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Welcome to United American First United American Eastern Region Webinar. Welcome. Welcome to United American’s Eastern Region Webinar. Just for attending today’s entire Webinar, you will receive: Lunch Gift Card * Lead Drawing – 2,000 Piece Lead Order ($770 value!) ** - PowerPoint PPT Presentation
Citation preview
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Welcome to
United AmericanFirst United American
Eastern Region Webinar
1
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Welcome
Welcome to United American’s Eastern Region Webinar
Just for attending today’s entire Webinar, you will receive:
•Lunch Gift Card *
•Lead Drawing – 2,000 Piece Lead Order ($770 value!) **
•Opportunity to contract with our “Lead” Contract or our Traditional Contract
2
* Receive a gift card of $10 and redeem it for lunch at any Olive Garden, Red Lobster, Bahama Breeze, Seasons 52, The Capital Grille, or Longhorn Steakhouse restaurant in the United States. Gift Cards will be issued at the end of the webinar.
** Drawing held monthly; must be licensed with United American to qualify
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Win a Kindle Reader!
3
Attend a Seminar Workshop and Enter to Win a Kindle Reader
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Charles R. Mankamyer
4
Senior Vice-President United American – General Agency
• Past President & CEO
American Life & Health Group, Inc.
Palm Beach County, Florida
• Contracted with United American as a General Agent in 1979
• GA with Career Agents in Florida
• GA with Brokers/Agencies in all 50 states
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Ryan Sykes
5
DirectorEast Coast Region
“I have been in the business for almost 10 years and started as an agent going door to door just like most of you. I travel around the East Coast holding training and recruiting Seminars.
“I am here to help everyone in the East Coast but I work closely with GAs that want to build productive teams.
“In my opinion, the most exciting part about what we offer to Agents are the Lifetime (Level-MedSup) Renewals on all products.”
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Focus of this meeting
• Help you transition more of your business into Senior Market. The Senior Market and Medicare Supplements offer the MOST growth opportunity in the most stable market!
• New Leads Systems (Lead Contract)
• 2,000 Piece Lead Order (Entered into drawing) *
• Medicare Advantage – Cancellations!
• Persistency - $ Your Profits $
• Overview of our Supplemental Health, Life & Annuity Products **
• Outstanding opportunity for the Producer and the Agency
6
* Drawing held monthly; must be licensed with United American to qualify
** Product availability varies by state
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Introduction to Company History
• United American opened its doors in 1947 to provide life, supplemental health, and accident coverage to individuals.
• Even before Medicare was signed into law in 1966, the Company made the decision to focus its attention on the individual health market with an emphasis on Seniors. This foresight paid off and we gained recognition as one of the nation's leading writers of individual Medicare Supplements*.
• In the state of New York, our individual insurance business is conducted through United American's subsidiary, First United American Life Insurance Company. An independent Agent system is employed to deliver Annuity or Medicare Supplement coverages to customers living in this state.
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* NAIC 2009 Medicare Supplement Insurance Experience Report, May 2010
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
UA / First UA Financial Strength Ratings
United American
• A+ (Superior) Financial Strength Rating from A.M. Best Company for more than 30 consecutive years (as of 6/10)
• AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 5/10)
First United American
• A+ (Superior) Financial Strength Rating from A.M. Best Company for more than 20 consecutive years(as of 6/10)
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Safety for your clients, you and your family!
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Service Performance Record
Our 2010 Service Performance Record speaks for itself
Activity StatisticNumber of Policies In Force 493,175Total Claim Transactions 5,138,602Non-Med-Supp Health Transactions 135,480Customer Calls Services 916,292Turnaround Times: Medicare Supplement Claims Processed All Policies Issued
2.31 calendar days6.34 calendar days
(United American company data)
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
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• High Commissions and Renewals paid for the life of the policy.• Yes/No Applications
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
11
• High Commissions and Renewals paid for the life of the policy.• Yes/No Applications
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
12
• High Commissions and Renewals paid for the life of the policy.• Yes/No Applications
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
13
• High Commissions and Renewals paid for the life of the policy.• Yes/No Applications
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
Life InsuranceFundamental Life Series ILife insurance policies from $1,000 - $20,000
10 Year Renewable Term (ages 18-80), Whole Life (ages 0-80) and 21 Pay Increasing Benefit (ages 0-72)
Fundamental Life Series IILife insurance policies from $25,000 - $500,000
10 Year Renewable Term (ages 0-60), 10 Year Term To Annual Renewable Term (ages 20-70), 20 Year Term to Annual Renewable Term (ages 20-60) and Whole Life (ages 0-80)
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
What UA Offers Our Producers & Policyholders, today!
Annuities
Lifestyle Single Premium
Minimum 3% Interest
Maximum Deposit $20,000
Minimum Deposit $5,000
Issue Ages 0-80
Withdrawal Charges Eliminated after Year 6
Hospitalization and Nursing Home Waiver of Withdrawal available in most states
15
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Facts
Traditional Medicare Supplements
Year # of Americans becoming eligible for Medicare
Total # of Americans over age 65
2010 2 million 40 million
2011 3 million 43 million2012 2 million 45 million
2013 2.5 million 47.5 million
2014 2 million 49.5 million
Opportunity - # of Senior Americans aging into Medicare
In the next 5 years, 11.5 million Americans will enter the Medicare Supplement Marketplace
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Facts
In the next 10 years, 21 million American Seniors will enter the Medicare Supplement Marketplace
What portion of this outstanding business opportunity will you convert into your personal financial security?
17
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
UA’s 2011 Medicare Supplements
UA Markets 10 of the 11 Standardized Plans(A, B, C, D, F, HDF/F+, G, K, L, and N)
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MEDICARE PLANS / BENEFITS A B C D F HDF/F+ G K L N*
Basic Benefits
Hospitalization (Part A Coinsurance) Medical Expenses (Part B Coinsurance) 100% 100% 100% 100% 100% 100% 100% 50% 75% Copay
Blood 50% 75% Hospice 50% 75%
Skilled Nursing Facility Coinsurance 50% 75% Part A Deductible 50% 75% Part B Deductible
Excess Doctor Charges Foreign Travel Emergency
Annual Calendar Year Deductible, orOut-of-Pocket Annual Limit
$2,000 $4,620 $2,310
High Deductible Plan F (F+ in NY) benefits begin after out-of-pocket expenses exceed calendar year deductible ($2,000 in 2011)* Copay = $20/office visit; up to $50/ER visit Once annual limit is reached the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year.
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
History of HDF
• Designed to address Seniors’ concerns of higher premiums
• Great choice for seniors who are relatively healthy and can afford to pay out-of-pocket deductible
• Per the Centers for Medicare & Medicaid Services (CMS), the annual HDF deductible may or may not increase. Adjustments in the HDF annual deductible amount is subject to the release of the Consumer Price Index (CPI) which generally occurs in mid-to-late September of each year.
• 2011 deductible ($2,000) did not change from 2009 and 2010
• One rate increase nationwide over the last 5 years
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Cost of Insurance
Challenge:• Most Americans think they
pay too much for nearly any form of insurance they carry
Solution:• Help save clients premium
dollars
How can you save me premium dollars?
How can you save me premium dollars?
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Premium Savings
Q: How do people save money on any kind of insurance (health, car, homeowners)?
A: They raise their deductible.
And
SAVE
$$$$$$$$$$$$$$$$$$
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
HDF Claim Example
Mary has an HDF policy
What happens when she has a Part B claim?
22
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Mary’s Part B Claim with HDF
1. Medicare pays 80% of Medicare-approved charges
2. Mary pays 20% (until her deductible is reached; think of the deductible like a copay/coinsurance) plus any excess charges
3. When Mary reaches her $2,000 annual deductible, the HDF policy begins paying the 20% plus any excess charges
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Cost-Sharing Concept
Total approved Part B Doctor Claim $100
Medicare’s 80% of Approved Charge $80
Customer’s 20% of Approved Charge(after deductible reached, we pay 20%)
$20 (Emulates copay/coinsurance)
Total Senior owes $0*
* Policyholder must meet HDF annual deductible ($2,000 in 2011) before benefits begin, and pay their HDF premiums.
24
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
National average, age 65, female, non-tobacco user.Example assumes no rate increases on either plan; policyholder must meet HDF annual deductible
($2,000 in 2011) before benefits begin
For illustrative purposes only
Premium Savings Example
Agents can help Seniors understand how HDF may be suitable coverage for their health needs AND budget
National Average Premium
$172 Plan F Monthly Premium
$ 41 Plan HDF Monthly Premium
$131 Monthly Premium Savings
X 12 months
$1,572 Annual Premium Saved
X 10 years
$15,720 10 Year Premium Saved
25
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
* UA ProCare MD rates, 65-yr-old female, nonsmoker** Example assumes no rate increases on either plan; policyholder must meet HDF annual deductible ($2,000 in 2010) before benefits begin
For illustrative purposes only
Premium Savings Example
Agents can help Seniors understand how HDF may be suitable coverage for their health needs AND budget
Maryland Attained Age$156* Plan F Monthly Premium
$40* Plan HDF Monthly Premium
$116 Monthly Premium Savings
X 12 months
$1,392 Annual Premium Saved**
X 10 years
$13,920 10 Year Premium Saved**
26
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Premium Savings Example
• In the previous slide, the example assumed HDF premium savings of $13,920 for Maryland over a 10-year period.
• Example assumes no rate increases on either plan; however based on Company experience, Plan F rate increases occur more frequently than on HDF, which averaged only one increase nationwide over the last 5 years.
• Do you know of any other Medicare Supplement that has had only one rate increase in the last 5 years?
• Do you know of any with a 25% rate reduction?
27
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
HDF vs. Plan F
• HDF premiums are LOWER than Plan F premiums because HDF has a $2,000 out-of-pocket deductible before the benefits take effect
• HDF policyholder does NOT have to meet deductible BEFORE Medicare will pay!!
• PLUS, Excess Charges
28
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Claims Data
Under Age 68 Age 68-72 Age 73+Med-Supp
Claim Amounts
% of populationAverage Annual
Claims Cost% of population
AverageAnnual
Claims Cost% of population
Average Annual Claims
Cost
Under $200 25% $80 17% $95 11% $106
Under $500 49% $203 41% $235 33% $256
Under $1,000 66% $338 61% $394 52% $430
Under $1,900 80% $534 78% $621 71% $707
Over $1,900 20% $5,435 22% $4,734 29% $4,875
Totals 100% $1,493 100% $1,511 100% $1,921
• 80% of United American’s Medicare Supplement population up to age 68 has annual claims above Original Medicare of $534 on average
• 78% of our Company’s Medicare Supplement population up to age 72, has annual claims above Original Medicare of $621 or less on average
• 71% of our Company’s Medicare Supplement population age 73 or older, has annual claims above Original Medicare of $707 or less on average
Source: United American 2009 Claims data)
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Saving Premium Over Time
30
10 Year premium savings when purchasing
Plan HDF (F+) instead of Plan F
Year’s annual HDF deductible paid
Remaining Savings
Year 1 $13,920 $2,000 $11,920
Year 2 $13,920 $2,000 $ 9,920
Year 3 $13,920 $2,000 $ 7,920
Year 4 $13,920 $2,000 $ 5,920
Year 5 $13,920 $2,000 $ 3,920
Year 6 $13,920 $2,000 $1,920
Example assumes no rate increase and no Medical High Deductible increase.
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Premium Savings
How could Mary use money leftover from her premium savings?
31
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Three Great Options For Annual Premium Savings
32
• Life Insurance
• Reserve Fund Annuity
• Lifestyle Annuity
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
HDF and Reserve Fund Annuity (RFA)
• UA offers a unique product – Reserve Fund Annuity - that assists Med-Supp policyholders with paying HDF calendar-year deductible or copayment
• RFA’s interest rate is guaranteed at 3% - higher than some current savings accounts at many banks
• No charge to open, no lock-in time for deposits, no surrender charges, and no commission loads
• HDF frees unspent premium so customers can buy additional coverage - this generates more commissions for you!
33
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Reserve Fund Annuity
• Funds in an RFA can be used to pay for calendar year deductible or copayments associated with ProCare Medicare Supplement Plans A, B, D, HDF, G, K or L
• With Plan A: Medicare Part A hospital inpatient deductible, Medicare Part B annual deductible, and Medicare Part B excess charges for Medicare approved services;
• With Plans B & D: Medicare Part B deductible and Medicare Part B excess charges for Medicare approved services;
• With Plan G: Medicare Part B deductible.
• With HDF: Calendar year deductible ($2,000 in 2011)
• With K & L: Out of Pocket limit ($4,640 & $2,320 respectively in 2011)
34
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Three Interest Rate Examples
35
RFA Checking Savings(Through Passbook Savings)
$2,000 premium saved and deposited each year x 10
years
@ 3% guaranteed interest*
$2,000 premium saved and deposited each year x 10
years
@ .15% interest*
$2,000 premium saved and deposited each year x 10
years
@ .25% interest*
$23,615.59 fund accumulation -$20,000 HDF premium savings
$20,165.74 fund accumulation -$20,000 HDF premium savings
$20,277.07 fund accumulation -$20,000 HDF premium savings
$3,615.59 Interest Earned(Tax Deferred)
$ 165.74 Interest Earned(Taxed)
$ 277.07 Interest Earned(Taxed)
* Accumulating monthly (compounded annual yield)
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Continuing to Improve Seniors’ Options
36
AnnuitiesLifestyle Single Premium
Minimum 3% Interest
Maximum Deposit $20,000
Minimum Deposit $5,000
Issue Ages 0-80
Withdrawal Charges Eliminated after Year 6
Hospitalization and Nursing Home Waiver on Withdrawal available in most states
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Life InsuranceFundamental Life Series ILife insurance policies from $1,000 - $20,000
10 Year Renewable Term (ages 18-80), Whole Life (ages 0-80) and 21 Pay Increasing Benefit (ages 0-72)
Fundamental Life Series IILife insurance policies from $25,000 - $500,000
10 Year Renewable Term (ages 0-60), 10 Year Term To Annual Renewable Term (ages 20-70), 20 Year Term to Annual Renewable Term (ages 20-60) and Whole Life (ages 0-80)
37
Continuing to Improve Seniors’ Options
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Life Expectancy/Renewals-Total Income
Other companies dramatically reduce or eliminate long-term renewals to Agents after first five renewal years, touting ‘short average life of their business’ as the reason. We base our decision to continue paying long-term renewals on solid research.
• Average 65-year-old man can expect to live to age 84• Average 65-year-old woman can expect to live to age 87• Some couples will have at least one partner live
to age 90 or 95
38
That’s potentially 25-30 years of renewal commissions!!Limited to 6th policy year on Guaranteed Issue Medicare Advantage replacements;
not applicable in WA.
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
UA Level Renewals
The key to Producers’ long-term financial security!!!
UA Renewals Brand X Renewals$500
X 25 Years$500
X 5 Years
$ 12,500 $2,500
IT IS TIME TO ADD YOU & YOUR FAMILY INTO YOUR BUSINESS DECISIONS
For illustrative purposes only.
39
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
UA Medicare Supplement Level Renewals
If you earned $50,000 in 1st year commissions and level renewals after 10 consecutive years your annual income would be $500,000
= $41,666 Monthly-% persistency (death & lapses)
•Vested from first dollar
•Paid for the life of the policy
•Willable
40
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Think of your Client …
Service … After the Sale!• Sold Medicare Supplement at Age 65 – client in good health
• Age 75 – client no longer in good health and needs Agent’s personal service …
UA Brand X• Agent continues to get paid to provide
extra service to client as long as client has our policy!
• Will you help the client?
• This is now 10 years after the sale and more than four years since you have received any compensation to service this client. ($0) for your services!
• Will you help this client?• How fast will you help?
We appreciate our Agents and clients. We pay renewals to service the client as long as they are our policyholders!!!
41
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Advantage Plans – Additional Opportunity
42
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Advantage Plans
• In 2010, more than 636,000 seniors were canceled by their Medicare Advantage provider
• Today there are almost 700,000 canceled seniors from MA plans for 2011!
• All UA Medicare Supplements are “Guaranteed Renewable for Life”, UA can not cancel the senior!
• Medicare Advantage Plans can change the Senior’s benefits
43
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Advantage Plans
If the Senior is NOT CANCELLED
Changes in 2011o Government starts Defundingo More MA Cancellationso Higher Deductibles / Copays
Some changes in 2010 MA Plans:o Higher Deductibles / Copayso Increased Out-of-Pocket Costso Fewer Doctors / Hospitalso Higher Cost to the Senior
More Individuals Moving to Medicare Supplements
44
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Medicare Advantage Plans
2009 vs. 2010 Benefit Reductions
2009 2010
$150-$175 daily hospital copay with maximum of 5-15 days
$175-$225 daily hospital copay with no maximum number of days
$2,000-$3,000 healthcare annual out-of-pocket maximums
$3,400-$7,500 healthcare annual out-of-pocket maximums
More changes for 2011 … UP TO $10,000 Out-of-Pocket Costs to Seniors!
45
More Individuals Moving to Medicare Supplements
• Fewer Doctors/Hospitals• Higher cost to the senior!
Source: Medicare.gov
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Learn More at CMS About Medicare Advantage!
• http://go.usa.gov/CL3 and click on ‘Downloads’
• This site is an excellent overall source of information about Medicare Advantage enrollments.
• The more you know, the more you can help your customers make the right decision.
46
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Never Run Out of Leads Again!
47
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
U & UAThe Best Team in The Senior Market
48
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Would You Trade 2% for 15% ???
Optional Lead Contract
49
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
(Hospital Indemnity, Cancer, Critical Illness, Accident & Medicare Supplement)
15% of NAP placed into Agents Personal Lead Account
Health Insurance Premiums
50
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Sell two (husband & wife) our most popular Medicare Supplement Plan F, sold in Maryland
Husband $ 2,157 NAP ($180 monthly premium)
Wife + $ 1,875 NAP ($156 monthly premium)
Total $ 4,032 Total NAP × .15 Lead Account Allotment
$ 604.80 Placed in Agents Lead Account
Example
UA helps our Agent build their business…Vendor List – 60 Approved Lead Vendors
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
(All Life Products)
10% of NAP placed into Agents Personal Lead Account
Life Insurance Premiums
52
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Sell husband & wife each a $50 monthly premium Final Expense Plan in any state where available
Husband $ 600 NAP
Wife + $ 600 NAP
Total $ 1,200 Total NAP × .10 Lead Account Allotment
$120.00 Placed in Agents Lead Account
Example
UA helps our Agents build their business…Vendor List – 60 Approved Lead Vendors!!!
53
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
How will our Lead Contract generate more income for you ?
Lead Account; using the examples shown:
Optional Lead Contract
54
$604.80 From Medicare Supplement Sale
+ $120.00 From Final Expense Sale
$724.80 Total in Lead Account
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Order direct mail Medicare Supplement lead mailers to the zip codes of your choice and the criteria of your choice
38.5 cents per lead mailer. Minimum order 1,000 leads (UA discount applied)
Optional Lead Contract
55
$724.80 Total in Lead Account
1,882 Leads Ordered
.23 Lead Account Balance
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
How do UA Agents profit from lead contract …
Optional Lead Contract
56
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
How do UA Agents profit from Lead Contract ?
Nationwide average returns of 3% - 5%(recent returns in Florida 7.9% & New York 11.9%)
1,882Leads mailed
× 4% Returns
75 HOT LEADS !
Optional Lead Contract
57
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
No Gimmicks
No Survey
No Bogus List
No Multiple Mailings
Just Great Response Leads … Sent Only to You!
You Choose Your Demographic
Optional Lead Contract
58
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
75 Leads
25 Sales (1/3rd)…You could sell more!
All single, female, non-smokers, age 65, Plan Fs
$1,875 Premium X 25 = $46,875 NAP !
Optional Lead Contract
59
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
$7,031.25 ADDED TO YOUR LEAD ACCOUNT!
PLUS YOUR COMMISSIONS!
18,262 Leads (.385 cents per lead mailed)
× 4% Return
730 Hot Leads!
YOU KEEP SELLING AND YOU COULD RECEIVE LEADS FOREVER!!!
Optional Lead Contract
60
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Build Your Career Agency
It is time to BUILD YOUR CAREER AGENCY
Contract Today & UA Will Help You Build Your Business!
61
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Commitment to “Producers”
The BEST time to Sell Medicare Supplements!1. We will supply you with a list of individuals Turning Age 65 in the
ZIP codes of your choice approximately 6 months before their birthday! Some with phone numbers.
2. Be the first to explain the new changes these Seniors will be facing and explain why UA is their best choice!
3. They do NOT already have a Medicare Supplement / Medicare Advantage Plan – start these individuals off with a UA Medicare Supplement and keep them as clients for life!
NO-COST, MEDICARE SUPPLEMENT LEADS. PRODUCTION REQUIRED TO KEEP THIS FREE SERVICE!
62
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Commitment to “Producers”
4. We will supply you with an approved and proven “Pre-Approach Letter” to individuals turning age 65.
5. Laptop & Seminar Presentation.
6. eApp – Soon to be released!
7. Just for attending the entire Webinar your name will be placed into a drawing for 2000 Medicare Supplement Lead Order
8. Lunch
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NO-COST, MEDICARE SUPPLEMENT LEADS. PRODUCTION REQUIRED TO KEEP THIS FREE SERVICE!
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Overview
• UA … Totally committed to the Medicare Supplement market!
• Great opportunity for Agents with 19 million people aging into Medicare in the next 10 years!
• Traditional Medicare Supplement marketplace virtually untouched by healthcare reform!
• Build commissions and renewals for the “Life of the Policy”!
• Almost 700,000 seniors need your services … right NOW!
64
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Overview – Continued
• Complete product portfolio: Medicare Supplement, Life Insurance, Annuities, Hospital Indemnity, Cancer, Critical Illness and Accident
• Renewals paid for the life of the policy
• UA’s HDF + Life Insurance + RFA + Lifestyle Annuity
• More coverage for the client and more commissions and renewals for the agent.
TRULY A WIN – WIN SITUATION…
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
IMPORTANT!
• This presentation is not to be used in sales presentations. It is merely an example to assist Agents in understanding the fundamental concepts of how HDF can benefit prospects.
• Refer to previously supplied presentation brochures that have been approved for field presentations to customers.
Not Approved For Advertising Use
66
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
New Agent Lead Incentive Program
The New Agent Lead Incentive Program was designed to help newly appointed UA Agents earn more money faster during your first 60 days! When you achieve a certain production level during your first 60 days, we’ll give you up to 2,000 Direct Lead Mailers — FREE!!!
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
How does the New Agent Lead Incentive Program work?
• New Agents who produce $10,000 net annualized production (NAP) during their first 60 days (after appointment) will be awarded 1,000 Direct Lead Mailers!
• New Agents who produce $15,000 net annualized production during their first 60 days (after appointment) will be rewarded with 1,500 Direct Lead Mailers!!
• New Agents who produce $20,000+ net annualized production during their first 60 days (after appointment) will be rewarded with 2,000 Direct Lead Mailers!!!
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Existing Agent Lead Incentive Program
Effective March 1, 2011, United American has implemented an Existing Agent Lead
Incentive Program for those with the Company for more than 60 days.
(For a new Agent to continue with the Existing Agent Lead Incentive Program, the new Agent must have qualified for
leads during their first 60 days with the Company.)
UA is committed to helping you earn more money faster.
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
How does the Existing Agent Lead Incentive Program work?
• Existing Personal Producers with an NAP increase of $10,000+ over their previous month or the highest month starting Feb. 1, 2011, will be awarded 1,000 Direct Lead Mailers!
- Existing Personal Producers with an NAP increase of $20,000+ over their previous month or the highest month starting Feb. 1, 2011, will be awarded 2,000 Direct Lead Mailers!!
• Existing Agents can KEEP earning FREE Direct Lead Mailers by continuing to increase their NAP by 10,000+ more than the previous month’s NAP
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Here’s an example:
Bob produced $25,000 NAP in Feb.
Bob produced $45,000 NAP in March, which also earned him 2,000 Direct Lead Mailers.
Bob produced $55,000 NAP in April, which also earned him 1,000 more Direct Lead mailers.
Bob produced $65,000 NAP in May, which also earned him another 1,000 Direct Lead Mailers.
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Annual Convention 2012
Dominican Republic• Agency only $350,000 NAP
• Agent only $150,000 NAP
You and Your Guest will Enjoy
• Join us!!!
• Hard Rock Hotel & CasinoPunta Cana
• June 28 – July 1, 2012
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For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Charles R. Mankamyer,
Senior VP United American – General Agency
Representing UA in the field as one of UA’s largest producers from 1979 to 2009…
The opportunities available today with UA and the Senior Market are outstanding, may be the best opportunity since Medicare began in 1966!
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For those Agents that will recognize this opportunity and work it to its fullest potential…it will change their lives and their families lives!
Good Luck & Good Selling,
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Contracting Now…
United American Insurance Company
• UA will email you our Top Broker Lead Contract• Look for email from “GMBX Contracting”• Complete paperwork ASAP• Return to UA (email, fax or mail) all return information is included in paperwork• Send copy of your current Resident State Insurance License• State appointment fee if applicable
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TAKE ACTION NOW!
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Contracting Now…
The faster you complete our contracting paperwork the faster you will become appointed and can start earning commission, vested renewals, and start generating the leads from your lead contract.
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FREE TURNING AGE 65 LEADSCan be ordered as soon as you are appointed.
CONTRACT…ASAP!
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Contacts
Charles R. MankamyerSenior Vice President(469) [email protected]
Ryan Sykes Director – Northeast Region(518) [email protected]
Eric DouglasDirector - Southeast Region(214) [email protected]
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Tom ConnerDirector - Central Region(214) [email protected]
John WeirDirector – Western Region(214) [email protected]
Danielle Kirschner Recruiter(469) 525-4280- office(469) 525-4806- [email protected]
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
General Agent Region Map
Western Region - John Weir
Central Region - Tom Conner
Northeast Region - Ryan Sykes
Southeast Region - Eric Douglas
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Webinars & Seminars
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Week of March 28 (NE Region) New York (Latham, Liverpool, Watertown, Rochester, Cheektowaga-Buffalo)
Week of April 4 (Central Region)
Wisconsin (Middleton, Milwaukee)
Illinois (Schaumburg, Warrenville, Springfield)
Week of April 11 (Western Region)
Oregon (Portland, Salem, Medford)
California (Redding, Sacramento)
Tuesday, April 19 WEBINAR - 10:00 - 11:00 (PST)
Wednesday, April 20 WEBINAR - 10:00 - 11:00 (CST)
Thursday, April 21
WEBINAR - 10:00 - 11:00 (EST)
WEBINAR - 2:00 - 3:00 (EST)
Week of April 25 (SE Region)
Virginia (Richmond, Roanoke)
Tennessee (Knoxville, Chattanooga, Nashville)
Week of May 2 (NE Region)
Michigan (Detroit, Ann Arbor)
Ohio, Pennsylvania (Cleveland, Pittsburgh)*
Ohio, Indiana (Columbus, Indianapolis)**
For Agent Training use only; not approved for use in sales presentations. UAI1778 EASTREG 0211
Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Fast Start Kit
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Thank You!
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