Welcome back to Medicare Supplement Awareness Month — running from October 1st to October 31st, where our mission is simple: Save the Supps.

Every Med Supp policy written doesn’t just help a senior — it helps stabilize our entire market and prevent the ongoing erosion of Med Supp market share that many of us have watched unfold over the past five years.

If you missed the county-by-county breakdown of how the market has shifted recently, head to the Lead Heroes YouTube channel or LeadHeroes.com — the data is eye-opening.

Why Health Underwriting Matters More Than Ever

Today, we’re diving into one of the most powerful, overlooked skill sets in Medicare sales:
Medicare Supplement health underwriting.

Most agents avoid underwritten business because they think it’s complicated.
But in reality, Med Supp underwriting is one of the simplest forms of underwriting in the industry. If you’ve ever sold Final Expense, the structure will feel very familiar.

And when you get good at underwriting?

✅ You close more Med Supp cases
✅ You save seniors real money
✅ You write business year-round — not just during AEP

That’s right:
Underwritten Med Supp moves are available 12 months a year, as long as your client can pass basic health questions

Simplified Issue: What It Actually Looks Like

Here’s the surprising part:
Most Med Supp carriers only ask around 8–12 health questions, usually grouped into a few simple areas:

• Mobility / daily functioning

• Current care status (hospital, home health, rehab, etc.)

• History of serious conditions (CHF, cancer, Parkinson’s, etc.)

• Major surgeries or recent treatments

These questions are designed to provide a snapshot of the client’s current health — not a decade-long medical deep dive.

And if you answer these questions accurately as a field underwriter, your approval rates can skyrocket.

The top underwritten Med Supp agents we’ve worked with regularly approve 80%+ of underwritten applications — because they know:

• Which carriers are strict

• Which carriers are lenient

• Which conditions are automatic declines

• Which conditions can get through with the right carrier

This isn’t guesswork.
This is strategy.

Why This Matters for Your Income

Right now, some carriers — like Humana — are offering a $250 bonus per underwritten Med Supp application through December 31st.

If your cost per acquisition is anywhere from $95–$350 (depending on your closing rate), that $250 bonus can completely offset your CPA.

Translation?
You can acquire new Med Supp clients at nearly zero net cost.

That’s how top producers scale fast.

The Secret Sauce: Learn Your Carriers

As a broker, your advantage is choice.
Not every carrier will accept every client — but another one usually will.

If Carrier A declines a diabetic with neuropathy…
Carrier B might accept them.
If Mutual of Omaha won’t take a recent surgery…
Bankers Fidelity might be completely fine with it.

Study your underwriting guides.
Take notes.
Build your playbook.

This is the skill that separates order-takers from advisors.

So Here’s Your Next Move

If you want to close more Med Supp business, you need:

1. A solid understanding of underwriting

2. Seniors actively looking to save money on existing Med Supp plans

We can help with #2 — starting today.

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

To support agents who are selling underwritten Med Supp right now:

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Minimum order: 30 leads
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🚨 Offer ends midnight, October 31st.
No extensions. No exceptions.
Inventory is limited — and when it’s gone, it’s gone.