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
High Blood Pressure (consistently elevated pressure of 140/90)
Diabetes
Tobacco Use (within the past 12 months)
Obesity (within 10 lbs. of the maximum weight at each height)
Taking a Total of 5 or More Medications
500
what is the 5 point marketing system?
DIRECT PROSPECTING
COMBINED POLICYHOLDERS
REFERRALS
T-SYSTEM
TARGET MARKETING