DISABILITY TACTICAL TRAINING

DISABILITY - VIP TACTICAL TRAINING - MODULE 4

Give someone a fish... they have a meal. Teach someone to fish... feed them for a lifetime.

SHORT TERM DISABILITY COMPARISONS

This is a comparison of the most popular of each carrier's offerings. Plan details may vary slightly by state, but they are virtually the same.

In this comparison, we have also included some intrinsic values that matter to clients and accounts, but you will not find on the standard brochure. (hold times, enrollment platform capabilities, etc)

We have also added a component for underwritng and your commissions and vesting to compare. These things should matter greatly to you!

(1) Download EACH DOCUMENT from the List below.

(2) Evaluate what each carrier's benefit is in each category and type the corresponding benefit amount in each and every cell.

Once this module is complete, you will be directed to your next training module unless otherwise directed by you.

Here's a sample:

	Assurity	Aflac
Payout Method?	Weekly	Monthly

DOWNLOAD ALL MATERIALS BELOW FOR THIS COURSE.

We Recommend Printing and/or using a second Monitor.

Aflac STD Brochure

Aflac STD Rates

Assurity Disability

Assurity Case Manager Flyer

Assurity Customer Service Standards

VIP's SPECIAL UNDERWRITING OFFER

Claims Service Survey Comparisons

Commissions/Vesting/Account Ownership Comparisons

DISABILITY PLAN COMPARISONS - WITH Critical Illness Rider - Type in all payout amounts unless otherwise indicated.*

	Aflac Short Term Disability	Assurity Short Term Disability
Can they waive Pre-Existing Conditions on a takeover?
Pregnancy waiting period (months)
Will they issue credit for Time insured (if replacing)
Guaranteed Issue amount ($/month or week)
Accidental Death benefit amount
Presumptive Disability Benefit Available?(yes or no)
Catastrophic Disability Benefits Available? (yes or no)
Psychological Care Coverage included?
Substance abuse coverage included?
Age Limits? (type in the age)
Coverage Portability (yes or no)
Enrollment Platform/Process (everwell or any platform)
Rate Guarantees (yes or no)
Participation Requirement
Average Cost for $2k/month - 13week BP - 0/14 EP (40 year old)

Customer Service Comparisons*

	Aflac	Assurity
If you have an employee that needs to cancel/change a plan... How do they complete this? (800#/Fax/Email - or Jeni Wilkison)
If your account needs something fixed with billing How does that work?
How long on average does it take to get to policyholder services? (How many minutes)
How long does it take to get to claims? (Minutes)
On a scale of 1-10 how good is claims at communicating back to the client if something is missing or incorrect in their claim filing?
Using the same 1-10 scale.. How well do each departments of each carrier communicate with each other in order to get an issue resolved?

Process, Commission and Vesting Comparisons*

	Aflac	Assurity
If you wrote 10k in Disability What would your 1st year commission be?
If you wrote 10k in Disability What would your renewal year commission be each year?
How long does it take to be vested in your renewals?
Contractually, who owns the relationship with the account that you set up?
On a scale of 1-10 with 1 being difficult and 10 being easy How would you grade all of the enrollment and account implementation steps for YOU?
On a scale of 1-10 with 1 being difficult and 10 being easy How would you grade all of the enrollment and account implementation steps for YOUR EMPLOYER CONTACT?

In a brief Summary, why would someone sell an Aflac Disability policy over a VIP Designed Assurity Policy? *
Certification

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DISABILITY - VIP TACTICAL TRAINING - MODULE 4

Certification