this presentation is not for use in california for producer use only. not for use with consumers....

This presentation is not for use in California

For producer use only. Not for use with consumers.

How to Spot a Guarantee Issue Case

For producer training use only. Not for use with consumers. This presentation is not for use in California.

For producer training use only. Not for use with consumers. This presentation is not for use in California.

13409PPT 11/08

13409PPT 11/08

How can you spot potential Guarantee Issue (GI)

disability insurance prospects?

Look for the clues…

13409PPT 11/08

Research current group benefit plans

Determine what the company is trying to accomplish in providing individual disability income insurance.

The more you know about company goals, the better prepared you will be to offer a benefits solution.

13409PPT 11/08

Provide competitive benefits

Increase employee retention

Offer special incentives to key employees

What are the company’s goals with regard to its benefit plans?

13409PPT 11/08

Do not currently offer disability income insurance

Offer DI on a group LTD basis only

Seek out employers who:

13409PPT 11/08

Search for

Plans in which a number of employees are reaching their group LTD benefit ceiling

Group LTD plans facing significant rate increases due to plan design

Employers wishing to enrich their existing benefits program

Companies with employees earning significant bonuses

13409PPT 11/08

Focus on this:

In a competitive job market, employers who can offer excellent benefits are more likely to keep valuable employees and attract new ones.

13409PPT 11/08

Zoom in on the solution

The Protector+SM

Adds value to total benefit portfolio

Is strong alone as well as in combination with group LTD plans

Provides additional coverage for key employees and those with incentive pay

Offers the option to lock in rates

13409PPT 11/08

Guarantee Issue disability income insurance from The Standard addresses an important employer need while giving you the opportunity to significantly boost your bottom line.

13409PPT 11/08

When the clues lead you to suspect a GI case, contact your sales partner with The Standard.

13409PPT 11/08