Under-65 clients are tomorrow's Medicare clients. If you write individual health or indemnity coverage for people in their early sixties, you are already building the relationship that should carry them into Medicare. The handoff at 65 is where many agents lose them.
I'm Justin Brock. Brock has helped agents serve 250,000+ Medicare beneficiaries. For one under-65 product and its age 65 rules, read Jackson Taylor's breakdown of ManhattanLife Affordable Choice on justinbrock.com. This piece covers how your upline should help with the transition.
Why the handoff matters
At 65, many under-65 products end or change, and Medicare enrollment windows open. The Medigap open enrollment period, described in Medicare's guidance on buying Medigap, is often the best time for a client to buy a supplement without health questions. Missing it can limit options for good.
What your upline should provide
- Turning-65 tracking. CRM reminders well before each client's 65th birthday.
- Product rules. Clear training on what happens to each under-65 product at 65.
- Medicare readiness. Certifications and appointments so you can serve the client in Medicare too.
- Outreach templates. Compliant messages to start the conversation early.
Questions to ask an upline
- Do your tools flag clients approaching 65?
- Can I write both under-65 and Medicare products through you?
- What training do you provide on the age 65 transition?
How Brock helps
Brock supports agents across under-65 and Medicare lines with tools, training and our Certification Hub. See also our companion on turning-65 conversations.
Want to keep clients through the age 65 handoff? Book a call with the Brock team.
Frequently asked questions
What happens to under-65 health coverage at 65?
It depends on the product. Some individual and indemnity plans end or change at 65, while Medicare enrollment windows open. Check each product's terms and plan the transition before the client's birthday.
When should agents start planning a client's move to Medicare?
Start several months before the client turns 65. That gives time to review options, coordinate with any employer coverage and use the Medigap open enrollment period if a supplement is the right fit.
What is the Medigap open enrollment period?
It is a six-month window that generally starts the month a person is 65 or older and enrolled in Part B. During it, Medigap insurers generally cannot use health status to deny or price a policy. Check current Medicare guidance for details.
How can my upline help with T65 transitions?
A good upline provides CRM reminders for turning-65 dates, training on product rules at 65, Medicare certifications and appointments, and compliant outreach templates so you can start the conversation early.