THIS WEEK'S SPOTLIGHT

• Group Critical Illness: Cancer, heart/stroke, critical illness & 69 different conditions

1. Return of Premium and keep coverage "cash back"
2. Cash-up-front benefits up to 50k per event. Re-occurrence benefits up to 100% + indemnity plans.

• Group Short Term Disability: Paycheck protection $6,000 per month (worksite) higher amounts for individual underwriting.

1. Coverages starts at the end of the free STD CPS
2. Benefit period of 24 months, max. benefit: $144k
3. Guaranteed issue - regardless of health condition (worksite-group plans)

• Group Accident Expense: Honor system for wellness benefits (7 categories of benefits), (no claim forms required - toll free call)
• Group Whole life with living benefits: Guaranteed issued $125k, simplified issued $250k face value

1. 70% advance Chronic Illness & cognitive impairment

• Max. age: 70+
• One price for the group (no underwriting for Guaranteed Issue)
• Future smart program
• Free life insurance - $50k
• Free school donations: Donors choose, Carnival day, & free gift lunch for each benefit review.
• USA represents all the major voluntary benefits company, best provider, best products, & best pricing including the top 3 companies.

When conducting an enrollment in a school with existing business, see every policy holder to see if you can be of service:

1. If things are well, encourage them to tell other teachers about our program and service.

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