How To Market Our Programs to Employers and Employees
Business Market Statistics
More than 70% of American companies had
double-digit healthcare cost increases in 2006
59% of companies intend to keep down rising health-care costs in 2009 by raising workers' deductibles and co-pays
From: Insurance News
144 million Americans have no form of dental coverage, [including those with jobs]
175 million Americans are either uninsured or underinsured, [regardless of employment status]
Group Sales Training Prospective Industries
Law Firms/Finance Svcs.
Real Estate Agencies
Day Spas & Hair Salons
Child Day Care
Adult Day Care
Brochure 8 ½ x 11
Job Site Save Money
Group Marketing Systems
VITO Marketing System
Survey Marketing System
Direct Mail Marketing System
Cloverleaf Marketing System
Business Lists Resources
Referenceusa.com (Ask your local library if you can access this site through their login page. If so, you receive 10-15 FREE business listings per day.)
Salesgenie.com (Receive 100 FREE listings of your choice; click “TV offer” banner and receive 200. )
The above sources allow your choice of type of business/industry, owner’s name, # of employees.
Yellow Pages FREE current listings by type of business/industry.
Referrals Business clients can refer their vendors and competitors. Associates, family & friends can refer businesses & business owners they know or do business with.
Ease of Administration
Employee Retention – 2 nd highest reason employees move to another company is for benefits
No Mandatory Participation – Unlike insurance, there is no required percentage of employee participation
No Mandatory Contribution – Unlike insurance, there are NO contribution requirements placed on employer. Employer may choose to pay all, part or NONE of monthly fee. Employer may decide which employees/full-timers/part-timers or independent contractors to contribute to or not contribute to.
Employer Advantages continued . . .
Payroll Deduction at Employer’s discretion
One List Bill Sent to Company (w/ 5+ participants)
Auto Draft (w/ less than 5 participants)
Ease of Administration (easy adds and drops)
Qualifies for Section 125 – Pre-Tax Dollars
No Mandatory Open Enrollment; at Employer Discretion
NO COBRA Administration
Employee Education by Independent Representative
ID Cards mailed directly to employees’ homes
Freedom of Choice
Coverage for Family
No Waiting Periods
No Medical Qualifying
Pre-Tax Dollars Portability
Drastically lowers cost of Healthcare
Low Monthly fees, whether Employer contributes or not
Payroll Deduction Available at $ 3.42 /week - $ 13.85 /week depending on plan selected
No Waiting Period to use Plans
No Deductibles to meet
Up to 80% Savings or More
Employee Advantages continued…
No Exclusions of pre-existing or ongoing conditions
May Select Plan of choice of 4 options
May use Pre-Tax Dollars
No Paperwork or Reimbursement Worries
Specialists included, where available, even cosmetic
Orthodontics & Cosmetic Dentistry included with Dental Plan
Employee Advantages continued…
May choose and change provider within network without prior approval or notification
May refer and recommend personal dentist or physician if not a participating provider in network
No Limits of Services or Visits
Never Pay Retail for Health Services
No Age Limits
Household Fees include anyone living at residence, regardless of relationship or age
Plan Options and Comparison
A Comparison of our Dental Plan vs
Traditional Dental Insurance.
Our 4 Plan Options,
what they include and Pricing.
Consumer-Driven Dental Plan
$50.00 - $75.00 per month
60 to 180 day waiting period
6-12 month waiting period for pre-existing conditions
$50 - $100 deductible
Claim forms to file
$750 - $1500 annual maximum limit
Orthodontics may not be covered or may exceed annual limit
Approval req’d for change of dentist
Specialists may exceed annual limit
Premium rate may vary any time
Vision, Rx, Chiropractic extra cost
$14.95 - $19.95 per month
No waiting period
On-going conditions accepted with no waiting
None ------ Instant Savings!
No paperwork to file
No limits on services or visits or age
Nationwide access to services
Orthodontics for children and adults, with no limits
Change dentist without approval
Fees guaranteed for two years
Vision, Rx, Chiropractic at NO extra cost
Plans to Choose From
$ 14.95 /mo or $ 3.42 /week
$ 19.95 /mo or $ 4.61 /week
Ancillary (MRI, etc.)
24 Hour Nurseline
$ 29.95 /mo or $ 6.92 /week
To Learn More About Our Programs, go to legacystartup.com
Plans to Choose From continued…
Dental with Medical
Vision, Prescrip., Chiro,
$ 39.95 /mo or $ 9.23 /week
Dental with Medical as in
Plan III details;
Auto Club (Sign & Drive)
Discounted Legal Services
Identity Theft Protection
$ 59.95 /mo or $ 13.85 /week
To Learn More about our Programs, go to legacystartup.com
Paid on Each Plan
Residual Income is the Key
To Financial and Lifestyle
Commissions Paid on Plans
PLAN I ($14.95-$19.95 /mo)
Dental w/ VPC
6 mo advance: $26.91
Monthly residual: $4.49
6 mo advance: $35.94
Monthly residual: $5.99
PLAN II ($29.95 /mo)
Medical w/ Visits, Lab, Hospital, etc.
6 mo advance : $53.91
Monthly residual: $8.99
Commissions Paid on Plans continued…
PLAN III ($39.95/ mo)
Dental & Medical with VPC, Visits, Lab, Anc, Hospital, etc.
6 month advance : $71.91
Monthly Residual : $11.99
PLAN IV ($59.95 /mo)
Dental, Medical, VPC, Visits, Lab, Anc., Hosp,
with Auto Club, Legal,
& Identity Theft
6 month advance: $107.91
Monthly Residual: $17.99
PERSONAL PRODUCTION COMPENSATION 30% Commission Paid on Personal Production
Plan IV 6 mo adv Monthly Adv Commission
THP $108 x 10/wk=43.3 plans=$4,676/month x 12 months= $56,118 Advanced Commission*
+$56,118 Residual Commission**
=$112,236 Annual Earned Income
*$56,118 advanced commissions represents only ½ the total commission earned.
**There is also $56,118 in residual income earned.
The above example is assuming only 10 Plans per week are sold.
Consider enrolling a Group of 49 employees.
The Advance Commission alone would be $5,292. Then you would earn another $5,292 in residual income that year on that group alone. Also, you would have $882/monthly residual income thereafter for the life of that business on the books.
Consider just one Group of 100 employees. The residual income would be $1,800 per month ,
month after month, year after year , for the life of that group’s business .
The above example does not include 15% - 34% Over-ride Commissions nor Trainer Bonuses.
Income examples shown are strictly illustrations of how commissions are earned in the compensation plan.
Your earnings will depend solely on your efforts as you develop your business/agency.
You do have Options as a Representative (IBO).
Use them wisely and grow a solid group business portfolio.
Representative (IBO) Options
IBO may waive $20 - $30 Registration Fees on each employee if there are between 5 to 49 employees participating in payroll deduct.
This can be used as an incentive to get the business.
If IBO chooses to waive the Registration Fees, then IBO is paid on an as-earned basis and residual income will begin immediately .
If IBO does NOT waive the Registration Fees, then IBO is paid 6 months advance commission with residual income beginning month 7 .
Split Team Commissions:
If IBO (Designated Hitter) has a
team partner (Pitcher/Catcher) who assisted in the sale or set-up,
IBO may split commissions with
team partner at their agreed upon percentage.
This split is accomplished by whose ID number is placed on each individual application.
are minimal, there are requirements that must be met in order to have a smooth group sales process .
Must have minimum 5 employees for montly List Bill
Under 5 employees, corporate will auto-draft the company account
With 50 + employees, registration fees ( $20-30 ) are waived automatically
and representative is paid as-earned; no advance paid.
Must send 1 st month payment with applications and Employer Acceptance Letter
1 st month’s payment may be made with company check or company credit card (photocopy of credit card required)
May NOT fax initial paperwork into corporate.
Must mail initial paperwork (originals) and 1 st month’s payment into corporate (recommend overnight or 2 nd day air with delivery signature required)
Future adds/drops to existing group account may be faxed to corporate Group Division
Though there is NOT much paperwork, what there is must be done right.
Non-essential ,but helpful.,
REQUIRED FOR PAYROLL DEDUCTION:
Individual Application – Group
Employer Acceptance Letter
OPTIONAL PROPOSALS & FORMS:
Auto-Generated Proposal (customized and emailed to you)
Broker of Record Letter
Analysis and Comparison
And other forms and documents
All Forms Can Be Downloaded/Printed from Your
Back Office Support Site: ameriplan.net
Look Under “Group Resources”
Service Your Accounts
The Key to
- Business Retention
- Strong Residuals
Service Your Accounts - Personally
Your Clients are Business Owners. They are busy, harried, and under extreme stress.
They usually will not call you unless and until . . .
there’s already an unresolved problem , then it’s YOU in the
HOT SEAT !
Why not –
- stay in touch on a regular basis
put out fires before they start
catch new business in the process.
Service Your Clients - Regularly
As soon as you sign a Group, mark your calendar right then for a follow up call.
Make sure all is going well:
-Confirm that employer received Group Administration Manual.
-Confirm that employees have received their cards.
-Are they are any concerns or questions?
Resolve any issues and mark your calendar for the next “service” call.
Send a “Thank You” Card.
Service Your Clients and serve your Business
In one simple phone call each month or so, you can…
Determine any new employees to add to the group plan.
Ask for referrals of client’s vendors.
Ask for referrals of client’s competitors.
Discover any issues that can be handled and resolved before they escalate.
Find out about company events that you can sponsor or attend: picnics, Christmas parties, etc.
Find out how your client is doing personally and professionally . . .
Is business good or struggling?
Service Your Clients – The Employees
Remember, your clients are also the employees.
Although you cannot (and it is probably not appropriate) to call each employee, you can keep in touch . . .
Applications have their birth date and birth date of their household members
Take a few minutes when you collect the initial paperwork to register these birthdates with an automatic birthday card service, whether
US Mail or Email .
Attend company functions (stay in touch and you’ll be extended invitations). Mingle with the employees at these company events.
Call the employer to set up donuts or breakfast sandwiches or box/bag lunch delivery for staff or employee meetings.
Remember also, our plans are portable; the employees can take them with them when they leave the company. The company may lose an employee, but you don’t have to lose the employee as a member.
Service Your Clients – Use Your Support Site
Back Office Support Site has facts about each of your Groups. Look under : Group Resources – - Reporting.
See amount being billed to the Group
and if they are paying on time.
Check for employee adds/drops.
Know the state of your Group Business.
Find Group FAQ in the Support Site.
If you are NOT a currently
Licensed Insurance Agent,
Group Certification is a Requirement for Writing
This Home Study Course will prepare you with information and the understanding needed to be successful in working with businesses.
Group Sales Certification
Required unless a currently licensed insurance agent
Home Study Course
Provides you with basic training to assist you in prospecting and effectively communicating with group business decision makers.
Gives you an understanding of insurance-based programs your prospects may currently have or may be considering.
Order the Group Sales Certification Course from the Sales Aids Store in your Back Office Support Site
Group Certification and Marketing Kit
Home Study Course
Job Site Marketing DVDs
Employer Acceptance Letters and Individual Applications for Group
Group Sales Division Corporate Contact Information
Group Sales Division
5700 Democracy Drive
Plano, TX 75024
How Big is The Need and How Large is The Market? The Dental Crisis in America
Millions of Americans Need
Affordable Dental Care.
Not only is it affecting people's teeth and quality of life, but its affecting their overall health!
Over 100 million Americans do not have dental insurance and the lack of coverage is leading to problems such as school absence, unemployment, and death.
Michelle Miller, CBS News
We have a solution !
CBS News special report on the
Dental Insurance Crisis
Click this link:
CBS News Special Report On Dental Insurance Crisis in America
A new window will open and a short commercial will precede the Report.
Group Sales Job Site DVD -Movie may take several moments to load- Our Programs are NOT Insurance. We are a Discount Medical Plan Organization. Our Programs are Consumer-Driven Health Care.