CAH/CSH
OEA/OES
CAD/CSD
CI/CANCER
MISC
100

WHAT IS THE ISSUE AGE FOR CAH/CSH PRODUCTS?

6 months to 69 (for proposed insured)
18 to 69 (for proposed insured and spouse, if applying for family coverage)
15 days to 17 (for proposed insured’s dependent child(ren), if applying for family coverage)


100

At what age does the this policy expire?

85 years

100

at what age does the policy terminate?

75 years

100

what are the issuing ages of these policies?

18-70 years

100

at what age do the family plans end for each child on the essentials?

25 years

200

how much is a plan2 accident and sickness policy for a family of 7?

dad is 34 mom is 36



$288/ month


200

how many times can a client claim on the polcy per year?

Limited to 4 occurrences per policy year


200

What is the minimum amount a client has to make per year to qualify for $3000/ month coverage?

$60,000+ with income verification

200

how does the critical illness policy pay out?

 and how many days must you survive?


Upon initial diagnosis and/or treatment of a covered condition, we will pay you a lump sum of 10% of the amount.

When you survive at least 14 days following a covered loss, we will pay you an

additional lump sum of 90%.


200

what policies come in family plans?

CAH/CSH

oea/oes

ad&d

cancer

300

a client spends 30 days in the hospital due to a accident and is totally disabled for 4 month.

they currently have a plan 2.

how much would the potentially get paid?

30 day x $200/day = $6,000

30 x 3 =90days x $200/day= $18,000

total= $24,000

300

what are the 3 features of the OEA/OES?


- Outpatient Surgery Benefit
- Rehabilitative Therapy Benefit
- Medical Appliance Reimbursement Benefit


300

what is the ages a client may purchase a policy?

what ages may they purchase for ROP?


  • The proposed insured must be between 16 years and 69 years of age inclusively or between 16 years and 54 years of age if selecting Return of Premium (ROP) coverage.


300

what are the 5 levels of benefits on a critical illness policy?

$10,000 

$15,000 

$25,000 

$50,000 

 $100,000


300

you meet up with a potential client and they were diagnosed with diabetes at 35.


what may they qualify for?

cah

oea

iea

ad&d

cancer only

3 conditions critical illness

400

what are the 5 features of this CAH/CSH?


- Daily Hospital Benefit
- Daily Intensive Care Benefit
- Daily Recovery Benefit following Hospital Confinement
- Daily Recovery Benefit Following Outpatient Surgery (or Fracture for Accident coverage)
- Ambulance Reimbursement


400

mom is 32 and dad is 47

how much would they pay a month if they wanted a family plan 2 accident and plan 1 sickness?

$42.00/month accident

$49.00/ month sickness

= $91.00/month

400

farmer jo gets ran over by a cow while branding. 

He has a separated shoulder and is totally disabled for 4 months and can perform some of his duties as of month 5.

what would he be able to claim on providing he has a CAD and has had his policies for 2 years and has $2,000/month in coverage

2,000 x 4=8,000

return to work benifit$1,000


total $9,000

400

At what age does the family cancer care policy end for the children?


At the age of 23 or marriage

400

define

MUPSTUS

MEMORIZE AND USE OUR SALES PRESENTATIONS

USE THE PROPER INTRODUCTION

PRESENT PICTORIAL AND NAMES PROPERLY

SMILE - USE HUMOUR

TALK IN A POSITIVE, ENTHUSIASTIC TONE OF     VOICE

USE THE PROPER CLOSE

SELL, SERVICE AND SELL MORE SYSTEMATICALLY


500

What are the 3 age categories that a person can apply for coverage?

6 months to 69 (for proposed insured)
18 to 69 (for proposed insured and spouse, if applying for family coverage)
15 days to 17 (for proposed insured’s dependent child(ren), if applying for family coverage)

500

Sally has a family plan and her son billy bob breaks his leg and has to get a knee brace.

Billy bob will be totally disabled for 3 months and has to do 30 treatments of physiotherapy

How much would a family plan 2 CAH accident and a plan 2 OEA pay his family?



family planky p sum $2,000

max $150 for the leg brace

max $600 for physio.($30 x 20)

$2,750

unless billy bob needs surgery a outpatient accident would not pay.

500

a existing client would like to add on a CSD policy. They inform you they have sleep apnea and they smoke.

can you qualify them for the coverage?


NO

SLEEP APNEA (sleep related breathing disorder)
• supplemental oxygen required with CPAP machine
• has narcolepsy
• surgery has been recommended but not yet performed

 • uses tobacco products


500

what is the 3 X 5 rule?

Call underwritino

  1. High Blood Pressure (consistently elevated pressure of 140/90)

  2. Diabetes

  3. Tobacco Use (within the past 12 months)

  4. Obesity (within 10 lbs. of the maximum weight at each height)

  5. Taking a Total of 5 or More Medications


500

what is the 5 point marketing system?


  1. DIRECT PROSPECTING

  2. COMBINED POLICYHOLDERS

  3. REFERRALS

  4. T-SYSTEM

  5. TARGET MARKETING


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