Enroller Information

Accident Insurance

Accident insurance can pay a benefit directly to you if you suffer a covered injury. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesn’t cover.

Key Points:
  • Pays a lump-sum benefit based on type of injury sustained and treatment needed

  • Covered injuries include broken bones, cuts, burns, eye injuries, ruptured discs, coma, etc.

  • Benefit can be used however employees choose

  • Benefit can never be "used up." If you are especially unlucky and have to get stitches twice in a month, or if you break your leg one day and your arm a year later, it's all covered.

 

Critical Illness Insurance

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness.  You choose the level of coverage, and you can use the money any way you see fit.​

  • Every 34 seconds someone in America will have a coronary event.

  • Every 40 seconds someone in America will have a stroke.

  • The risk of developing cancer during a lifetime is nearly 1 in 2 for men and 1 in 3 for women.

Key Points:
 
Guardian Critical Illness Insurance

Hospital Indemnity Insurance

Your medical insurance covers many of the costs associated with a hospital stay and outpatient surgery, but what you may not know is that you could still be left with significant out-of-pocket expenses. Those expenses include things like Medical insurance deductibles, copays, and alternative treatments. Don't forget about less-obvious expenses you may incur: childcare, transportation to health facilities, and diagnostic tests.

Key Points:
 

Individual Short Term Disability Insurance

If you got hurt or sick and couldn't work, could you afford to pay your bills?

Disability Insurance pays a portion of your lost income if you suffer a covered disability.

Key Points:
 
Unum Individual Short Term Disability Insurance
MetLife Individual Short Term Disability  Insurance
Guardian Individual Short Term Disability Insurance

Whole Life Insurance

 Whole life is an insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against. 

Key Points:
  • A majority of owners (53%) say a major reason they have life insurance is to cover their funeral and final expenses. 

http://www.thinkadvisor.com/2013/01/18/limra-70-of-americans-fail-life-insurance-iq-test

  • 70% of Americans failed a recent 10-question basic Life Insurance IQ test

LIMRA Study published 4/5/2016: 2016 Life Insurance Barometer Study, Life Happens

  • Of the total individual policies purchased in 2015, 38% were term life vs permanent life, which came in at 62%.

https://termlife2go.com/life-insurance-statistics-top-facts-and-data/

 
MetLife Whole Life  Insurance
Guardian Universal Life  Insurance

Term Life/AD&D Insurance

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Key Points:
  • 38% of Americans haven't bought life insurance or more of it because they're unsure of how much or what type to buy

LIMRA Study published 4/5/2016: 2016 Life Insurance Barometer Study, Life Happens

  • 70% of U.S. Households with children under 18 would have trouble meeting everyday living expenses within a few months if a primary wage earner were to dit today. 

LIMRA Study published 4/15/2015: 2015 Life Insurance Barometer Study, Life Happens

  • Some sources suggest that less than 2% of term policies ever result in a death claim.

http://www.huffingtonpost.com/wm-scott-page/the-life-insurance-indust_b_1937246.html

 

Medical Insurance: Terms & Resources

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Post-Enrollment:
Employee Resources, Policy Delivery, etc

 
General Resources​

Pre-Existing Conditions

12/12 Pre-Existing Condition Exclusion
6/12 Pre-Existing Condition Exclusion
3/12 Pre-Existing Condition Exclusion
 

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Enroller Guide & Enroller Info Folder

Case-specific information, like Guarantee Issue limits, unique product provisions, and waiting periods are found here.

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Citations & Links

Whole Life Insurance

“70 percent of Americans failed a recent 10-question basic life insurance IQ test.”

Date of publication: 01/18/2013

Title: LIMRA: 70% of Americans fail life insurance IQ test

Publisher: ThinkAdvisor

URL: http://www.thinkadvisor.com/2013/01/18/limra-70-of-americans-fail-life-insurance-iq-test

 

“A majority of owners (53%) say a major reason they have life insurance is to cover their funeral and final expenses”

Author/Creator: LIMRA

Date of publication: 04/5/2016

Title: 2016 Insurance Barometer Study, Life Happens

Publisher: LIMRA

 

“Of the total individual policies purchased in 2015, 38% were term life vs permanent life, which came in at 62%.”

Date of publication: 02/08/2017

Title: LIFE INSURANCE STATISTICS [TOP FACTS AND DATA]

Publisher: TermLife2Go

URL: https://termlife2go.com/life-insurance-statistics-top-facts-and-data/