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APPLETON, WI
YAKIMA, WA
CEDAR RAPIDS, IA
SALT LAKE CITY, UT
MESA, AZ HOT SPRINGS, AR OLATHE, KS FORT WORTH, TX LITTLE ROCK, AR AUSTIN, TX WACO, TX DALLAS, TX ATLANTA, GA WOODSTOCK, GA LAWRENCEVILLE, GA SARASOTA, FL MELBOURNE, FL WINSTON-SALEM, NC GREENVILLE, SC ASHEVILLE, NC PITTSBURGH, PA BURLINGTON, NC APEX, NC WINSTON-SALEM, NC NEW YORK, NY CHARLESTON, WV CLINTON, CT COLUMBUS, OH GRAND HAVEN, MI DENVER, CO OHAMA, NE COLUMBIA, MO CHICAGO, IL NORFOLK, NE LA CROSSE, WI GRIGGSVILLE, IL UNCASVILLE, CT EAST HANOVER, NJ RALEIGH, NC BIRMINGHAM, AL LAGRANGE, GA PALO ALTO, CA LAS VEGAS, NV SENIOR Solutions MINNEAPOLIS, MN
5
VISION
AREAS
HEARING
FINAL EXPENSE
GOVERNMENT PROGRAMS
STATE REGULATED CARRIERS
PATIENT MEDICATION ASSISTANCE SERVICES
ENTITLED TO
m y j o b i s p r e t t y s i m p l e , i t ’ s t o s e e w h a t y o u m a y b e
PRESCRIPTIONS
DENTAL
QUALIFY BANKING: Let’s get started- is Social Society paying you on time? On the 1st, or the 3rd, or one of those Wednesday-Thursdays? IS YOUR SOCIAL SECURITY BEING DIRECT DEPOSITED OR GOING TO THE GREEN DIRECT EXPRESS CARD?
QUALIFY ANNUITY/EXTRA FUNDS OPTIONS: Now, were you one of the lucky ones that was able to retire with a retirement fund, 401k, pension
or do you do any investing? (If they say yes ,they may be eligible for an annuity- maximizing assets while protecting asset loss- however ignore talking about it until the end, then revisit before you leave.)
QUALIFY MEDICARE/MEDICAID: Are you on Medicare? Medicaid?
QUALIFY PRESCRIPTIONS: I typically start with prescriptions and a health questionnaire... which prescriptions are you taking? QUALIFY HEALTH: Now what we’re gonna do next is- go over this health questionnaire...what’s your age/date of birth? [READ OVER BIG 7 IN HEALTH QUESTIONNAIRE]
1. Smoke 2. Diabetes 3. Heart Attack 4. Congestive Heart Failure 5. Stroke 6. Cancer 7. COPD/Oxygen
(Bonus: Check meds for any memory meds - donepezil, memantine, aricept; and additionally, please double check for any diabetic nueropathy by asking if they have been prescribed any gabapentin, neurontin, lyrica or pregabalin.)
HOW MUCH ARE YOU PAYING FOR YOUR PRESCRIPTIONS? You can use our discount card or Good Rx. There are also patient medication
assistance programs to discount expensive brand name prescriptions.
MEDICARE SAVINGS: “You may qualify for help with Medicare Part B payment assistance - is the system taking the part B premium out of your
VRFLDOVHFXULW\FKHFNHYHU\PRQWK"ȋ0RVWVWDWHVKDYHGLHUHQWSURJUDPVIRUORZLQFRPHLQGLYLGXDOVRUFRXSOHVZKRTXDOLI\IRU0HGLFDUH7KHVHUYLFHV you get depend on how much income you have. These programs pay Medicare premiums, and in some cases, Medicare deductibles and coinsurance. In General, to be eligible for the Medicare Savings Programs, you must:
* Be eligible for Medicare Part A (Hospital Insurance) * Be living in that state
* Be a U.S. citizen OR Be in satisfactory immigration status (You must provide proof of immigrant status) * Have a monthly income below a certain limit.
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NEXT IS YOUR DENTAL: Ok, well that covers your prescription help... Now, who do you have for your dental insurance? You can visit your local
colleges/universities for low cost dental options.
AND NEXT IS YOUR VISION: Who do you have for your vision insurance? How much we’re your glasses? [zennioptical.com]
NEXT UP IS YOUR HEARING: How is your hearing? Well when it comes to hearing aids, there is good news and bad news...the bad news is they
can cost around $2,000-$3,000 per ear.... good news is, we have some hearing aids savings programs.
[STEP 4]
RECAP & TRANSITION TO LIFE: [5 THINGS] I’m glad we got to go over your prescriptions, dental, vision and hearing... Now 1. The last thing 2. The most important thing 3. It’s what we specialize in 4. And it’s the information you requested and5.LWȇVVRPHWLPHVZKHUHZHVDYHSHRSOHWKHPRVWDPRXQWRIPRQH\LV\RXUȴQDOH[SHQVHVDQGZHKHOSZLWKWKHVWDWHUHJXODWHG
life insurance program...
CLOSE: $IWHU\RXHGXFDWHRQȴQDOH[SHQVHHQVXUHWRH[HFXWHLQWKHVHODVWDUHDV [STEP 5] Thorough Policy Review
[STEP 6] In and Up/3rd Party Call
[STEP 7] Build Value of Life Insurance - recap it before showing price [STEP 8] Show Premiums/Close - with budget or 2-3 options
[STEP 9]3RVW&ORVH:DUPGRZQ%UDQGLQJ666VDYHWKHLULQ\RXUSKRQHVDYH\RXULQWKHLUSKRQHVHOȴHZVHQLRU!
then ask how they feel, quiz them on their new coverage and leave behind branded papers with their policy info
[STEP 10] Ask for Referrals
[BONUS] Congratulations, smile, you’ve helped a senior, now bid them a warm farewell and then follow up with them on their policy delivery,
referrals, and also with thank you cards and birthday cards, in due time - and please -do what you say you will do. Thank you.
BENEFITS CHECKLIST
[STEP 1]
After Connecting with FORT and
[STEP 2]
Building Credibility with BBB & State License, and after your
[STEP 3]
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CLIENT HEALTH QUESTIONNAIRE
n a m e :
TOBACCO
YES
NO
C i g a r e t t e s
a g e :
h e i g h t :
w e i g h t :
DIABETES
I n s u l i n
A g e S t a r t e d :
A g e D i a g n o s e d :
L a s t O c c u r a n c e :
D a t e L a s t T r e a t m e n t :
D a t e D i a g n o s e d :
HEART DISEASE
S u r g e r y
P a c e M a k e r
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C o n g e s t i v e H e a r t F a i l u r e
D a t e P e r f o r m e d :
D a t e I n s t a l l e d :
D a t e I n s t a l l e d :
L a s t O c c u r a n c e :
HEART ATTACK
STROKE
C o m p l i c a t i o n s - E y e ,
K i d n e y , N e u r o p a t h y ,
I n s u l i n S h o c k o r C o m a
COPD/LUNG DISEASE
O x y g e n
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S l e e p A p n e a
CANCER
OTHER MEDICAL CONDITIONS
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HELP ON
LIVING BENEFITS
DATE:
FIELD UNDERWRITER:
CONTRACT #:
MAT, The Medical Assistance Tool, matches patients with resources and cost-sharing programs that may help lower out-of-pocket costs, whether or not they have insurance.
FREE BRAND NAME MEDICATION FROM PHARMACEUTICAL COMPANY
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1-866-353-9377 (Patient Medication Assistance) FREE HEARING AID [NC ONLY]
ΖI\RXVXHUIURPKHDULQJORVVLQ1&FDOO1-800-851-6099IRUKHDULQJH[DPWRJHWȴWWHGDQGUHFHLYHRQHIUHH
GOOD RX PRESCRIPTION DISCOUNT CARD
www.goodrx.com
MEDICARE PRESCRIPTION DRUG LOW INCOME ASSISTANCE
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MEDICARE SAVINGS PROGRAMS AND STATE PHARMACY ASSISTANCE
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NC 1-800-408-1212, SC 1-800-868-9095, VA 1-800-552-3402, AL 1-800-362-1504 SILVER CROSS MOBILITY CHAIRS
Visit www.silvercross.com
NC FREE NICOTINE PATCHES
&DOO1-800-784-8669
www.ZENNIOPTICAL.com
$RUGDEOH(\H*ODVVHV starting at $6.95 DENTAL ASSISTANCE
You can visit your local college/universities for low cost dental options
ASK ABOUT
FREE
$10 GIFT CARD INCENTIVE
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Prescription Drug Savings CardMEMBER ID
GRX610010
BIN
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GROUP
003585
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THE LAST THING WE DO
WHERE WE HELP PEOPLE SAVE THE MOST
AMOUNT OF MONEY IN THE COMMUNITY...
AND WHAT YOU REQUESTED INFORMATION ON
IT’S WHAT WE SPECIALIZE IN
THE MOST IMPORTANT THING WE DO
IS HELP WITH FINAL EXPENSE- WITH THE
STATE REGULATED LIFE INSURANCE PROGRAM
Term vs Whole vs Universal
Term Life
l e s s t h a n 1 0 % o f p e o p l e d i e d u r i n g t e r m p o l i c i e s Y e a r A g e 9 5 C a s h V a l u e $ 0 P r o t e c t i o n $ 2 0 , 0 0 0 T h e r e i s n e v e r a n y c a s h v a l u e i n t h e p o l i c y !B a s e d o n a 4 5 y e a r o l d
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1 0 1 1 1 2 1 3 1 4 1 5 1 6 1 7 1 8 1 9 2 0 2 2 2 4 2 6 2 7 3 0 3 2 3 4 3 6 3 8 4 0 4 2 4 4 4 6 4 8 5 0 L e v e l t e r m - SUHPLXPV EHQHȴWVUHPDLQWKHVDPH IRUDVSHFLȴFSHULRGRIWLPH /HYHOEHQHȴWDQQLDOUHQHZDEOHWHUP p r e m i u m s i n c r e a s e e v e r y y e a r u n t i l p o l i c y EHFRPHVWRRH[SHQVLYH /HYHOEHQHȴWZLWK\HDULQFUHDVH premiums LQFUHDVHHYHU\\HDUVEHFRPLQJWRRH[SHQVLYH W i t h W h o l e l i f e , t h e p r e m i u m s n e v e r i n c r e a s e DQGWKHEHQHȴWVQHYHUGHFUHDVHWhole Life
Y o u a r e p r o t e c t e d y o u r W h o l e L i f e Y e a r C a s h v a l u e i n c r e a s e s e v e r y y e a r t h e p o l i c y s t a y s i n f o r c e ! 1 0 1 1 1 2 1 3 1 4 1 5 1 6 1 7 1 8 1 9 2 0 2 2 2 4 2 6 2 7 3 0 3 2 3 4 3 6 3 8 4 0 4 2 4 4 4 6 4 8 5 0 A g e 9 5Universal Life
Y e a r T h e c a s h v a l u e i n t h e p o l i c y w i l l b e u s e d t o p a y f o r t h e p o l i c y U n t i l s u c h t i m e a s t h e r e i s n o l o n g e r a n y c a s h i n t h e p o l i c y 1 0 1 1 1 2 1 3 1 4 1 5 1 6 1 7 1 8 1 9 2 0 2 2 2 4 2 6 2 7 3 0 3 2 3 4 3 6 3 8 4 0 4 2 4 4 4 6 4 8 5 0 S T O P C a s h V a l u e $ 0 P r o t e c t i o n $ 2 0 , 0 0 0 C a s h V a l u e $ 0 P r o t e c t i o n $ 2 0 , 0 0 0 S T O P A g e 8 0 - t a r g e t p r e m i u m n o l o n g e r s u s t a i n s t h e SROLF\$WWKLVSRLQWHLWKHUWKHSROLF\HQGVRUWKH p r e m i u m s i n c r e a s e WDUJHWDJHYDULHVE\SROLF\WHEN IT COMES TO LIFE INSURANCE
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THIS IS THE LARGEST CATEGORY
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WRONG TYPE OF INSURANCE
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EXPIRES OR PREMIUMS INCREASE
PAYING WAY TOO MUCH
UPDATED: JUNE 2020
Top Rated Providers
Other Providers
NO COST POLICY REVIEW
RIDERS
UPGRADES
DISCOUNTS
FREE
INSURANCE
$
CASH BACK
ENSURE YOUR POLICY
WILL NOT EXPIRE
ENSURE YOUR PREMIUM
WILL NOT INCREASE
CHECK TO SEE IF YOU’RE
ENTITLED TO ANY:
1
2
INSURANCE POLICY REVIEW
1. What type of insurance is this?
2. Face Amount? Any Dividends accurals?
3. Premium? Premium Draft Date?
4. Cash Value?
5. Reduced Paid Up?
6. Extended Term?
7. Loans? Interest? What’s the next loan payment due? How much is it? What happens when the interest payment exceeds cash value and is not paid? Can the loan cause the policy to go into over-loan?
8. Any Riders? Terminal Illness Rider? Nursing Home Rider?
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10. Agent of Record?
11. [Term Life] When does policy expire? Does the premium increase over time? When? How much?
12. [Term Life] When they live through this polocy,how much cash do they get back? Any cash value? Since they will have paid thousands of dollars over the term, surely they get some money back- how much money do they get back when the policy terminates?
13. [Universal Life] Cost of insurance go up? What does the rate go up to? When? Is it deducted from Cash Value?
14. [Universal Life] What happens when cash value runs out?
D a t e :
C l i e n t N a m e :
P o l i c y I s s u e D a t e :
P o l i c y N u m b e r :
I n s u r a n c e C o m p a n y :
WHOLE LIFE
INSURANCE
COVERAGE BENEFITS
YOUR PRIMARY BENEFICIARY(S): YOUR CONTINGENT BENEFICIARY:
DATE:
FIELD UNDERWRITER:
CONTRACT #:
NAME OF INSURED:
COVERAGE: COVERAGE: COVERAGE:
PREMIUM: PREMIUM: PREMIUM:
RIDERS: RIDERS: RIDERS:
EXISTING COVERAGE [IF ANY]: EXISTING COVERAGE [IF ANY]: EXISTING COVERAGE [IF ANY]:
CARRIER:
1st PREMIUM DRAFT DATE: CARRIER CUSTOMER SERVICE #:
PERMANENT COVERAGE NO physical blood work,
or medical exams for approval
You CANNOT be cancelled once you’re
approved-WHOLE LIFE!
Premiums NEVER increase once you’re approved-LOCKED IN!
Coverage is NEVER reduced due to age or health once
you’re approved
Build CASH value ACCIDENTAL
may be included
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IMMEDIATELY with no waiting period
TAX FREE Agent SERVICE for life &DUULHU6SHFLȴF%HQHȴWV
CIRCLE ONE
Builds Paid Up Insurance
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US GOVERNMENT SOCIAL SECURITY ADMINISTRATION
u s e t h i s f o r m t o d e t e r m i n e w h a t a f u n e r a l w i l l c o s t b a s e d o n l i f e e x p e c t a n c y
FEMALE
MALE
AGE 45 36.79 35.87 34.96 34.05 33.14 32.24 31.35 30.46 29.57 28.69 27.82 26.94 26.08 25.22 24.37 23.53 22.70 20.88 21.08 20.28 19.49 18.70 17.93 17.17 16.42 15.69 14.97 14.27 13.58 12.90 12.24 81.79 81.87 81.96 82.05 82.14 82.24 82.35 82.46 82.57 82.69 82.82 82.94 83.08 83.22 83.37 83.53 83.70 83.88 84.08 84.28 84.49 84.70 84.93 85.17 85.42 85.69 85.97 86.27 86.58 86.90 87.24 $50,968.60 $48,773.78 $46,673.48 $44,663.62 $42,740.30 $40,899.81 $39,138.57 $37,453.18 $35,840.36 $35,840.36 $34,297.00 $32,820.10 $31,406.79 $30,054.34 $28,760.14 $27,521.66 $27,521.66 $26,336.52 $25,202.41 $24,117.14 $23,078.60 $22,084.79 $22,084.79 $21,133.77 $20,223.70 $20,223.70 $19,352.82 $18,519.45 $17,721.96 $17,721.96 $16,958.81 46 47 LIFE EXPECTANCY LIVE TO AGE FUNERAL COST AT DEATH 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 AGE 45 32.81 31.93 31.06 30.20 29.34 28.49 27.65 26.83 26.00 25.19 24.37 23.57 22.77 21.97 21.19 20.42 19.66 18.91 18.17 17.44 16.73 16.02 15.32 14,63 13.96 13.30 12.66 12.04 11.43 10.84 10.26 77.81 77.93 78.06 78.20 78.34 78.49 78.65 78.83 79.99 79.19 79.37 79.57 79.77 79.97 80.19 80.42 80.66 80.91 81.17 81.44 81.73 82.02 82.32 82.63 82.96 83.30 83.66 84.04 84.43 84.84 85.26 $42,740.30 $40,899.81 $39,138.57 $37,453.18 $35,840.36 $34,297.00 $34,297.00 $32,820.10 $31,406,79 $30,054.34 $28,760.14 $28,760.14 $27,521.66 $26,336.52 $25,202.41 $24,117.14 $24,117.14 $23,078.60 $22,084.79 $21,133.77 $21,133.77 $20,223.70 $19,352.82 $19,352.82 $18,519.45 $17,721.96 $17,721.96 $16,958.81 $16,228.53 $16,228.53 $15,529.69 46 47 LIFE EXPECTANCY LIVE TO AGE FUNERAL COST AT DEATH 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75EMERGENCY CONTACT SHEET
millions of dollars of life insurance go unclaimed every year
DON’T LET THAT HAPPEN TO YOU!
According to the “National Unclaimed Property Network”, twenty percent of life insurance policies become lost life
insurance and are turned over to state unclaimed money departments. Often these insurnace policies become lost
life insurance policies because the survivos never knew the policy existed. (NUPN.com)
Who do you trust to assist your family during their time of need?
As a service to you, we will contact these people and provide them with our contact information and business card so
when the time comes, your family won’t be alone.
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
PHONE:
NAME:
ADDRESS:
CITY, STATE, ZIP:
