HIP
What is the is the age for No Underwriting in most state ?
64 1/2 - 68
Will a Cancer Insurance still pay you out for an early stage cancer in which the cancerous growth or tumor is confined to the site from which it started, but has not spread to surrounding tissue or other organs in the body ? If not why?
yes, If diagnosed with cancer or carcinoma in situ, this policy will pay 100% of the selected benefit amount.
What is the number one cause of death for both Women and Men ? and what is the Average age at which this occurs?
Heart attack , at the age of 65 - 72
what Kind of AFLAC plans can we sell?
ACCIDENT ONLY
Which company does not require any enrollment fees or waiting period?
Name 5 Scenarios that are great for pitching HIP?
1.Has Part B give back.
2. Had MS in the past.
3. Has High inpatient hospital stays.
4. Had Hospital bills in the past.
5. NO LIS/MEDICAID.
What's the age bracket for eligible CI enrollee?
18-89
what is the third leading cause of death in women and fifth in men?
Stroke
How much is Aflac, do they require underwriting Questions?
for a standard Aflac plan its about $24-$26, for an Elite plan its about $35-$37 a month
There is only one Underwriting question > Within the last five years, has anyone to be covered been charged with operating a vehicle while under the influence of alcohol or drugs?
All Stand alone Dental plans cover implants. T or F
True
"The older the client is the ______ HIP's will become"
More expensive
What Percentage of the population in the US of all Cancer Patients over 50?
87% > 41% male, 38% women.
If a person on Diabetic medication, going under chemotherapy and about to get a hip replacement in the next 3 months would they qualify for Heart attack and stroke policy? If so, why?
Yes, Because no medications are require for the Underwriting process so taking Diabetic medications doesnt matter. Also, Chemotherapy and a Hip replacement has nothing to do with the heart.
Does Aflac Cover hospital stays? If so, how much and under what Circumstances?
$500 per night/ due to accident.
Give me 3 discovery Questions that can help with tieback for selling a dental plan.
1. Do you need implants?
2. How much dental work do you need?
3. How well do you like your Dental plan with MAPD?
If your client has High Blood pressure, can you enroll them into a Hospital indemnity plan? If Not, Why?
Yes, you can enroll someone with high blood pressure. As long as its controlled.
How much does a person on a MAPD plan have to pay on Chemotherapy drugs without LIS? and how much does the average Chemotherapy drugs cost?
20% > $1,000 to $12,000 per month
Scenario > This client called in, wanting to better her needs with her MAPD plan. She Currently has a Monthly premium for $29 with a MOOP of $7,550. She's takes high blood pressure medication and is also a diabetic. She had SX 7 years for a heart attack that was unexpected. There is a MAPD plan available in her area for $0 a month with a $40 Give back towards PART B but her MOOP will remain at $7,550. However, She does have an upcoming SX for her Elbow.. would it be a Good Idea to Pitch a Heart attack/ stroke CI? and If so, give 3 ties backs.
Yes! PITCH IT.
1. She has had a attacked in the past chances of her having it again is HIGH.
2. We are saving her $29 a month by switching her to a plan that's $0 a month with a $40 giveback.
3. she has a High MOOP which a Heart attack/ stroke policy can help pay for.
Give 3 great scenarios to pitch AFLAC
2. Someone who falls a lot / someone who asks about walker/scooter/weak knees
3. anyone a Part B give back
List at least 5 discovery question you can ask about dental needs
1. How much dental work do you need?
2. Do you need implants?
3. Have you already used your Dental coverage for this year?
4. Are you looking for more Dental coverage?
5. Do you need help finding a dentist?
WHAT IS THE AGE BRACKET FOR HOSPITAL INDEMNITY PLANS?
18 - 85
Which 5 Scenarios are best for pitching Cancer CI?
1. Part B Give back Program.
2. Has MS in the past.
3. Had Cancer more than 5 years ago.
4. NO LIS/ MEDICAID
5. Has a High MOOP
Name 4 Underwriting questions for Heart attack and stroke policy?
1. Have had any HIV, ARC, or AIDS in the past 10 years?
2. Within the past 6 months, have you been treated for Uncontrollable high blood pressure?
3. Within the past 5 years have you been advised to have heart Sx, or Heart Related SX?
4. Within the past 5 years have you taken any medication for Heart attack/ stroke / TIA ?
What does AFLAC stand for ?
American Family Life Assurance Company
Name 3 reasons why someone should sign up for a Vision plan if they already have a vision plan with MA?
1. MA doesnt cover Upgrades such as Scratch resistant and Tint to the lenses.
2. Glasses/ contacts can be very expensive. MA doesnt always cover in full.
3. having extra vision is Only $15 a month which is inexpensive and can save Hundreds on Glasses.