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... 8. Are you aware that Accidental Death and Disability insurance for you and your family is available at a low cost...urned. CSR/Marketer calls customer and reviews Personal Lines Renewal Revi...

... 8. Are you aware that Accidental Death and Disability insurance for you and your family is available at low cost? ... Would you like to meet, and review all of your protection? Plea...

... 8. Are you aware that Accidental Death and Disability insurance for you and your family is available at a low cost...anges are required, order from company and set up suspense in computer (see en...

...sary, category would include an Accidental Death policy, a Second-To-Die polic...ing Life, Disability, Medical Expense, and (assuming the agency has the licensure and expertise) equities. View any openi...

...dent Double Indemnity for accidental death Waiver of premium if th...e submitted. This saves the agent work and cuts down on the probability of err...

...d themselves victims of serious accidental injuries or illnesses before they r... a policy can be as short as one month and the premium is quite modest. If yo...

... the Group sales volume Either guaranteed-issue coverage or liberalized underwriting with no medical examinations required Employee ownership of coverages-the employee owns the policy and therefore can keep it if employment is terminated Spouse-only coverage-an employee need not be enrolled in order to enroll a spouse or dependent Double Indemnity for accidental death Waiver of premium if the insured becomes totally disabled during the policy period Immediate protection-coverage begins immediately upon completion of enrollment forms and authorization for payroll deduction Agents can become involved in these programs on different levels. Basically, there are three options. An agency can ... , sell, and administer the voluntary benefits program itself, sell programs that are designed and administered by an insurance company, or sell the program to employers and engage the services of a firm that specializes in selling and administering these programs on the employee level. Each approach has its pros and cons. With the first option, the agent has total control of who talks to the client when, and receives full commission for his or her efforts. But this method also means a lot of work. An agency needs a strong ... 40:32 PM by CompleteMarkets Editor This content has not been rated yet. &# 160 PAYROLL DEDUCTION EMPLOYEE BENEFITS: MODULEV-B &# 160 THE COVERAGE Payroll deduction employee benefits can involve a number of coverage products ranging from Term, Whole, or Universal Life to Disability Income products and 401 (k ) plans. An agent can sell just one of these products on a payroll deduction basis, or a combination of them. The agent can also sell specialized payroll deduction plans such as Section 125 plans (these plans are discussed ...

... of the hospital Private hospital room (only if required by law) Prosthetic devices Radiation therapy Speech therapy Substance abuse Surgery Surgery-second and third opinions Testing Well baby care X-rays A good Group Health insurance contract should provide the aforementioned benefits, plus a Group Life benefit and Group Accidental Death and Dismemberment coverage if mandated by law. Following is a list of some options you might encounter in a Group Health contract: Common carrier Dependent Life coverage Dental plan Long-Term Disability coverage Loss of Time (Sickness), aka Weekly Indemnity Legal service Medicare supplement ... Prescription drug cards service Pharmaceutical PPO Supplemental accident Vision care Because pre-paid plans, HMOs, and PPOs do not issue Life insurance or Accidental Death and Dismemberment coverage, and because many optional coverages are written only in certain plans, it may be necessary for you as the agent to put together several different plans for a total employee benefits package for your insured. Method of Benefit Delivery Although designed to cover the same basic risks, insured plans, pre-paid plans, and HMOs and PPOs deliver their benefits quite differently. Insured Plans-Generally, an ... obsolete by the emergence of new, more modern versions. Plans have always attempted to extend their benefits to encompass ever-more sophisticated methods of medicine and its delivery. The earliest forms of individual Health insurance, introduced prior to 1910, were generally issued as an adjunct to Disability Income insurance and provided for a 50% to 100% increase in the monthly Disability benefit during hospital confinement. It was not really until the 1930s and the Depression years that a form of Health or Medical Expense insurance separate from Disability Income insurance became widely used ...

...attached. Policyholders can add Accidental Death or Disability Income. Premiums can al...ny questions you might have, as well. And remember, we can handle all your insurance needs, from Personal and Business insurance to Life and Health insurance and financial services. Just give us a ...

... flexibility as to how profits are allocated. Your client in a general partnership has very different insurance needs than one with the Personal Liability shield of a corporation or LLC. With limited partnerships, the limited' partners do have some Liability protection. However, they can accidentally lose the status of limited' partner if they become too involved in management, inadvertently becoming a general partner' with all associated risks. If the partnership is being sued, guess what the opposing lawyers will probably try to do? They must find at least ... from runaway jury awards to trespassers or the like. In joint-venture situations, they can make dissolution ( 'divorce') of the LLC's members easier and more tax efficient. LLCs can be very effective in estate planning. Members can achieve a step-up in basis at death. LLCs can also substitute for a trust or family limited partnership in many cases. You can use discounting' concepts you may have heard about for impressive estate tax savings. LLCs can also be used as an effective alternative to Subchapter S corporation structure, with ... , even acting as manager of the LLC, with an option to acquire the member agencies in the future) . The LLC itself may buy other agencies and/or be the stand-by purchaser, on predetermined price formula and terms, in an agency principal's death or disability. SALE OF YOUR AGENCY If your agency is organized as a C corporation and you don't have 10 years to wait before selling, you'll need to explore creative ways to control the very high tax you could end up paying. Some of the techniques you should ...