Coverage for the Under-65 Market

For many insurance agents, especially those seasoned in the Medicare space, the over-65 market is familiar territory. But there’s a growing opportunity many agents overlook: ancillary products for the under-65 market. Expanding your sales offerings to include essential ancillary products like dental, vision, accident, critical illness, and hospital indemnity insurance can help unlock significant benefits to a younger demographic.

At NCD, we believe in supporting all of our agents with products that meet real needs and help grow your business– and that means offering diverse coverage. Here’s why making this jump to include ancillary products for the under-65 market can be a powerful win for you and for your clients:

Diversify Your Revenue Stream and Differentiate Yourself

At NCD, we hear from agents every day who are looking for ways to deepen their value to clients. When you provide solutions that go beyond the standard health plan—like dental and vision coverage—you become more than just a sales contact. You become a trusted advisor.

On top of that, relying solely on Medicare can make your income vulnerable to seasonal limitations as well as policy changes. But ancillary products, especially in the under 65-market, are in-demand year-round. By branching out, you can create a more consistent, diversified income stream that isn’t confined to AEP or SEP.

Build Long-Term Client Relationships and Future-Proof Your Business

Broadening your offerings and your audience is a smart move because it allows you to build customer relationships and loyalty before your clients reach Medicare age. Agents who adapt and offer a more comprehensive portfolio remain competitive and responsive to market demands. In working with a younger demographic, you can increase your earning potential and truly stand out from the crowd.

When you offer multiple products that address real-life needs, you’re building long-term relationships—not just making one-time sales. Clients who feel supported and well-covered are more likely to stay loyal, refer friends, and look to you for future needs.

Plus, with ancillary products in your portfolio, you have more natural reasons to check in throughout the year. It’s a great way to stay top of mind and continue providing value outside the open enrollment window.

Serve Today’s Diverse Workforce

With more people working independently or for small businesses, traditional benefits aren’t always available. Ancillary products like dental, vision, and accident plans offer affordable, flexible options that make a real difference.

At NCD, we’re proud to offer plans that are perfect for gig workers, freelancers, and anyone looking to customize their coverage. Our plans are simple to understand, easy to enroll in, and are also available year-round, giving your clients the freedom to choose what works best for them, whenever and however they need it.

At NCD, we make it easy for agents to stay connected with tools, training, and top-rated support. Whether you’re selling dental plans to individuals or offering vision coverage to small groups, we’re here to help you succeed.

Fill the Gaps Left by Major Medical

If you’re feeling comfortable with your current over-65 sales focus, we always want to keep a good thing going! Even if you’re still in the investigation phase of broadening your business to an under-65 market, we encourage you to add NCD by MetLife and VSP Vision products to your list of offerings for the over-65 market.

Take dental insurance, for example. A routine cleaning might be manageable, but what happens when a client needs a root canal or crowns? With limited or hard to use embedded dental benefits, those costs can be overwhelming. With NCD by MetLife dental plans, your clients get access to a broad network, fast claims processing, and real savings—protecting both their health and their wallet.

Final Thoughts

Whether your market is primarily over-65 or you’re looking to branch out, the truth is clear: Ancillary products aren’t just extras—they’re essential. By offering dental, vision, and other supplemental coverage options, you’re helping your clients stay protected while growing your business in smart, sustainable ways.

Tip: One simple way to start broadening your market? Ask for referrals! How many of your existing over-65 customers have adult children who don’t have the coverage they need?

Partner with NCD to bring more value to your clients and take your practice to the next level. Ready to learn more? Contact Agent Support today to get started.