Entering the 4th Quarter: Time to Finish Strong
As we enter the final stretch of the year, it’s critical to focus on finishing 2025 on a high note. The 4th quarter is always full of opportunities—but it’s also the most time-sensitive period for making sure business is placed, processed, and paid before year end.
Why Now Matters
Client Engagement: The close of the year is a natural time for clients to review their plans. This is the perfect opportunity to circle back on any life insurance, long-term care, disability, or annuity planning conversations they’ve been putting off. Medicare AEP Season: For those of you working in Medicare, Annual Enrollment is in full swing. Don’t let your clients miss the chance to review their coverage and make changes where needed. Carrier Deadlines: Many carriers begin to close their year-end books by mid-December. To ensure your cases are issued and paid, applications must be submitted in good order, and any outstanding requirements sent in without delay. Key Reminders
Submit all applications in good order to avoid delays. Stay on top of outstanding requirements—get labs, forms, or signatures in as soon as possible. Be mindful of rate lock provisions and application transition rules for annuities. These details can make all the difference in securing the best outcome for your clients. Don’t wait until December—carriers can slow down dramatically as year-end approaches. Opportunity is Still Here
There is still plenty of production to capture in both the life and annuity space before the clock runs out. By reaching out now, you’ll not only help your clients wrap up their 2025 planning, but also set yourself up for a strong start in 2026.
At MERIT, we’re here to help you every step of the way. If you need support on case design, illustrations, applications, or rate updates, reach out to our team—we’re ready to help you finish this year stronger than ever. |
