Three Reasons to Sell Our Critical Illness Products

1. We offer an expedited Precision Underwriting process
2. It's available in benefit amounts ranging from $10,000 to $250,000
3. Disability and accidental death and dismemberment riders also are available 

 More Info.

• Product Information
• Product Highlights
• Underwriting Guidelines
• Sample Rates
• State Availability
• Discover Training Opportunities
• Sales Ideas
• Other Resources
• Use Association Marketing
• Locate Forms and Materials

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Critical Illness helps people...

Cover unexpected expenses brought about by a critical illness. Expenses like:

• Child care
• Time away form work for you and/or your spouse
• Domestic help for activies like cooking, laundry and lawn maintenance
• Necessary home modification
• Transportation and lodging costs to seek the best treatment

 Sales Idea

Who Do You Know?

Ask prospective clients to think about someone - a family member, coworker or friend - who's suffered a critical illness such as a heart attack, cancer or stroke. Then, get them to think about what a difference a cash payment of $10,000, $25,000, $50,000 or even $100,000 or $250,000 would have made to each person when their condition was diagnosed.

The people they're thinking of could have used the money to:

• Pay off a mortgage, credit card debt or other loans
• Supplement lost income
• Seek medical treatment not covered by health insurance
• Arrange for child care while in treatment or recovery
• Construct home modifications to accommodate a health condition
• Take a leave of absence from work
• Tell your prospects those people may not have known about Critical Illness insurance, but they do. And ask if they can afford to say, "It won't happen to me?"

 

Critical Illness Product Highlights

• Benefits paid upon diagnosis
• No survival period required
• Covers 10 conditions at 100%
• Life-Threatening Cancer
• Heart Attack
• Stroke
• Alzheimer's Disease
• Multiple Sclerosis ¹
• Kidney Failure ²
• Major Organ Transplant - when you register with the United Network of Organ Sharing (UNOS), not after the transplant has occurred!
• Paralysis ²
• Deafness ²
• Blindness ²
• Covers 3 conditions at 25%
• First Carcinoma in Situ
• First Coronary Angioplasty ²
• First Coronary Bypass Surgery ²
• Return of Premium (ROP) ³
• Stand-alone health product
• National product availability
• Recognized industry leader
• ¹ Not applicable in Louisiana

² Not applicable in New York

³ Not available in Florida and New York
 

Critical Illness Underwriting Information

Underwriting Guidelines
Issue Ages: 20 - 59

Benefit amounts available: $10,000 - $250,000 (for most states)

Individual Critical Illness available in all states except: CT , MD, MA, NH, NJ

Riders available (where approved): Disability Benefit Rider, Accidental Death and Dismemberment Benefits Rider, Association Group Hospital Confinement Benefit Rider
 

Critical Illness Training Opportunities

 

Sample Rates

Gender Age Tobacco Usage Underwriting Benefit Amount Annualized Monthly Premiums
Male 40 None Standard $10,000 $192.36
Male 40 None Standard $25,000 $402.12
Male 40 None Standard $50,000 $751.80
Male 40 None Standard $100,000 $871.56
Female 40 None Standard $10,000 $165.96
Female 40 None Standard $25,000 $336.00
Female 40 None Standard $50,000 $619.56
Female 40 None Standard $100,000 $720.36

 

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