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LRC and Associates


 Now With Automatic-Claims Filing (ACF)

Discover How Adding One Product That People Want And Need To Your Portfolio Can Have You Receiving Perpetual, Recession-Proof Paychecks For Years And Years To Come. 

And We'll Help You Every Step Of The Way.....


Now Available


Taking the Paper out of Paperwork!

Now you can submit business right from your PC, Iphone or Ipad.  With the new iGO e-App available from our MedSupp Carrier you can submit business electronically.  You can use it instead of paper applications while meeting with your clients face-to-face or over the phone.  

They have also arranged a deep-discount for a screen sharing program if you'd like to use that as well (optional).  This allows you to email an invitation to your clients to connect to your PC.  You can then show them whatever presentation you'd like (we have a laptop presentation that would be perfect for this).  Then you can take them through the online e-App.

Licensed in mulitple states?  Great!  It may just be time for you to branch out.  You can use iGO e-App in any state your are licensed and appointed with the company in (not all states are set up yet - check with me to be sure).

To learn more, request your initial Agent's kit complete with access to our agents-only web page: Click Here.



It's All About Helping Your Senior Clients and Propects While Earning First Year Repeating Renewals (and the Referrals)!
Sell it once and keep on earning.




I've said it before and I'll say it again...........one of the greatest things about our industry is "renewal commissions."

With our Medicare Supplements it's even better because it's a GENEROUS LEVEL COMMISSION. You get the same percentage in year 2 and forever (as long as they keep it) as you do in year 1.  It's like a new sale every year (except you don't have to sell it again).  So even if you only write 5 Med Supps per year in a few years you'll have a nice steady stream of income.  Unlike some carriers that pay a small commission for a limited number of years, the level commission structure really adds up fast!

Click Here For Important Note Regarding Level Commission Changes

We have many policies on the books for 18-20 years that are still paying out "renewals!"  Imagine how much income some of our agents now have who have been with us from the beginning.

 Help your senior clients (and your other client's parents) protect themselves from some of the "GAPS" in Medicare.

2017 Medicare Deductible and Co-Insurance "GAPS"

Without a quality Medicare Supplement these out-of-pocket costs can become quite costly and a major burden to your seniors.  Help them today.

Click Here To See What The Plans Cover

Leave a legacy (and some loot)

If you think I'm kidding about renewals let me tell you about one of our agents who is no longer with us.  He passed away a couple years ago and he is still earning over $1,000 per month.
In fact his 2006 1099 amount was $14,156.05.

He left a legacy (and some nice extra income) for his son who we continue paying commissions to and will continue as long as the policies are on the books.

Don't be tied down doing service work!

We do all the service work for you.  We give them our 800 number to call with questions.  We give them our post-paid envelopes to send in their claims or whatever.  We take care of the back-office stuff allowing you to go and do what you do.............make more sales.

You sell it once...............we do the service.............you keep on earning a level commission for as long as they keep the policy!  Can't beat that with a stick!

Stop Sending Your Seniors to Direct Writers

Come on, you know you do it.  You're seniors or their children ask you about Medicare Supplements and you tell them to go to direct writers.  But what if you were to take care of this need they have?  Then what?
People will buy from brokers they "like" more then any other reason.  This is magnified 100 times in the senior market. Seniors really appreciate a little extra hand holding which is hard for direct writers to provide.  You should go see them personally and let them know you and we (an agency with 25 years experience) are there to help them with any problems for as long as they keep their coverage (and we do have many happy seniors still on the books for 18-20 years).  That's the difference - the personal attention (which we help you provide).

Keep in mind that when you personally take care of a senior a couple things happen......

1) They brag about you to all their friends (referrals). 
2) The adult children love you for taking some of the burden off them by helping with their parent's medical bills (which we do for you) and that opens up new sales to them (cross-generational & cross-product marketing).

Why would you throw Hundreds of dollars in the toilet?  Plus now you haven't created the relationship with them to buy other products from you.

The Application is easy.  It's a guaranteed issue plan with no health questions.  It's issued by an A+ Rated (AM Best) company.  It will take you all of 5 minutes to fill out.  If you need help we're here.  You can even tell your prospects that you're not an expert in this field but you have back-office support staff with 25 years of experience who is.

Curious to know what the level commission percentage is?  Shoot me an email and I'll let you know.  todd@lrcassoc.com


Do you Honestly want to make more money in the senior market?

If So then what are you waiting for? 

Start building up a level stream of income that will continue to pay you for years to come (whether you are still working or not).

  • Stability: A+ Rated (AM Best) Company PLUS An agency with over 25 years of experience with seniors and brokers helping you every step of the way!
  • Easy: A Guaranteed Issue product (and easy application) Seniors Want and Need.
  • Lucrative: Receive Generous Level commissions as long as they keep the policy (sell it once and keep on earning) This really adds up!!
  • Value Added: Part-D Rx. coverage available
  • No Hassles: No provider lists to deal with, No Pre-Certification problems, No-Nonsense!  We'll do the service work for you allowing you to spend your time making more sales.
  • Open Up More Opportunities: Open up a whole other world of marketing opportunities by taking care of this need seniors have.  Their Adult Children, Their Grandchildren and Friends!  Seniors will brag about you and promote you on a daily basis!

Join our family of brokers who are already successfully in the senior market.

It worked for them, it will work for you too - we'll be there to make sure!
We'll also send you (when you request an initial kit) a free power point (or .pdf file) Medicare Presentation which clearly explains how Medicare and the supplements work.

Here's some of the training and marketing presentations we offer the following to brokers who are appointed with us.


  • Lap Top Presentation.  Covers how Medicare and the supplements work.  Designed for Broker training AND for use with your clients and prospects. Has some nice features such as being able to click on a particular plan....ie. Plan-F and an get in-depth explanation of how it works.  It's like taking a Medicare Expert with you on your appointments to do the hard work for you.
  • Brain Shark TrainingThis is an on-line training module similar to the on line CE course training.  It takes about 1/2 hour and is a good reference source you can refer back to later on.
    We're here to help, have been for 25+ years.
  • Your Own Personal Virtual Meeting  -  Spend a half hour on the phone and your PC with me and I will walk you through everything and simplify your life by narrowing down your choices (since there are so many).  Let me help you zero on a couple of simple, but effective options.

Get Started Today
Go to our Medicare Supplement Request Page and get your Initial Kit and your Instant access to our members-only site with all the downloads, rates, virtual training, marketing and much -much more 

Questions?  Give us a shout - 1-800-443-5149

Todd Concklin / todd@lrcassoc.com
LRC and Associates
Toll Free: 1-800-443-5149
  • Local: 845-425-8403
  • Fax: 845-425-9312
One of the best ways we can help you in this market is with a personal mini-webinar

You'll be glad you did!

What's New In The Medicare Supplement Market Starting 6/1/2010

As of 6/1/10 The Medicare Supplement Market Changed and Changed for the Better for those Brokers who are paying attention.

Here's a recap of what's new:

New laws have brought many changes to Medigap (Medicare Supplement Insurance) policies. These changes give you choices in health care coverage to fill gaps in services that Original Medicare doesn't cover.

• Basic Benefits Starting with policies effective on or after June 1, 2010, Hospice Part A coinsurance (outpatient prescription drug and inpatient respite care coinsurance) will be covered as a basic benefit. Plan K will cover 50%, and Plan L will cover 75% of these costs.

• Part B Coinsurance Plans K, L, and N will require you to pay a portion of Part B coinsurance and co-payments, which may result in lower premiums for these plans. All other Medigap policies pay Part B coinsurance or co-payments at 100%.

• New Plans Offered Plans M and N are new choices.

• Plans D and G Plans D and G bought on or after June 1, 2010 have different benefits than D or G plans bought before June 1, 2010. But, if you bought Plan D or G before June 1, 2010, you can keep that plan and the benefits won't change.

• Plans No Longer for Sale Plans E, H, I, and J will no longer be sold after May 31, 2010. But, if you already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan.

To see the full Medicare Guide for 2010 click here

Basically the changes to our carrier will only be the addition of Plan-N and required modifications on the plans sold after 6/1/2010.  They will continue to sell all the plans they currently sell with the new modifications and add Plan-N.