus is on the Medicare Advantage Open Enrollment Period (OEP), which runs from January 1 through March 31. Josh Slattery breaks down what OEP means for both beneficiaries and agents, emphasizing that this window allows Medicare Advantage members to make a one-time plan change if their current coverage no longer meets their needs. The discussion covers key effective dates—and clarifies important marketing and compliance guidelines. While agents cannot actively urge beneficiaries to enroll during OEP, general marketing and education remain permitted. Josh also highlights the importance of retail presence and community outreach, particularly for members experiencing buyer's remorse after AEP. He provides historical context on OEP, noting its reintroduction in 2019, and clarifies that standalone Part D plans are not included during this period. This episode equips agents with the knowledge they need to stay compliant, support their clients effectively, and identify meaningful opportunities during OEP. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

In this episode of The Broker Link, Gillan Boyer and Josh Slattery unpack the proposed CMS 2027 rule and what it could mean for agents, consumers, and the future of the insurance industry. The discussion highlights a clear shift toward deregulation, with several proposed changes aimed at reducing administrative burden while increasing flexibility for both agents and consumers. Key topics include updates to Special Enrollment Period (SEP) rules, allowing plan changes when providers leave a network, and the removal of the 12-hour delay between educational and marketing events. Gillan and Josh also break down proposals to shorten record retention requirements for call recordings, simplify TPMO disclaimers, and eliminate certain low-value compliance requirements. The conversation explores how these changes could give agents more time to focus on what evidence shows matters most — educating and serving clients. Additionally, the episode covers proposed updates to the Stars program and discusses the long-term impact of making IRA changes permanent, particularly regarding Part D cost structures. Overall, the proposed 2027 rule signals a meaningful shift in CMS's approach — one that industry professionals are cautiously optimistic about as it moves toward a more practical, agent-friendly regulatory environment. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In this episode of The Broker Link, Gillan Boyer and Chris Newberry explore the headline-grabbing lawsuit filed by NASCAR driver Kyle Busch, who is suing Pacific Life Insurance for $8.5 million. Busch alleges that his index universal life (IUL) policy was designed to over-compensate the agent, ultimately hurting the long-term performance of his plan. Chris breaks down what's actually happening behind the scenes and offers clarity for advisors who may be fielding client questions. He emphasizes that IUL remains a strong and effective product when designed properly — and that this case appears to stem from the agent's compensation structure, not the integrity of Pacific Life. The conversation reinforces a key message for agents: 👉 Good advisors put client needs first. When policies are structured for the client — not the commission — performance, trust, and long-term relationships thrive. A timely, educational episode that reminds the industry to stay focused on ethics, transparency, and client-first solutions. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In this episode of The Broker Link, National Health Sales Director Mike Papuc breaks down what agents can expect heading into the 2026 Open Enrollment Season — especially in light of the final CMS rules. With rising demand for alternate solutions outside the ACA market, Mike introduces Presidio Healthcare, a new carrier partner now available in Texas. Mike is joined by Cameron Mason, COO of Presidio, who shares insight into their flagship offering: The Fortress Plan, a non-ACA solution created to provide more affordability and flexibility for consumers. The plan features a $0 deductible, 50% coinsurance, and low max out-of-pocket options ranging from $2,500–$10,000. It also includes benefits for specified diseases and accidents, and offers maternity coverage with a $5,000 deductible during the first year. Presidio has aggressive growth plans, aiming to expand into 5–10 states by 2026, giving agents more tools to serve clients effectively in a shifting health insurance landscape. Mike emphasises that understanding and offering alternate solutions will be crucial as agents prepare for another dynamic enrollment season. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In this episode of The Broker Link, Mike Papuc, National Health Sales Director at The Brokerage Inc., sits down with Breck Garrett, Texas Leader for Oscar, to explore the company's rapid growth and forward-thinking strategy in the ACA marketplace. Oscar has surged past 2 million members and is preparing to expand into 20 states by 2026, including new markets like Alabama and Mississippi. Breck shares how Oscar is differentiating itself by designing personalized plans tailored to specific health needs — including solutions for diabetics, menopausal women, and other unique member populations. The conversation also highlights Oscar's new AI-powered member support platform, Oswell, built to deliver faster answers, smarter navigation, and a more intuitive experience for members. With a Net Promoter Score in the low 60s, Oscar continues to lead the way in member satisfaction. Agents will also appreciate Oscar's enhanced broker portal, offering real-time performance tracking and actionable insights to help partners grow and support their clients more effectively. This episode is a must-listen for agents looking to stay ahead of ACA trends and understand where the market is headed. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/