I just received an interesting email newsletter from Wilma “LTC Coach” Anderson, one of America’s foremost Long-Term Care Insurance marketers.

Here’s what she had to say (verbatim)…

“It’s TIME to start selling Critical Illness insurance. It’s the hottest insurance product in the WORLD for Agents to sell. Selling Critical Illness Insurance is sooo much easier than selling LTC! No sales resistance! Everyone can imagine having a heart attack, cancer, or a stroke… and then going back to work.”

“What difference would a $50,000 check make to your client and their family as he/she is recuperating? Plenty!”

And she continues…

“Some things just go better together… like Accident Expense Plus and your client’s major medical plan. More than ever, individuals are turning to high-deductible major medical policies as a way to keep their insurance premiums affordable. Unfortunately, high-deductible plans shift responsibility for a large portion of health care costs to your clients. That’s why American General created a powerful complement to high-deductible major medical plans… Accident Expense Plus.”

“Benefit amounts are from $1000 to $15,000. Deductible options are $0, $100, $250, and $500.”

For about decade, Elite Benefits of America has been selling MASSIVE amounts of Critical Illness Insurance to a majority of Americans that never before heard of it (because most insurance agents haven’t either)!

You see, you can have the most comprehensive health coverage in America and still get wiped out, because health insurance is designed to cover medical expenses only. It’s not going to pay the mortgage or rent, college tuition, car payments, utility bills or buy food for the family. It won’t pay your health or life insurance premiums (you better not let those policies lapse when you’re critically ill).

And what about supplemental accident coverage to protect against a high-deductible (Wilma’s American General example, above)?

Unnecessary with American Community! ALL their plans WAIVE deductibles for accidents! And there’s NO additional premium or ($100, $250 or $500) “supplemental” deductibles!

Butch Zemar