Employee seminar presentation

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  • If you want to know more about this AMAZING - Worksite Marketing’ (OR Individual sales) opportunity, call Ken at 623-977-3411 or email Ken at ImsKen@cox.net . Our IMO (Agents Insurance Sales & Service) represents American General Life & Accident, Nashville, TN (aka....AGLA) and we can contract you, train you and support your business from submission to commission.
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  • <Hand out business card and/or Prestige brochure> Hello my name is _____ with American General Life and Accident Insurance Company. I work with many businesses like yours to craft effective solutions for the employees of small business America. <Review Prestige brochure> <Talk a little about yourself> <For example: “I’ve been with American General Life and Accident for ______ years. My office is located right here in _____.” >
  • Let me begin by congratulating you on working for an employer who demonstrates a concern for their employees and understands your need for ample time and professional assistance to enable you to make good decisions regarding benefits for you and your family. In a time when many companies are eliminating employee benefits, your employer has chosen to do the exact opposite. He/she is expanding your benefits by offering additional options and granting you access to a licensed insurance professional. This supports a consultative approach to risk analysis that will enable you to make informed decisions about your benefits…as you’ll learn in today’s seminar.
  • Let me take a moment to tell you a little about our company and what we do. At American General Life and Accident Insurance Company, our mission and strategy is to be a company dedicated to changing the way Americans think about, purchase and use life insurance. By offering superior differentiated solutions to become the # 1 life insurance company for America’s broad middle market. We are committed to meeting the needs of employees through our voluntary benefit products and services. Our local presence affords us a distinct distribution advantage to be able to utilize a consultative approach to assist you in making informed decisions.
  • As you can see, American General Life and Accident Insurance Company has been providing security to Americans for over 100 years. We’ve paid over $3.6 Billion in benefits in the last 5 years. We have over 7.8 million policies in-force which are serviced by licensed insurance professionals.
  • When making a decision concerning voluntary benefits, it’s always important for you to consider the ratings of the company you do business with. The most prominent independent rating agencies continue to recognize our company in terms of insurer financial strength and claims paying ability. You can visit our web-site for more information.
  • In the past you may have taken advantage of traditional voluntary benefit programs which enabled you to have a wide array of coverage available through single need type products, such as:  Term or permanent life insurance  Accident Insurance  Critical Illness Insurance  Cancer Insurance  Disability Insurance  Supplemental Health Insurance However, experience has demonstrated that the traditional approach has limitations.
  • The problem with this approach is that you may have been provided a folder of product brochures for eight or ten products and were then asked to select which products best met your needs…without guidance in understanding how to assess risk associated with each product solution Many times, with limited funds, you are forced to decide whether to spend your premium dollars on life insurance, cancer insurance, disability insurance or some other single need type coverage—possibly gambling on the wrong option .
  • This creates an Information or decision making dilemma, which many times leads to anxiety. <Read quote from slide>
  • This is where we, as American General Life and Accident, distinguish ourselves from the competition. Rather than asking you to gamble as you choose how to spend your premium dollars—we prefer to use a consultative approach to educate you about the risks you face and enable you to make informed decisions that will provide greater financial security. We offer a superior differentiated solution that may enable you to secure protection for multiple coverage needs, under one policy, with one premium commitment.
  • These superior differentiated solutions are available in AGLA’s Quality of Life…Insurance products. It’s life insurance you truly don’t have to die to use. I’d like you to take the next 4 min to view a video that highlights the Quality of Life…Insurance solution.
  • <The video should load in a few minutes and automatically play.> <If you have not downloaded the “4 Minute Quality of Life…Insurance” video onto the SmartPad, this screen will remain black and the video will not play.> <To advance the slide, be sure to tap on the screen, but not in the black square (where the video would be displayed).> <Tapping on the black square during the video will cause the video restart from the beginning.>
  • Quality of Life…Insurance is changing the way American’s think about, purchase and use life insurance. Traditional life insurance is designed to provide security for your loved ones in the event of your premature death. What about financial help during critical or long-term chronic illnesses …or income if you become disabled? Quality of Life…Insurance offers you the flexibility to access cash value to provide money to supplement your retirement or for other needs.
  • <Read Slide> Quality of Life…Insurance is an affordable, flexible and more useful approach to what today’s families need. It’s innovative coverage that can help in case of a heart attack, stroke, or invasive cancer. It’s life insurance you don’t have to die to use.
  • Obviously, this program holds many advantages for you that begins with a consultative approach aimed at providing greater financial security for you and your family. More importantly, after attending this seminar, those interested in learning more will have access to licensed insurance professionals that will assist with fact-finding, risk assessment, and product solution design. This can help remove the anxiety of gambling on uninformed choices and/or spending your premium dollars ineffectively. You will have access to competitively priced coverage which is completely portable and enjoy the ease and convenience of payroll deduction.
  • Here’s a true story of how one of our policyholders benefited from Quality of Life…Insurance. <Decide in advance which claims story you will review in depth and provide the handout for whichever story you choose to all seminar participants> <Only review the quotes in bold on slide for the story that is not being distributed.>
  • Here’s a true story of how one of our policyholders benefited from Quality of Life…Insurance. <Handout the Stacie Starkey story or read the bolded quotes on the slide (if providing the Chad Darby story).>
  • Your employer has approved expanded interview time for you to schedule a complete fact-finding / solutions interview…with a licensed insurance professional…here at the worksite. <If applicable> You may desire to have your spouse present for the individual interview. Please see me to discuss that option.
  • I think you can see this program can hold significant value for you by allowing you to structure the program which best meets your individual or family needs. At this time, lets take a look at the benefit assessment survey. <Walk the employees through completing the survey.>
  • <Situational Closing> After reviewing your completed benefit surveys, we will be working with your employer to schedule your personal appointments on Wednesday or Thursday of next week. I appreciate your time and look forward to meeting with you to address any of your individual questions.
  • Employee seminar presentation

    1. 1. A New Consultative Approach to Voluntary Benefits
    2. 2. Today’s Business Reality <ul><ul><li>Congratulations! </li></ul></ul><ul><ul><li>In a time when many companies are eliminating benefits… </li></ul></ul><ul><ul><li>Your Employer is: </li></ul></ul><ul><ul><ul><li>Expanding your benefits </li></ul></ul></ul><ul><ul><ul><li>Offering additional options </li></ul></ul></ul><ul><ul><ul><li>Granting access to a licensed insurance professional </li></ul></ul></ul><ul><ul><ul><li>Supporting a consultative approach to risk analysis </li></ul></ul></ul><ul><ul><li>Beginning today with this seminar! </li></ul></ul>
    3. 3. <ul><li>Mission & Strategy </li></ul>American General Life and Accident Insurance Company <ul><ul><li>Dedicated to Changing the Way Americans Think About, Purchase and Use Life Insurance ® . </li></ul></ul><ul><ul><li>Offer superior differentiated solutions to become the #1 life insurance company for America’s broad middle market </li></ul></ul><ul><ul><li>Committed to meeting the needs of employers and employees through our voluntary benefit products and services </li></ul></ul><ul><ul><li>A distinct distribution advantage that utilizes a consultative approach to assist employees in making informed decisions </li></ul></ul>
    4. 4. Commitment to Our Customers <ul><ul><li>Provided financial security to Americans for over 100 years </li></ul></ul><ul><ul><li>Paid over $3.6 billion in benefits during the last five years* </li></ul></ul><ul><ul><li>Over 7.8 million policies in force* </li></ul></ul><ul><ul><li>Professional sales force of licensed insurance professionals </li></ul></ul>*As of November, 2008
    5. 5. Consider the Financial Ratings of the Company <ul><li>American General Life and Accident has Solid Ratings. </li></ul><ul><ul><li>Strength </li></ul></ul><ul><ul><li>Stability </li></ul></ul><ul><ul><li>Security </li></ul></ul>The most prominent independent rating agencies continue to recognize our company in terms of insurer financial strength and claims paying ability. You can visit our web-site www.agla.com for more information. Home Office - Nashville, Tennessee
    6. 6. Traditional Voluntary Benefits <ul><li>Traditional Voluntary Benefit programs offer a wide array of coverage through single need type products such as: </li></ul><ul><ul><li>Term or Permanent Life Insurance </li></ul></ul><ul><ul><li>Accident Insurance </li></ul></ul><ul><ul><li>Critical Illness Insurance </li></ul></ul><ul><ul><li>Cancer Insurance </li></ul></ul><ul><ul><li>Disability Insurance </li></ul></ul><ul><ul><li>Supplemental Health Insurance </li></ul></ul>Experience has Demonstrated Limitations
    7. 7. Traditional Approach <ul><li>The Problem for Employees: </li></ul><ul><ul><li>Provided a folder of product brochures and asked to select which products best meet their needs </li></ul></ul><ul><ul><li>Without guidance in understanding of how to assess risk associated with each product solution </li></ul></ul><ul><ul><li>Forced to decide whether to spend their limited premium dollars on: </li></ul></ul><ul><ul><ul><li>life insurance  disability insurance </li></ul></ul></ul><ul><ul><ul><li>cancer insurance  or other single need coverage </li></ul></ul></ul>Many times…gambling on the wrong option!
    8. 8. <ul><ul><li>Market research indicates the traditional enrollment approach is leading to anxiety or inaction by the employee. </li></ul></ul>“ Too often, workers have to make decisions about which benefits they need and how much to spend on them without understanding the risks they face or the best choices to protect themselves and their families. As employees become benefits decision-makers, they also need providers and employers to give them useful information on how to make those choices.” * “Unum Reports Workers Underestimate Risks, Lack Safety Net” InsuranceBroadcasting.com, as seen on 9/26/08. Information/Decision Making Dilemma Insurance Newscast
    9. 9. AGLA’s Differentiated Approach <ul><ul><li>You don’t have to gamble as you choose how to spend your premium dollars </li></ul></ul><ul><ul><li>We prefer a consultative approach to educating employees on the risk they have </li></ul></ul><ul><ul><li>Enables you to make informed decisions that will provide greater financial security </li></ul></ul><ul><ul><li>AGLA’s Superior Differentiated Solutions </li></ul></ul>Multiple Coverages Under One Policy With One Premium Commitment
    10. 10. AGLA’s Differentiated Solution <ul><li>These superior differentiated solutions are available in AGLA’s Quality of Life…Insurance SM products. </li></ul><ul><li>It’s life insurance you truly don’t have to die to use. </li></ul>
    11. 11. Quality of Life…Insurance SM Please wait. The video will begin shortly. When finished, please tap outside this box to continue.
    12. 12. Changing The Way Americans Think About, Purchase And Use Life Insurance ® You now have choices on how to use your life insurance: <ul><ul><li>Life insurance to help take care of loved ones </li></ul></ul><ul><ul><li>Accelerated Benefit Riders to help with the costs of critical or long-term chronic illnesses or conditions </li></ul></ul><ul><ul><li>Income if you become disabled </li></ul></ul><ul><ul><li>Cash Value to supplement your retirement income, or to help with other needs </li></ul></ul>
    13. 13. Preserve Your Quality of Life <ul><ul><li>Quality of Life…Insurance SM is an affordable, flexible and more useful approach to what today’s families need. It’s innovative coverage that can help in case of a heart attack, stroke, or invasive cancer. </li></ul></ul><ul><ul><li>It’s life insurance you don’t have to die to use. </li></ul></ul>
    14. 14. Employee Advantages <ul><ul><li>A consultative approach aimed at providing greater financial security for employees and their family </li></ul></ul><ul><ul><li>Access to licensed insurance professionals who specialize in risk assessment and product solution design </li></ul></ul><ul><ul><li>Removes anxiety over gambling on uninformed choices and/or spending your premium dollars ineffectively </li></ul></ul><ul><ul><li>Competitively priced, portable coverage </li></ul></ul><ul><ul><li>Convenient premium payments by payroll deduction </li></ul></ul>
    15. 15. Chad Darby’s Story “ I would recommend this policy to anyone. Buying my ‘Quality of Life…Insurance’ policy with American General Life and Accident was the best decision I ever made.”
    16. 16. Stacie Starkey’s Story <ul><li>“ I would recommend Quality of Life to anybody that doesn’t have it already… It’s a great policy to have, and you don’t have to die to benefit from this.” </li></ul>
    17. 17. Employee Choice <ul><li>Your employer has approved and is allowing you to choose to: </li></ul><ul><ul><li>Obtain additional information about the products and services we provide </li></ul></ul><ul><ul><li>Attend a complete fact-finding and solutions based interview at the worksite </li></ul></ul><ul><ul><li>Take additional time for these meetings </li></ul></ul>
    18. 18. Your Money… Your Insurance… Your Choice <ul><li>AGLA’s Voluntary Benefit program can hold significant value by allowing you to structure the program to best meet your individual or family needs. </li></ul><ul><li>Let’s begin by completing the Benefit Assessment Survey card. </li></ul>
    19. 19. A New Consultative Approach to Voluntary Benefits

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