1. COL (ret) GARLAND Williams, Phd

3. 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.

4. Employer Pain Points
Healthcare Reform
Rising Costs
Maintaining Competitiveness
Administration
Productivity

5. 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

6. 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.

7. 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

8. 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.

9. 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.

10. 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.

11. AFLAC TRIVIA!! Garland Williams Garland_williams@us.aflac.com