Ready to enroll? Think you've memorized the plans? Knowing payouts and rates is fine. But people don't buy products because of payouts and rates.
People buy because you tell them a story.
And not just any story. A passionate story. A personal story that convinces them why, on God's green earth, they absolutely positively need this product.
I can't tell you how to share a personal, passionate story. But I can give you a rough idea of where I start. (Again, this is a work in progress). Here goes:
TELL ME ABOUT THE PLANS THAT PROTECT CASH FLOW
Accident Indemnity
Accident indemnity is designed to pay you cash if you’re
injured by a (covered) accident on-or-off the job, anywhere in the world,
24/7/365. This includes an accidental death and dismemberment benefit.
If you’re young, chances are not likely that you’ll have a
heart attack, stroke, or cancer. But every year 40 million people do get into
accidents. I know because the only times I’ve been in the hospital or urgent
care in the last ten years have been due to accidents.
This is a great plan if you don’t
currently have a health plan, or if you’re not satisfied with the coverage of
the plan you have.
Some golden nuggets:
·
Initial treatment: $120
·
Hospitalization >18 hours: $1,000
·
Specific sums: $35/stitch, $12,500 god forbid a
coma
·
Appliance: $125
·
AD&D: pays up to $150,000
This money can be used to pay for medical bills. But like
all Aflac plans, they were mainly designed to pay for everything else. Chances
are that if a coma happened, all other treatments have happened.
Short-Term Disability
The short-term
disability plan is to provide income replacement for
up to 24 months if you’re totally/partially disabled and can’t come in to work.
This will help ensure that you can still have a source of income while you’re
recovering. Pays each day you’re disabled.
Golden Nuggets:
·
3 in 10 Americans will be disabled before
retirement
·
90% of disabilities are non-work related
This is a guarantee issue plan (because it’s a payroll
account) – no medical questionnaire
Minimum requirement: $21,000 from this employer
You are eligible to get six months and up to $1300/month
Best for when you know how much you absolutely need
every month to survive.
Life Insurance
Life insurance is
to help provide for loved ones in the event of your death. This is money that
you’d like to set aside for your loved ones.
As you may or may not know, a funeral/burial can cost
upwards of $15k. Not only are they grieving for your loss, they are stuck with
a huge financial burden as well. Covers any debt, as well as uninsured medical
costs. If you’re a parent, your children depend on your income for ongoing
family expenses, education, emergency funds and retirement.
For less than a dollar a day, you can get coverage to
protect your loved ones from the financial impact of (god-forbid) your death.
5 to 8 x (Annual Salary) = Life Insurance you need
We target incomes between 25k – 75k. If you need more, I can
refer you.
TELL ME ABOUT THE PLANS THAT PROTECT MY NEST EGG
Hospital Advantage
Hospital advantage is designed to help pay for visits to a
hospital or doctor for a covered sickness or injury (including maternity). You do need major
medical insurance (not Medi-Cal or Medi-Care) to qualify.
This was brought into effect specifically to help cover high-deductible
health insurance. In most cases, if you are to spend money out of pocket, it’s
going to be because one of four things: 1)
Surgery, 2) Ambulance rides, 3) Out-of-Network doctor visits, or 4)
Hospitalization.
Some golden nuggets:
·
Initial hospitalization >23 hours: $500
·
Ambulance: $100
·
ER: $50 (2x/year)
·
Other benefits for medical diagnostic imaging,
surgery, daily confinement
This includes a 12-month look-back and look-forward clause,
and will not cover sicknesses until you’ve had the policy in effect for
30-days.
Cancer
The cancer plan is
to provide financial protection from cancer and cancer-related treatment costs.
As you know, the chances of getting cancer during your lifetime is 1 in 2 for
men, and 1 in 3 for women. The average cost of treatment for breast cancer is
$21,000. Lung or prostate cancer can exceed $40,000.
The good news is that with medical science today, Cancer is
a very treatable disease. And if detected early, with proper treatment you will
probably survive. But treatment can take many years. As a result, it can be
financially devastating. This is precisely why over 60% of bankruptcies are
caused by medical bills.
Your major medical plan will do a great job on basic
treatment costs. But major medical will never cover everything. Our plan covers
things that your health insurance can’t guarantee they will cover, like
reconstructive surgery, experimental therapy, immunotherapy, anti-nausea drugs,
and NCI specialist assistance.
Golden Nuggets:
·
Initial diagnosis: up to $6,000
·
Chemo (injected): $900/week
·
Radiation: $500/week
·
Total payout can be up to $50,000
Would it give you peace of mind to know that, god forbid
cancer should occur, you and your family will be taken care of financially and
know you’ll be able to afford the best care possible?
If you’ve had cancer before,
you must be 5-years treatment free to receive benefits for the same cancer
going forward. This plan also includes a 30-day elimination period.
Specified Health Event
The specified health
event plan is to provide financial protection from serious illnesses
including heart attack, stroke, kidney
disease, major 3rd degree burns, and coma. Someone suffers a heart attack
every 34 seconds; a stroke every 40 seconds. The average cost of treatment for
heart attack and stroke in California is $92,000.
The good news is that with medical science today, heart
attacks are a very treatable disease. With proper treatment you will probably
survive. But treatment can take many years. As a result, it can be financially
devastating. This is precisely why over 60% of bankruptcies are caused by
medical bills.
Your major medical plan will do a great job on basic
treatment costs. But major medical will never cover everything. Our plan covers
things that your health insurance can’t guarantee they will cover, like major
human organ transplants, speech therapy for stroke and lodging if you need to
travel to special hospitals out-of-state.
Golden Nuggets:
·
First occurrence: up to $7,500
·
Recurrence: $2,500
·
Major organ transplants: $25,000
·
Speech therapy for stroke: $125/day
·
Total payout can be up to $13,000 per incident
Would it give you peace of mind to know that, god forbid a
heart attack or stroke should occur, you and your family will be taken care of
financially and know you’ll be able to afford the best care possible?
If you’ve had one of these
specified diseases before, you must be five-years treatment free to receive
benefits for the same disease going forward. This plan also includes a 30-day
elimination period.
TELL ME ABOUT DENTAL AND VISION PLANS
Dental
The dental plan provides
comprehensive coverage for dental procedures. The best part about this plan is
that you choose your dentist. There are no networks.
Immediately, you can receive benefits for wellness and
X-rays. After certain waiting periods, your plan will cover you for more
sophisticated procedures including fillings, root canals and oral surgeries.
Like many plans, Aflac pays you cash based on the treatment
provided. But Aflac can also pay the dentist directly. Aflac is very popular
with dentists, because they understand Aflac pays cash. Because you won’t have
to go through insurance, you can guarantee a doctor that they will be paid
within a much shorter period of time than through insurance.
Golden Nuggets:
·
Basic oral evaluation will pay out $50. X-rays
will pay you an additional $35.
·
A root canal for the molar (back tooth) will pay
up to $400.
There are no deductibles, and you can choose with your
dentist what the best treatments are based on the procedure payout schedule.
Vision
The vision plan provides
comprehensive coverage for your eyes, paying you cash from basic exams to the
treatment of severe eye diseases.
You have three (3) options to choose from:
1.
You start receiving benefits immediately, and each year
you get $80 for vision corrective materials (glasses/contacts).
2.
You wait 12
months first, and then every other year you receive $175 for vision
correction materials (glasses/contacts).
3.
You wait 24
months first, and then every three years you receive $270 for vision
correction materials (glasses/contacts).
This depends on what you know about your eyes, and how often
you think you’ll need to go see the eye doctor.
You will also receive a $45 benefit for annual eye
examinations
You will receive $1,000 for any specific eye diseases or
disorders, like glaucoma.
This is great coverage that allows you to tailor your $
benefits to your specific needs, all for the same price.
