If you’ve ever looked at Medicare Supplement (Medigap) premiums and thought,
“Wow, how can this carrier afford to sell that low?”
—you’re not imagining things.

You’ve just spotted what’s called a Charter Rotation Strategy.

And while it sounds like something only actuaries or insurance execs should care about…
it’s exactly the kind of behind-the-scenes move that shapes your commissions, renewals, and lead strategy.

Let’s break it down.

What Is the Charter Rotation Strategy?

The Charter Rotation Strategy is an actuarial play carriers use to dominate Medigap market share.

Here’s how it works:
A carrier enters the market with rock-bottom premiums — often too good to be true.
They know they’ll operate at a loss for 10 to 15 years, but they do it strategically.

Why? Because they’re buying market share.

By undercutting the dominant carriers (the ones holding 15% or more of the market), they attract healthier underwritten applicants, build a massive block of business, and gradually push out competition.

Once they’ve achieved their desired market share, they slowly raise rates, stabilize their loss ratios, and finally start turning a profit.

It’s the long game — and it works.

The Math Behind the Madness

In actuarial terms, not all Medigap applications are created equal.

Here’s a simplified breakdown:

• Underwritten apps: worth 0.5 points (low risk, profitable clients)

• Open Enrollment apps: worth 1.0 points (neutral, average risk)

• Guaranteed Issue apps: worth 2.0 points (high risk, costly to insure)

If your carrier writes too many open enrollment or GI policies, their loss ratios skyrocket.
That’s why carriers using this rotation strategy target a mix of at least 40% underwritten business — the healthy applicants who help balance the block.

It’s a calculated sacrifice: lose early, win big later.

What This Means for You (The Agent)

This strategy reshapes your prospecting and lead generation approach.

Because when a carrier uses this model, rates will look extremely attractive — but only for a limited window before adjustments kick in.

👉 That’s your window of opportunity.

When you’re armed with CMS data and high-quality Med Supp leads, you can identify which counties have low Medicare Advantage penetration — meaning stronger Med Supp demand and healthier underwriting pools.

That’s where the best business still lives.
And that’s where your $19 Med Supp leads come in.

🔥 Med Supp Awareness Month Promo — Ends October 31st!

If you’re ready to capitalize on the most profitable Med Supp regions — now’s your chance.

For a limited time only:

👉 Exclusive, Call-Verified Medicare Supplement Leads — just $19 each (normally $40+).
👉 Save over $630 when you order a minimum of 30 leads.
👉 100% exclusive — not shared, not recycled, and fully verified.

This Med Supp Awareness Month Promo ends October 31st at midnight.
After that, prices double — and your competitors will be ahead.

🎯 Take action now:
Click below to claim your $19 Med Supp leads and target the best markets before the rotation resets.