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ALERT: AFLAC New Business
in Utah Ends February 12th 2010! Aflac will
only accept new business for its individual product lines in Utah until
2/12/10. These plans are currently the number one plans used for Maternity
in Utah. Although we still have other plans, this is a major blow to the
maternity market it Utah. This means we have to have the applications to our
office
by 2/12/10. Spread the word so others don't get left out. We can help you
get this product before it is gone! |
Below are the Hospital Indemnity Plans and summary of plans
available in Utah.
|
# |
Female Only
Monthly Rate |
Couple
Rate |
2 Day
Benefit |
4 Days
Benefit |
Application Notes:
|
|
1 |
$102.09 |
$204.18 |
$3,145 |
$4,345 |
Wife Only Coverage is Allowed |
|
2 |
N/A |
*$97 apx
|
$1,450 |
$2,900 |
Cover's C-Sec only, both
spouses must be covered |
|
3 |
23.40 |
$46.80 |
$1,400 |
$2,800 |
Specified Benefit (ICU) Plan- Can
add child at birth |
|
4 |
N/A |
$162
apx |
$3,000 |
$5,000 |
Husband Wife Coverage Only - 1st &
15th Start only |
The following
is a brief description of the plan(s) that are
available with example premiums:
See contract for complete exclusions and limitations.
____________________________________________________________________
Apply For the above plans here:
Apply
(Note the "https" address
meaning it is a secure server for your protection)
____________________________________________________________________
1. AFLAC
This option ends 2/12/10!
Spread the word!
$102.09/month (Can cover wife alone, cost is per
adult, cost is more if you want to add children)
There is a 10 month waiting period from the effective date
before this can be used for maternity
(ie must deliver in month 11 or beyond. Deliveries within the first
10 month will be denied!)
This price consists of two policies that add up to the $102.09
premium.
Both policies are necessary to get the benefit described.
Benefit is $2,000 for admit in hospital + $550/day
+ $15 for up to 3 office visits per calendar year
So $3,145 for
a 2 day stay, and $4,345 for
a 4 day C-Section
Policy Brochures: Hospital
Confinement Indemnity Personal
Sickness Indemnity
2.
UNL - United National Life
Apx *$97/month
(Must cover both spouses)
No 10 month waiting period, just can't be pregnant when the policy
is put into effect.
The Effective Date is the date of your signature!
EXCLUDES NORMAL DELIVERY IN UTAH! Great if you have a
C-Section!
$725/day for Hospital Confinement Benefit (so 2 days = $1,450,
4 days=$2,900)
$75/Dr Visit benefit up to 10 per calendar year (must submit a bill
for each visit, no global billing)
See brochure & contract for full details, exclusions & limitations
Note: There is a one time Non-Refundable $20 Application Fee that
will be charged
with the first months premium.
Policy Brochure:
UNL Benefits Plus Plan
3.
AFLAC - Specified Health Event Protection Policy
$23.40/month (Can cover wife alone, cost is per
adult, cost is more if you want to add children)
You can add the child at birth. This policy would then pay for
health issues such as an ICU stay
Although it doesn't have the 10 month waiting period like Option #1,
please understand that
you cannot be pregnant when you apply for this policy!
Benefit under this policy:
$700 for admit in an ICU for
Days 1-7
$1,200 for admit in an ICU for
Days 8-15
No Benefits after day 15 for ICU stay
Aflac also pays $350/day in the case of Coma, Stroke, Paralysis,
Heart Attack,
Kidney Failure, 3rd Degree Burns, Organ Transplant and more.
Policy Brochure:
Brochure
4.
APL - American Public Life
$161.88/month (Or $188.80 if applicant is
over 34, and $266.90 if over 44)
If married, you must cover Husband AND Wife at the premium above
(includes both spouses in rate above).
Note: You cannot have this option in
force if any other Indemnity plan (like Aflac) is in force first.
So, you must purchase this plan for a 1st or 15th start date
Benefit under this policy:
$1,000 for admit
$1,000 daily benefit
$2,000 ICU benefit
Brochure
Sample Contract
____________________________________________________________________
Apply For the above plans here:
Apply
(Note the "https" address
meaning it is a secure server for your protection)
____________________________________________________________________
Common Questions and
Answers:
Q) Why can't I go directly through the companies instead of an
Agent like you?
A) The companies
do not have a marketing department. They rely on Agents like us to
take your phone calls, answer you questions and process your
applications. If you tried to call the companies directly they would
send you to one of us to take care of you. You don't pay us, the
companies compensate us by paying a commission based on the number
of applications we send in.
Q) How does the
Aflac "Specified
Health Event Protection Policy" work?
A) This is a
policy that we highly recommend since it will cover both mother
and/or newborn children if they have major complications that
include a stay in the ICU. You must add the child to the mother's
plan within 30 days of birth in order for the newborn to be covered
and pay more for the single parent option. But the huge payout is
well worth having this option as part of your insurance portfolio.
There is a 30 day waiting period before benefits can be paid and you
must not be pregnant on the effective date of the plan.
Q) When will my policies
be in force (ie What will be the Effective Date)?
A) Option #1 (Aflac)
will start within a few business days of when they get the
paperwork. That is when the 10 month waiting period starts for Aflac.
You can also ask for a future date. Option #2 (UNL) will start
within a few business days of when you apply. There is no "10 month"
waiting period on Option #3 but you can't be pregnant on your
effective date. Remember Option #2 will only cover you in the event
of a C-Section (excludes normal delivery in Utah)
Q) What is up with the 10
month rule for Maternity?
A) Although the
companies cannot stop you from purchasing their policies for the
purpose of using it for maternity, they can put limitations for
pregnancy. For example, Aflac (Option #1 above) puts a 10 month
exclusion on their plans. This means that you must deliver in month
11 or beyond from the effective date of your policies. But remember
that these policies are for any eligible hospitalization - They just
so happen to cover maternity after 10 months. The UNL plan (Option
#2 above) does not have any waiting period for maternity, but it
excludes normal delivery (only pays on C-Sections) and you can't be
pregnant on your effective date.
Q) Can
anyone give me a lower price?
A) No. We all
work off the same rate sheets so you can't get a "sweetheart" deal
by shopping around. I really wish I could get a lower price, but it
doesn't work that way. We do more supplemental maternity plans like
this than any other Agency in Utah. Some new Agents try the business
but don't get enough volume to maintain their contracts with the
company. We have been doing this since 1997 and will be there for
you in the future to answer your questions, etc.
Q) Do
I pay you, or the company?
A) You pay all
money to the company. We collect nothing but a VOID check to send to
the company to set up payments. Both of the companies will take a
credit card payment also. Remember that you are contracted with the
company, not me.
Q) When will the first withdrawal happen?
A) Generally the money will come out within the next week or so for
the first month's premium.
Q) Can I cancel these plans anytime I want to?
A) We of course encourage you to "build these plans into your long
term insurance portfolio. But if you decide to cancel be very
careful to make sure the policy continues to be in force through any
claims you may have. But yes, you can cancel anytime month to
month. There is no obligation on your part to continue any longer
than you would like to continue.
Q) What will I get from the companies to to give evidence of
my policies?
A) You should receive paperwork from each of the companies within a
week or two of your applications.
Q) How would I file a claim?
A) If you or a covered family member has a claim (hospitalized
for at least 24 hours) you can fill out a claim form and fax that
claim form to the company with a copy of your hospital bill. See
above summary of companies for claim form links and fax numbers.
Q) Can I pay by Credit Card?
A) Options #1 (Aflac) allows credit card payments and does not
charge extra for Credit Card payments. Option #2 (UNL) does not
accept credit card payments.
Q) Are there any start up fees, Application Fees or other
charges?
A) Yes. Option #2 (UNL) has a one time non-refundable $20
application fee. Option #1 (Aflac) has no application fee and no
extra charge to use a credit card for payment.
Remember to see the actual contract and read it carefully for a
complete description of the limitations and exclusions associated
with the policy described. See agent for details.
____________________________________________________________________
Apply For the above plans here:
Apply
(Note the "https" address
meaning it is a secure server for your protection)
____________________________________________________________________
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