Farmers Insurance - Luis Moreno

06/07/2026

Insurance agents are fielding calls from ACA clients confused about massive premium hikes. What's driving these unexpected increases and what's happening with their coverage costs?
Most ACA agents are about to treat failure-to-reconcile like a headache.
Smart agents are about to treat it like a goldmine. 🔑
Here's the reframe: clients who didn't file their 2023 and 2024 taxes are losing their subsidies and getting hit with the full premium. They're confused. They're scared. They have no idea what to do.
Now imagine YOU are the agent who calls them first — before the premium drafts, before they panic-Google it, before another agent swoops in.
You're not the bad news. You're the rescue. 🦸
That's how you turn a compliance problem into:
✅ A retained client
✅ A trust deposit
✅ A referral ("you have to call my agent")
The move is simple:
1️⃣ Pull your at-risk list inside HealthSherpa
2️⃣ Call proactively with a calm, simple plan
3️⃣ After they file & reconcile, update the application to restore eligibility
Reactive agents lose clients this season. Proactive, trained agents grow.
This is the kind of play I walk my agents through directly.
🚀 Insurance Agents Wanted 📧 [email protected]📱 Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net
Get training, support & top carrier contracts. Build a book with real renewals.
What would 50 proactive calls do for your book this month?

06/05/2026

This video breaks down the details of a lump sum cancer benefit rider. Learn about payout amounts for various cancer stages and discover the important recurrence and restoration benefits included.

Want to contract with HNL, email me: [email protected]

06/05/2026

The ACA market is facing strict rule enforcement, making it crucial to understand eligibility for special enrollment periods. Proving your situation is key to getting covered. If you want to contracted with Presidio, email me📧 [email protected] 📱 210-972-9558

06/04/2026

CMS just eliminated the 48-hour SOA rule — and I'm handing you the updated intake form and life insurance toolkit to take advantage of it.
🚨 Medicare intake form just got a major upgrade — and CMS just handed agents the biggest rule change in years. In this video, I walk you through my new and improved Medicare intake form, my complete life insurance toolkit, and a quick breakdown of the latest CMS updates every Medicare agent needs to know before AEP 2027.
Insurance Agents Wanted | ACA & Medicare Training
📞 Call/Text: 210-972-9558
🌐 InsuranceAgentTraining.net
✅ INSURANCE AGENTS WANTED
Get contracted, trained, and supported. I provide contracting, one-on-one mentorship, proven systems, and a live Friday Q&A every week at 9:30 AM CST.
📧 [email protected]
📱 Call/Text: 210-972-9558
🌐 InsuranceAgentTraining.net
https://youtu.be/ZEZc22y1rcc

CMS just eliminated the 48-hour SOA rule — and I'm handing you the ...

06/03/2026

One of my clients opened her renewal and her premium had jumped to the FULL price. No subsidy. She thought the marketplace made a mistake.
It didn't.
She fell into "failure to reconcile." She received APTC but never filed her 2023 and 2024 taxes. After two years of not reconciling, the marketplace strips the subsidy — and the client gets hit with the full premium.
Most of these clients got a notice. Most of them never read it.
Here's the part that matters for YOU as an agent:
✅ You can pull your at-risk clients inside HealthSherpa ✅ You can call them BEFORE the premium drafts ✅ Once they file and reconcile, you update the application to restore eligibility
Proactive agents keep their book. Reactive agents lose clients and trust.
This is exactly the stuff nobody teaches you when you get licensed — and it's exactly what I train my agents to handle.
🚀 Insurance Agents Wanted 📧 [email protected]📱 Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net
Learn ACA & Medicare sales. Get training, support & contracts. Build a book with renewals.
Are you currently selling ACA, or still thinking about getting started? 👇

06/03/2026

⚠️ Your ACA Clients Are Losing Subsidies — Failure to Reconcile Explained

One of my clients opened her next month bill, saw the FULL premium, and panicked — all because of a tax notice she never read.

Failure to reconcile is quietly stripping ACA subsidies from clients who never filed their 2023 and 2024 taxes — and most don't find out until the full premium hits their account. 😳

In this ACA agent training, I break down exactly what happened to one of my clients, the notice the marketplace mailed out that almost nobody is reading, and — most importantly — how YOU as an agent can get ahead of it.

📋 Here's what I cover:
✅ Why "failure to reconcile" terminates APTC and forces clients to full price
✅ The marketplace notice your clients are ignoring
✅ How to pull your at-risk client list inside HealthSherpa
✅ How to update the application once they've filed

This is the difference between a client who blames you and a client who thanks you. Proactive agents keep their book — and grow it.

👨‍🏫 I'm Luis Moreno. I've spent ~25 years in the insurance business as a producing agent and mentor. I don't just recruit — I sell, and I train agents to build a real book of business with renewals.

🚀Insurance Agents: Learn ACA & Medicare Sales + Build Predictable Renewal Income

📞 Call/Text: 210-972-9558
📩 [email protected]
Learn how to sell ACA year-round + maximize Medicare AEP using proven systems from a 5,000+ ACA / 1,000+ Medicare client agency.

One of my clients opened her next month bill, saw the FULL premium,...

06/03/2026

The biggest regret people have? Waiting to get insurance. Unexpected health issues can strike anytime. Secure your peace of mind now by finding a policy that fits your needs and budget.

Want to contract with HNL, email me: [email protected]

06/02/2026

Most agents finish the Medicare Advantage enrollment and walk out the door. But there's one product that protects your senior AND pays you on a client you already earned: hospital indemnity.

Want contracting, email me: [email protected]

In today's webinar, Bella from Heartland National broke down: ✅ The full benefit lineup ✅ How to pair it with a Medicare Advantage plan ✅ How to get contracted by the NEXT DAY
Skip it and two things happen: your senior isn't fully protected, and you're walking away from commission that was right in front of you.
I'm Luis Moreno. I help agents get contracted, trained, and supported in ACA & Medicare — so you can build a book of business with real renewals.
🚨 Insurance Agents Wanted 📧 [email protected]📱 Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net

06/02/2026

If you're selling Medicare Advantage but skipping hospital indemnity, you're underserving your senior AND walking away from money that's already on the table.
Hospital indemnity is the single easiest product Medicare agents leave behind — and in this webinar, Bella from Heartland National breaks down exactly how to add it to every Medicare Advantage client.
Want to contract with Heartland National, email me: 📩 [email protected]
🏥💰Most agents finish a Medicare Advantage enrollment and stop right there. That's a mistake. A hospital indemnity plan protects your senior from the out-of-pocket gaps MA plans leave wide open — and it stacks commission on a client you've already earned.
In this session you'll learn:
✅ The full benefit breakdown of Heartland National's hospital indemnity plan
✅ How to pair it with a Medicare Advantage plan the right way
✅ How to get contracted with Heartland National by the next day
👉 If you're not offering this, two things are happening: you're not fully protecting your senior, and you're leaving a ton of money on the table.
I'm Luis Moreno — I help insurance agents get contracted, trained, and supported in ACA & Medicare so they can build a real book of business with renewals.
🚨 Insurance Agents Wanted
📧 [email protected]
📱 Call/Text: 210-972-9558
🌐 InsuranceAgentTraining.net
Get top carrier contracts, live training, and ongoing mentorship — from an agent who actually produces.
https://youtu.be/RN7ZIm699XE?si=kHSu5JtJxjPAjokN

If you're selling Medicare Advantage but skipping hospital indemnit...

06/02/2026

Hear why top agents are recommending Presidio Healthcare to safeguard their business. Discover the essential offerings that provide peace of mind and robust protection. If you want to contracted with Presidio, email me📧 [email protected] 📱 210-972-9558