4. PLAN PRESENTATION Flashcards
ACCIDENTAL INJURIES
The first area they’re concerned with is if you were to be injured in any type of accident.
Have (either one of) you thought about what you would do if you got injured in an accident?
Well the Labor Advisory Board and American Income have given it a lot of thought for you!
Their concern isn’t that your medical bills won’t be taken care of, because we have free healthcare..
And when it’s job related- workers compensation is there, and a lot of members have some form of disability insurance through their job.
They’re concerned with lost wages & other expenses that start adding up!
(Client & Spouse), if and when you end up in the hospital- even though your medical bills are taken care of.. no one pays you to be there- right? IF MARRIED, if you were to get that phone call about (client), OBVIOUSLY you’ll be by (his/her) side and vice versa, and therefore may also not be working. [IF KIDS] And heaven forbid something happens to any of your children- in that case no one is working, right?
(Client Name), if you (and spouse), or any of your kids, get hurt and have to go to the emergency room, they’re going to send you $$$ just for taking the time to go and get the injury looked at within the first 72 hours. That’s for any kind of accident, whether you scrape your knee, or need stitches; whether it was on or off the job! That money comes to you at home!
The exception to that is- when you have to stay overnight in the hospital, because it’s likely a bit more serious, right? So, in that case they’re actually going to send $$$ a day, for up to a year!
Let me ask you.. in that kind of a situation, would that money help you out? Of course, it would!
Now in special cases; if you were to have to stay in the ICU.. because that would be a life-or-death situation, and the last thing that should be on your mind is MONEY..
They’re actually going to send $$$ per day, for 2 weeks- and after the 2 weeks, it reverts to the $$$ per day for that year. The reason it’s 2 weeks is, because again, ICU is a life-or- death situation.. and you’re either going to get better or you’re not- right?
Does that all make sense? Ok
FINAL EXPENSES 1/2
The second area that they are concerned with is your funeral, and final expenses.
Now (Client & Spouse), who is going to be responsible for taking care of your funeral and final expenses when something happens to you?
The reason that I ask is because it’s a very serious problem! The concern is not the fact that you’re going to die, because we all will, right?
But when we die someone in our immediate family has to face a funeral director, right away.
Funeral directors these days require all, or the bulk of the money upfront and on the spot before they start doing anything!
Did you realize that? A lot of people don’t.
So, who will have to take care of things in the meantime? That’s right, the family! And a lot of time, families have to deplete their savings; borrow money if they don’t have savings; or worse yet, even sell assets, just to pay for the funeral and final expenses.
So now, what they’ve done is set up The Freedom of Choice Certificate, to help take care of all your funeral and final expenses.
If you qualify, you’ll receive your own certificate that looks just like this (CLICK ON CERTIFICATE)
They call it the Freedom of Choice because it works at any funeral home in the world.
So, the way that this works is when something happens to you (Client Name), then (beneficiary/executor) you would take this certificate to any funeral home you choose- and when the funeral director looks at you/them and says “I’m really sorry for your loss, but (Client’s) funeral is going to be (15/or/20K). How would you like to take care of that today?”
At that point you/they would say, “(Client) has The Freedom of Choice Certificate.”
Then everything is taken care of from that point on, right away!
Wouldn’t it be nice to have that finally taken care of?
FINAL EXPENSES 2/2
(Client) in your case, they’ve set aside $$$, and (Spouse Name) in your case they’ve set aside $$$ to take care of your funeral and final expenses.
And whatever is not used at the funeral home, gets sent to the beneficiary! For example, if your funeral is $$$, and you are covered for $$$.. then the remaining $$$ will be sent to your beneficiary (don’t say a number that’s greater than the coverage you are offering them)
[IF KIDS/GIO] Each of the kids are covered for a $25,000 benefit that can be converted to $50,000 at age 21 regardless of their health or habits. Which they get to keep for the rest of their lives.
Now, the only exception to this is when you die before the age of 65; as it will typically be in some kind of accident, right?
(Client), when something happens to you in any type of accident, not only will they immediately take care of all your final expenses, but they are also going to send your family an additional $$$ to help out during that time!
When we die in an accident… what kind of accident do you think will it probably be?
That’s right, a car accident!
In that case they are going to send an additional $$$, PLUS take care of all your final expenses.
And when traveling on a common carrier, like a bus; plane; or train; they will send an additional $$$, PLUS take care of all your final expenses.
Does that make sense?
PAYCHECK PROTECTION
The third problem that they’re concerned with is your paycheck.
(Client), if you’re on your way home from work, and you get killed in a car accident.. or pass away from a stroke, or a heart attack.. is your paycheck going to keep coming in to support (Spouse) and the family?
Of course not, your paycheck vanishes just like that.
[IF THEY HAVE DEPENDENTS] But taking care of the family, putting food on the table, paying the bills.. That all stays pretty much the same! So (Spouse), the bills keep coming in month after month.. and (Client’s) paycheck is gone, right?
So here is your paycheck protection or ‘readjustment income’.
(Client), when something happens to you they’re going to start sending (Spouse/Beneficiary) your paycheck the very next month, and every single month after that for a minimum of one full year.
Now the reason they chose at least a year is because you need a decent time to adjust!
A couple of months just isn’t enough time.
That makes sense, right?
So, what they’re going to do in your case, is send out $$$ every month for XXX months.
Now (Client), do you think that could give (Beneficiary/Spouse) enough time to grieve and get back on their feet?
They think that it would definitely be able to help.
PROTECTORS
Now your program does build an emergency fund.
After 3 years, if things ever get tight financially, there will be some money to help take care of your program during that time, so you don’t lose it.
(ONLY MENTION IF THEY ARE UNDER 35YRS) There are also paid-up benefits- so when you retire you can stop contributing to the program, and keep a reduced or fully paid up final expense benefit for the rest of your life. Pretty nice, huh?
TERMINAL ILLNESS RIDER
Have you ever thought about what you’ll do if and when you’re diagnosed with a terminal illness?
Well, they’ve put a lot of thought into that too.
In fact, they realize you’re going to need a lot of cash!
When you’re diagnosed with a terminal illness and not expected to live more than one year, they’re going to send $$$ upfront while you’re still alive, and $$$ to (beneficiary/spouse) after you pass away.
That way you can kick your bucket list and pave your own way out, while also leaving behind a legacy to support your family!
STRIKE AND LAY-OFF WAIVER (UNION MEMBERS ONLY)
There is also a strike and layoff clause, so that you don’t lose your program.
So in case of a strike, they will take care of your insurance benefits for you for up to a year, and you never have to pay it back.
And on layoffs, as long as you’ve been working for the past 12 months, they will take care of your program for up to 3 months
And you’d never have to pay it back either!
GUARANTEED BENEFITS
Also, these insurance benefits are guaranteed and non-cancelable, which means that if you qualify then no matter what happens in the future to your health, age, or habits- no one can ever take this away from you.
They’re completely under your control and only you can make changes to your program.
Does that make sense?
REVIEW
Now, I have shown you what setting aside just 2 hours (each) will do for you and your family.
Let’s review it to make sure it’s clear.
Your accidental injury benefits are there for your family.
Your Freedom of Choice certificate covers (You/Client) and (Spouse), and the children for any cause of death and is there until it needs to be used.
Your paycheck is protected and all your protectors on the side here make sure that no matter what happens moving forward, you never have to lose your benefits after today, even if you change jobs, get very sick or move.
So you must see why these are so important for you and your family, right?
So my job, because of what The Safe Life Network did for you- is to give you an opportunity to get enrolled in what you can qualify for.
The best part is they set this up like a payroll deduction, but they do it once a month through your own checking account.
That way when you change jobs or retire, you’ll never have to worry about losing the insurance benefits because they’re under your control. Not your employer. Not even the union.
That’s pretty nice, huh?
Now let’s face it, we’re all going to die. We don’t have a choice.
Either we deal with this now- or someone in your immediate family, like (spouse/beneficiary), will have to deal with this when something happens to you. Does that make sense?
CLOSE
So (Client/Spouse), you will have to answer a few medical questions to see if you can even qualify…
BUT probably the most important question I need to ask you is this: (Client/Spouse) say your driving home, and pass away in the most common accident in the world- a car accident..
There is going to be $$$ being paid to your family right away, and $$$ a month for XX years.
Who do you want that money to go to?
(TYPE BENEFICIARY UNDER RED BENEFIT AMOUNT ON SIDE)
Now- it doesn’t make a difference to them which program you try to qualify for.
Most people try to qualify for the 2-hour program, which is what we just went over.
Some want to do more, and will double their benefits to $$$ a month, to provide more protection for themselves and their family.
But on the flip side- some members choose a more basic program now, knowing that they’ll upgrade down the line; assuming that they can still qualify.
Which way would you like to go?
(DO NOT SPEAK FIRST)
