How to increase your renewal income in today’s uncertain marketplace:
- Combine a high deductible health insurance policy ($5,000 – $10,000 deductible) with an accident policy of the same or greater amount. Should a claim result due to an injury, the accident policy can provide the funds to “pay for” the deductible, as well as the co-insurance – and, the client only has a $100 Deductible related to the accident benefit.
- Packaging a $10,000 or $20,000 critical illness policy and an accident policy with a high deductible medical insurance plan allows the health insurance premiums to be much lower due to the higher deductible, yet have a virtually zero deductible out of pocket effect from a claim due to an injury or critical illness.
- Put an accident plan into an employer group on a voluntary list-bill basis to cover the deductible in the same manner as described above.
This is a very effective concept utilized by many successful agents across the country.
However, being successful with this concept requires you, the agent, to present this concept in
the proper manner, as a one-piece conceptual sale.
Not presenting this concept properly … will simply not produce the same success.
Agents that use our “proven” sales presentation and Power Point presentation that we provide for you on this page (download below) experience an 80% closing ratio on average.
