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Can't find health insurance?
Insurance agent laugh at your request for life insurance?
Tired of paying top dollar for dental/vision services?
Prescription costs got you down? Co-pay or no pay (brand names)?
Let us help!
We have markets for these coverages.
What others turn down, we turn around.
Do you believe everything you hear? Has someone told you that you are un-insurable and can not get coverage?
Tons of people think they can not get any type of coverage because of
having a poor or a pre-existing health conditions or for other
reasons.
Most agents run away from unhealthy clients and are taught to only
focus on the clients that have no health conditions. I want to help them.
What comes to mind when you hear "uninsurable?" - heart attack, stroke, cancer, d.u.i., or obese clients, just to name a few.
You would be right to think that they can’t get "normal" insurance. But many do qualify for some type of coverage.
Graded benefit products take about 95% of the clients out there. There
is hope for many clients that feel like they can’t get any type of
coverage. Most graded benefit products are limited in benefit in the
first couple of years. After the graded period has past, it has full benefits. If the client dies in the graded period, the client usually gets their money back, plus interest (12% to 24%) or a limited amount of the death coverage. This all depends on the company offering the product.
I work with a couple of companies that offer this type of
coverage. I believe that this product can be used to help certain
clients.
After being told many times that you can’t have something that you need, and then you are allowed to have it, you will jump on it. No matter what the price. You know that you have to pay a higher rate if you can even get the coverage to start with. That's what "negative agents" tell you as they are backing away.
Truth is - MOST clients are thrilled to death to get the coverage they didn’t think they could ever get. Most of them have already talked to a couple of agents that have told them that there was nothing they could do to help them.
Graded Benefit polices are great for these types of clients. Let me
give you an example. Let’s say a client that had brain cancer just one
year ago is worried about protecting his family from the cost of a
funeral and wants to buy life insurance. He gets out the phone book
and calls a couple of agents and most of them laugh at him or tell him
that he can’t get any coverage. He gives up on getting any kind of
coverage until he runs into us -
WE can help get YOU some protection. In this example we will use one of our company's product. In the first year it offers return of premium and 12% interest. Second year it offers R.O.P. plus 24% interest. After the second year, it offers full benefit. This is not a bad deal.
It is better then if he put the money in the bank and got a lower amount of interest. It would be hard to find anywhere willing to give him 12 to 24 percent interest on his money. He
understands that he is going to pay a higher premium then someone that is in great health. Most companies Graded Benefit products are non-medical and jet issued.
Give us an opportunity to help YOU!
Assurant Affordable Health Access limited-benefit health plans provide coverage that matters most at costs that make sense. Plans give you what you need for this time in your life, so you can take care of yourself and your family when you need to.
Is Affordable Health Access right for me?
- Access to doctors and preventive care including immunization.
- Prescription drug coverage with set costs.
- Discount features to stretch the value of your plan
- Limited hospital and surgical coverage
- Add-on options for specific needs like dental and vision.
Know the limits
To keep these plans affordable, there are benefit limits. It's important you understand the limits of the plan options to make sure the plan you select is right for your situation. To apply now, click here:
Assurant Health Access Plans
LEARN MORE HERE
Wholesale Prescription Pricing - save up to 90%!
Save on Dental/Vision Services!
