- 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.
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.