| DISABILITY
INSURANCE |
| Professional, White Collar, Non-cancelable - bring us your professionals. Best "Own Occ" definition. THIS IS HOT! |
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Blue
Collar, Guaranteed Renewable - we can write long haul truckers,
farmers, tool makers, construction, etc.
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Business
Overhead and Disability Buyout-a must for the self employed!
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Payroll
Deduction D.I. - Clerical/Blue/Gray Collar -- 6 months to lifetime
benefits.
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High
Risk Disability - for almost all occupations and health problems.
Pilots, pro athletes!
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| LONG
TERM CARE INSURANCE |
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The
most well known and the most competitive!
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Optional
Riders - Guaranteed Increase Options, Non Forfeiture, Inflation
Guard and Return of Premium.
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MEDICAL
INSURANCE
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New
Individual Major Medical - app by mail or phone, national PPO
network.
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Individual
Major Medical Traditional or join a PPO network - Health Savings
Accounts!!
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Temporary
Major Medical - Several online plans to choose from.
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Student
Major Medical - Full Time Students - better than college sponsored
plans.
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International
Major Medical - for citizens leaving or visiting USA for 15 days
up to 5 years.
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Cancer
Policy - pays benefits for cancer and other specified diseases.
A great supplement to major med.
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Medicare
Supplement Policies - both issue age & attained age - electronic
claims filing - hassle free.
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Med.
Reimbursement Plan - for high paid executives, professionals,
DISCRIMINATION ALLOWED!
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Critical
Illness - use this when your client fails to qualify for DI or
LTC. It is better than nothing!
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LIFE
INSURANCE
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U.L.
- Whole Life par & non par - First to Die - Last to Die
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Term
- 1, 5, 10, 15, 20, 25, 30, 40, ages 65 & 100 All the current
top name players!
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Term
- 15, 20 and 30 year with return of all premiums at end of term.
This sells! Almost Guaranteed Issue Life
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Other
Insured Riders for Partners, Spouse, Etc.
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Accidental
Death and Dismemberment - for travel to almost all parts of the
world - available with "acts of terrorism" rider - from
30 days to 1 year of coverage.
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| EMPLOYEE
BENEFITS |
| Group
Medical - 1 life and up - available with PPO networks and HEALTH
SAVINGS ACCOUNTS!! |
| Weekly
Disability - Long Term Disability - Dental - Vision - 401K - Profit
Sharing - Pension Plans Design - Section 125 - SIMPLE Plans - POP's. |
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SALES
HELP, PLAN DESIGN, IMPLEMENTATION, ADMINISTRATION AND REPORTING
KEEP THIS FOR FUTURE REFERENCE!
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