Increased commissions on both the Medical and Life sale
Available with CoreMed, MaxPlan and OneDeductible plans
Underwritten by Time Insurance Company
* Point increase varies based on your current commission level. Rates based on the CoreMed plan, MI, ZIP 49201, $2,000 deductible, 80% benefit percentage, $6 million lifetime maximum, $0 facility fee, effective date of 5/1/2007, Male age 42 (primary insured, standard rates), spouse age 42 (preferred rates), two children. $50,000 face value — primary insured only Note: Spouse-only coverage is also available. Life Insurance — Commission Example $1,364 Medical with Life Commission ($3,590 x 38%) $1126 Medical-only commission ($3,413 x 33%) What you’ll earn: $3,590 TOTAL $ 177 Life annualized premium $3,413 Medical coverage annualized premium Premium: Earn an additional $238!
Hospital Indemnity Insurance is available with CoreMed ® , MaxPlan ® and RightStart ® plans
Examples of benefits:
Example: Single Male, Age 41 Premium: $19.88/Month $250/surgery Outpatient Surgery $100/trip $1,000/trip Ambulance Ground Air Up to 2 trips/year per insured individual $50/day Rehabilitation Unit $5,000/person Coma, Stroke or Paralysis $100/day $200/day Hospital Confinement for Accidents Days 1 – 15 Days 16 – 180 $50/day $100/day $50/day Hospital Confinement for Sicknesses Days 1 – 15 Days 16 – 180 Confinement beginning in the first 28 days after birth $200 Initial Hospitalization
Policy Delivery — Dental and Hospital Indemnity
Complete the entire process online or offline − no paperwork
“ One and Done” − no follow-up call required
Healthy applicants answer as few as 17 questions
Policies issued in 24-48 hours
You choose how involved you want to be
Uses 5-year medical history
Increased placement — 75% of applicants are issued without talking to an underwriter!
Five Steps for Express Underwriting Step 1: Run quote and complete the client demographic information. Select “Begin Submission” in Software to enter health history. Step 2: You complete the 17 health questions with client. Step 3: You upload completed application to Assurant Health via EASE. Step 4: Assurant Health sends online confirmation and link to verifyhealth.com — you forward to client for their verification. Step 5: Client attests to information and submits back to Assurant Health for issue. Result: An issued policy in as few as 24-48 hours.
Completing the Health Questions Healthy clients quickly answer only 17 questions! Overall experience is improved for ALL clients – Policies can be issued in as few as 24 hours.
If a Client Answers “Yes”... Answers to certain questions prompt follow-up questions that are completed online Clients with extensive medical history may receive a call from an underwriter The Result: a faster, more efficient experience
Online Verification EASE includes a simple online verification process Clients receive link to verify their information online
Give your clients greater control over their health care costs now and for years to come.
Relaxed claims criteria
A clean slate each renewal period
This presentation provides summary information. For a complete listing of benefits, exclusions and limitations, please refer to the certificate of insurance. For agent use only. Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Union Security Insurance Company and John Alden Life Insurance Company. Form J-51700 (3/07) Thank You