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AO scripts > Part A > Flashcards

Part A Flashcards

1
Q

Hi ____________ , Vicki Gessler with American Income life & I am the benefits specialist working in cooperation with your union as well as with many others ie.. teamsters, Police & Fire Depts, Veterans, Even the NFL! And the list goes on & on. I’m sure you would agree that these unions have some of the benefits , Right

A

yes

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2
Q

By the way, spouse is there too right? because these benefits pertain to her/him too

A

yes, If no, my schedule is pretty full as you can imagine with all the union members I have to meet with and we have a small window of time during open enrollment, I’ve got this evening x_____ or x_____ time, which time do you want for the both of you?

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3
Q

Great, your file landed on my desk so it is my job to make sure you are fully taken care of (so if they filled out a card) Repeat the information your request for the 4,000 AD&D info or whatever card they sent in,

A

OK

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4
Q

They have down your bday as and spouse bday, is that correct? and listed spouse as beneficiary is that correct?

A

yes, correct

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5
Q

Whatever the card return, say now this covers you, spouse and any children you may have

A
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6
Q

As you can imagine, my schedule is very full as I have alot of union members to meet with during this open enrollment!

A
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7
Q

This won’t take long but it is very important that I go over all your NO COST & PERMANENT benefits you may qualify for with you (you guys)
Do you have a little time right now?
Sound Good? ( Nod head Yes)

A

How long? well it depends on how many questions you have but typically about 40 minutes, sound goo?

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8
Q

I’ll go and send you an email or text so that I can go over this via zoom. It’ll be coming from client support. do you see that link? I’ll stay on the line with you until I see you on your laptop Can you hear/see me ok?

A

Ok, got it. Do I need to download anything? nope, you should just need to click on the link & enter the password associated with it

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9
Q

So _____________ How often do you go to your union meetings?

You do read the newsletters though, don’t you? Ok, Great ,

Thank you for being honest with me!

A

Oh, not very often, yes sometimes

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10
Q

Name_________. How long have you been with Union____________?

A

X YEARS

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11
Q

Wife_______ are you currently working? If yes, what kind of work do you do? How long have you been doing that?

A

Yes, I do this_____ been there # years

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12
Q

Oh Wow!_______ yrs is a long time, Has anyone gone over your benefits with you? You at least read the letter right?

A

yeah, sometimes or no not really

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13
Q

(If they say, between 1-3 years say, Oh Perfect, this is exactly the time they want us to meet with new union members to discuss all of their benefits)

A
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14
Q

So American Life is the private benefits company which negotiated with the major unions to provide their members with all of their permanent benefits as well as some Great
NO COST benefits!

A
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15
Q

So ,
We are meeting here for 2 Reasons

A
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16
Q

1) I will be going over all the, NO COST, benefits from your union. 2) The Second Reason, Is to help you qualify for the permanent benefits .
Your workplace benefits are TEMPORARY,
but you knew that right? Nod head yes

A

yes, sounds good

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17
Q

After we are done, the Union asks for a report card to go back to them which lets them know I reviewed all of your benefits with you and did my best to help you qualify,
Sound Good So Far! Nod Head Yes

A

Ok, sounds good

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18
Q

So I’ll go thru the
NO COST BENEFITS FIRST
to get that out of they way so we can get
to the Permanent Benefits which are most important

A

REMEMBER FREEBIES ARE CARROTS

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19
Q

So The first FREE BENEFIT FROM UNION # is The Accidental Death & Dismemberment known as AD&D (SHARE SCREEN SHOW AD&D CERTIFICATE) This also maybe the referral card we received

A

Let me know if you can see my screen & hear me?! Ok Great!

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20
Q

Name___________, here is your $ 4,000 AD&D Benefits Certificate which will covers you when you die in any type of accident on or off the job or When you have a dismemberment like a limb, eyesight etc…

A
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21
Q

The 2nd FREE Benefit you have is The AIL Plus Health Savings Card

A

Let Me Zoom in …
This is health savings card (not insurance) but can supplement what benefits you currently have.

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22
Q

These benefits include RX, Vision, Dental, Chiropractor & the list goes on with a savings of 10% -80%!
You will receive the information on how to Activate your group
membership
Pretty Cool, huh

A

Do you have any Questions
for me so far?

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23
Q

The 3rd FREE Benefit
DON‘T SPEND ALOT OF TIME HERE

A

is the Child Safety kit which is endorsed by all Police Departments.This is a document that keeps all the important information about your child in 1 place such as finger prints, photograph, identifing marks etc..according to the FBI, 93% of children that go missing are never found alive if they are not found in the 1st 24 hours. Make sure you complete a kit for each child an keep in safe place

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24
Q

DO YOU GUYS HAVE A WILL YET? OK, WE WILL GET TO THAT SHORTLY

A

THE 4TH NO COST BENEFIT IS
The Family Information Guide, THIS IS NOT A WILL but….

25
Q

Think of this as a road map or CONSILDATING All your VIP information into 1 PLACE!

A

What they found was that many benefits & Important Information goes UNUSED or MISSING simply because your loved ones aren’t aware of Life insurance policies & other important financial information. even your checking & Savings account.

26
Q

Millions of $$$ go unclaimed because families just don’t know! Please make sure you complete this as soon as you receive it and if you can get it notarized even better and keep it in a safe place.

A

LASTLY IS THE
NO COST LAST WILL &
TESTAMENT KIT

27
Q

This is a NO COST LAW WILL & TESTAMENT KIT. 100% Legal will w/ no Lawyer needed. My friend’s husband is an attorney & he quoted us $2,500 to do our will!

A

COLLECT PLUS LEADS

28
Q

So____________________ Because you are a member in good standing, They’re are allowing you to share these benefits WITH YOUR CLOSE FAMILY & FRIENDS!

A

Since this is a short open enrollment, there is only a limited time that they are allowing members to extend these same NO COST BENEFITS.
The only eligibility is that they are over 21 yrs old, Not in trouble with the Law & Does not live in same household

29
Q

What a great gift they are allowing union members to extend union benefits to your loved ones!

A

DO NOT BE SHARING SCREEN AND IMMEDIATELY LOOK DOWN AND START ASKING NAMES, CITY

30
Q

WHAT MOST PEOPLE DO IS START WITH THE SAME PEOPLE THEY WOULD PUT ON THE FAMILY INFO. GUIDE I SHOWED YOU EARLIER

A

MOM
DAD
OLDEST BROTHER
NEXT OLDEST BROTHER
SAME ORDER W/ SISTERS
SAME ORDER BFF’S
SAME ORDER W/ COWORKERS CITY
SIGNIFICANT OTHER (NAME)
PHONE # Any Veterans (LET THEM KNOW WE HAVE SO MANY UNION MEMBERS, THIS ACTUALLY WILL HELP YOUR FAVORITE COWORKERS CUT IN LINE, THEY’LL DEFINITELY BE HAPPY YOU THOUGHT ENOUGH OF THEM TO DO THAT!

31
Q

START SENDING 3 WAY TEXTS So I’m going to make this super easy for you (you guys)!

A

Now_______________, you guys text right? And your Family & Friends text as well?
(shaking head yes)

32
Q

I’m going to send you and each person you are gifting your benefits too. The reason we do this is a) we all get those ‘potential spam’ calls. This way they know that I am a real person and referred by you so they can say Thank you!

A

ADD OTHER TEXT MESSAGE IDEAS Name________________ Let me know when you get each text and reply OK

33
Q

Quickly Transition to Part B

A

lET ME BACK up a second,
have you ever seen one of these blue folders? Now_____________ you said you haven‘t been very involved w/ your union Right? (Look at Watch)

34
Q

WELL, American Income (we are union as well) has been the union’s PERMANENT benefits co. since 1951 and we are unionized as well. We are the only 100% Union co. Insurance co. on the PLANET

A

SHOW UNION LEADER SCREENS THIS IS THE _______BOARD OF UNION LEADER

35
Q

DID YOU KNOW
31 days after you change jobs, retire, or leave the union, your benefits expire!

A

AMERICAN LIFE & THESE UNION LEADERS negotiateD a PERMANENT PROGRAM
for all their members if you qualify

36
Q

These benefits DON’T EXPIRE and STAY WITH YOU FOR LIFE REGARDLESS IF YOU RETIRE, CHANGE JOBS OR LEAVE THE UNION !

A

AND THEY CAN ALSO fill in the GAP
for the benefits that you already have! Make Sense, Nod head Yes

37
Q

START MEDICAL QUESTIONAIRE YOU ARE FILLING IN HPPRO NOW NOT SHARING SCREEN

A

Not everyone qualifies, Just like when applying for a mortgage, there are certain qualifications that need to be met.

38
Q

Have either of you had any arrests including DUI?
Do either of you use tobacco or marijuana
Do Either of you take medications?
Have you ever had any health issues?
Do any health conditions run in your family

A

______________ How Much do you make an hour?
_____________ How much do you make an hour?
MAKE SURE HAVE CORRECT SPELLING
DOB

39
Q

HOUR OF POWER PHILOSOPHY
Have you ever heard othe old Hour Power Philosophy?

A

It’s an Old Labor Principle that says a member should set aside 1-2 hours of their wages to protect themselves, their families And their Families Future.

40
Q

So______________ If you only worked 39 hours one week it’s not going to make a major impact on your lifestyle RIGHT? Just like if you worked 41 Hours you’re not going to go out & buy a New Car either,

A

Unlike financial planners that tell you to put aside 10-20% which isn’t doable for most hardworking folks like us Does That Make Sense?

41
Q

They said typically Most Members it is anywhere from $ 20 - $ 80 per wk depending on ones needs.

A

BUILD PROGRAM THEN EXPLAIN
SHARE SCREEN

42
Q

PART C OK Here is what THEY’VE SET UP FOR YOU ALONG WITH
3 MAIN AREAS
that THEY are Concerned about

Please stop me along the way if you have any questions

A

WHEN you or your family are ever injured in an accident, although your medical bills will be covered by your health insurance, Union # & American Income have put a lot of thought into it a program to help take care of those concerns

43
Q

C1 DOUBLE A7100
ER ACCIDENT PLAN

A

SO, NAME & NAME, WHEN YOU OR ANY OF YOUR CHILDREN HAVE TO GO TO THE EMERGENCY ROOM, THEY ARE GOING TO SEND YOU

44
Q

$100 JUST FOR TAKING THE TIME GET THE INJURY TAKEN CARE OF, EVEN IF IT’S JUST FOR STICHES
AND, NAME & NAME, WHEN YOU OR ANY OF YOUR CHILDREN END UP IN THE HOSPITAL THEY WILL SEND YOU $200 PER DAY YOU ARE IN THE HOSPITAL FOR UP TO A YEAR!
IF ANY OF YOU ARE IN THE HOSPITAL FOR 1 WEEK THAT IS
$ 1,400 PAID DIRECTLY TO YOU!
THERE IS ALSO AN INTENSIVE CARE BENEFIT WHICH PAYS $ 400 PER DAY UP TO $ 14 DAYS

A

ALL OF THESE BENEFITS ARE OVER AND ABOVE ANY MEDICAL BENEFITS YOU ALREADY HAVE. THIS IS CASH PAID DIRECTLY TO YOU TO HELP WITH ANY ADDITIONAL EXPENSES INCURRED!

45
Q

A 7100 Accident Policy
ER, Hospital, ICU Benefits
SHOW YOUR SCREEN

A

When an Accident to us, especially in our younger years, The Union & American Life negotiated a Accidental plan!

46
Q

So, what they’re going to do is not only pay your final expenses but send your family an addition
$ 20,000 If it is Auto Accident , they will pay $ 40,000 If it is any public transportation ,(planes, trains, buses)
They Will pay $ 100,000
AND…..
Your Children Are Covered as well…
$4,000, $ 6,000 & $ 20,000 Respectively

A

(Name)
will that help your family?

47
Q

C2 Freedom of Choice
Lastly, _______________, is your Funeral instructions. I know this is a little akward to talk about but ____________
have ya’ll ever had to plan a funeral before?

A

IF SAY YES, “YOU KNOW HOW EMOTIONALLY DRAINING THIS IS ALL THE WHILE YOU’RE GRIEVING AT THE SAMETIME

48
Q

FUNERAL HOMES ARE BUSINESSES TOO, RIGHT?
SO THEY EXPECT TO GET PAID BEFORE THEY WILL PERFORM ANY SERVICES REGARDLESS
OF BURIAL OR CREMATION.

A

Even if you have Life Insurance, that can take up to 6 months to pay out. Funeral Homes are a business and just like any business expect to get paid immediatly!

49
Q

So whose going to have to whip out the checkbook, credit card, dip into savings etc…
That’s Right, The Family!

A

However, THEY CREATED
THE FREEDOM OF CHOICE PLAN that will pay off ALL YOUR entire funeral expenses!

50
Q

ALL YOUR LOVED ONES HAVE TO DO IS, PRESENT THIS CERTIFICATE TO ANY FUNERAL HOME.

Isn’t this nice to know there’s no burden left for your loved ones to contend with upon your death?
(Nod Yes)

A

Name,They have allocated $______ for you
and Name $__________ For You

51
Q

And What else is great about the Freedom of Choice Plan,
If the expenses are less than the face value of your certificate, your family will receive the difference in cash!

A

ALSO, EACH CHILD RECEIVES $10K WHICH THEY CN MAKE IT $50K WHEN THEY TURN 21!

52
Q

I remember having to handle my mother’s funeral and My sister and I had to breakout the checkbook, It would’ve been nice if my mom had had the Freedom of Choice!

A

So Who Do you want the money (your beneficiary) to go to?

53
Q

Go Over
C3 A7100 Income Protection Maybe quickly tell a part of my storY

A

Wouldn’t you agree that losing one of your paychecks immediately would definitely impact the livelihood of your family
(Nod Yes) MENTION BRIEFLY MY STORY

54
Q

SO, NAME & NAME, GOD FORBID, SOMETHING HAPPENED TO YOU. YOUR PAYCHECK DOES WHAT?

A

LET THEM ANSWER YEP, IT STOPS!

55
Q

They have a Program negotiated to take care of this Circumstance as well

A

SO, NAME WHEN YOU PASS, THEY ARE GOING TO SEND , NAME A PAYCHECK STARTING THE NEXT MONTH AND THE MONTH AFTER THAT FOR ______ YEARS AND THE SAME FOR YOU, NAME, NAME WILL RECEIVE YOUR PAYCHECK MONTH AFTER MONTH FOR __YEARS

56
Q

PROTECTIONS
QUICKLY TOUCH ON THESE BUT NOT TO MUCH TIME
EMERGENCY FUND
TERMINAL ILLNESS RIDER
STRIKE & LAYOFF PROTECTION

A

ALL OF THESE BENEFITS ARE GUARANTEED AND NON CANCELLABLE WHICH MEANS IF CAN GET QUALIFIED TODAY, THEN NO MATTER WHAT HAPPENS AFTER TODAY, TO YOUR HEALTH, AGE OR HABITS, NO ONE CAN EVER TAKE THEM AWAY FROM YOU!

57
Q

PART D
CEMENTING THE PLANS

A

You’ve worked Hard for so many years and made sure to take of your family, so you can understand HOW IMPORTANT THESE BENEFITS ARE TO YOU AND YOUR FAMILY
Make Sense?

58
Q

THIS IS YOUR OPEN ENROLLMENT SO NOW is thE ONLY TIME to lock these PERMANENT BENEFITS. It’s better to HAVE THEM & NOT NEED THEM THAN NEED THEM & NOT HAVE THEM!

A

UNION MEMBERS SET THEIR BENEFITS UP JUST LIKE A PAYROLL DEDUCTION, ONCE A MONTH THRU THEIR CHECKING ACCOUNT.

59
Q

So_________________
Would the
Silver
Bronze
Gold
Plan work best for your family

A

Then immediately ask, what day of month to make benefits payement? And go to the banking info on the contract page

AO scripts (1 decks)

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