Good morning. My name is Russell and I’m with Aflac. I’m
here because Aflac benefits have been newly made available to employees at (name
of business). I am here to tell you about your options. And I will sit down
with each of you to figure out which plans might be a good fit for you.
Now, about Aflac. over 90% of America knows the duck. But
not everybody knows what we are. We’re the world’s leading provider of
supplemental benefits. It’s not health insurance that pays a doctor or
hospital. And it’s not a financial portfolio that your stockbroker or financial
advisor can offer. It’s somewhere in between. We’re a type of financial protection that pays you cash if you get sick
or injured.
Let’s talk about why
you need supplemental benefits:
- When you get sick or injured, you’re usually thinking of one kind of expense: medical bills
- Good news is, if you have health insurance, it’s gonna pay for a lot or most of those expenses
- But health insurance never pays for everything.
- Co-pays/deductibles (The average deductible is $2500)
- Out-of-network costs
- Hidden costs, like parking (at UCLA, which is $20/day)
COSTS GO UP
- Imagine something serious, like cancer, heart-attack/stroke, or accident
- Cost of Cancer? $21,000 / $40,000
- Heart attack in State of California? $92,000
- Non-fatal disabling accident $61,000
- Do you have this kind of money just lying around?
INCOME GOES DOWN
- What else is happening? If you’re not at work to work, you’re not getting paid for working. So your income goes down.
FIXED FAMILY EXPENSES
- Lastly, what’s happening with your life? Your car payment, you electric bill, your kids’ school books, the money you need to pay for your life still goes on. Do you think AT&T is going to cut you a break if you get into a car accident? No, they’re going to cut off your service.
SOLUTION
This is where Aflac comes in. Aflac pays you cash. You use
it for whatever you want. It’s your money to pay for doctor bills, for
groceries, for rent.
It comes at a time when you need money the most. It gives
you peace of mind and a little dignity at a time when you’re trying to recover.
THE ACCIDENT POLICY
The accident plan pays you cash for anything that happens
outside into you that is not a sickness. On or off the job, anywhere in the
world, 24/7, 365.
There are no networks,
no coordination of benefits, no payout caps. It’s portable, rates are stabilized, and we never cancel a policy.
As long as your premiums are paid, you’re covered for the
rest of your life.
A lot of people think this covers when you get hit by a car.
Or mauled by a tiger.
But it also includes everyday little things.
- Slice your finger while chopping carrots / requires stitches
- Twist your ankle playing basketball
Golden Nuggets
- Pays $120 just for going to see a doctor
- If your accident requires hospitalization for >18 hours, pays $1000
- Ambulance $200
- A specific amount for your injury (lacerations, fractures): $35 stitch, $12,500 coma
- If one of these happens, chances are very likely all these have also happened
Other Policies
- Dental and Vision
- Cancer or Heart Attack
- Life Insurance
- Short-Term Disability
CONCLUSION
Because these benefits are being offered through your
company, you’re getting this at a group
rate, which is about half the cost if you got it individually.
Also, these are provided to you pre-tax. So it is automatically deducted from your paycheck. So you
take advantage of the pre-tax benefit, which is another 20%.
Comprehensive
coverage, which is accident + dental + vision, can start as low as $14.25/week. This is a fraction of the cost of major medical
insurance!
Thank you guys for listening, and I look forward to talking
with each of you!
