COL (ret) GARLAND Williams, Phd

Setting the Stage According to the 2017 Aflac WorkForces Report: Employees: 79% of workers say their benefits is important to job satisfaction 65% have less than $1000 to pay out of pocket expense 56% would have to use credit card or borrow from their 401K 47% are looking for another job in the next 12 months 42% say that improving benefits would keep them in their jobs Employers: 34% say #1 business objection is staying competitive 58% say worker’s compensation claims increased in last 3 years Average premium for family coverage has increased 27% for employers 28% of growing companies are more likely to offer voluntary benefits.

Employer Pain Points Healthcare Reform Rising Costs Maintaining Competitiveness Administration Productivity

We are not major medical, but are voluntary and supplementary. How AFLAC Can Help We are not major medical, but are voluntary and supplementary. 3 major possibilities that Americans face: Accidents Cancer Heart Disease

Accidents Accidents The average medical expenses for an accidental injury is $5,600. Example: a child breaks his leg playing hockey and requires surgery - $5,570 benefits payable. And . . . We provide an annual wellness benefit just to encourage you to go get your annual physicals.

Cancer Cancer 1 out of 2 men and 1 out of 3 women will get cancer in their lifetime. We insure those who have had cancer as long as they are 5 years cancer free. Annual wellness benefit Example: leukemia patient; Aflac pays on average $35,175 under Option 3 and $52,900 under Option 4 regardless of what your major medical pays

Heart Disease Heart Disease We have lousy lifestyles and heart disease is the number one killer Every 34 seconds, an American suffers a heart attack Every 40 seconds, someone in the US has a stroke. Through Critical Care Protection or Policy Riders on the Accident or Cancer plans, Aflac can help provide financial peace of mind.

How Does It Work?! We primarily work through employers, but can issue individual policies. Takes 3 people to create a group; about a 35% discount to group employees over an individual policy. Most of the policies are pre-tax which gives about a 25% break to the policy holder and tax write off to the employer Doesn’t cost the employer anything except time to see me If I can talk with 75% of the employees, I can offer an Aflac paid Value Added Service for a year for each employee I see. Cost is dependent on the Standard Industry Code, but most individual policies cost a Starbucks Latte each week Claims – ONE DAY PAY!! Finally, the policies are permanent and portable.

I want to talk to: Small Business Owners who don’t want to be their company’s expert on insurance Veteran Owned businesses since I fully understand Tricare Individual entrepreneurs who are trying to piece together an insurance plan for their family business that won’t break the bank.

AFLAC TRIVIA!! Garland Williams Garland_williams@us.aflac.com 480-307-1929