1. Carrier Spotlight Weekly Sales & Product Training
Wednesday, April 12, 2017

2. Dickerson Individual Market Product Portfolio
New Products Being Added Weekly!

3. FAQ About Supplemental Benefits
Q: Why do I need supplemental insurance if I already have medical insurance?
A: Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps.
Q: How is supplemental insurance different than medical insurance?
A: When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses.
Q: How do I receive the money?
A: If you have a covered accident or illness, you file a claim with the insurance company.  Once the claim is reviewed and approved, a benefit check will be mailed directly to you.
Q: What can I use the money for?
A: You can use the money however you choose. It’s your money, your decision.

4. CLICO Portfolio of Supplemental & Life Insurance Products:
*American Journal of Medicine, August 2009

5. CLICO Products Available in California
Coverage
Product
Accident Lump-Sum
Accident Direct
Cancer
CancerWise
Critical Illness
Critical Illness Direct
Dental
Dental PPO
Hospital Confinement
Hospital Confinement Direct
Fixed Indemnity
Fixed Indemnity Direct
GAP
Metal Gap
Vision
Premiere Vision
Simplified Issue Term Life
Convertible Term Life
Medical Discounts, ID Theft Protection, Medical Assistance
GetWell

6. CLICO Products Available in California
Senior Products (65+)
Guaranteed Issue Products
Dental PPO
Premiere Vision
Fixed Indemnity
Final Expense
Accident Direct
$10,000 Critical Illness
Dental & Vision
$250/Day Hospital Confinement

7. 62% 78% Critical Illness Direct Did You Know?
Up to $100,000 Lump-Sum Cash Benefit can be used for:
62%
78%
Deductibles, Copays & Coinsurance
Rent/Mortgage
Car Payments
Child Care
Everyday Living Expenses
of bankruptcies in
2007 were due to illness
of those filers had
Health insurance*
*American Journal of Medicine, August 2009

8. Critical Illness Direct

9. Accident Direct Did You Know?
Up to $25,000 Lump-Sum Cash Benefit can be used for:
Deductibles, Copays & Coinsurance
Rent/Mortgage
Car Payments
Child Care
Everyday Living Expenses
1 in 8 persons seek medical attention from an injury each year*
*National Safety Council, Injury Facts, 2014

10. Accident Direct

11. 200K+ Dental PPO Insurance Did You Know?
Every $1 in preventive oral care can save $8-$50 in restorative and emergency treatments?*
Extensive Careington Maximum Care Network with over 200,000 providers nationwide
*American Dental Hygienist Association,

12. Dental PPO Insurance

13. Dental PPO Insurance

14. Dental PPO Insurance

15. Premiere Vision Did You Know?
EyeMed Vision Care ”Select” Network includes:
LensCrafters
Sears Optical
Target Optical
JCPenney Optical
Pearle Vision
3 in 4 Americans need some type of
corrective lens* *

16. Premiere Vision

17. Annual Eye Exam (estimated)
Vision Benefits
Annual Eye Exam (estimated)
$80
Lenses
$110
Frames/Contacts
ANNUAL BENEFITS
$300
ANNUAL PREMIUM
$108
SAVINGS
$192

18. Hospital Confinement Direct
Did You Know?
$10k
Daily Cash Benefits Can Be Used For:
Deductibles, Copays and Coinsurance
Rent/Mortgage
Car Payments
Child Care
Everyday Living Expenses
Nearly $10,000 was the average cost of a hospital stay in 2010*
*1 The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for
Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H.

19. Hospital
Confinement
Direct

20. 62% 78% CancerWise Did You Know?
Up to $50,000 Lump-Sum Cash Benefit can be used for:
62%
78%
Deductibles, Copays & Coinsurance
Rent/Mortgage
Car Payments
Child Care
Everyday Living Expenses
of bankruptcies in
2007 were due to illness
of those filers had
Health insurance*
*American Journal of Medicine, August 2009

21. CancerWise

22. Metal Gap
Did You Know?
43% of those with private insurance said their deductible was either difficult or Impossible to afford.*
*InsuranceNewsNet Magazine, March 2015 issue. Magazine source: The Commonwealth Fund

23. Metal Gap

24. Fixed Indemnity Direct
Did You Know?
Cash Benefits Can Be Used For:
Medical expenses
Prescription drugs
Loss of income
Rent/mortgage payments
Car payments
Everyday expenses
Fixed Indemnity Direct offers cash benefits without worrying about having to meet a deductible. This money can be used to pay unexpected medical costs or everyday living expenses.
*InsuranceNewsNet Magazine, March 2015 issue. Magazine source: The Commonwealth Fund

25. Fixed
Indemnity
Direct

26. Fixed
Indemnity
Direct

27. Simplified Issue Term Life
20 Year Term
$25,000 - $200,000 for all issue ages
No medical exams or fluids
ADB Rider
Waiver of Premium Rider
Critical Illness Living Benefit Rider pays up to $100,000 of the death benefit (not available in CA)
Ages
10 Year Term
Ages
Includes Terminal Illness Accelerated Benefit Rider -- 50% of benefit with life expectancy of 12 months or less

28. Final Expense Face to Face Sales Only | No medical exam or fluids
Death Benefit
Ages : $3,000 - $35,000
Ages : $2,000 - $35,000
Level Benefit
Ages
Immediate full death benefit
Includes terminal illness rider

29. Graded Benefit Ages 50-85 Non-Accidental Death:
Year 1
30% of death benefit
Year 2
70% of death benefit
Year 3+
100% of death benefit
Optional Accidental Death Benefit Rider
Double death benefit due to an accident
Triple death benefit if accident occurs as a fare-paying passenger

30. How To Quote & Apply One Application and Draft:
Get Contracted with CLICO
Quoting & Back Office Link - within 7 – 10 days
One Application and Draft:
Chesapeake Life Insurance Company
Separate Application & Draft:
GenRe
Accident Direct
Term Life
CancerWise
Final Expense
Critical Illness Direct
Dental & Senior Dental PPO
Fixed Indemnity Direct
Hospital Confinement Direct
Metal Gap
Premiere & Senior Premiere Vision
Sample Quoting Link:
Brochures & More Info:

31. Critical Illness & Accident Insurance
Join us for next Wednesday’s Webinar!

32. Upcoming Webinars & Events
Date
Format
Topic
4/19
Webinar
Critical Illness & Accident Insurance
4/26
Event
2017 Sales Training Bootcamp
5/03
Life Insurance & Final Expense
5/10
Cross-Selling Supplemental Benefits
5/17
Medicare

33. Don’t Miss It!

34. Here Are the Next Steps:
We’re Here to Help!
Here Are the Next Steps:
Get Contracted with CLICO
Touch base with your clients and offer dental & vision
Include Accident & Critical Illness with every quote
Register for 2017 Sales Training Bootcamp & Webinars
Call me for help!
Luis Sanchez
Direct: | Office:

35. Join us for our next event on April 19
Thank You
Join us for our next event on April 19