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National Insurance Agency Critical Illness

FOR AGENT USE ONLYPolicy Form CI-005. Product availability, rates and features may vary by state.H263-0610

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Who do you know?

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WHAT?

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Why Critical Illness Protection?• Removes the financial stress

• Exists because We survive the covered conditions

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You need Critical Illness Insurance; not because you are

going to die, but because you are going to survive!

Dr. Marius Barnard

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Simplified Critical Illness

Covered Conditions

Category 1 Category 2 Category 3Invasive Cancer Heart Attack Adv. Alzheimer’s

Disease

Cancer in Situ Major Organ Transplant Coma-not from stroke

Heart or combination End-Stage Renal Failure

Transplant including Heart Major burns

Stroke Major Organ Transplant

Coronary Bypass Surgery Other than heart

Angioplasty Paralysis-not as a result

of stroke

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Critical Illness

Why would I buy it if I have health insurance?

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What’s in the FINE print?

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Three Things You Need...

National Network of DoctorsDesign Plans to Fit Individual NeedsHSA’s Available with FamilyDeductible and 100% coinsurance optionWrite off contributions to HSA on taxes1st 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 doctorUse 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 illness68% of dollars spent on claims involve heart, cancer or stroke

Category 1100% Benefit

Invasive cancer Cancer in situ (non-invasive) (payment once per lifetime)

Health Accident Critical Illness Coverage Amount quoted:

Category 2100% Benefit

Heart AttackHeart TransplantStroke

25% BenefitCoronary Bypass

10% BenefitAngioplasty

Category 3100% BenefitAdv. Alzheimer’sComaEnd-Stage Renal FailureMajor BurnsMajor Organ TransplantParalysis

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Critical Illness

Why would I buy it instead of cancer insurance?

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Critical Illness

Why would I buy it if I have life insurance?

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Life Insurance is NO Longer Enough

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Starting theConversation…

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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?

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How would you open a discussion of Critical Illness

as mortgage protection?

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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...

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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

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If you were diagnosed with cancer, would you rather lose your home or your mortgage?

Easy Conversation

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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

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People hate to be sold but they love to buy.

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