Ovation - Services & Supplemental

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Brief slide show on Ovation's services with a focus on the need for supplemental insurance - like Aflac, Assurant, or Colonial.

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Ovation - Services & Supplemental

  1. 2. who we are… Daniel LaBroad, President, Ovation Health & Life Services, Inc A progressive insurance brokerage partnering with business owners to bring a more secure future to their employees and themselves. “ We’re making people insurance smart with products that makes sense.” OVATION
  2. 3. who we are… individual providing a complete insurance package to protect the lifestyle we work so hard to achieve and maintain broker expanding broker product portfolios to increase revenue from existing clients, aid in attracting new clients, and promote a stronger client-broker relationship business partnering with a business to create a new employee benefit program or to enhance their existing one, while increasing their bottom line OVATION
  3. 4. unique services <ul><li>on-site employee benefit presentations, enrollments, and personal claim service </li></ul><ul><li>complimentary section 125 cafeteria POP plan set-up </li></ul><ul><li>employee marketing </li></ul><ul><li>chamber of commerce discounts </li></ul><ul><li>health coalitions </li></ul><ul><li>complete benefit programs offered at no cost to employers </li></ul>OVATION
  4. 5. products offered <ul><li>HEALTH INSURANCE </li></ul><ul><li>DISABILITY </li></ul><ul><li>DENTAL </li></ul><ul><li>VISION </li></ul><ul><li>LIFE </li></ul><ul><li>LONG-TERM CARE </li></ul><ul><li>DISCOUNT PROGRAMS </li></ul><ul><li>CRITICAL ILLNESS </li></ul><ul><li>SUPPLEMENTAL </li></ul>All of these can be offered at no cost to your business. OVATION
  5. 6. supplemental policies <ul><li>ACCIDENTAL INJURY </li></ul><ul><li>DISABILITY </li></ul><ul><li>HOSPITALIZATION </li></ul><ul><li>SICKNESS INDEMNITY </li></ul><ul><li>HEART ATTACK & STROKE </li></ul><ul><li>CANCER </li></ul>In case of an accident or illness, supplemental policies pay cash benefits directly to you, regardless of any other insurance you may have. OVATION
  6. 7. MEDICAL $ BILLS RENT/ MORTGAGE CAR PAYMENT UTILITIES LOANS CREDIT CARDS ETC. COPAYS DEDUCTIBLES CO-INSURANCE MISC. SUPPLEMENTAL HEALTH INSURANCE DOCTORS HOSPITAL AMBULANCE Rx $$ $ $ LIFE CHART OVATION
  7. 8. benefit to… <ul><li>the employer </li></ul><ul><li>seen as good guy </li></ul><ul><li>fills in the gaps </li></ul><ul><li>no cost </li></ul><ul><li>minimum administration </li></ul><ul><li>lowers payroll cost, lowers FICA </li></ul><ul><li>increases employee retention </li></ul><ul><li>the employee </li></ul><ul><li>portable </li></ul><ul><li>rates guaranteed </li></ul><ul><li>affordable </li></ul><ul><li>voluntary </li></ul><ul><li>cash </li></ul><ul><li>protect their assets </li></ul>OVATION
  8. 9. Which is right for me? OVATION
  9. 10. accidental injury <ul><li>In 2001, about 37% of all hospital emergency room visits in the united States were injury related. 1 </li></ul><ul><li>A fatal injury occurs every 5 minutes, and a disabling injury occurs every 1.5 seconds. 1 </li></ul><ul><li>There is a death caused by a motor vehicle crash every 12 minutes; there is a disabling auto injury every 14 seconds. 1 </li></ul><ul><li>In the home, there is a fatal injury every 16 minutes and a disabling injury every 4 seconds. 1 </li></ul><ul><li>1 Injury Facts, 2003 Edition, National Safety Council </li></ul>OVATION
  10. 11. heart attack & stroke <ul><li>One in four adults has some form of cardiovascular disease; about 71 million. 1 </li></ul><ul><li>Coronary artery disease, is a leading cause of premature permanent disability among working adults, costs the US more than $400 billion per year in medical expenses and lost productivity, and is responsible for almost six million hospitalizations each year. 2 </li></ul><ul><li>1 US Centers for Disease Control (CDC) </li></ul><ul><li>2 US Department of Health and Human Services, April 2003 </li></ul>OVATION
  11. 12. cancer <ul><li>In the United States, men have a little less than a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3. The five year relative survival rate for all cancers combined is 63%. 1 </li></ul><ul><li>More than 1.3 million Americans were diagnosed with cancer in 2003. 1 </li></ul><ul><li>Cancer is the leading cause of medical bills in the United States. 2 </li></ul><ul><li>Medical bills are the leading cause of bankruptcy in the United States. 2 </li></ul><ul><li>63% of all cancer related expenses are not covered by health insurance. 1 </li></ul><ul><li>1 American Cancer Society, Cancer Facts & Figures, 2004 </li></ul><ul><li>2 “Illness And Injury As Contributors to Bankruptcy”, David U. Himmelstein, Elizabeth Warren, Deborah Thorne, </li></ul><ul><li>and Steffie Woolhandler, Harvard Medical Review </li></ul>OVATION
  12. 13. disability <ul><li>Every year, 12% of the adult population suffers a long term disability. 1 </li></ul><ul><li>56% of U.S. adults said they would be unable to pay bills or meet expenses if they became disabled and could not work for six months or longer. 3 </li></ul><ul><li>For the second consecutive year, Americans have had a negative savings rate and are becoming increasingly exposed to financial problems due to insufficient savings. 3 </li></ul><ul><li>At the age of 35, you stand a 50% chance of experiencing a three-month or longer disability before you reach 65. At the age of 45, the figure is 44%. 1 </li></ul><ul><li>Advances in medicine are allowing us to live longer. However, recovery from a serious illness or injury often requires time away from work. </li></ul><ul><li>In the last 20 years, deaths due to the big three (cancer, heart attack, and stroke) have gone down significantly. But disabilities due to those same three are up dramatically! Things that used to kill now disable. 2 </li></ul><ul><li>How will you survive “the living death” ? </li></ul><ul><li>1 National Safety Council, Injury Facts, 2003 Edition </li></ul><ul><li>2 National Association of Health Underwirters, 2004 </li></ul><ul><li>3 NAIC Press Release, February 28, 2007 </li></ul>OVATION
  13. 14. what next… <ul><li>make a decision to help your employees </li></ul><ul><li>choose benefits </li></ul><ul><li>sign account set-up and hold-harmless agreement </li></ul><ul><li>schedule employee enrollment meetings </li></ul><ul><li>presentation and enrollment </li></ul><ul><li>set up deductions with payroll </li></ul>OVATION
  14. 15. questions & answers We look forward to working with you in the future. “ We’re making people insurance smart with products that makes sense.” OVATION

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