Medicare Supplement, Long Term Care, & Senior Life
Medicare Supplement see Medicare changes at bottom
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Top Commissions Paid Weekly; Advances on Commissions; Carrier is Household Name; Plans A, C, D, F - Most States; Prescription Drug Discount Card; Automatic Claims Processing; Competitive Rates |
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| United Healthcare | Competitive Rates |
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Competitive Rates; Discount Drug Card Available; Non-Tobacco Discounts; Commission Advance Available; Electronic Claims Filing; Plans A, B, C, D, F, & G |
Long Term Care (Who is increasing rates on LTC?)
| Allianz |
TermLTC - Most
Competitive LTC plan available today! Write higher daily benefits at
lower rates. Generation Protector - Very competitive, comprehensive long term care insurance. All the bells and whistles are available on this plan. |
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LTC Designed for Married Couples, Long-Term Care (individuals or couples), Home Health Care (stand alone)
Qualified & Non-Qualified, Assisted Living Facility Care, Home & Community Based Care, Personal Care Advocate Service, Informal Caregiver Training, Competitive Rate Structure, Bed Reservation Benefit (on LTC), Waiver of Premiums, Benefits of $40 to $250 per Day; 1, 2, 3, 5 Year or Lifetime Benefit |
| John Hancock |
Essential Care - Basic
LTC at competitive prices Custom Care - Comprehensive LTC and one of the most competitive plans available |
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Comprehensive LTC Pool-of-Money Approach, $75,000 to Unlimited Benefit, Max $50 - $300 Daily Benefit, Home Health Care Benefits, Caregiver Training, Family & Friends Benefit, No Waiting Period for Pre-X |
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Basic LTC
30% Less than Comprehensive, Incurred Expense Plan, Pool-of-Money Approach |
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Simplified Issue up from age 45 to 80, Age last birthday, Up to $30,000,Yes/No Application, No Medical exam, APS, or Blood, Competitive Rates
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| Aviva Life |
Simplified Issue Whole Life, Issue up to age 80, Minimum face amount of $5000, Premiums guaranteed to age 100, Up to $25,000 non-med to age 70
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| Citizens Security |
Practically Guaranteed Issue with no medical exam, Issue up to $50,000 to age 80, writes down to age 25!
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| Continental General |
Simplified Issue, Issue from $2500 to $50,000 up to age 85 (nearest birthday), premiums never increase, guaranteed death benefit |
| Cotton States | Product information coming soon. |
| Pioneer Security Life |
Great final expense products with excellent rates. |
Continental General LTC Hotline - 1-877-833-7073
This toll-free number allows you to pre-qualify applicants for LTC coverage over the phone. Use this number to determine insurability or rating class while in the office or in the client's home.
Products may not be available in all states!
** If producers use affordability rather than need as the foundation for prospecting, they will find that their success ratio increases dramatically. **
Medicare Deductible and Copays for 2004
Part A Inpatient Hospital Deductible - - - - - - > change from $840 to $876
Coinsurance Deductible 61 - 90 days - - - - - > change from $210 to $219
Coinsurance Deductible 91 - 150 days - - - -> change from $420 to $438
Skilled Nursing Facility Care
Coinsurance Deductible 21 - 100 days - - - -> change from $105 to $109.50