What's new at The Brodsky Agency. Where Insurance Brokers get the industry's best products and service.

Alternative Funding has become an increasingly important part of our agency's small employer group activity and is now available for employers with as little as 10 employees. We recently sponsored a complete education program that was done in two well attended Webinars. If you were unable to attend they were recorded. Part 1 (Click here) is a more basic presentation on the concept and the product. Part 2 (Click here) is the advanced presentation. The Webinar was co-sponsored by Allied National, one of three carriers that we have that will issue 10+ self funded cases.

We continue to provide the best proposal service in the industry... average turnaround is less than one business day. We look forward to quoting your next case. (9/2011)

Pets are family too! Home Shopping Network, Delta Airlines, Morgan Stanley and 2,800 other companies offer Pet Assure to their employees. Now it's time to add your employer to the growing list. The Brodsky Agency is your MGA for this product line. Click here to view additional information and download product materials. (8/2011)

About 2/3 of employees have pets in their household yet almost none have pet coverage. You can now offer Pet Care as a stand alone Voluntary or on a regular group structure with the plan the Brodsky Agency starts marketing at the end of June 2011.

The test marketing of this product demonstrated that employers are very receptive to adding this product, particularly when they are not required to contribute. Employee interest is also unusually high. This product is a certain producer of new revenue from existing groups and a door opener to employers not yet working with you. The first sales materials will be distributed to those producers having expressed interest at the end of June, 2011. To reserve your copy e-mail your name, phone number and e-mail address by clicking here. (6/2011)

I don't watch much TV. There are all sorts of TV series that have come, been very popular and gone without me ever watching a single showing. I choose to do a number of other leisure activities like Tennis, yard work and reading. One of the other things I do is an occasional online opinion surveys. I find the surveys interesting and get paid on the average about $5 to 10 dollars a month for a couple hours spent. That's not a lot of money, particularly when measured per hour. But better than zero as when in front of a television.

I learned about how to be offered legitimate surveys from kimkomando.com. This website is a great site to learn about technology in plain language. Even though these surveys have nothing directly to do with insurance I think some of our readers will find them of interest... you can click here to learn more. (June 2011)

Seriously, there is affordable term life insurance. This is not only a statement of fact, it is also the title of a sales tool available to our Ohio National producers. A client approved postcard that includes rates for men and women is available to be customized with your information. More information is available by clicking here. How good is Ohio National's Term portfolio... click here. (June 2011)

Summer is the busiest time of the year for travel related insurance products and many of our brokers earn significant additional commissions from their current clients by offering these plans. Your clients are already buying travel related insurance. Are you or your competitors getting the business?

New producers are amazed at how easy it is to be in this market. If you need to know more or brush up on your skills we have several recorded past Webinars for your use:

and finally please take time to view the IMG produced consumer video on the need for international medical insurance.

For those not yet appointed with IMG please click here for your sales agreement. Your appointment takes only a couple minutes using our online tool. (June 2011)

American General has announced significant premium reductions and enhanced their competitive position in the most popular term durations and risk classes. Read the product bulletin by clicking here. Did you know that the American General relationship goes back to the day The Brodsky Agency opened its doors, 9/1/1977 almost 34 years ago? (April 2011)

More companies are publishing their annual reports online and Assurity is the most recent. Doing so makes sense environmentally and financially. Click here to access the new Assurity Annual Report website. (April 2011)

Guaranteed Universal Life plans continue to grow in popularity. Why? A recent article written by Michael Murphy that appeared in Life Insurance Selling Magazine and reproduced for agent use by American General provides plenty of information why this is so. Click here to view the article. (March 2011)

We have learned that IMG will be extending availability of their 2010 rates for many of their short term travel insurance from April 1, 2011 to July 1, 2011. Plans affected are the Patriot and Outreach series including the number one seller: Patriot Travel Medical (Both Group and Individual). Online materials have been updated. (March 2010)

The #1 Individual Dental Plan In The Marketplace?

We think our Nationwide Multiflex Insured Dental Plan just might be...

The plan details, sales materials, personal selling link, rates and much more are now available for your immediate review and download. Click here for all this and more. Multiflex Dental Insurance is a product your clients will like and purchase from you.

Here are some highlights for Multiflex Dental Insurance...

Why not take the time right now to click on the link, download all your sales materials, get appointed and start selling. (2/2011)

Companion Life, one of the nation's best provider of ancilary group products has chosen The Brodsky Agency to represent their products. Companion only has a small number of General Agents nationally and we feel quite honored to now have their product line. Click here to review their product lines.

Did you know that your best small employer groups have an alternate to traditional full insured plan... partial self funding. For select groups down to 15 lives we offer the chance at something better than a Christmas Card from the insurance company (maybe) and a increase letter at renewal time. Why would an employer consider partial self funding...

Click here for the proposal request form for traditional quotes or click here for an HSA quote request form to include with your census. (January 2011)

We think we were the first. The Brodsky Agency has provided complimentary wireless service for our producers going back to June 2005. Whenever you visit our office please feel free to take advantage. Our hotspot is waiting for you, 24/7. Our office is in Palatine, IL near routes 53 and 14 (Northwest Hwy). During business hours you are welcome to use a Brodsky Agency desk and have 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. . 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. (November 2010)

Patriot Travel Medical Insurance from International Medical Group is the most popular travel plan measured by the number of sales that we offer. If you are not familiar with Patriot Travel it is a health insurance policy designed to provide short term worldwide medical and travel coverage to all people other than U.S. citizens while residing in the U.S.

Do you have a current Brochure and application? If you are contracted with IMG, sign in with your producer ID at the IMG website and download your updated and personalized sales materials. If you are not contacted or prefer a quick look you can click on these following link to get a copy of the brochure. These materials are personalized with The Brodsky Agency information and will show you how your personal sales materials will look. You can get contracted by clicking here and then order your own personalized materials (or we will be happy to order for you).

Even though hard copy sales materials are available most applications for international coverage are now completed online. If you would like more information on doing your business on the web, it's simple and we'll show you how.... even if you don't have your own website. (November, 2010)

Just released from Assurity regarding their Long Term Care product... "Did you know" Click here to download in PDF format. (November 2010)

Where else in the insurance industry can you provide an full immediate death benefit at Standard of Preferred rate classes to clients with the following conditions?

Our new product line is amazing... click here to download sales materials and learn more. (October, 2010)

Global Medical Insurance from International Medical Group is a popular product for many Brodsky Agency brokers. If you are not familiar with Global Medical it is a health insurance policy designed to provide longer term worldwide medical coverage to all people other than U.S. citizens while residing in the U.S.

IMG has published a new Global Medical Brochure and application along with new rates. Please immediately replace your old materials. If you are contracted with IMG, sign in with your producer ID at www.imglobal.com and download your updated and personalized sales materials. If you are not contacted or prefer a quick look you can click on these following links to get a copy of the brochure, rates, and application. These materials are personalized with The Brodsky Agency information and will show you how your personal sales materials will look. You can get contracted by clicking here.

IMG has published a new Patriot International Medical Insurance Brochure. Please replace your old brochures. They are now out of date. If you are a contracted IMG producer you should log into the producer area of IMG's website to download a personalized PDF with your own agent information and/or to order other supplies. If you have any difficulty logging in you can get a sample copy of the new brochure through the link that follows below and contact the Brodsky Agency for help in getting personalized materials.

If not yet an IMG producer, a Patriot brochure can be viewed here by clicking this link. Brokers not yet contracted with IMG should contact the Brodsky Agency for a sales agreement and personalized forms. Please note that the brochure available from the page's link has The Brodsky Agency information imbedded and if it is used for a sale the producing agent name must be changed.

Most IMG business is currently written using the Internet. It's really easy to do. Ask us how if you are not yet using the Web app. (May 2010)

On April 20th The Brodsky Agency held a Webinar featuring solutions to disability problems that most professionals fail to recognize. The Webinar presenter was Thomas Petersen, of Petersen International, a company that we have brought to Brodsky Agency brokers since the early 1980s. If you have clients that are in any of the following categories you need to review the Webinar materials. You will be very surprised by the incompleteness of the financial plans for clients...

All disability and other Petersen International quotes and materials are available from Kim Norwood or Larry Brodsky. (April 2010)

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.

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)

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)

New GUARANTEED ISSUE Limited Medical Plans�up to $1,000,000 Lifetime Maximum

Health Essential is a guaranteed issue, medical benefit product for individuals, associations, and groups.�

Health Essential is a great solution for the growing number of individuals who cannot qualify for, or afford, traditional health insurance; or employees who do not have employer-sponsored health insurance. Health Essential can also be sold as a gap plan for individuals and groups with high deductible health plans.

Some of the key features of Health Essential:

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.

Don't miss out on this exciting new product opportunity.

To learn more about selling Health Essential click here to download in PDF format a sample brochure. Click here for an application. Click here for a sales agreement. After you return your sales agreement to the agency we will forward your personalized web link.

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.

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)

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)

Something is new at brodskyagency.com virtually everyday. The most recent update to this page was on 11/11/2011


*Home Page* Newsletter Trivia Answers *About The Brodsky Agency* *Producer Center* *Insurance Humor* *Contact Information* 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. Alternative Funding has become an increasingly important part of our agency's small employer group activity and is now available for employers with as little as 10 employees. We recently sponsored a complete education program that was done in two well attended Webinars. If you were unable to attend they were recorded. Part 1 (Click here) is a more basic presentation on the concept and the product. Part 2 (Click here) is the advanced presentation. The Webinar was co-sponsored by Allied National, one of three carriers that we have that will issue 10+ self funded cases. We continue to provide the best proposal service in the industry... average turnaround is less than one business day. We look forward to quoting your next case. (9/2011) Pets are family too! Home Shopping Network, Delta Airlines, Morgan Stanley and 2,800 other companies offer Pet Assure to their employees. Now it's time to add your employer to the growing list. The Brodsky Agency is your MGA for this product line. Click here to view additional information and download product materials. (8/2011) About 2/3 of employees have pets in their household yet almost none have pet coverage. You can now offer Pet Care as a stand alone Voluntary or on a regular group structure with the plan the Brodsky Agency starts marketing at the end of June 2011. No Employer contribution required when offered on a voluntary basis All pets accepted, no matter what medical history or age No Pre-Existing Limitations Very Affordable Available for small groups, Fortune 500 companies and all sizes in between. Available to individuals outside of group at a small increase in price The test marketing of this product demonstrated that employers are very receptive to adding this product, particularly when they are not required to contribute. Employee interest is also unusually high. This product is a certain producer of new revenue from existing groups and a door opener to employers not yet working with you. The first sales materials will be distributed to those producers having expressed interest at the end of June, 2011. To reserve your copy e-mail your name, phone number and e-mail address by clicking here. (6/2011) From Larry Brodsky: I don't watch much TV. There are all sorts of TV series that have come, been very popular and gone without me ever watching a single showing. I choose to do a number of other leisure activities like Tennis, yard work and reading. One of the other things I do is an occasional online opinion surveys. I find the surveys interesting and get paid on the average about $5 to 10 dollars a month for a couple hours spent. That's not a lot of money, particularly when measured per hour. But better than zero as when in front of a television. I learned about how to be offered legitimate surveys from kimkomando.com. This website is a great site to learn about technology in plain language. Even though these surveys have nothing directly to do with insurance I think some of our readers will find them of interest... you can click here to learn more. (June 2011) Seriously, there is affordable term life insurance. This is not only a statement of fact, it is also the title of a sales tool available to our Ohio National producers. A client approved postcard that includes rates for men and women is available to be customized with your information. More information is available by clicking here. How good is Ohio National's Term portfolio... click here. (June 2011) Summer is the busiest time of the year for travel related insurance products and many of our brokers earn significant additional commissions from their current clients by offering these plans. Your clients are already buying travel related insurance. Are you or your competitors getting the business? New producers are amazed at how easy it is to be in this market. If you need to know more or brush up on your skills we have several recorded past Webinars for your use: IMG 101 - An overview of the market and the basic information you need to know about travel related medical and trip related insurance products. Web Marketing - We get more positive feedback on this Webinar than any other. GEO Group - (Global Employers Option Group) - This is the workplace product for employers of 2 or more internationally assigned workers. and finally please take time to view the IMG produced consumer video on the need for international medical insurance. For those not yet appointed with IMG please click here for your sales agreement. Your appointment takes only a couple minutes using our online tool. (June 2011) American General has announced significant premium reductions and enhanced their competitive position in the most popular term durations and risk classes. Read the product bulletin by clicking here. Did you know that the American General relationship goes back to the day The Brodsky Agency opened its doors, 9/1/1977 almost 34 years ago? (April 2011) More companies are publishing their annual reports online and Assurity is the most recent. Doing so makes sense environmentally and financially. Click here to access the new Assurity Annual Report website. (April 2011) Guaranteed Universal Life plans continue to grow in popularity. Why? A recent article written by Michael Murphy that appeared in Life Insurance Selling Magazine and reproduced for agent use by American General provides plenty of information why this is so. Click here to view the article. (March 2011) We have learned that IMG will be extending availability of their 2010 rates for many of their short term travel insurance from April 1, 2011 to July 1, 2011. Plans affected are the Patriot and Outreach series including the number one seller: Patriot Travel Medical (Both Group and Individual). Online materials have been updated. (March 2010) The #1 Individual Dental Plan In The Marketplace? We think our Nationwide Multiflex Insured Dental Plan just might be... The plan details, sales materials, personal selling link, rates and much more are now available for your immediate review and download. Click here for all this and more. Multiflex Dental Insurance is a product your clients will like and purchase from you. Here are some highlights for Multiflex Dental Insurance... Excellent pricing with a "budget option" starting under $15/month. This is a plan your clients can afford! Multiple Benefit Plans to appeal to a broad range of needs and ability to pay. The DenteMax network Free personalized online sales capabilities second to none or traditional paper applications. Excellent commissions and incentive trips. How about qualifying to go to Jamaica on individual dental sales? A highly respected insurer with huge name recognition. Why not take the time right now to click on the link, download all your sales materials, get appointed and start selling. (2/2011) Companion Life, one of the nation's best provider of ancilary group products has chosen The Brodsky Agency to represent their products. Companion only has a small number of General Agents nationally and we feel quite honored to now have their product line. Click here to review their product lines. A+ (Superior) rating from A.M. Best Voluntary and Regular Group Products Remarkable incentive trips with reasonable production requirements. The next trip is to Spain Best In Class Service We're quoting now! (January 2011) Did you know that your best small employer groups have an alternate to traditional full insured plan... partial self funding. For select groups down to 15 lives we offer the chance at something better than a Christmas Card from the insurance company (maybe) and a increase letter at renewal time. Why would an employer consider partial self funding... the employer benefits directly from favorable claim experience the employer pays insurance company profit and expense charges only the portion of the cost used to purchase excess loss insurance employers pay less state premium taxes the employer keeps the interest earned on the Claim Fund the employer has the potential for improved cash flow the employer has greater control over plan design the level of risk can be tailored to meet the needs and risk tolerance of the employer the innovative features help make cash flow predictable and help limit risk should the employer terminate the plan Click here for the proposal request form for traditional quotes or click here for an HSA quote request form to include with your census. (January 2011) Ohio National distributed at its recent regional meetings a chart that shows its ratings to be significantly higher today than 10 years ago, relative to the rest of the industry. This chart is can be viewed by clicking here. Please remember that this is for representative use only. Which Product and When... A producer's guide to Ohio National's product portfolio. This is great reference guide to some of the best life insurance products in the industry. Click here to download/view the PDF document. (November 2010) We think we were the first. The Brodsky Agency has provided complimentary wireless service for our producers going back to June 2005. Whenever you visit our office please feel free to take advantage. Our hotspot is waiting for you, 24/7. Our office is in Palatine, IL near routes 53 and 14 (Northwest Hwy). During business hours you are welcome to use a Brodsky Agency desk and have 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. . 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. (November 2010) It's winter and your clients are traveling. Patriot Travel Medical Insurance from International Medical Group is the most popular travel plan measured by the number of sales that we offer. If you are not familiar with Patriot Travel it is a health insurance policy designed to provide short term worldwide medical and travel coverage to all people other than U.S. citizens while residing in the U.S. Do you have a current Brochure and application? If you are contracted with IMG, sign in with your producer ID at the IMG website and download your updated and personalized sales materials. If you are not contacted or prefer a quick look you can click on these following link to get a copy of the brochure. These materials are personalized with The Brodsky Agency information and will show you how your personal sales materials will look. You can get contracted by clicking here and then order your own personalized materials (or we will be happy to order for you). Even though hard copy sales materials are available most applications for international coverage are now completed online. If you would like more information on doing your business on the web, it's simple and we'll show you how.... even if you don't have your own website. (November, 2010) Just released from Assurity regarding their Long Term Care product... "Did you know" Click here to download in PDF format. (November 2010) Where else in the insurance industry can you provide an full immediate death benefit at Standard of Preferred rate classes to clients with the following conditions? CANCER - AFTER ONLY 12 MONTHS - following diagnosis or treatment for internal cancer, leukemia, lymphoma or melanoma HEART CASES - AFTER ONLY 24 MONTHS - following diagnosis or treatment for heart disease, heart attack, heart surgery, coronary by-pass surgery, heart valve replacement, cardiomyopathy and various other conditions. INSULIN DEPENDENT DIABETES - if insulin began at age 40 or older and no insulin shock or diabetic coma MULTIPLE SCLEROSIS, LUPUS, PARKINSON'S, EPILEPSY, SLEEP APNEA, HEMOPHILIA - Questions to determine Preferred or Standard OCCUPATION - We do not ask FOREIGN TRAVEL - We do not ask HAZARDOUS SPORTS OR HOBBIES - We do not ask ages 0-80 and as much as $75,000 Our new product line is amazing... click here to download sales materials and learn more. (October, 2010) Global Medical Insurance from International Medical Group is a popular product for many Brodsky Agency brokers. If you are not familiar with Global Medical it is a health insurance policy designed to provide longer term worldwide medical coverage to all people other than U.S. citizens while residing in the U.S. IMG has published a new Global Medical Brochure and application along with new rates. Please immediately replace your old materials. If you are contracted with IMG, sign in with your producer ID at www.imglobal.com and download your updated and personalized sales materials. If you are not contacted or prefer a quick look you can click on these following links to get a copy of the brochure, rates, and application. These materials are personalized with The Brodsky Agency information and will show you how your personal sales materials will look. You can get contracted by clicking here. Even though hard copy sales materials are available most applications for international coverage are now completed online. If you would like more information on doing your business on the web, it's simple and we'll show you how.... even if you don't have your own website. (August, 2010) IMG has published a new Patriot International Medical Insurance Brochure. Please replace your old brochures. They are now out of date. If you are a contracted IMG producer you should log into the producer area of IMG's website to download a personalized PDF with your own agent information and/or to order other supplies. If you have any difficulty logging in you can get a sample copy of the new brochure through the link that follows below and contact the Brodsky Agency for help in getting personalized materials. If not yet an IMG producer, a Patriot brochure can be viewed here by clicking this link. Brokers not yet contracted with IMG should contact the Brodsky Agency for a sales agreement and personalized forms. Please note that the brochure available from the page's link has The Brodsky Agency information imbedded and if it is used for a sale the producing agent name must be changed. Most IMG business is currently written using the Internet. It's really easy to do. Ask us how if you are not yet using the Web app. (May 2010) On April 20th The Brodsky Agency held a Webinar featuring solutions to disability problems that most professionals fail to recognize. The Webinar presenter was Thomas Petersen, of Petersen International, a company that we have brought to Brodsky Agency brokers since the early 1980s. If you have clients that are in any of the following categories you need to review the Webinar materials. You will be very surprised by the incompleteness of the financial plans for clients... earning $100,000 a year or more working beyond age 60 that own a business with a business loan they are in an occupation that other disability carriers say is uninsurable The following links will lead you to A Summary of the most common Holes and Plugs A summary of Petersen International products A direct sales agreement and A saved video copy of the Webinar for your playback All disability and other Petersen International quotes and materials are available from Kim Norwood or Larry Brodsky. (April 2010) 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) 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) New GUARANTEED ISSUE Limited Medical Plans�up to $1,000,000 Lifetime Maximum Health Essential is a guaranteed issue, medical benefit product for individuals, associations, and groups.� Health Essential is a great solution for the growing number of individuals who cannot qualify for, or afford, traditional health insurance; or employees who do not have employer-sponsored health insurance. Health Essential can also be sold as a gap plan for individuals and groups with high deductible health plans. Some of the key features of Health Essential: 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. Don't miss out on this exciting new product opportunity. To learn more about selling Health Essential click here to download in PDF format a sample brochure. Click here for an application. Click here for a sales agreement. After you return your sales agreement to the agency we will forward your personalized web link. 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) \ 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) 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) Brodsky Agency Site Disclaimer - Please Read! Something is new at brodskyagency.com virtually everyday. The most recent update to this page was on 11/11/2011
About Us \| Producer Center \| Insurance Humor
This document maintained by lbrodsky@brodskyagency.com. Material Copyright © 2011 Lawrence S. Brodsky Agency

Insurance Products and Services your competitors would die for.