SENIOR SUPPLEMENTAL PRODUCT INFORMATION

Transcription

1 SENIOR SUPPLEMENTAL PRODUCT INFORMATION Family Life Loyal American Plans A, B, C, D, F, G, M, N Plans A, B, C, D, F, G, N Competitive Rates Express App. Available for No Waiting Period on Pre- Online Enrollment Existing Conditions No Signatures Required Knowledgable, In-house Competative Rates, Liberal Customer Service Underwriting 12-month Rate Guarantee A+ AM Best Rating United of Omaha Gerber Life Plans A, C, F, G, M Plans A, C, D, F, G Plan N is Guarantee Issue Commissions Paid Daily 7% House Hold Discount No Point of Sale Interview Dual Med Sup & SIWL 12 Mo. Advance with No Fee Applications Available Internal Replacements Okay Equitable Life GPM Life Exceptional Rates Age 71+ Liberal Underwriting Diabetes & Psychological True Yes/No Application Disorders qualify for Standard Plans A, C, F, G & N Telephone Application Process Marketing and Leads with Instant Approval Available Easy Online Contracting and Quick Com. Payout. American Continental KSKJ Life Plan C Avail. Under Age 65 Plans A, B, C, D, F, G, M & N Liberal Underwriting Fraternal Benefits Available Plans A, B, C, F, G, & N to Members Full Commission Paid on Guaranteed Issues Cases Constitution Life AARP Phenominal Rates for ALL Plans A, B, C, D, F, K, L & N Ages Enrollment Discounts Based Plans A, B, C, D, F, G, & N on Age Full payout for GI business Discounts Available for 12 Month Advance Annual Pay Plans Online Enrollment Available. CLICK THE PICTURE ABOVE TO DOWNLOAD RATES, APPLICATIONS AND FORMS. Multi-State Insurance Center It's all about the Agent!! For Detailed Information on these and other products available Call or go to FOR AGENT USE ONLY. T FOR PUBLIC DISTRIBUTION.

2 Carrier Loyal American United of Omaha Family Life American Contential Government Personnel Mutual AM Best Rating (If Applicable) A+ A+ B+ A- A- A B Agent Website (if Applicable) om com/broker m/ GERBER om Equitable How Long Does Underwriting Take 7-10 Days Days 7-10 Days 7-10 Days 5-7 Days Days 7-10 Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often Daily Daily Daily Daily Daily Daily 48 Hrs. How Agent Notified of Missing Info Phone/ Phone Phone/ Phone/ Phone/Mail Phone/ Months Advanced , 9, , 6, 9 Advance Fee 1% per Month 1% per Month.50% per Month 1% per Month Frequency of Advance Part B Deductible: Commissionable & Rates Internal Replacements Commissionable Daily on Activation Ann-$155 POM-$12.92 Weekly (Friday pd. Next Thurs.) (C & F only) Ann-$150 POM-$12.50 Yes For Producer of Record Daily on Issue Ann-$175 POM-$14.58 Weekly (by Wed. 5pm) Ann-$155 POM-$12.92 Weekly (by Thurs. 5pm) Ann-$150 POM-$12.50 Daily on Issue Ann-$150 POM-$12.50 Yes For Producer of Record Hrs. of Issue Policy Fee Commissionable N/A Ann-$175 POM-$14.58 Yes for benefits added Policy Fee $25.00 $25.00 $20.00 $25.00 $25.00 $20.00 Commission Reduction Over Age 80 Waiting Period on Pre-Existing 0 Days 0 Days 0 Days 0 Days 0 Days 0 Days 0 Days Plans Available* (State Specific) A, B, C, D, F, G, N Multi-State Insurance Company Medicare Supplement Comparison Chart & FAQ Page 1 Rev. 7/11 A, C, F, G, M, N* A, B, C, D, F, G, M, N A, B, C, D, F, F*, G A, C, F, G, N A, C, D, F, G A, C, F, N Guaranteed Issue Plans Under Age 65 Rate Guarantee 12 Mos. 12 Mos. 12 Mos. 12 Mos. 12 Mos. 12 Mos. 12 Mos. Combination Sales Available Issue Age CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT CURRENT Phone Interview Random Random Random Phone Number for Interview (If Required) N/A N/A N/A N/A N/A Must the Agent be Present for Interview N/A N/A Can the Application Be Faxed Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed For Multi-State Insurance Use Only T INTENDED FOR DISTRIBUTION TO CONSUMERS (Subject to change without notification!)

3 Multi-State Insurance Company Medicare Supplement Comparison Chart & FAQ Page 1 Rev. 7/11 Carrier Loyal American United of Omaha Family Life American Contential Government Personal Mutual Draft First Premium Are Credit Cards Accepted GERBER Equitable How are Agent Charge Backs Handled DB From Future Sales &/or Renewals DB From Future Sales DB From Renewals DB From Future Sales DB From Renewals DB From Future Sales DB From New Business Are LOA's Eligible for Incentives N/A How far in advance can policy be written for Standard Issue Policies 60 Days 60 Days 60 Days 60 Days 60 Days 60 Days 60 Days How far in advance can policy be written for Open Enrollment 60 Days 6 Months 6 Months 6 Months 6 Months 6 Months 6 Months Plans that qualify for GI during AEP A, B, C, F A, B, C, F A, B, C, F A, B, C, F, F* A, C, F A, C, F A, F Commission on GI business $25.00 Flat Fee Full Full As Earned Full Full Full Full When is the Initial Premium Drafted During Underwriting On Issue **Notes: Express App is available for online submission and requires no "wet" signatures *Plan N is Limited Underwriting 7% Household Discount E-App available for online submission and requires no "wet" signatures. 7% Spousal Discount. Lead and Fast Start Bonus Programs Available. CC accpted for 1st pmt. Monthly Direct Billing Avail. For Multi-State Insurance Use Only T INTENDED FOR DISTRIBUTION TO CONSUMERS (Subject to change without notification!)

4 Multi-State Insurance Company Equitable Overview AM Best Rating (If Applicable) B Agent Website (if Applicable) How Long Does Underwriting Take Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info 48 Hrs. Phone/ Months Advanced 3, 6, 9 Advance Fee Frequency of Advance Part B Deductible: Commissionable & Rates Internal Replacements Commissionable Policy Fee Commissionable 1% per Month Hrs. of Issue, Ann-$175, POM-$14.58 Yes for benefits added Policy Fee $20.00 Commission Reduction Over Age 80 Waiting Period on Pre-Existing Plans Available* (State Specific) Guaranteed Issue Plans Under Age 65 Rate Guarantee Combination Sales Available Issue Age Phone Interview 0 Days A, C, F, N 12 Mos. CURRENT Phone Number for Interview (If Required) Must the Agent be Present for Interview Can the Application Be Faxed Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Can the Application Be Faxed Draft First Premium Are Credit Cards Accepted How are Agent Charge Backs Handled Are LOA's Eligible for Incentives How far in advance can policy be written for Standard Issue Policies How far in advance can policy be written for Open Enrollment Plans that qualify for GI during AEP Commission on GI business When is the Initial Premium Drafted **Notes: (IF BANK DRAFT) DB From New Business N/A 60 Days 6 Months A, F Full On Issue CC accpted for 1st pmt. Monthly Direct Billing Avail.

5 AM Best Rating (If Applicable) B+ Agent Website (if Applicable) How Long Does Underwriting Take Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info Daily Phone Months Advanced 12 Advance Fee Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable Policy Fee Commission Reduction Over Age 80 Waiting Period on Pre-Existing 1% per Month Daily on Issue (Ann-$175, POM-$14.58) $25 (Per Couple) 0 Days Plans Available* (State Specific) A,B,C,D,F,G,M,N Guaranteed Issue Plans Under Age 65 (If Any) Rate Guarantee 12 Months Plans that Qualify for GI During AEP A,B,C,F Commission Paid on Non-qual. G.I. Plans FULL AS EARNED Combo Sales Available Issue Age CURRENT RX Card Included Teleapp Phone Number (If Applicable) N/A Phone Interview Required RANDOM Must the Agent be Present for Interview N/A Can the Application Be Faxed (IF BANK DRAFT) Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium (On Issue) Are Credit Cards Accepted Spousal or Household Discount (7% Spousal Discount) How far in advance can policy be written (Std. Issue) 60 Days How far in advance can policy be written (Open Enrol.) 6 Months **Notes: E-App available for online submission and requires no "wet" signatures. Last Updated: 11/9/2010 Multi-State Insurance Company Family Life Overview

6 Multi-State Insurance Company Gerber Overview AM Best Rating (If Applicable) Agent Website (if Applicable) How Long Does Underwriting Take A Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info Daily Phone/Mail Months Advanced 12 Advance Fee Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable Daily on Issue (C&F only) Ann-$150, POM-$12.50 Yes If Producer of Record Policy Fee $25.00 Commission Reduction Over Age 80 Waiting Period on Pre-Existing 0 Days Plans Available* (State Specific) A, C, F, G Guaranteed Issue Plans Under Age 65 (If Any) Rate Guarantee 12 Months Plans that Qualify for GI During AEP A, C, F Commission Paid on Non-qual. G.I. Plans FULL Combo Sales Available Issue Age CURRENT RX Card Included Teleapp Phone Number (If Applicable) N/A Phone Interview Required Random Must the Agent be Present for Interview Can the Application Be Faxed (IF BANK DRAFT) Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium (During Underwriting) Are Credit Cards Accepted Spousal or Household Discount How far in advance can policy be written (Std. Issue) 60 Days How far in advance can policy be written (Open Enrol.) 6 Months **Notes: * Plan N is Always Limited Underwriting Last Updated: 11/9/2010

7 Multi-State Insurance Company Government Personnel Mutual Overview AM Best Rating (If Applicable) A- Agent Website (if Applicable) How Long Does Underwriting Take Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info Daily Phone/Mail Months Advanced 12 Advance Fee Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable Weekly Ann-$150, POM-$12.50 Policy Fee $25.00 Commission Reduction Over Age 80 Waiting Period on Pre-Existing 0 Days Plans Available* (State Specific) A, C, D, F, G Guaranteed Issue Plans Under Age 65 (If Any) Rate Guarantee 12 Months Plans that Qualify for GI During AEP A, C, F Commission Paid on Non-qual. G.I. Plans FULL Combo Sales Available Issue Age CURRENT RX Card Included Phone Interview Required Random Phone Number for Interview (If Required) N/A Must the Agent be Present for Interview Can the Application Be Faxed (IF BANK DRAFT) Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium (Co. will draft immediately) Are Credit Cards Accepted Spousal or Household Discount How far in advance can policy be written (Std. Issue) 60 Days How far in advance can policy be written (Open Enrol.) 6 Months **Notes: Lead and Fast Start Bonus Programs Available. Last Updated: 11/9/2010

8 AM Best Rating (If Applicable) Agent Website (if Applicable) How Long Does Underwriting Take N/A Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info Daily Phone/Mail Months Advanced for Agents 12 Months Advanced for MGA's 12 Advance Fee Multi-State Insurance Company KSKJ Life Overview Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable 1% per Month Daily on Issue (Ann-$131, POM-$88.50) Policy Fee $25.00 Commission Reduction Over Age 80 Waiting Period on Pre-Existing O Days Plans Available* (State Specific) A, B, C, D, E, F, G Guaranteed Issue Plans Under Age 65 (If Any) G.I. Plans For Non-qual. Situation (If Any) Commission Paid on Non-qual. G.I. Plans N/A Rate Guarantee 12 Mos. Combo Sales Available Issue Age CURRENT RX Card Included Teleapp Phone Number (If Applicable) Phone Interview Required (by HO) Must the Agent be Present for Interview Can the Application Be Faxed Fax Number for Application (If Applicable) ** If Application is Faxed Must it be Mailed Draft First Premium Are Credit Cards Accepted How are Agent Charg Backs Handled DB From Future Sales Are LOA's Eligible for Incentives How far in advance can policy be written (Std. Issue) 60 Days How far in advance can policy be written (Open Enrol.) 60 Days **Notes: **$18/Year, $1.50/Month, $4.50 Quart, $9 Semi-Annually

9 Last Updated: 5/20/09 Semi Annually

10 Multi-State Insurance Company AM Best Rating (If Applicable) Agent Website (if Applicable) How Long Does Underwriting Take Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info Months Advanced for Agents Months Advanced for MGA's Advance Fee Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable Policy Fee Commission Reduction Over Age 80 Waiting Period on Pre-Existing Plans Available* (State Specific) Guaranteed Issue Plans Under Age 65 (If Any) G.I. Plans For Non-qual. Situation (If Any) Commission Paid on Non-qual. G.I. Plans Rate Guarantee Combo Sales Available Issue Age RX Card Included Teleapp Phone Number (If Applicable) Phone Interview Required Must the Agent be Present for Interview Can the Application Be Faxed Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium Are Credit Cards Accepted Royal Neighbors Life Overview

11 How are Agent Charg Backs Handled Are LOA's Eligible for Incentives How far in advance can policy be written (Std. Issue) How far in advance can policy be written (Open Enrol.) **Notes: Last Updated: 5/20/09

12 Multi-State Insu Royal Neighbors R Medicare Supplement Brochure Medicare Supplement Outline of Coverage & Rates Medicare Supplement Application Authority to Honor Premium Checks Replacement Form POS Reference Guide Fax Application Transmittal Cover Sheet Medicare Supplement Agent Guidelines Medicare Supplement Supply Requisition Form MEDICARE S

13 GENERAL IN

14 urance Company Required Forms List SUPPLEMENT Form 2472A-MI; Rev Form 3510MI2010 Eff Form 3500MI2010 Form 3521; Rev Form 3530 Form 2996-R; Rev RNA FT Form Form 10022; Rev

15 NFORMATION

16 Multi-State Insu Royal Neighbors POS PHONE NUMBER: MY WRITING NUMBER:

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18 urance Company Quick Reference

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23 Multi-State Insurance Company Loyal American Quick Reference POS PHONE NUMBER: MY WRITING NUMBER:

24 Multi-State Insurance Company United Commercial Travelers Overview AM Best Rating (If Applicable) Agent Website (if Applicable) How Long Does Underwriting Take Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often How Agent Notified of Missing Info N/A Days X X X301 Daily Mail/Website Months Advanced for Agents 12 Months Advanced for MGA's 12 Advance Fee Frequency of Advance Part B Deductible Commissionable Internal Replacements Commissionable Policy Fee Commissionable Policy Fee Commission Reduction Over Age 80 Waiting Period on Pre-Existing Plans Available* (State Specific) Guaranteed Issue Plans Under Age 65 G.I. Plans For Non-qual. Situation Commission Paid on Non-qual. G.I. Plans Rate Guarantee Combo Sales Available Issue Age RX Card Included.75%/Mo. Weekly (by Tues. 5pm) (Ann-$100, POM-$8.33) Depends on Product N/A Mem Fee** 0 Days A, B, C, D, F, G In Some States N/A 12 Mos. AS OF EFFECTIVE DATE Discount Teleapp Phone Number (If Applicable) Phone Interview Required Must the Agent be Present for Interview Can the Application Be Faxed Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium Are Credit Cards Accepted How are Agent Charg Backs Handled Are LOA's Eligible for Incentives How far in advance can policy be written (Std. Issue) How far in advance can policy be written (Open Enrol.) **Notes: DB From Future Sales 60 Days 6 Mos. **If POS:

25 Last Updated: 5/20/09

26 Multi-State Insurance Company United Of Omaha Overview AM Best Rating (If Applicable) A+ Agent Website (if Applicable) How Long Does Underwriting Take Days Underwriting Phone Number Agent Service Phone Number Client Services Phone Number Agent Website Updated How Often Daily How Agent Notified of Missing Info Months Advanced 12 Advance Fee Frequency of Advance Weekly (Friday pd. Next Thurs.) Part B Deductible Commissionable (C&F only) Ann-$150, POM-$12.50 Internal Replacements Commissionable Yes If Producer of Record Policy Fee Commissionable N/A Policy Fee Commission Reduction Over Age 80 Waiting Period on Pre-Existing 0 Days Plans Available* (State Specific) A, C, F, G, M, N* Guaranteed Issue Plans Under Age 65 (If Any) Rate Guarantee 12 Months Plans that Qualify for GI During AEP A, B, C, F Commission Paid on Non-qual. G.I. Plans FULL Combo Sales Available Issue Age CURRENT RX Card Included Teleapp Phone Number (If Applicable) N/A Phone Interview Required Random Must the Agent be Present for Interview Can the Application Be Faxed (IF BANK DRAFT) Fax Number for Application (If Applicable) If Application is Faxed Must it be Mailed Draft First Premium (During Underwriting) Are Credit Cards Accepted Spousal or Household Discount (7% Household Discount) How far in advance can policy be written (Std. Issue) 60 Days How far in advance can policy be written (Open Enrol.) 6 Months **Notes: * Plan N is Always Limited Underwriting Last Updated: 11/9/2010