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The Combo Sale Presentation

USABG Eagle Division Total Protection Plus. The Combo Sale Presentation. It has been in use by me for 33 years Personal Production $25 Million Agency production $500 million Every page is important!

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The Combo Sale Presentation

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  1. USABG Eagle Division Total Protection Plus

  2. The Combo Sale Presentation It has been in use by me for 33 years Personal Production $25 Million Agency production $500 million Every page is important! If you want to do what's best for a customer – and double your income – Do Not Cut Corners! You do not have to be an experienced closer to have success with it Can you ask closing questions? Trust the Presentation!

  3. USABG EAGLE DIVISIONCore Companies YOU GOTTA BELIEVE + DECIDE + TAKE ACTION Stay Committed + Stay Focused Plan Your Work…$250K Per Year … Work Your Plan In Under 48 MonthsYou Can Have $20,000 In Monthly Renewals

  4. Steps to Success For Combo SalesTotal Protection Plus Lifestyle Protector 1. What you need to know 2. What you have to do * 4 PARTS 3. Why combo sell 4. What you need to quote 5. Phone scripts 6. Building the combo rate 7. Our presentation…Sink the Hook!

  5. What You Need to Know 82% of all hospital admissions are for Critical Illness & Accidents Represents 75% of dollars spent on health care Six figure claims Average 7.6 months of lost income 70% use all their savings Every client knows someone that has had a critical illness event

  6. WHAT YOU HAVE TO DOIf You Want To Be Successful In Our Business STAY COMMITTED TOTAL PROTECTION 100% PLUS LIFESTYLE PROTECTOR STAY COMMITTED TO THE 50/50 RULE 50% Individual Health / 50% Un-insurable Market STAY COMMITTED TO THE 80/10 RULE 80 Calls Daily / One Appointment = 10 Calls STAY COMMITTEDWeeklyLeads And ToolsSTAY COMMITTED TO WEEKLY SALES GOAL1 COMBO / 1 TEAM CORP / 1 OTHER SALE !!

  7. GOLDEN RULES OF COMBO SALES • Stay Committed • Stick To The Program • Use The Worksheet And Quote The Total Premium NEVER-NEVER-NEVER QUOTE HEALTH OR CI SEPERATELY TRUST THE PRESENTATION

  8. GOLDEN RULES OF APPOINTMENT SETTING • Stay Committed To Your Emails • Stick To The Script • Don’t Let The Tail Wag The Dog UNDERSTAND EVERYONE IS NOT MEANT TO BE YOUR CUSTOMER TRUST THE SCRIPTS

  9. Phone Script For Leads Part #1 My Name is…Full Name With USABG “You went on one of our websites looking for health insurance and your file was assigned to me. Are you looking for coverage to begin right away? What is your situation? Why Now? As you noticed from our website, we carry many companies, just in your zip I have 6 companies and over 300 options, which allows us to shop for you! How many of those options would you like to see?? If I can solve your issues, can we do business?? Very important to LISTEN, write everything down -- you will close them with this information at the application stage

  10. Phone Script For Leads Part #2 • MR. Or Mrs._______, • Let me tell you about my plan and why I think you owe it to your family to talk with me..Then you tell me.. YEA or NEA..FAIR ENOUGH?? My agency has seen over $1 billion in claims, so we know by experience how quick a “MEDICAL CRISIS” can become a “FINANCIAL DISASTER” That’s why we custom build A plan called “TOTAL PROTECTION PLUS” Our plan has 3 parts that are dedicated to Your Health, Your Paycheck, Your Savings and Your Lifestyle. UNLIMITED LIFETIME MAJOR MEDICAL BENEFITSUnlimited Dr Co-Pays + Unlimited Rx** + Unlimited Wellness No deductible + No Waiting Period 100% COVERAGE ON THESE CATASTROPHIC EVENTS Cancer + Heart + Stroke + Kidney Failure + Accidents PLUS INCOME REPLACEMENT UP TO $50K SO BILLS AND LIVING EXPENSES CAN BE PAID FOR UP TO 24 MONTHS What would be a good time to custom build your plan??

  11. Phone Script For Go Leads / ”B” Leads My name is_______ with USA Benefits Group I’m a health insurance adviser here in___________ I specialize in custom built health plans through the top carriers in America. My agency has seen over $1 billion in claims! That is why we specialize in these 3 custom built benefits.. UNLIMITED LIFETIME MAJOR MEDICAL BENEFITS Unlimited Dr Co-Pays + Unlimited Rx** + Unlimited Wellness No deductible + No Waiting Period 100% COVERAGE WITH “ZERO” OUT OF POCKET Cancer + Heart + Stroke + Kidney Failure + Accidents INCOME REPLACEMENT UP TO $100K SO BILLS AND LIVING EXPENSES CAN BE PAID FOR UP TO 24 MONTHS For 33 years I have reduced rates 90% of the time. While adding additional benefits 100% of the time! When can I custom Build your plan??

  12. What You Need To Quote Health conditions Tobacco use Medications Height and weight Who is current carrier? How long? Who makes the decision? IMPORTANT If you lost all of your income due to a critical illness for longer than 6 months, would it affect your family? How much money does it take to pay your bills monthly?

  13. USABG SOLUTIONS PLUS APPLICATION PROCESS GETTING STARTED ON AMERICA’S BEST HEALTH PLAN • Customer Application Checklist • So that you can complete the application easily and completely, be sure you have the following information available or each person applying for coverage. • Birth Date • Your Social Security Number • Height/weight for each person • Information on current and past health insurance plans (if applicable) • Medical history, such as dates of diagnosis, treatment, dates of service, and current status • Prescription drug information such as:drug names, dosages, and date initially prescribed. • Physician/treatment facility contact information • Payment information: For credit card payments, we accept Visa and MasterCard; for automatic bank withdrawal, please have your bank account number and bank routing number

  14. UnitedHealth One / Plan One • Standard Plan • $2,500 80/20 Co-pay Select / $10,000 accident plan • Complete Plan • $5,000 70/30 Co-pay Select / $10,000 accident plan • Assurity Critical Illness • Clico Accident Direct + Hospital Income • Premier Plan • $5,000 80/20 Co-pay Select / $10,000 accident plan • Assurity Critical Illness & Accident Disability Income • Clico Accident Direct + Hospital Income

  15. UnitedHealth One / Plan Two • Standard Plan • $2,500 80/20 Co-pay Select / $10,000 accident plan • Complete Plan • $5,000 70/30 Co-pay Select / $10,000 accident plan • Clico Critical Illness • Clico Accident Direct + Hospital Income • Premier Plan • $5,000 70/30 Co-pay Select / $10,000 accident plan • Clico Critical Illness • Clico Accident Direct + Hospital Income • Clico Accident Disability Income

  16. The Presentation • The Presentation • It has been in use for 33 years • Every page is important! • If you want to do what's best for a customer – and double your income –Do Not Cut Corners! • Personal Production $25 Million • Agency production $450 million • Can you ask closing questions? Trust the Presentation!

  17. Our Presentation…Sink The Hook • Our Presentation…Sink The Hook • Closing begins with your first statement! • Ask closing questions at each stage of our presentation! • People are creatures of habit. The more you can get them agreeing with you, the more business you will write! • The success of our presentation is that no one part is more or less important than another. It is the sum total!

  18. GOLDEN RULES OF COMBO SALESWhat You Need To Do To Be Successful • Stay Committed • Stick To The Program • Use The Worksheet And Quote The Total Premium NEVER-NEVER-NEVER QUOTE HEALTH OR CI SEPERATELY TRUST THE PRESENTATION

  19. USABG Eagle Division Total Protection PlusBASIC TRAININGLEARNING THE PRESENTATION

  20. Page Seven - What Would You Do ? • Page #1 • About USABG • About Eagle Division • Develop an opening statement that will get their attention, and open with it every time! Trust the Presentation!

  21. Page Two = Company Overview • Page #2 • About Hospital Confinements • Stress The 82% = VERY IMPORTANT • 70% Of Insures Use Up All Their Life Savings • Average Of 7.6 Months Of Recovery • #1 Cause Of Bankruptcies • #1 Cause Of Home Foreclosures • #2 Cause Of Small Business Failures OUR GOALS PROVIDE100% COVERAGE ON 82% OF CLAIMS PROTECT ALL FOUR CORNERSTONES OF FAMILY SECURITY HEALTH + PAYCHECK + SAVINGS + LIFESTYLE

  22. Page Six Smart Solutions 100% Plus • #3 How we find you…One Legged Stool • Co-pay health plan only • How we leave you…Three Legged Stool • Co-pay health plan • Unlimited doc + Rx + wellness • First diagnosis benefit • Death benefit • Accident Plan & disability income • Which stool would you prefer?

  23. Page Five “Points” Of Need • #4 MAKE OR BREAK PAGE • Stress the Points • Cover EVERY point • Excellent outpatient 1st dollar care • Unlimited Rx + Unlimited Wellness • Zero out of pocket on Cancer + Heart + Accidents • Cash for income protection • If I can get you all of these benefits at an affordable rate, would we be able to do business?

  24. Page Seven - What Would You Do ? • After Page #4 And Before #5 Say; _____Before we get to the nickel and dime issues, I want to cover 3 of my customers claims. Then I want you to give me an honest answer to this question. • If you knew that any of these claims were going to be you are _______ Would you rather be insured with me, are the way you are insured now??? • Fair Enough?? Trust the Presentation!

  25. Page Seven - What Would You Do ? • After Page #5 • What would you do? 70% use up their life savings! • Our Goals • Cover each Claim • If you knew that any of these claims were going to be you are _______ Would you rather be insured with me, are the way you are insured now??? • Co to worksheet and assume the close Trust the Presentation!

  26. About Our Worksheet • Three Options • STANDARD + COMPLETE + PREMIER • Assume the sale • Ask for the business

  27. USABG Eagle Division Total Protection Plus

  28. About Hospital ConfinementsAmerican Hospital Association Statistics All other procedures and surgeries Accidents *82% We Protect All Four Cornerstones Of Your Family SecurityHEALTH + PAYCHECK + SAVINGS + LIFESTYLE Heart • Stroke • Cancer

  29. MAJOR-MEDICAL TYPICAL HEALTH PLAN CRITICAL ILLNESS ACCIDENT UNLIMITED 80/20 HEALTH PLAN Dr + Rx + WELLNESS + 100% ACCIDENT PLAN + $100,000 LIFE$50,000 CRITICAL ILLNESS + HOSPITAL INCOME + $25,000 ACCIDENT LUMP SUM + DISABILITY INCOME USABG EAGLE DIVISION 7 PART TOTAL PROTECTION PLUS WHICH STOOL WOULD YOU PREFER ?? 80/20 HEALTH PLAN ONLY

  30. USABG Eagle Division Total Protection 100% PlusUnlimited Lifetime Benefits • No Deductible Out Patient Care • UNLIMITED DOCTOR VISITS / $25 Co-Pay • UNLIMITED TIER ONE Rx BENEFITS / $15 Co-Pay • UNLIMITED WELLNESS COVERED 100% + NO WAITING + NO DEDUCTIBLE + NO CO-PAY • 100% COVERAGE ON ACCIDENTS • Total Protection 100% Plus On These Confinements • 100% COVERAGE ON CANCER + INCOME PROTECTION OF $50,000 • 100% COVERAGE ON HEART ATTACK + INCOME PROTECTION OF $50,000 • 100% COVERAGE ON HEART ATTACK + INCOME PROTECTION • 100% COVERAGE ON STROKE + INCOME PROTECTION OF $50,000 • 100% COVERAGE ON ACCIDENTS**** • LUMP SUM UP TO $25,000 + DISABILITY PAYMENTS FOR 12 MONTHS • ALL FOR THE PRICE OF A HEALTH PLAN

  31. WHAT WOULD YOUDO??..70% USE UP ALL THEIR SAVINGS OUR GOALS ARE VERY SIMPLE Pay The Bills 100% Provide Income + You Recover BREAST CANCER 10 MONTHS OF LOST INCOME • Total Bill = $314,137… Bill paid 100% • Received $75,000 Check On Diagnosis • Paid $13,000 For Out Of Pocket Expenses • $62,000 For Living Expenses COLON CANCER 19 MONTHS OF LOST INCOME • Total Bill = $487,000… Bill paid 100% • Received $100,000 Check On Diagnosis • Paid $28,000 For Out Of Pocket Expenses • $72,000 For Living Expenses FALL FROM ROOF 13 MONTHS OF LOST INCOME • Total Bill = $287,000… Bill paid 100% • Received $25,000 Up Front Cash PLUS • Received $2,500 Per Month Disability Income For One Year.

  32. TOTAL PROTECTION PLUS Option 1 / Standard Option 2 / Complete Option 3 / Premier $2500 Deductible 80/20 $5,500 Stop Loss Unlimited Lifetime Benefits Unlimited Dr. Visits Wellness 100% Unlimited Rx Accidents 100% Office/Clinic/Hospital $5,000 Deductible 70/30 $10,000 Stop Loss + Assurity Critical Illness $100,000/$50,000 Each + Clico Accident Direct $25,000 + Clico Hospital income $500 / $1,000 • $5,000 Deductible • Critical Illness $30,000 • Accident $25,000 • Hospital Confinement $500 $5,000 Deductible 70/30 $10,000 Stop Loss + Assurity Critical Illness $100,000/$50,000 Each + Clico Accident Direct $25,000+ $1,500 ACCIDENT DI EACH + Clico Hospital income $500 / $1,000 $616 $608 $627 Which of these 3 plans best protects your family?

  33. Contact Information David L. Collins USA Benefits Group Eagle Division dc@usabg.net http://www.dc-usabg.com

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