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u/jmar42

r/Medigap r/CFP r/InsuranceAgent
▲ 7 r/CFP+1 crossposts

Anyone growing AUM by buying insurance leads and cross-selling?

Insurance leads (life, Medicare, etc.) seem to run a lot cheaper than AUM leads, so I'm curious whether anyone here uses them as a top-of-funnel play — buy the cheaper lead, write the policy, then convert the relationship into AUM.

A few things I'd love input on:

  • Are you buying data/form leads or inbound/live transfer calls? Which converts better for you?
  • Does it actually work, or do insurance leads skew toward clients with little to invest?
  • Any way to target higher-income prospects on the insurance side so the AUM conversion is worth it?
  • Which lead types convert best (term life, IUL, Medicare, final expense)?
  • What's your rough conversion rate from policy sold → AUM client?

Trying to figure out if this is a real strategy or a time sink. Appreciate any experience.

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u/jmar42 — 5 days ago
▲ 1 r/Medigap

👋 Welcome, and thanks for joining r/Medigap.

Welcome, and thanks for joining r/Medigap.

This community is for anyone navigating Medicare Supplement (Medigap) coverage, whether you're approaching 65, helping a parent, or already enrolled and trying to make sense of it all. Medigap, IRMAA, enrollment windows, plan comparisons, the rules are confusing by design, and the goal here is to make them clearer.

What this sub is for:

  • Questions about Medigap plans (Plan G, Plan N, and the rest) and how they work alongside Original Medicare
  • Enrollment timing, the Initial Enrollment Period, and avoiding late penalties
  • Understanding costs, including IRMAA (the income-related surcharge that catches a lot of high earners off guard)
  • Sharing experiences and what worked for you

A few ground rules:

  • Be respectful and helpful. We're all figuring this out.
  • No spam or hard selling. Sharing useful info is welcome; pitching products is not.
  • This sub is educational. Nothing here is personalized financial, tax, or insurance advice, always confirm your own situation with a licensed professional.

About me: I'm Jeff, a financial advisor who works in Medicare and retirement income planning, and I moderate this sub. I'm happy to answer general questions in the comments, and nothing here is personalized advice, so always confirm your own situation with a licensed professional.

Glad you're here. Introduce yourself, ask a question, or just lurk and learn. Welcome aboard.

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u/jmar42 — 10 days ago
▲ 1 r/Medigap

PSA for high earners nearing 65: the Medicare "IRMAA" surcharge catches people two years after the fact

A lot of people don't find out about IRMAA until the letter shows up, so here's the short version in case it saves someone a surprise.

IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Medicare Part B and Part D premiums once your income crosses certain thresholds. For 2026 it starts above $109k (single) / $218k (married filing jointly), based on MAGI (your AGI plus tax-exempt interest).

Three things that trip people up:

  • It runs on a two-year lookback. Your 2026 premiums are based on your 2024 tax return. So the income that triggers it is usually already in the past by the time you feel it.
  • It's a cliff, not a slope. One dollar over a threshold bumps you into the whole next tier. A Roth conversion or capital gain that's slightly too big can cost you a full tier.
  • Couples pay double. Both spouses get the surcharge.

The reason it matters is that it's very plannable if you see it coming: timing Roth conversions to fill a tier without spilling over, spreading big gains across tax years, using QCDs to cover RMDs without raising MAGI, and so on. There's also an appeal (Form SSA-44) if your income dropped due to a life-changing event like retirement.

Full disclosure: I'm a financial advisor and I moderate this sub, so happy to answer questions in the comments. Not advice, just the general mechanics.

If you want the longer write-up, I put a full breakdown here What is IRMAA? And the complete playbook is in my book, The IRMAA Handbook: How High-Income Retirees Cut the Medicare Surcharge.

u/jmar42 — 10 days ago