2. ► Over 60 years of combined insurance
experience
► Use of Unique Benefit Strategies and Financial
Risk Management
► Relationships currently in place remain the
same
About our Company
3. What our Clients have been Experiencing
► Rising costs of out of pocket expenses
► Cost sharing plans are becoming more popular:
Higher co-pays and deductibles
► Employees are now at a greater financial risk,
with nothing in place to offset those costs
4. Review your Benefit Portfolio
Business A vs Business B
Current Benefits
► Medical
► Dental
Corporate Benefits
► Medical
► Dental
► Life
► Disability
► Accident Coverage
► Hospitalization Coverage
► Cancer/Critical Illness
5. Medical Insurance
Deductibles
$2,000
ACCIDENTAL
$1,250 first day
$2,650 I.C.U.
$250 days 2 thru 365
HOSPITALIZATION
$500- $3,000 G.I.
Daily Benefit Option
Accident/Sickness/Maternity
CATASTROPHIC/
CRITICAL ILLNESS
$5,000-$30,000
First Occurrence
6. Examples on how to protect your employees
Current benefit program:
John is single and makes
$40,000 he then goes out
on disability: John gets
65% of his salary capped
out at $1,500/month
with State Disability for 6
months
Comprehensive Program:
► John will still get his
State Disability and now
have the option to
purchase more disability
up to the 65%
► John now receives
$1,500/month and an
additional $1,500 from
his voluntary program
7. Examples on how to protect your employees
Current Benefits Program
► Sarah and Bob are
married: Bob is
diagnosed with cancer
and they use their
medical insurance. Their
max out of pocket is
$10,000. Sarah takes
time off of work to drive
Bob. Loss of both
incomes and bills pile up
► Number one cause of
bankruptcies in America
Comprehensive Program
► Sarah has the option to
purchase a
cancer/critical Illness
program. She chooses
$20,000 for her and her
spouse. Sarah receives
her check of $20,000 7-
10 days later, and now is
financially protected.
8. Examples on how to cover your employees
Current Benefits Package
Paul and Amy have 2
children who participate
in sporting activites. One
of their children are
hospitalized due to a
concussion for 3 nights.
Paul and Amy both take
off and have a $2,500
deductible along with
daily expenses.
Comprehensive Package
Paul and Amy purchased
the option of fully
funding their deductible
along with accidental
coverage. They received
$2,500 for the
hospitalization as well as
$1,250 for the accident.
They had an additional
$250 a night totaling
$4,250.
9. Overall value of our comprehensive package
► No additional cost to the business
► Payroll deducted and small tax benefit: most
programs can be done pre-tax lowering gross
payroll
► Employees are educated and now have a
solution to protect their financial exposure
10. Implementation
Setup a day and time to educate and engage your
staff
Setup a day and time to enroll the employees
interested: 2-3 days after the education
