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USABG Combo Sales Presentation

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  • About YouDevelop an opening statement that will get their attention, and open with it every time!In business for yourself – but not by yourselfWe are a team. Our 22 years is also your 22 years. Our top management team has over 150 years of experience.If you’re new, say that you’re a graduate Of USABG University!You’re part of America’s Best Health Agents, so act like it!Would you have a problem doing business with me?Trust the Presentation!
  • About USA Benefits GroupStabilitySecurity BBBTop producing agencyMultiple carriers Would you have a problem doing business with our company? Trust the Presentation!
  • Follow the 5 PointsOne confinement every 20 years82% of all hospital admissions are critical illness or accident7.6 months of recovery with total or partial loss of income52% of all bankruptcies…59% had health insurance60% of all claims are less than $1,000. Talk about the need to have 1st dollar outpatient careI’m sure that you would want these claims covered at 100% and also have cash to replace lost income!Trust the Presentation!
  • Very important page!Cancer statsHeart statsAccident stats
  • MAKE OR BREAK PAGEStress the PointsCover EVERY pointExcellent outpatient 1st dollar careRate Lock + Unlimited Rx + WellnessZero out of pocket on Cancer + Heart + AccidentsCash for income protectionIf I can get you all of these benefits at an affordable rate, would we be able to do business?
  • How we find you…One Legged StoolCopay health plan onlyHow we leave you…Three Legged Stool Copay health planUnlimited doc + Rx + wellness2 year rate lock + reducing deductible First diagnosis benefitDeath benefitAccident disability incomeWhich stool would you prefer?
  • Real claims…Real peopleUSABG experience with claimsMost survive, but die financiallyNot one of these customers thought this would happenBut all 3 had these events start 9 to 18 months after they applied with our companySo, if this were you, would you rather be insured with me or where you’re at now?
  • Transcript

    • 1. USA Benefits GroupAmerica’s #1 Online Agency
    • 2. Your Agent USA Benefits Group Your Robert F Naples Picture Here CLU, RHU, ChFC, AAI, LUTCF Robert F Naples | CLU, RHU, ChFC, AAI, LUTCF 24 Warbler Lane | Durham, NC 27712-9506 Phone: 919-477-1808 | Fax: 919-477-1808 Toll Free: 800-893-3819 | Cell: 919-949-5671 rnaples.usabg.net | rnaples@usabg.net Insurance & Financial Services since 1969Health | Medicare Supplement | Long-Term Care | Life | Annuities
    • 3. Doing the shopping so you don’t have to EDUCATION • ABS-Husson University • BBA-St. John’s University-The College of Insurance • MBA-Georgia State University • PhD (ABD)-Georgia State University TRAINING • CLU-Chartered Life Underwriter • RHU-Registered Health Underwriter • ChFC-Chartered Financial Consultant • AAI-Accredited Adviser in Insurance • LUTCF-Life Underwriter Training Council Fellow EXPERIENCE • Insurance & Financial Services since 1969 • Formerly Assistant Professor of Finance, Insurance & Real Estate COMMITMENT • Dedicated to superior customer service • Annual Reviews TOLL-FREE CUSTOMER SERVICE • Personal and Professional Attention • Knowledge and Dependability • Promptness in Handling Your Requests
    • 4. Providing Insurance Solutions for 22 Years• About USA Benefits Group – Nationwide network of insurance professionals serving small business owners and the self-employed since 1988. – Non-captive agents with the knowledge to work for you, not the insurance company. – BBB rating of A+• Stability – 23 years of providing insurance solutions for the WHAT IF of life! – Over $300 million in business, while insuring thousands of families nationwide. – We have witnessed over a half a billion dollars in claims. We know health care, and what you need to protect your family.• Security – Working with top rated companies as determined by the A.M. Best Company. – Totally secure online platform-HIPAA compliant. – Nationwide fully licensed independent agents.
    • 5. Choose Benefits That Meet Your Family’s Needs An individual can expect a major claim (excluding maternity) once every 20 years The American Hospital Association states that of these hospital admissions, 82% are due to either critical illness (68%) or accidents (14%) Average 7.6 months of recovery with total or partial loss of income 75% of all healthcare dollars are spent on these claims and 52% of all bankruptcies are caused because of them – even though 59% had health insurance But 60% of all medical claims are less than $1,000, so you need excellent 1st dollar outpatient care including, doctor visits, wellness and unlimited Rx benefits 50 45 40 35 30 25 20 % 15 10 5 0 $0 - $500 $500 - $1,000 - $5,000 - $10,000 - Over $1,000 $5,000 $10,000 $25,000 $25,000
    • 6. The What If of Life• Cancer – Every 24 seconds someone in the US is diagnosed with cancer – 50% of families use up all or most of their savings – In the last 10 years the survival rate has gone up 30%• Heart Attack/Heart Surgery – 1.2 million heart attacks & 800,000 surgeries per year – Every 26 seconds someone in the US is having a coronary event• Accidental Injuries – There is an accident every minute in the US that requires ER treatment or a hospital stay – 2 Million hospital stays per year – 30 Million ER visits per year due to accidents – Plus over an additional 30 million doctor visits• Average of 7.6 months of recovery
    • 7. Points to Ensure You Get What You NeedDoes your current plan:• Have unlimited doctor office visits• Have unlimited wellness benefits after 3 months• Have unlimited Rx benefits• Give you 100% of all PPO discounts to help cover out-of-pocket expenses• Provide a reducing deductible up to 50%• Guarantee the rates for 2 YEARS for financial security• Pay the deductible for CANCER then cover claims at 100% to $3 million, plus provide $42,000 cash so you can recover• Pay the deductible for HEART ATTACK then cover claims at 100% to $3 million, plus provide $42,000 cash so you can recover• Pay the deductible for ACCIDENTS then cover claims at 100% to $3 million, plus after 90 days pay $1,500 per month for 2 years• Pay a death benefit of $100,000 to your family if you die
    • 8. USABG COMBO PLAN ALL THESE BENEFITS FOR THE SAME OR LESS PREMIUM! WHICH STOOL WOULD YOU PREFER ? 80/20 HEALTH PLAN 80/20 HEALTH PLAN ONLY 100% ON ACCIDENTS 2 YR RATE LOCKUNLIMITED Dr + Rx + WELLNESS $50,000 FIRST DIAGNOSIS CANCER + HEART TRANSPLANTS $100,000 LIFE + ACCIDENT DISABILITY INCOME $1,500
    • 9. What if this happened to you? What would you do? $314,137 OUR GOALS ARE VERY SIMPLE Breast Cancer USABG COMBO PLAN• 65 days of confinement and 3 surgeries• 10 MONTHS OF LOST INCOME Pay The Bills 100%• Bill paid 100% + $62,000 lump sum cash for Provide Income + You Recover living expenses and to recover $442,427 Heart Attack• 94 days in the hospital, 2 surgeries and staff infection• 13 MONTHS OF LOST INCOME• Received $50,000 on diagnosis $487,000 Multiple injuries, fall from roof• 105 days of confinement and 7 surgeries• 19 MONTHS OF LOST INCOME• Bill paid 100% + $1,500 for 16 months
    • 10. A Few Questionsto make sure you get what you want • How old are you? ___ Spouses name and age? _____ • How many dependant children will be covered? ____ • Does anyone have any pre-existing health conditions? _____ • Is anyone taking any prescription drugs regularly? ___ • Has anyone been hospitalized in the last 5 years? ___ • Is anyone currently pregnant? ____ Are you planning a larger family?_____ • Do you spend more than $350 (individual) or $750 (family) per year on prescription drugs? _____ • Do you go to the doctor more than 7 times (individual) or 14 (family) due to sickness? _____ • What is your current monthly cost? _____ Have you had any/many rate increases? _____ • Do you have a managed-care plan or HMO plan? ___ • What do you like about your current coverage? ____ • What do you dislike about your current coverage? _____ • What do you feel is the most important reason why you should carry health insurance? _____
    • 11. Getting Started/Enrollment Procedure • Complete application for health insurance Submit initial deposit of first month’s premium and an administrative fee. (varies per company) • Future premium payments made by Monthly Bank Draft (M.B.D.) Ensures your coverage won’t be interrupted because of a missed payment. Other options may vary. • 1-3 Week Evaluation Period May be longer depending upon medical requirements. • Insurance company issues your new policy After your application has been reviewed and approved. Do not cancel previous coverage until approved. • Deposit is fully refundable If your application is not approved by the insurance company.
    • 12. Can you afford to be without Health Care Protection? Examples of doctor and hospital expenses • Diabetes Mellitus (73 days of hospital confinement) $90,755 • Cervical Cancer (95 days of hospital confinement) $114,147 • Closed head injury – vehicle accident (105 days of hospital confinement) $152,392 • Gastritis and acute vascular insufficiency (194 days of hospital confinement) $242,427 • Septic shock due to Weil’s Disease (Multiple hospital confinements) $949,583
    • 13. Summary• Dedicated to paying catastrophic hospital and doctor bills 100%.• Plus provide income protection for CANCER + HEART + ACCIDENTS.  82% of hospital admissions are due to either critical illness (68%) or accidents (14%)  Average 7.6 months of recovery with total or partial loss of income Robert F Naples | CLU, RHU, ChFC, AAI, LUTCF 24 Warbler Lane | Durham, NC 27712-9506 Phone: 919-477-1808 | Fax: 919-477-1808 Toll Free: 800-893-3819 | Cell: 919-949-5671 rnaples.usabg.net | rnaples@usabg.net Insurance & Financial Services since 1969 Health | Medicare Supplement | Long-Term Care | Life | Annuities