It is important to note that not all products are available throughout The Brodsky Agency's entire marketing area, please check with us about your state. None of the information located in this website is intended for consumers. The content of this site is meant for licensed insurance producers only.
Insurance Products and Services your competitors would die for.
Effective 1/1/2010 marketing and sales begin of the new term products for United Home Life and United Farm Family Life Insurance Company. The company you use depends on your state. You can download complete information from the links below but we're most excited about the following two items.
- Graded Benefit Term 10. This new product is ideal for clients with significant health issues... up through a table 16 and including previously declined applicants. The premium is guaranteed for the initial ten year period and is guaranteed renewable for an additional ten years. The graded death benefit in policy year 1 is equal to return of premium plus 12%, year 2 is equal to return of premium plus 24% and years 3+ the full face amount. The health questions are very limited and include only a 1 year look-back on cancer, hearth attack, stroke and drug abuse. There are no routine exams, blood work, urine testing or attending physician statements.
- No minimum face amounts. There are no minimum face amounts on Express Issue Term Plus ( 20 year), Express Issue Term 30 (30 year) or Express Issue Term 65 (term to age 65). With more and more companies raising their minimums the need for a product like this keeps growing.
Simple Yes/No applications, no medical exams, affordable rates and quick turnaround make these products a must have for every producer. Download your materials by clicking the following links... 2010 Term Agents Guide, General Agent Contracting Kit, not us marketing flyer , Summary of New Term Portfolio, and UHL 2010 Term application. PLEASE NOTE: we do not yet have the United Farm version of the new application. Illinois is one of the states where the Term products will be issued by United Farm and the updated commission schedules with the new term products have not yet been printed. Both will be posted here when available and will also be sent to all contracted producers. . (December, 2009)
IAC's individual medical products are selling well. Have you looked recently? Some popular plans other than IAC may not have a drug card available for higher deductibles, a 50/50 co-insurance option or enjoy underwriting differences in IAC's favor on some conditions. IAC also have a unique plan designs we haven't seen elsewhere. Ask us about the daily deductible plan.
Advanced commissions and General Agent opportunities for qualified marketers exist.
Get a quote, sales materials, (your own quote software if you wish) and applications. Give us a call today.
Click here for producer contracts, plan brochure, daily deductible plan flyer, instructions on 3 ways to apply and application. (December 2009)
UniCare has announced their withdrawal of individual and group medical products from Illinois and Texas. The UniCare group policies placed through our General Agency will be non-renewed at the first UniCare plan anniversary following April, 2010. Therefore, the first potential cancelation of a UniCare group case due to non-renewal will be a May 1, 2010 anniversary.
All of our Brodsky Agency UniCare brokerage business is in Illinois and is group business. BC/BS of Illinois has made an offer to individuals and employers to provide a new BC/BS plan "similar" to existing UniCare and continue billing at approximately the same rates as the current UniCare plan. Please sure to carefully review the BC/BS plan description that is actually being offered to your UniCare customer. In some cases it is very similar in other cases we are getting reports that it is not. Unfortunately, neither BC/BS or UniCare has provided The Brodsky Agency any information on the offers made to your UniCare customers that were insured through our office.
The following applies to group customers of UniCare:
It is more important than ever that you service your client. Your role as their professional insurance advisor could be the key to their good decision.
Our understanding is that BC/BS will only hold the old UniCare rates for those employers who accept their offer until what would have been the next anniversary of the current UniCare policy. In Illinois no employer can be denied a small employer group policy because of employee medical information. Therefore your UniCare group customers have the time to look at all their options including Blue Cross. If they miss the BC/BS offer deadline they will not lose their insurability due to any medical history If BC/BS does turn out to be the best alternative they can apply later for any eligible BC/BS plan at the rate they qualify for with a full rate guarantee period. Further, in our opinion, those that do move to BC/BS now with a rate guarantee period equal to their prior UniCare plan should still review their options with you. The current UniCare premiums whether paid to UniCare or BC/BS are not going to last past the next UniCare anniversary date.
Of course, we encourage you to recommend whichever product is in your client's best interests. It could be a BC/BS plan or it very well may come from any number of other good companies.
There has been much confusion and misinformation regarding UniCare and the BC/BS offer. Please contact Larry Brodsky directly with any questions. (December 2009)
Allied National has announced the availability of their new Short Term Medical Plus product. It's approved in Illinois and the majority of other states where we actively market. Please destroy old supplies and order the new as needed. Allied's STM rates have been substantially reduced and are competitive. A copy of the brochure is available immediately by clicking here. A copy of the new application and rates in PDF format is available by clicking here. (December 2009)
Divorce is an unspoken disability income sales opportunity that even most of our most veteran disability income salesman ordinarily don't think about. Courtesy of Petersen International, one of our great disability markets, click here for their recent article. (December 2009)
Allied National has announced a commission bonus on all employer group moving their medical coverage from UniCare to Allied with effective dates of 1/1/10 or 2/1/10. The bonus is $250 for groups of 2-4, $500 5-9 lives and $750 for 10+. The Brodsky Agency will double this bonus if at least one of the following is also sold through Allied... group life, dental, STD or LTD. For complete details call Larry Brodsky at ext. 135 or Kimberley at ext. 123.
Click here to see the Allied Announcement. Click here for Allied brokerage agreement. (November, 2009)
- Guaranteed Issue - No health questions.
- Anyone age 18 through age 64 can participate. No "must be working" requirement.
- Carrier is United States Fire Insurance Company, pat of Crum & Foster and Rated "A" by A.M. Best Reports
- 4 plan designs with fully insured benefits to meet the needs of your clients.
- Choice of daily in-hospital room benefits up to $1,500 per day for 31 days.
- Lifetime maximum to $1,000,000.
- Pre-ex does apply to Doctor visits, drugs or accident benefit.
- Surgery benefits, inpatient and outpatient, plus coverage for anesthesia.
- Doctor office visits and emergency room visits.
- Accidental Injury benefit.
- AD&D coverage included plus association member benefits.
- 3-tier discount drug card and discount vision benefits.
- No ineligible occupations.
- Easy to sell and purchase online with your free personalized web link.
- Very affordable… with insurance underwritten by an A- insurance carrier.
- A great solution for millions of Americans without health insurance.
- Top producer commissions…28% 1st year and 8% renewals.
- Beech Street PPO
- Available in all states except: CT, KS, NJ, VT, ME and WA.
Another marketer has developed a interesting response using sarcasm to guaranteed issue medical plan common questions. I've included it for your review and hope you find it helpful. click here for Q&A
(November, 2009)
Click here for a great consumer PowerPoint presentation put
together by Ohio National on charitable giving. Please review. You
will know someone who ought to see this! You can personalize the
opening slides with your own name. Americans are the most
charitable people in the world. Some important statistics that you
might not know are that 76% of all charitable contributions come
from individuals (as opposed to Corporations, Foundations, etc.),
89% of households make a contributions each year and their
contributions represent about 3.1% of household income.
In spite of the amount of interest, activity and dollars few
producers are as comfortable with the topic as we would expect them
to be. Many agents experience difficulty explaining how to make
charitable dollars stretch the furthest utilizing life insurance.
Now, you have a PowerPoint presentation that will make your job
easier and develop new life insurance premiums as a result.
(September 2008)
Another Brodsky Agency first? We have provided area brokers a wireless hot spot going back to June 2005. Our hotspot is waiting for you, 24/7. We are near routes 53 and 14 (Northwest Hwy) only 5-10 minutes from Woodfield area depending on traffic. During business hours you are welcome to use a Brodsky Agency desk . We'll offer you a free cup of coffee (we're a way better deal than Starbucks), but if the office is closed or you are really shy, the signal reaches into the parking lots surrounding our office. . You can sit in your car and conduct business. The current password is A123CDE321 but be advised that the password will change from time to time. The current password will be posted on this internet site. (June 2008)
Global Basic brochures are newly available in Spanish. This is in addition existing Patriot and Global Insurance Plans. The Spanish language brochures can be ordered online or by request from The Brodsky Agency. If you would like a personalized PDF version of the brochure contact they are available. Contact Larry Brodsky at extension 135. (September 2006)
The Brodsky Agency website makes available current and back copies of our various newsletters. Please visit our newsletter page frequently. click here to go there now. (August 2006)
QuickApp is one more reason for the popularity of our IAC CompleteCare Individual Medical Plans. (July 2006)
Frequently our brokers encounter health conditions that could have an impact on rates and/or availability of individual insurance. We have begun to develop a series of easy to use questionnaires that identify the information needed to determine quickly, accurately and informally the probable outcome. When we receive your inquiry (with or without a completed questionnaire) we will determine among our multiple companies the best possible fit from the information you are able to provide. The first questionnaire is for multiple sclerosis. Please click here to view/download. We look forward to your call. (April 2006)
Sell temporary health online. As an Allied affiliate agent you are on your way to effortless online sales. No more old-fashioned paper enrollment. You can view an actual working site by clicking here. This site has The Brodsky Agency contact info. Your site would of course be personalized to you and you would automatically and directly be credited as the broker of record by Allied. Contact Larry Brodsky for more details. If you're not yet appointed with Allied... why not? (March 2006)), Individual and Short-Term medical plans all count. Please click here for the complete details and request a health insurance quote today. (February 2006)
Have you explored the generic newsletter we have for you? These are newsletters that you can personalize with your own contact information and distribute as your own. The most recent, January 31, 2006 is regarding HSAs. Please click here to explore. (January 2006)
Now available courtesy of North American Company for Life and Health is a PowerPoint presentation designed for consumers illustrating how much life insurance they need. Feel free to download and use it. Click here to review. (November 2005)
Did you know Ohio National issues Term 10 to age 80? Check out the annual premiums rates to see how Ohio National stacks up against the competition in the senior market per a recent Ohio National flyer which is for agent use only. Click here! (August 2005)
\
Have a high income client? We have
something new from Petersen International. For clients whose
disability needs cannot be satisfied because of Disability
Insurance issue limits of traditional carriers... now you can
simply submit the application and the Declaration page of a fully
underwritten, standard issue, personal non-cancelable guaranteed
renewable disability plan, issued within the last 90 days and we
can issue a supplemental plan of disability insurance up to $10,000
per month but not exceeding in total 65% of income.
A high profit plan. Little added cost. Little added overhead. Full
commission! Call us for more details. (June 2005)
American General has a great guideline for Universal and Term Life underwriting. The Brodsky Agency has uploaded them for your reference. Click Here to review. Users of AIG/American General Software please note that version 5.02.00, March 2005 has just been released. If you did not get your copy please let us know. Finally, American General's return of premium term insurance product is worthy of a quick review if you have not done so already. Both consumers and brokers have caught onto this product in a big way: (March 2005)
HSA Road Rules by Dan Perrin, a simple yet comprehensive guideline for HSAs in PDF format. Useful for Consumers, Employers, Insurance producers and anyone else interested in Health Savings Accounts. Mr. Perrin publishes a newsletter called the HSA Insider... details are on the last page of this PDF document. (February 2005)
Examples of both qualified and non-qualified medical expenses for
HRA and HSA plans in a document
linked here.
For additional information, refer to IRS Publication 502,
"Medical and Dental Expenses. The publication is available at
www.irs.gov but for your
convenience we have a copy we downloaded Feb, 2005 at
this link.
(February 2005)
How much are you willing to pay to have your own website? How much time are your willing to invest to make it happen. Did you know that the Brodsky Agency has created websites for a number of our brokers. The offer is extended to the rest of our brokers and we don't change a dime.
Unlike others offering you a site, the domain name will be one of your own choosing (www.yourownchoice.com) that you own. Your only cost will be for registering your domain name and what the web hosting service will charge. We are able to refer you to a host where the total of the domain registration and hosting will cost about $45 for two years. There is no financial reason you can't have your own site!
How much time is involved? Your investment in time will be about 30-45 minutes at the outside probably less. Once you have taken the first steps it will take about The Brodsky Agency about one week to bring your site alive on the Internet. For more information contact Larry Brodsky, lbrodsky@brodskyagency.com (February 2005)
When we say we will do more to earn your business than any other brokerage agency, we really mean it. We hope our competitors will follow our example and set up their own public hotspots to help you conduct your business more efficiently. Tell us what you think.
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