Dental, Vision & Hearing A Plan with Choices for You and Your Clients!

Why Offer DVH Plans According to LIMRA, Dental Insurance is the #1 product clients ask about. DVH plans are Guarantee Issue – No Health Questions! Medicare does NOT cover dental, vision or hearing expenses except for VERY limited situations Just 12 percent of Americans over 65 have dental insurance*. DVH is just as important under 65 and it is over age 65. Top producing agents are attaching DVH to 1/3 of their health insurance sales, both over & under age 65. Great way to make money during the Med Adv Enrollment Season while waiting for Med Adv commission to be paid months later. Same goes for ACA sales. DVH Sales increase your overall client persistency - The more policies a client has with you the less likely they’ll work with any one else. *http://content.healthaffairs.org/content/35/12/2241.abstract

What Separates Manhattan Life’s DVH Plans from the Competition CUL offers the best combination of premiums, benefits and commissions on any DVH plan on the market! No Networks! Any Dentist. The client can use their full $1,000 or $1,500 annual maximum on Dental, Vision or Hearing! There are no lower caps on Vision and Hearing. Think of the benefit amount as a “Pool of Money” that can be used however they wish. 80% coinsurance on “Major” Dental, Vision & Hearing claims starting in year 3. Other plans cap Majors at 50 or 60 percent. National Premiums, Benefits & Commissions. Industry leading electronic enrollment platform that uses the client’s “Mother’s Maiden Name” as their signature. It’s that easy! Dental Cleanings and fillings are covered immediately and there’s no annual limit on fillings. There’s no limit on tooth extractions so long as all teeth are not removed. Family Plans are Available

Product Highlights Anyone age 18-85 $1,000 - $1,500 policy year benefit option available Guaranteed Issue Guaranteed Renewable FOR LIFE Choose your Dentist – NO NETWORKS Family Rates (Includes maximum of 3 children) Individual 18 – 85

Check Out These Rates! $1,000 Policy Year Maximum Individual Monthly Premium 18-39 $27.50 $36.33 40-54 $29.75 $38.50 55-64 $31.92 $41.83 65-74 $34.17 $45.17 75-85 $39.25 $51.92 Family Monthly Premium $88.00 $116.17 $92.42 $120.58 $96.83 $127.17 $101.25 $133.75 $116.42 $153.83 Additional Children (Family Rates include 3 children) Charge $1,000 Policy Year Maximum $1,500 Policy Year Maximum Individual Monthly Premium 3-17 $20.67 $ 27.25

The Ease of Enrollment & Claims Filing Enrollment Options: Electronic Application with security questions as clients e-signature. Best eApp in the business. Paper Applications: Mail or Fax Payment Options: Annual, Semi-Annual, Quarterly or Monthly Bank Draft (EFT) Check or EFT Options Policies can be effective any day of the month Available bank drafts dates are the 1st-28th of the month How DVH Claims are Paid Claims are paid based on “Usual & Customary” Charges Comprehensive Exam - $71.73* Prophylaxis (Teeth cleaning) - $79.60* Bitewing X-Rays (4) - $57.57* Crown - $1,018.37* Claims Filing Process If the provider will file with CUL they will be paid direct from CUL If the provider will not file, the client will need to pay the provider directly and be reimbursed by CUL. *Central United Life DVH claim example

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“Spouse in the House” Med Sup agents are asking “is there a spouse in the house?” It’s necessary to determine if they are eligible for a HHD with carriers that offer a HHD if they have a Roommate/Spouse under 65 ACA plans do not cover adult dental, hearing aids or glasses/contact lenses A DVH plan helps “fill the gaps” in an ACA plan just like with Med Sup/MA. DVH benefits are the same over/under 65 Great way to increase income and drop the cost per acquisition (CPA). Odds of writing the under 65 spouse/roommate a Med Sup/MA Plan when they turn 65 is much better if you sell them a DVH Plan FOR AGENT USE ONLY

How to Cross Sell DVH It’s up to you to “start the conversation” and help your client understand their exposure when it comes to DVH. When was the last time you had your teeth cleaned? “How many agents sold their first insurance presentation?” Talk about DVH with every client. Your presentation will get better with practice! Few Med Adv plans still cover Dental, Vision or Hearing Turning 65 is the perfect time to discuss DVH. Show how Medicare offers almost ZERO DVH benefits. Don’t forget “The Spouse in the House” Pivot to offering DVH if you have an uninsurable Med Sup client or an Med Adv client during the “Lock-in” period Sell something

How to Cross Sell DVH Continued If replacing a Med Sup with a lower cost Med Sup, combine the new Med Sup price with a DVH plan. It’s harder to cross sell another policy after you quote the premium savings before asking for the DVH sale. They’ve already spent the savings. Timing is key. Contact your current Med Sup, Med Adv & ACA clients. They want to hear from you! Show them why spending a dollar a day for a DVH plan is a great use of their money.

Common DVH Objections & How to Overcome Them I’ve never seen the value in a DVH plan. Avg Social Security Check is $1,372 per month My dentist doesn’t take insurance Does he take cash?!? I don’t have any teeth Do you have dentures, wear glasses or have hearing aids? I need coverage for Major Dental Work NOW! Extractions and cleanings are covered immediately. Start your coverage today and receive 70% coverage on Majors in year 2 and 80% in year 3!

DVH Questions to Ask Prospective Clients “Who do you have for Dental Insurance?” “When was the last time you had your teeth cleaned?” “Are you aware that Medicare offers ZERO coverage for routine Dental, Glasses, Contacts or Hearing Aids?” The good news is $1,000 of DVH coverage costs about $1 per day! Ask one of these questions to EVERY person you talk to!

What’s In It for Me?!? Average annual premium is $425 Maximum 6 month advance 40% 1st Year Commission in All States 5% Renewal Comp (Years 2+) $425 x 40% = $170 in 1st year commissions 1 sale per week = $8,840 in new DVH commission on top of your Med Sup, Medicare Advantage or Individual Health commission from the same client! For Agent Use Only

Agent Incentives Chairman’s Club - 7 day trip to Portugal! New agents contracted after September 1, 2017 qualify with 95,000 credits before April 30, 2018 Presidents Club – 5 day trip Laguna Beach, CA! New agents contracted after September 1, 2017 qualify with 75,000 credits before April 30, 2018

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