That’s Right! Health Insurance Brokers will Never Understand Voluntary Benefits

The Basics Health Insurance Brokers are good shoppers. Health Insurance Brokers are good shoppers. Health Insurance Brokers know that someone has to get fired before they get hired. Health Insurance Brokers know that someone has to get fired before they get hired. The least expensive price is the best price. The least expensive price is the best price. Spread sheets rule. (See Brokers are good shoppers) Spread sheets rule. (See Brokers are good shoppers)

Why should Health Insurance Brokers Do Worksite? Increases income, hmmmm… Increases income, hmmmm… A good defensive strategy A good defensive strategy What is the future of health insurance commissions? (We all know the answer.) What is the future of health insurance commissions? (We all know the answer.) Keeps the competition out. My bet is someone is already doing worksite in your accounts. Keeps the competition out. My bet is someone is already doing worksite in your accounts.

So What’s Different Worksite is sold not bought. Worksite is sold not bought. Worksite done right complements the existing core plan. Worksite done right complements the existing core plan. Even the census is different. Even the census is different. Every carrier has different product and a different risk preference. Every carrier has different product and a different risk preference. The lowest rate is not the best product but it could be. The lowest rate is not the best product but it could be. Commissions are vested. Commissions are vested.

It’s About Enrollment Working Conditions Working Conditions The 4 Sales of Worksite. The 4 Sales of Worksite. Guaranteed Issue Guaranteed Issue Carrier Choices Carrier Choices Benefit Counselors Benefit Counselors

It’s About Details Billing Billing Deductions Deductions Claims Claims Reservice Reservice Process Process

You Need the Tools To Make The Sale * Listen *Drill Down *Build *Adjust

Products Voluntary Voluntary 1. Group 2. When working conditions are not possible. 3. Where group already exists 4. White collar groups Worksite Worksite 1. Individual or group 2. Employees prefer portability 3. When working conditions exist 4. All groups

Disability Insurance Short Term and Long Term Short Term and Long Term Elimination/Waiting Periods Elimination/Waiting Periods Income Replacement % Income Replacement % Durations Durations Features, Partial Disability, Pre-X, Survivor Benefits Features, Partial Disability, Pre-X, Survivor Benefits

Life Insurance Whole Life Whole Life Guarantees (Cash Value, % rate, Paid Up) Guarantees (Cash Value, % rate, Paid Up) Guaranteed Issue Guaranteed Issue Universal Life Universal Life Cash Value Cash Value Guaranteed Issue Guaranteed Issue Term Insurance Term Insurance 10,20,30 year 10,20,30 year Guaranteed Issue Guaranteed Issue

Critical Illness Cancer Plus Cancer Plus Covered Diseases Covered Diseases Life Chassis Life Chassis Guaranteed issue Guaranteed issue

Other Products Gap Gap Long Term Care Long Term Care Accident Accident Hospital Indemnity Hospital Indemnity Blah, Blah, Blah Blah, Blah, Blah

The Issues Spreadsheeting Spreadsheeting Commission Splits Commission Splits The Enrollment The Enrollment Finding the Right Partner Finding the Right Partner Reservices Reservices

That’s Correct, Only Benefit Brokers Get Worksite (Get out of the Health Only Business) Benefits Broker HealthAncillaryWorksite

Increase Worksite, Increase Income

Go Ahead Ask!