Overview of the Program From Senior Market Sales, Inc.
Senior Market Sales, Inc. (SMS) offers a broad agent-focused distribution platform for Life, Long-Term Care (LTC), Senior Health, Dental, Annuity, Travel and War Risk Insurance. The centerpiece of SMS' agent technology is the SMS Agent Advantage system — a suite of online tools, services, rewards and incentives that give agents fast access to quotes, forms and carrier materials. SMS combines national marketing experience with proprietary web technology to streamline placement, reduce marketing costs and support cross-selling opportunities for producers working with senior and individual clients.
SMS Agent Advantage — key agent services
- Free 24/7 agent access to quotes and forms for Term and Universal Life, MedSupp, LTC, Dental and Travel products
- Enhanced website content and product pages for Life, MedSupp, LTC, Dental and Travel lines
- Agent/agency website quote engines for Term Life, Dental, Travel and Medicare Supplement
- Pre-underwriting services for Life and LTC to speed placement and improve fit
- Impaired risk life underwriting for nonstandard cases
- Loyalty rewards, trips and incentive programs
- Online document library with carrier bulletins and forms
- Weekly status emails on all submitted business to keep producers informed
Insurance lines supported
SMS supports a wide range of insurance product lines; see the SMS product listing for full details: Insurance lines.
- Life insurance — Term, Whole, Universal, Senior Life, Final Expense / Pre-need, Mortgage Life, Single Premium, Juvenile, Group/Worksite
- Annuities
- Long-Term Care — Individual and Group/Worksite
- Medicare Supplements
- Dental insurance — Senior dental, individual and worksite
- Travel insurance and international Life, Health, Disability, AD&D, plus War Risk Medical & AD&D
- Defense Base Coverage (workers' compensation solutions for U.S. government contractors overseas)
Ideal Accounts and Typical Appetite
SMS is tailored for independent agents and brokers who place individual and senior-focused business. Typical accounts that fit well include:
- Seniors shopping for Medicare supplements, senior dental or final expense coverage
- Individuals and families seeking term or universal life to cover mortgages, education or legacy needs
- Clients needing stand-alone or group long-term care solutions
- Travelers and contractors requiring international medical, AD&D or war risk coverage
- Impaired-risk life cases that need specialized underwriting attention
Cases that often do not fit well are large commercial group programs outside SMS’ senior and individual focus, or highly complex commercial lines better suited to a dedicated carrier or large brokerage practice.
Coverage Highlights and Advantages
- Broad product shelf across life, annuity, LTC, Medicare Supplement, dental and travel lines — useful for cross-sell opportunities.
- Pre-underwriting and impaired-risk underwriting increase placement success on substandard lives and complex LTC scenarios.
- Online quote engines and document libraries speed proposal turnaround and reduce administrative overhead for producers.
- Weekly submission status updates help agents manage pipelines and client expectations without extra follow-up.
Underwriting Notes and Minimum Premiums
Underwriting varies by carrier and product. SMS’ pre-underwriting services can help identify best-fit carriers and reduce declines for life and LTC submissions. For impaired-risk life cases, SMS works with underwriting resources experienced in nonstandard health conditions.
Minimum premiums and specific product underwriting rules depend on the carrier and state. Agents should verify minimum premium thresholds and product availability when preparing a submission.
Territories and Availability
SMS markets are available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and product approval vary by state and carrier — confirm licensing and appointments where required.
Why Work With Senior Market Sales on This Business
- Agent-focused technology and workflow designed to reduce sell time and administrative burden
- Experienced underwriting support for difficult life and LTC cases
- Wide product access that supports cross-selling to seniors and individuals
- Regular communication (weekly status emails) and incentives that help build producer loyalty
Example scenarios:
- You have a 67-year-old client shopping Medicare Supplement and senior dental — SMS can provide comparative quotes, product pages and enrollment materials to streamline the sale.
- You’re placing a substandard life case with a recent medical history — SMS’ impaired-risk underwriting and pre-underwriting services can identify carriers and improve the chance of offer.
Frequently Asked Questions
What types of accounts are a good fit for the SMS program?
Individual and senior-focused accounts are best: Medicare Supplements, senior dental, final expense, individual life and annuities, LTC and travel/war-risk coverage. SMS also handles impaired-risk life cases and group/worksite LTC and dental in many states.
How do I access quotes, forms and carrier bulletins?
Agents use the SMS Agent Advantage system for 24/7 access to quotes, enrollment forms and carrier documents. The system includes online quote engines for Term Life, Dental, Travel and Medicare Supplement products.
Does SMS help with underwriting for difficult cases?
Yes. SMS offers pre-underwriting services for Life and LTC and has resources for impaired-risk life underwriting to improve placement chances for nonstandard cases.
Are these products available in my state?
Availability varies by carrier and product. SMS supports the states listed above, but agents should confirm product approval and appointment requirements for the specific state and carrier before submitting business.
Need help placing an account? Connect with a market specialist.