A & H
$100,000 ADB added to a members A71 would give them how much total Accidental Death Coverage?
$150,000
What form is needed if Policy holder wants to reduce ADB amount?
Policy Service Request Form (PSR)
60%
What policy pays a family $3,300 a month for 24 months?
Income Protection or Term Insurance
What is the most important thing to wear on your face when you are talking to members on the phone?
A Smile!
A Member hospitalized for 10 days due to burns received in a car accident would receive how much from their A71 policy?
5000
What is needed if a policy holder gets married and changes their name?
Marriage License
$250
what is a convertible policy?
A policy that can be converted into another product (e.g. A $100,000 10 yr R & C can be converted into a $20,000 Whole life at any time during the 10 years without medical questions being asked.)
What is a hook?
Something that captures interest and makes clients more likely to show
(ex- I will see you guys next week, oh also we have something really special for the kids, see you then!)
Would an allergic reaction to soap be eligible for a $250 claim with proper documentation from an urgent care?
YES
A Policyholder has requested a draft date change, when is the cut off to be able to change their draft date for the current month assuming it has not already been drafted?
72 hours prior to their current draft date
It is for those that have multiple personal recruits hired and coded in a year. They receive rewards from the company.
What is a renewable policy?
A policy that automatically renews at a higher rate based on age at the end of term, no medical questions asked.
Name at least 2 Questions that we always ask when setting appointments?
Do you have a spouse or significant other? Do you have kids under 18? How long have you been with the union or Association?
How many hours does a member have to be seen if injured for the A71 to pay out?
72 Hrs
When filing a claim for a policy holder what documentation is required by the claims dept?
#1 Signed Claim Form
#2 Either discharge papers from outpatient facility or an itemized bill
A company wide production contest that takes place in March?
March Madness
What is the pencil diet?
Agents are legally allowed to make clients 1in taller and 10lbs lighter
Agents should automatically do this for every overweight client to help them improve their chances of not being rated or reducing their rating
Name 1 thing to NEVER say on the phone when setting appointments?
Are you interested- You get Free Benefits- The program is so cheap- We are with your union
These are words that decrease your value in the members eyes. Instead use affordable- no cost- inexpensive- This is regarding your union
The C20 policy face amount is reduced by 1/2 at what age? (e.g. $50,000 reduced to $25,000)
65 years old
When banking is an issue after writing an application and you see INV in your conservation- what needs to be done?
Account was Invalid and we need to confirm routing and account number or in some cases a picture of a voided check
What is a General Agent (GA)
Can we offer insurance to someone that is not a US citizen but here legally?
YES- We will need to do a residency form
Member wants to check with spouse before setting appointment what should you do?
Let them know your schedule fills fast - have them set an appointment time they think will work and then if there is any issue with the spouse have them reach back out to you.