WE HELP 1 2 - Donuts
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Transcript of WE HELP 1 2 - Donuts
WE HELP
what i s i t that we do?
1
3
2
4
Distribute the State
where Medicaid,
Medicare & Social
& a handful of other
I
APPLETON, WI
YAKIMA, WA
CEDAR RAPIDS, IA
SALT LAKE CITY, UT
MESA, AZ
HOT SPRINGS, AR
OLATHE, KS
FORT WORTH, TX
LITTLE ROCK, AR
AUSTIN, TX
WACO, TX
DALLAS, TX ATLANTA, GA
WOODSTOCK, GA
LAWRENCEVILLE, GASARASOTA, FL
MELBOURNE, FL WINSTON-SALEM, NC
GREENVILLE, SC
ASHEVILLE, NC
PITTSBURGH, PA
BURLINGTON, NCAPEX, NC
WINSTON-SALEM, NC
NEW YORK, NY
CHARLESTON, WV
CLINTON, CT
COLUMBUS, OHGRAND HAVEN, MI
DENVER, CO
OHAMA, NE
COLUMBIA, MO
CHICAGO, IL
NORFOLK, NE
LA CROSSE, WI
GRIGGSVILLE, IL
UNCASVILLE, CT
EAST HANOVER, NJ
RALEIGH, NC
BIRMINGHAM, AL
LAGRANGE, GA
PALO ALTO, CA
LAS VEGAS, NV
SENIOR
Solutions
MINNEAPOLIS, MN
5VISION
AREAS
HEARING
FINAL EXPENSE
GOVERNMENT PROGRAMS
STATE REGULATED CARRIERS
PATIENT MEDICATION ASSISTANCE SERVICES
ENTITLED TO
my job i s pret ty s imple , i t ’ s to see what you may be
PRESCRIPTIONS
DENTAL
QUALIFY BANKING: Let’s get started- is Social Society paying you on time? On the 1st, or the 3rd, or one of those Wednesday-Thursdays?
IS YOUR SOCIAL SECURITY BEING DIRECT DEPOSITED OR GOING TO THE GREEN DIRECT EXPRESS CARD?
QUALIFY ANNUITY/EXTRA FUNDS OPTIONS: Now, were you one of the lucky ones that was able to retire with a retirement fund, 401k, pension
or do you do any investing? (If they say yes ,they may be eligible for an annuity- maximizing assets while protecting asset loss- however ignore
talking about it until the end, then revisit before you leave.)
QUALIFY MEDICARE/MEDICAID: Are you on Medicare? Medicaid?
QUALIFY PRESCRIPTIONS: I typically start with prescriptions and a health questionnaire... which prescriptions are you taking?
QUALIFY HEALTH: Now what we’re gonna do next is- go over this health questionnaire...what’s your age/date of birth?
[READ OVER BIG 7 IN HEALTH QUESTIONNAIRE]
1. Smoke 2. Diabetes 3. Heart Attack 4. Congestive Heart Failure 5. Stroke 6. Cancer 7. COPD/Oxygen
(Bonus: Check meds for any memory meds - donepezil, memantine, aricept; and additionally, please double check for any diabetic nueropathy by
asking if they have been prescribed any gabapentin, neurontin, lyrica or pregabalin.)
HOW MUCH ARE YOU PAYING FOR YOUR PRESCRIPTIONS? You can use our discount card or Good Rx. There are also patient medication
assistance programs to discount expensive brand name prescriptions.
MEDICARE SAVINGS: “You may qualify for help with Medicare Part B payment assistance - is the system taking the part B premium out of your
you get depend on how much income you have. These programs pay Medicare premiums, and in some cases, Medicare deductibles and coinsurance.
In General, to be eligible for the Medicare Savings Programs, you must:
* Be eligible for Medicare Part A (Hospital Insurance)
* Be living in that state
* Be a U.S. citizen OR Be in satisfactory immigration status (You must provide proof of immigrant status)
* Have a monthly income below a certain limit.
NEXT IS YOUR DENTAL: Ok, well that covers your prescription help... Now, who do you have for your dental insurance? You can visit your local
colleges/universities for low cost dental options.
AND NEXT IS YOUR VISION: Who do you have for your vision insurance? How much we’re your glasses? [zennioptical.com]
NEXT UP IS YOUR HEARING: How is your hearing? Well when it comes to hearing aids, there is good news and bad news...the bad news is they
can cost around $2,000-$3,000 per ear.... good news is, we have some hearing aids savings programs.
[STEP 4] RECAP & TRANSITION TO LIFE: [5 THINGS] I’m glad we got to go over your prescriptions, dental, vision and hearing... Now
1. The last thing 2. The most important thing 3. It’s what we specialize in 4. And it’s the information you requested and
5.
life insurance program...
CLOSE:
[STEP 5] Thorough Policy Review
[STEP 6] In and Up/3rd Party Call
[STEP 7] Build Value of Life Insurance - recap it before showing price
[STEP 8] Show Premiums/Close - with budget or 2-3 options
[STEP 9]
then ask how they feel, quiz them on their new coverage and leave behind branded papers with their policy info
[STEP 10] Ask for Referrals
[BONUS] Congratulations, smile, you’ve helped a senior, now bid them a warm farewell and then follow up with them on their policy delivery,
referrals, and also with thank you cards and birthday cards, in due time - and please -do what you say you will do. Thank you.
BENEFITS CHECKLIST
[STEP 1] After Connecting with FORT and [STEP 2] Building Credibility with BBB & State License, and after your
[STEP 3]
CLIENT HEALTH QUESTIONNAIRE
name:
TOBACCO
YES NO
Cigaret tes
age : he ight : we ight :
DIABETES
Insu l in Age Star ted :
Age D iagnosed:
Last Occurance :
Date Last Treatment :
Date D iagnosed:
HEART DISEASE
Surgery
Pace Maker
Congest i ve Hear t Fa i lure
Date Per formed:
Date Ins ta l led :
Date Ins ta l led :
Last Occurance :
HEART ATTACK
STROKE
Compl icat ions- Eye ,K idney , Neuropathy ,Insu l in Shock or Coma
COPD/LUNG DISEASE
Oxygen
S leep Apnea
CANCER
OTHER MEDICAL CONDITIONS
RX:
Uni ts :
FREE HELP ON
LIVING BENEFITS
DATE:
FIELD UNDERWRITER:
CONTRACT #:
MAT, The Medical Assistance Tool, matches patients with resources and cost-sharing
programs that may help lower out-of-pocket costs, whether or not they have insurance.
FREE BRAND NAME MEDICATION FROM PHARMACEUTICAL COMPANY
medication and tell them you’re trying to get “Brand Medication for free”
manufacturer, for singles is usually around $24,000 per year or less, and for couples usually around $36,000 per year.
When you fall into the donut hole or have no prescription coverage call this and save thousands of dollars.
1-866-353-9377 (Patient Medication Assistance)
FREE HEARING AID [NC ONLY]
1-800-851-6099
GOOD RX PRESCRIPTION DISCOUNT CARD
www.goodrx.com
MEDICARE PRESCRIPTION DRUG LOW INCOME ASSISTANCE
1-800-772-1213 or 1-800-723-4337 (Natl ss #) Local 919-212-7000 or 919-790-2773
MEDICARE SAVINGS PROGRAMS AND STATE PHARMACY ASSISTANCE
NC 1-800-408-1212, SC 1-800-868-9095, VA 1-800-552-3402, AL 1-800-362-1504
SILVER CROSS MOBILITY CHAIRS
Visit www.silvercross.com
NC FREE NICOTINE PATCHES
1-800-784-8669
www.ZENNIOPTICAL.com
starting at $6.95
DENTAL ASSISTANCE
You can visit your local college/universities for low cost
dental options
ASK ABOUT FREE$10 GIFT CARD INCENTIVE
Prescription Drug
Savings Card
MEMBER ID
GRX610010
BIN
PCN
GROUP
003585
ASPROD1
AME08
pharmacies
THE LAST THING WE DO
WHERE WE HELP PEOPLE SAVE THE MOST
AMOUNT OF MONEY IN THE COMMUNITY...
AND WHAT YOU REQUESTED INFORMATION ON
IT’S WHAT WE SPECIALIZE IN
THE MOST IMPORTANT THING WE DO
IS HELP WITH FINAL EXPENSE- WITH THE
STATE REGULATED LIFE INSURANCE PROGRAM
Term vs Whole vs Universal
Term Lifeless than 10% of people d iedur ing term pol ic ies
Year
Age 95
Cash Value $0
Protect ion $20,000
There is never any cash value in the pol icy !
Based on a 45 year old
10 11 12 13 14 15 16 17 18 19 20 22 24 26 27 30 32 34 36 38 40 42 44 46 48 50
Level term-
premiums increase every year unt i l po l i cy
premiums
With Whole l i fe , the premiums never increase
Whole LifeYou are protected your Whole L i fe
Year
Cash value increases every year the pol icy stays in force!
10 11 12 13 14 15 16 17 18 19 20 22 24 26 27 30 32 34 36 38 40 42 44 46 48 50
Age 95
Universal Life
Year
The cash value in the pol icy wi l l be used to pay for the pol icyUnti l such t ime as there is no longer any cash in the pol icy
10 11 12 13 14 15 16 17 18 19 20 22 24 26 27 30 32 34 36 38 40 42 44 46 48 50
STOP
Cash Value $0
Protect ion $20,000
Cash Value $0
Protect ion $20,000
STOP
Age 80- target premium no longer susta ins the
premiums increase
WHEN IT COMES TO LIFE INSURANCE
OOPS
OUCH
UH-OHTHIS IS THE LARGEST CATEGORY
Includes people with no insurance. Not
WRONG TYPE OF INSURANCE
EXPIRES OR PREMIUMS INCREASE
PAYING WAY TOO MUCH
UPDATED: JUNE 2020
Top Rated Providers
Other Providers
UPDATED: JUNE 2020
NO COST POLICY REVIEW
RIDERS
UPGRADES
DISCOUNTS
FREE
INSURANCE
$
CASH BACK
ENSURE YOUR POLICY
WILL NOT EXPIRE
ENSURE YOUR PREMIUM
WILL NOT INCREASE
CHECK TO SEE IF YOU’RE
ENTITLED TO ANY:
1
2
3 x
INSURANCE POLICY REVIEW
1. What type of insurance is this?
2. Face Amount? Any Dividends accurals?
3. Premium? Premium Draft Date?
4. Cash Value?
5. Reduced Paid Up?
6. Extended Term?
7. Loans? Interest? What’s the next loan payment due? How much is it? What happens when the interest payment exceeds cash value andis not paid? Can the loan cause the policy to go into over-loan?
8. Any Riders? Terminal Illness Rider? Nursing Home Rider?
10. Agent of Record?
11. [Term Life] When does policy expire? Does the premium increase over time? When? How much?
12. [Term Life] When they live through this polocy,how much cash do they get back? Any cash value? Since they will have paid thousands ofdollars over the term, surely they get some money back- how much money do they get back when the policy terminates?
13. [Universal Life] Cost of insurance go up? What does the rate go up to? When? Is it deducted from Cash Value?
14. [Universal Life] What happens when cash value runs out?
Date : C l ient Name:
Po l i cy I ssue Date :Po l i cy Number :
Insurance Company :
Rev iew Rep Name:
WHOLE LIFEINSURANCECOVERAGE BENEFITS
YOUR PRIMARY BENEFICIARY(S):
YOUR CONTINGENT BENEFICIARY:
DATE:
FIELD UNDERWRITER:
CONTRACT #:
NAME OF INSURED:
COVERAGE: COVERAGE: COVERAGE:
PREMIUM: PREMIUM: PREMIUM:
RIDERS: RIDERS: RIDERS:
EXISTING COVERAGE [IF ANY]: EXISTING COVERAGE [IF ANY]: EXISTING COVERAGE [IF ANY]:
CARRIER:
1st PREMIUM DRAFT DATE: CARRIER CUSTOMER SERVICE #:
PERMANENT COVERAGENO physical blood work,
or medical exams for approvalYou CANNOT be cancelled
once you’re approved-WHOLE LIFE!
Premiums NEVER
increase once you’reapproved-LOCKED IN!
Coverage is NEVER reduceddue to age or health once
you’re approved
Build CASH valueACCIDENTAL
may be included
IMMEDIATELY with nowaiting period
TAX FREE Agent SERVICE for life
CIRCLE ONE
Builds Paid UpInsurance
tagged
US GOVERNMENT SOCIAL SECURITY ADMINISTRATION
use th is form to determine what a funera l w i l l cost based on l i fe expectancy
FEMALE MALE
AGE
45 36.79
35.87
34.96
34.05
33.14
32.24
31.35
30.46
29.57
28.69
27.82
26.94
26.08
25.22
24.37
23.53
22.70
20.88
21.08
20.28
19.49
18.70
17.93
17.17
16.42
15.69
14.97
14.27
13.58
12.90
12.24
81.79
81.87
81.96
82.05
82.14
82.24
82.35
82.46
82.57
82.69
82.82
82.94
83.08
83.22
83.37
83.53
83.70
83.88
84.08
84.28
84.49
84.70
84.93
85.17
85.42
85.69
85.97
86.27
86.58
86.90
87.24
$50,968.60
$48,773.78
$46,673.48
$44,663.62
$42,740.30
$40,899.81
$39,138.57
$37,453.18
$35,840.36
$35,840.36
$34,297.00
$32,820.10
$31,406.79
$30,054.34
$28,760.14
$27,521.66
$27,521.66
$26,336.52
$25,202.41
$24,117.14
$23,078.60
$22,084.79
$22,084.79
$21,133.77
$20,223.70
$20,223.70
$19,352.82
$18,519.45
$17,721.96
$17,721.96
$16,958.81
46
47
LIFE
EXPECTANCY
LIVE
TO AGE
FUNERAL COST
AT DEATH
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
AGE
45 32.81
31.93
31.06
30.20
29.34
28.49
27.65
26.83
26.00
25.19
24.37
23.57
22.77
21.97
21.19
20.42
19.66
18.91
18.17
17.44
16.73
16.02
15.32
14,63
13.96
13.30
12.66
12.04
11.43
10.84
10.26
77.81
77.93
78.06
78.20
78.34
78.49
78.65
78.83
79.99
79.19
79.37
79.57
79.77
79.97
80.19
80.42
80.66
80.91
81.17
81.44
81.73
82.02
82.32
82.63
82.96
83.30
83.66
84.04
84.43
84.84
85.26
$42,740.30
$40,899.81
$39,138.57
$37,453.18
$35,840.36
$34,297.00
$34,297.00
$32,820.10
$31,406,79
$30,054.34
$28,760.14
$28,760.14
$27,521.66
$26,336.52
$25,202.41
$24,117.14
$24,117.14
$23,078.60
$22,084.79
$21,133.77
$21,133.77
$20,223.70
$19,352.82
$19,352.82
$18,519.45
$17,721.96
$17,721.96
$16,958.81
$16,228.53
$16,228.53
$15,529.69
46
47
LIFE
EXPECTANCY
LIVE
TO AGE
FUNERAL COST
AT DEATH
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
EMERGENCY CONTACT SHEETmillions of dollars of life insurance go unclaimed every year
DON’T LET THAT HAPPEN TO YOU!
According to the “National Unclaimed Property Network”, twenty percent of life insurance policies become lost life insurance and are turned over to state unclaimed money departments. Often these insurnace policies become lost
life insurance policies because the survivos never knew the policy existed. (NUPN.com)
Who do you trust to assist your family during their time of need?
As a service to you, we will contact these people and provide them with our contact information and business card so when the time comes, your family won’t be alone.
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
