Individual Term Life Insurance
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1 Individual Term Life Insurance
2 AGENDA Life The case for life insurance Why Anthem? Eligibility Pricing Services for beneficiaries It s easy to apply Adding Life to existing medical members just got easier! Commissions 2
3
4 The Case for Life Insurance A moderate life insurance policy should cover four to five times a person s income 1 One-third of adults have no life insurance 1 Women are less likely than men to own life insurance; and among the insured, women have lower average coverage amounts than men 2 Over 75% of people whose spouses died prematurely (between the ages of 30 and 55) felt they did not have adequate life insurance coverage 3 Life insurance beat out all other sources of financial assets or income that Americans expect to use to help pay bills and to maintain their lifestyle if the primary wage earner dies 4 1 LIMRA; 2 LIMRA, US Ownership Study, 2004; 3 National Association of Insurance and Financial Advisors; 4 U.S. Department of Labor 4
5 Why Anthem Blue Cross Life and Health? Strength and Stability Number one group carrier in the under 100 market Anthem Blue Cross Life & Health is rated A (excellent) for financial strength by AM Best Company and A+ (Superior) for claims paying ability by Standard & Poors Experience Anthem Blue Cross Life & Health, along with our affiliated life companies, serves nearly 6 million members nationwide. Convenience One bill, one check for health and life coverage 5
6 Who is Eligible For Life Insurance? Anyone who qualifies for our medical plans automatically qualifies to add life without additional underwriting. Amounts available vary by age: Age 19+ = $15K, $30K, $50K, $75K or $100K Ages 1-18 = $15K or $30K California Individual Term Life Rates $15,000 $30,000 $50,000 $75,000 $100, $1.50 $3.00 N/A N/A N/A Rates are affordable $2.80 $3.25 $7.50 $5.60 $6.50 $15.00 $9.30 $10.80 $25.00 $11.25 $13.50 $33.75 $13.00 $16.00 $ $20.90 $41.80 $69.60 $97.50 $ $29.40 $58.80 $98.00 $ $
7 Service For Beneficiaries Outstanding service 88.4% of calls are answered in 30 seconds or less 0% busy rate Claims are processed is 3-4 days faster than competitors 1 AccessAdvantage Account Life benefits paid into interest-bearing checking account Allows beneficiaries to access funds as they need them via checks Pays a competitive interest rate, and offers a bonus that will credit the proceeds with.25 percent of the balance at six months from the date the account was established and again at one year. 1 LIMRA MarketScan, Claims Administration in the Group Life and Disability industry 7
8 It s easy to apply Applicant completes section 4a in the Individual Enrollment Application No initial premium is required for life insurance submissions $75K and $100K options are being added to the application. In the meanwhile, they can be hand-written in. 8
9 Good news new life underwriting policy Individual medical members in CA can now add life without medical evidence underwriting! Starts November 1, 2009 Add life up to 12 months from medical effective date without underwriting Underwriting will apply 12 months and more from the medical effective date New forms are available from the broker Web site 9
10 Selling Life can add to the bottom line Individual life commission = 10% LIFE Selling five $50,000 policies to 45 year olds at $25/month premium would yield $1,500 in annual premium. 10% of that is $150. If you sell just five policies a month, you would earn an extra $1,800 a year! 10
11 Questions Thank you for your time and best of sales! Life plans offered by Anthem Blue Cross Life and Health Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross names and symbols are registered marks of the Blue Cross Association. 11
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