Universal Benefit Plans Combo Sales 101 21 st Century Solutions for Todays Health Insurance Professional.

Universal Benefit PlansCombo Sales 101

21st Century Solutions for

Today’s Health Insurance Professional

ABOUT UNIVERSAL BENEFIT PLANS

• We are a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since 1987.

• Non-captive agents with the knowledge to work for you, not the insurance company.

STABILITY

• 22 years of providing Health and Life Insurance Solutions for the WHAT IF of life!!

• Over $600 Million Dollars of business..while insuring thousands of families nationwide

• We have witnessed over a half a billion dollars in claims…we know healthcare, and what you need to protect your family

SECURITY

• Rate protection for 24 months

• First dollar out patient care

• Dedicated to paying catastrophic Hospital and Doctor bills 100% With “0” out of pocket

• Providing income protection for cancer, heart, and accident claims

Providing Healthcare Solutions For 22 Years Providing Healthcare Solutions For 22 Years

World-Class Opportunities !!• $10,000+ In Monthly Advances

• $10,000+ In Monthly As Earns In Under 48 Months

• Management Opportunities

• Multiple Annual And Quarterly Incentive Trips

• Multiple Contests & Cash Bonuses

• Weekly Newsletter Recognition

Why You Can Be Successful?

• Our Agency Strength & Stability

• Our Teamwork & Service

• Our Excellent Product Portfolio

• A Plan For Every Budget or Condition

• Multiple Lead Programs That Work

• Advance Commissions & Residual Income

• Our Total Commitment to Training & Technology

• Our Complete Support From Start To Finish

We Make Selling Easy!• 95% of our business is done on the internet

• A Fabulous Tool Box Of Products !

• Tiger School 101

Combo Sale Strategy

Combo Sales Presentation

Portfolio of Companies

• AMERICAN REPUBLIC LIFE

• GUARANTEE TRUST LIFE

• ASSURITY LIFE

• TEAM CORP

The “Hat Trick” Presentation• It has been in use for “30 Years”

• It has produced $600 Million Dollars Of Issued Business

• You do not have to be a experienced “closer” to have success with it !!

• Can you ask closing questions ?

• Trust The Presentation!!

WHAT YOU NEED TO KNOW82% Of All Hospital Admissions Are For; Cancer + Heart Attack + Heart Surgery + Accidents

Represents 75% Of All Of All Dollars Spent On Healthcare

Six Figure Claims

50% Cause Loss Of Income For 90 Days Or Longer

Every Client Knows Someone That Has Had a Critical Illness Event Or Major Accident

As You….GROW!! As you will see on the next few pages..we will

talk about “Building The Rate”! In the beginning, there are plans that we recommend..because it is easier having a starting point!

As you move forward in your career..you will learn to ask more questions of the prospect..and ultimately focus on the combinations that best fits you!

Until then..trust our judgment..and for sure the presentation!

American Republic Packages Plan #1

UC CO-PAY PLAN $3,000 80/20 To $15,000

Plan #2

UC Co-Pay Plan $5,000 80/20 To $15,000 With 24 Month Rate Lock

GTL

Family CI $25,000/$25,000/$10,000 + $10,000 Family Accident Plan

Plan #3

UC Co-Pay Plan $7,500 80/20 To $15,000 With 36 Month Rate Lock

GTL

Family CI $25,000/$25,000/$10,000 + $10,000 Family Accident Plan

Plan #4

UHC $2,500 Co-Pay Select/Unlimited Rx/24 Month Rate Lock

TRUST THE PRESENTATION

About Our Worksheet

• It Gives Our Clients “FOUR OPTIONS”

• The Worksheet Is Color Coded And Flows With Our Power Point

• Assume The Sale

• Ask For The Business

• Trust the “PRESENTATION”

What You Need To..QuoteHealth conditions

Tobacco Use

Medications

Height And Weight

Who Is Current Carrier??…How Long??

Who Makes The Decision

IMPORTANTIMPORTANT

If You Lost Part Or All Of Your Income Due To An Accident Or Critical Illness For Longer Than 3 Months..Would It Affect Your Family ??

Our Presentation… Sink The Hook

• Closing begins with your first Statement !!

• Ask closing questions at each stage of our presentation !!

• People are creatures of habit…the more you can get them Agreeing With You… The more business you will write !!

• THE SUCCESS OF OUR PRESENTATION…IS THAT..NO PART IS MORE OR LESS IMPORTANT THAN THE OTHER..IT IS THE SUM TOTAL !!

• A Chain Is Only As Strong As The Weakest Link

• Trust the “PRESENTATION”

PPT Page One = Company Overview

About Universal Benefit Plans About UBP

Stability

Security

About You In Business For Yourself..But Not By Yourself

Trust the “PRESENTATION”

PPT Page Two = Utilization Chart

Follow The Points

Talk about the need to have 1st dollar OP care and special protection for the catastrophic

One represents 88% of all claims

The other represents 82% of all hospital admissions and 75% of all dollars spent on healthcare…average 7.6 months of recovery

Trust the “PRESENTATION”

PPT Page Three..Knowledge Is The Key

• Cover each of the 7 points

• Trust the “PRESENTATION”

PPT Page Four = “Points” Of Need

VERY IMPORTANT PAGE

Stress the “ Points”

EXCELLENT OP 1st DOLLAR CARE

ZERO OUT OF POCKET ON; CANCER+HEART+ACCIDENTS

CASH FOR INCOME PROTECTION

RATE LOCK

Trust the “PRESENTATION”

PPT Page Five = Pie Chart

82% Of All Hospital Admissions

Represents 75% of all medical expenses

Average recuperation is 7.6 months

Our Goals

Pay 100% + Provide Income

Trust the “PRESENTATION”

VERY IMPORTANT

• Before You Go To Page SIX Say The Following;

• Before we get into pricing options, I would like to cover a claim that happened to real people like you and I !! After the claim I will ask you if this was you…would you rather be insured with me or your plan…and all I ask is that you answer truthfully…is that fair enough ??

• Go Through The Claim…Page #6 And Ask The Question

• Trust the “PRESENTATION”

PPT Page SIX…This Could Be You

Cover The Claim

Ask The Question

Go To The Pie Chart

Trust the “PRESENTATION”

PPT Page Seven..How We Find You

• One Legged Stool = How We Find You

A Good 80/20 Co-Pay Health Plan Only

• Three Legged Stool = How We Leave You

• Co-Pay Health Plan With 3 Options 100%-80/20-70/30 After Deductible

• Lifestyle First Diagnosis Benefit

• Lifestyle Accident Plus Plan

• IF THE PREMIUM IS THE SAME..WHICH STOOL WOULD YOU PREFER

• Trust the “PRESENTATION”

About Our Worksheet

• It Gives Our Clients “FOUR OPTIONS”

• The Worksheet Is Color Coded And Flows With Our Power Point

• Assume The Sale

• Ask For The Business

• Trust the “PRESENTATION”

Phone Script For LeadsMy name is___ with UBP

“You requested information On Line regarding health insurance…” I have been assigned your file…What is your situation? / What would you like to accomplish?

let me tell you about us…..

We specialize in custom built health plans Through the top 25 carriers in the America And for 30 years have…provided 5 Million per + unlimited..Dr co-pays-wellness-Rx co-pay card..PLUS…

Reduced rates 20%-40%

Covered all claims for cancer-heart-accidents 100%…with ZERO out of pocket for our clients

Plus….We Provide income replacement on catastrophic events…and guarantee the rates for 2 years

What would be a good time to custom build your plan ?

SEND EMAIL PIECE

Phone Script For Go LeadsMy name is___ with UBP

I’m a health insurance adviser here in_______

let me tell you about us…..

We specialize in custom built health plans Through the top 25 carriers in the America And for 30 years have…

Reduced Rates 20% To 40%

Guaranteed The Rates For Two Years

Covered all claims for cancer-heart-accidents 100%…with ZERO out of pocket !!

Plus….We Provide income replacement until you can return to work

Do all for less premium..would you be interested..yes/no

SEND EMAIL PIECE