Presentation on theme: "FOR AGENT USE ONLY National Insurance Agency Critical Illness FOR AGENT USE ONLY Policy Form CI-005. Product availability, rates and features may vary."— Presentation transcript:
FOR AGENT USE ONLY National Insurance Agency Critical Illness FOR AGENT USE ONLY Policy Form CI-005. Product availability, rates and features may vary by state. H263-0610
FOR AGENT USE ONLY Broker use only Why Critical Illness Protection? Removes the financial stress Exists because We survive the covered conditions
FOR AGENT USE ONLY You need Critical Illness Insurance; not because you are going to die, but because you are going to survive! Dr. Marius Barnard
FOR AGENT USE ONLY Simplified Critical Illness Covered Conditions Category 1Category 2Category 3 Invasive CancerHeart AttackAdv. Alzheimers Disease Cancer in SituMajor Organ TransplantComa-not from stroke Heart or combinationEnd-Stage Renal Failure Transplant including HeartMajor burns StrokeMajor Organ Transplant Coronary Bypass SurgeryOther than heart AngioplastyParalysis-not as a result of stroke
FOR AGENT USE ONLY Critical Illness Why would I buy it if I have health insurance?
FOR AGENT USE ONLY Three Things You Need... National Network of Doctors Design Plans to Fit Individual Needs HSAs Available with Family Deductible and 100% coinsurance option Write off contributions to HSA on taxes 1 st Dollar Preventive Care Benefits $15,000 air or ground ambulance $5,000,000.00 Lifetime Max. 24-Hour On/Off Job for Self- Employed Pays on Accidents Up to $5,00 Per Person per Incident/$500 deductible ***Use to reimburse your deductible or as a stand alone if no health insurance $150 per day for Accident Hospital Confinement up to 31 days. Death & Dismemberment Benefit *Also available $10,000/$300 ded. Plan w/$150 per day hospital confinement up to 14 days. Created by a doctor Use to cover deductible/co-insurance and other items not paid by Major Medical Policy Use cash to keep your medical policy in force, make house, car payments, travel and lodging costs, whatever you need! Returns 100% of premiums paid (less benefits paid) if you die of any cause other than covered illness 68% of dollars spent on claims involve heart, cancer or stroke Category 1 100% Benefit Invasive cancer Cancer in situ (non-invasive) (payment once per lifetime) HealthAccidentCritical Illness Coverage Amount quoted: Category 2 100% Benefit Heart Attack Heart Transplant Stroke 25% Benefit Coronary Bypass 10% Benefit Angioplasty Category 3 100% Benefit Adv. Alzheimers Coma End-Stage Renal Failure Major Burns Major Organ Transplant Paralysis
FOR AGENT USE ONLY Critical Illness Why would I buy it instead of cancer insurance?
FOR AGENT USE ONLY Critical Illness Why would I buy it if I have life insurance?
FOR AGENT USE ONLY Approaches What do you think medical insurance for $2 a day would look like? If you had a major claim on your health insurance, what do you think would be the reason?
FOR AGENT USE ONLY How would you open a discussion of Critical Illness as mortgage protection?
FOR AGENT USE ONLY Easy Conversation Do you have the new kind of mortgage insurance, or the old kind of mortgage insurance? What is the difference? The old kind only pays your mortgage off if you die. The new kind still pays your mortgage if you die, but in addition, if you are diagnosed with cancer, have a heart attack or stroke it will take care of your mortgage payments And the cost is less than...
FOR AGENT USE ONLY Would it reduce your financial stress if you were diagnosed with cancer and your mortgage would be paid for the next two years? Easy Conversation
FOR AGENT USE ONLY If you were diagnosed with cancer, would you rather lose your home or your mortgage? Easy Conversation
FOR AGENT USE ONLY Presenting Critical Illness Key Points: Removes financial stress so the individual can focus on recovery Exists because we are not going to die-but survive Created by a doctor, Dr. Marius Barnard, who saw the financial stress of a critical illness was working against everything he was doing to heal his patients. Attachment – what is their need? Six months of income Two years of mortgage payments Credit card payments
FOR AGENT USE ONLY People hate to be sold but they love to buy.