Information To Help Your Business For Our Producing Partners

• Cross Selling Hospital Indemnity
• The SBS Quoting Tool
• Tracking Your Business
• MA and PDP EApp Resource Guide
• AEP 2022 Agent Checklist
• AHIP Refund Program
• Get 50% Off Your next Lead Drop
• 4 Things To Know About Clients Moving And Their Medicare Supplement Coverage
• Cross Selling Critical Illness Plans – Why, What & How
• Using Direct Mail To Generate Leads: A Beginner’s Guide
• Cross-Selling Guide: Products for Every Client
• Using Your Face – To Increase Client Retention and Engagement
• CRM Spotlight: What We Like and What to Look For
• Meet Our New Business Department
• 6 Reasons Why Having an Email Marketing List is Better…
• Guide to Carrier Pre-Approved Marketing Pieces
• Dental, Vision and Hearing Plans: 8 Word Sales Pitch
• A Proven Script for Rewriting Your Old Book of Business
• Mining Your Book of Business
• 5 Affordable Ways to Market Your Business
• Your Digital Filing Cabinet: Cloud File Storage
• 9 Tips for Safely Reopening Your Office
• Using a CRM to Improve Your Business
• Home Health Care Sales Pitch
• Using eApps for Cross-Selling
• How to Successfully Market Medicare Products Over the Phone

Welcome to the New and Improved Producing Partners Section!

 

Click on the image above or visit srbenefit.com/ProducingPartners/ to browse through all the content created and shared exclusively with our Producing Partners!

Here’s What We’ve Recently Added:

 

• Short Term Care Tips and Tricks
• Critical Illness Marketing Piece
• Medicare Supplement eApp Training
• Cross Selling Hospital Indemnity
• The SBS Quoting Tool

A hospital indemnity plan can help protect your client’s savings from unexpected out-of-pocket costs that their Medicare or Medicare Supplement plan will not cover. If you’re not sure how you clients can utilize a hospital indemnity plan then click on the button below for details.

WHAT IS A HOSPITAL INDEMNITY PLAN?

To see what carriers offer a hospital indemnity product click on the carrier image below for a brief overview of each plan.

 

Continental Life

• CLI Hospital Indemnity State Availability: KS, MN, VT
• CLI Hospital Indemnity Flex State Availability: AL, AR, AZ, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WI, WV, WY,
• Issue ages: 18-89
• Two Benefit Options available*
  • Option 1: Lump Sum Benefit
    • Able to use one time, per period of care, in $250 increments up to $2500
  • Option 2: Daily Benefit
    • Benefit is paid each day of confinement in $10 increments up to $700
    • Benefit periods: 3 – 10 or 20 days
    • Observation stays for less than 24 hours will pay 50%
  • Both benefits reset after 60 continuous days without requested medical care from a hospital or skilled nursing facility.
• Optional Benefit riders*
  • Nursing Facility
    • $10 increments up to $200, and can chose between 1-20, 21-100, or 1-100 days
  • Doctor Office Visit
    • $10 increments up to $60 per visit and 20 visits per year
  • Outpatient Surgical Procedure
    • Available in $250 increments up to $1500 per procedure, once a policy year
  • Hospital Emergency Room Visit or Ambulance Service
    • For a medical emergency $200 per visit or service is provided up to two (2) times per policy year
  • Lump Sum Cancer
    • Benefit will pay a lump sum for first occurrence of cancer, with plans of: $2500, $5000, & $10,000 once per life
  • Outpatient Rehab
    • Will pay for each day of therapies, in plans of 15 or 30 visits per year, and $50 per visit
  • Pre-existing conditions are not  covered for any condition for which the insured has been medically diagnosed, treated by, or sought advice from, or consulted with, a physician during the six (6) months before the coverage effective date.

*plan benefits and riders vary by state

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Vantage Flex 65

• State Availability: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KY, MA, MI, MS, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, WV, WY
• Issue Ages: 18-65
  • After the initial term, your coverage can be renewed until the client is 95 years old.
• Vantage Flex 65 Benefits*
  • Daily Benefit of $100-$1500 a day
    • Choose a benefit period of 1, 5, 10, or 15 days
    • Maximum period of confinements per policy year is two
• Optional benefit riders*
  • Daily Outpatient General Radiology Service
  • Daily Outpatient Major Diagnosis Exam
  • Daily Emergency Care
  • Daily Outpatient Surgical Procedure
  • Daily Durable Medical Equipment Benefit
  • Daily Ambulance Benefit
  • Daily Skilled Nursing Facility Confinement
  • Daily Cancer Diagnosis
  • Daily Observation Unit Confinement Benefit
• 5% household discount

*plan benefits and riders vary by state

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Flexible Choice

• State Availability: AL, AK, AZ, AR, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY
• Issue Ages: 50-85
• Benefit Plans Available
  • Option 1*
    • Hospital confinement
      • Daily benefit of $100-$450 in increments of $25
      • Benefit option of 6 or 10 days
    • Second Opinion Benefit
      • Benefit pays $50
  • Option 2*
    • Hospital confinement
      • Daily benefit of $100-$450 in increments of $25
      • Benefit option of 6 or 10 days
    • Second opinion benefit
      • Benefit pays $50
    • Observation room
      • Benefit pays $100/day for days 20-100
    • Skilled nursing facility
      • Benefit pays $100 for days 21-100
  • Option 3*
    • Hospital confinement
      • Daily benefit of $100-$450 in increments of $25
      • Benefit option of 6 or 10 days
    • Second option benefit
      • Benefit pays $50
    • Observation room
      • Benefit pays $100/day for days 20-100
    • Skilled nursing facility
      • Benefit pays $100 for days 21-100
    • Hospital admission
      • Benefit option amounts: $250, $500, or $750
    • Ambulance transportation
      • Benefit pays a $150 lump sum benefit
    • Emergency room treatment
      • Benefit pays a $50 lump sum benefit
• Additional Riders*
  • Accident fixed indemnity
  • Specified disease
  • Lump sum cancer and recurrence
  • Lump sum heart attack, stroke and restoration
• Renewable for life
• Maximum of four hospital confinements/person/calendar year
• No Coverage on injury or illness that occurred within 12 months of the effective date for the Indemnity plan

*plan benefits and riders vary by state

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Advantage Plus Elite

• State Availability: AL, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
• Issue ages: 40-85
• Guarantee Issue ages 64 ½ to 68 (in most states)
• Two Benefit Options Available
  • Lump Sum Benefit
    • Covers hospital confinement and hospital observation
    • 1-day benefit up to $2500
  • Daily Hospital Benefit
    • Covers hospital confinement and hospital observation
    • Benefit is paid each day of confinement in $10 increments up to $750
    • Benefit periods: 3, 4, 5, 6, 7, 8, 9, 10, or 15 days
    • Benefits restore fully and for an unlimited amount of times after 60 days of no hospital confinement
  • Short Duration Stay Benefit of between 6-24 hours for either observation or confinement
  • Mental Health Benefits
    • Policy will pay $175 per day for up to seven days if client is confined in a hospital for a mental or nervous disorder
  • Emergency Room benefits
    • Benefit will pay $150 if you are treated in an emergency room, emergency care, or urgent care facility due to an accident or injury
• Optional Riders*
  • Skilled Nursing Facility Benefit
  • Ambulance Benefit
  • Outpatient Therapy Benefit
  • Cancer Lump Sum Benefit
  • Outpatient Surgical Benefit
  • Critical Accident Benefit
  • Lump Sum Hospital Benefit
  • Dental and Vision Benefit
• Pre-existing conditions are not covered unless the loss begins more than six (6) months after their effective date of coverage

*plan benefits and riders vary by state

Advantage Plus

• State Availability: AL, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
• Issue ages: 40-85
• Guarantee Issue ages 64 ½ to 65 1/2 (in most states)
• Two Benefit Options Available
  • Lump Sum Benefit
    • Covers hospital confinement and hospital observation
    • 1-day benefit from $1000 – $2500
  • Daily Hospital Benefit
    • Covers hospital confinement and hospital observation
    • Benefit is paid each day of confinement in $10 increments up to $750
    • Benefit periods: 3, 6, 10, or 21 days
    • Benefits restore fully and for an unlimited amount of times after 60 days of no hospital confinement
  • Short Duration Stay Benefit of 12-24 hours is included in 3 and 6 day periods
  • Mental Health Benefits
    • Policy will pay $175 per day for up to seven days if client is confined in a hospital for a mental or nervous disorder
  • Emergency Room benefits
    • Benefit will pay $150 if you are admitted to the hospital within 24 hours following an emergency room visit due to accident or injury
• Optional Riders*
  • Cancer Lump Sum Benefit
  • Critical Accident Benefit
  • Ambulance Benefit
  • Dental and Vision Benefit
  • Skilled Nursing Facility Benefit
  • Short Duration Hospital Stay (for 10 and 21 day benefit)
  • Outpatient Surgical Benefit
• Pre-existing conditions are not covered unless the loss begins more than six (6) months after their effective date of coverage

*plan benefits and riders vary by state

 

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Medico

• State Availability: AL, AR, AZ, CO, FL, GA, IA, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
• Issue Ages: 40-85
• Benefit Options
  • Daily Benefit of $100-$600 in increments of $25
  • Choose periods of 6, 7, 8, 9, 10, 21, or 31 days
• Additional Benefits*
  • Observational Unit Benefit
    • This plan pays 100% of Hospital Confinement Benefit amount per day for a maximum of 6 days, per policy year, while in a hospital observation unit
  • Emergency Room Benefit
    • This benefit pays $150 per day when admitted to the hospital within 24 hours of the injury for a maximum of 4 days per policy year
  • Transportation and Lodging
    • This pays $100 per day, up to 10 days per policy year, when receiving treatment within a medical facility more than 50 miles from the insured’s residence
  • Inpatient Mental Health Benefit
    • This benefit pays $175 per day of confinement in a hospital due to a mental or nervous disorder, covered for up to seven days during the policy year
• Optional riders*
  • Ambulance or Urgent Care Services
  • Cancer Diagnosis
  • Outpatient Surgery
  • Outpatient Therapy and Chiropractic
  • Skilled Nursing Services
  • Lump Sum Cancer
  • Urgent Care Center
• 7% Household Discount

*plan benefits and riders vary by state

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Hospital Secure

• State Availability: AK, AL, AR, AZ, CA, GA, GU, IA, IL, IN, KY, LA, ME, MI, MO, MS, NC, ND, NE, NM, NV, OK, PR, SC, SD, TN, TX, UT, VA, VI, WI, WV, WY
• Issue Ages: 18-64
• Hospital Secure Benefit Options*:
  • Plan A
    • Hospital Confinement Benefit: $1000, $1500, $2000, or $2500
    • Can choose optional riders
  • Plan B
    • Hospital Confinement Benefit: $1000, $1500, $2000, or $2500 per day
    • Outpatient surgical benefit
      • $100 per day
    • Doctor office visit benefit
      • $30 per day
    • Emergency room benefit
      • $100 per day
    • Emergency travel benefit
      • $200 per day when emergency occurs more than 100 miles from the insured person’s residence
    • Can choose optional riders

• Optional Riders*
  • Hospitalization Daily Benefit Rider
    • $100, $200, or $300 per day of confinement
  • Pet Boarding Benefit Rider
    • $30 per day, up to 14 days

This plan is for clients UNDER the age of 65 looking for a cash benefit to help cover their deductible or other out of pocket costs associated with recovery in the hospital.

 

*plan benefits and riders vary by state

 

Medicare Supplements

A Medicare Supplement plan or Medigap Insurance is sold by private companies and helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medicare Supplement plans/Medigap policies also offer coverage for services that Original Medicare doesn’t cover, for example medical care when you travel outside the U.S. If your client has Original Medicare and they buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then their Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

View Medicare Supplement Plans

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Medicare Advantage

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide your client with all of their Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If your client is enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and not under Original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage.

View Medicare Advantage Plans

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Part D/Rx Plans

Medicare offers prescription drug coverage to everyone with Medicare. If your client decides not to join a Medicare Prescription Drug Plan when they are first eligible, and they don’t have other creditable prescription drug coverage, or they don’t get Extra Help, your client will likely pay a late enrollment penalty. To get Medicare drug coverage, your client must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

 

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Critical Illness

Critical Illness insurance is additional medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness such as a Heart Attack, Stroke, or Cancer. A critical illness insurance plan provides a payout to help your client avoid the extra out-of-pocket cost associated with a critical illness so they can focus on their recovery. Although medical insurance and life insurance coverage are essential for your client, traditional medical insurance doesn’t always cover everything, especially the indirect costs of recovery (loss of income, travel costs, child care, etc.). Clients today can experience financial hardship because of the expenses their insurance does not cover and critical illness insurance could be a strong supplement to your client’s health insurance and your portfolio.

View Critical Illness Plans

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Dental, Vision and Hearing

The best way to maintain a healthy and beautiful smile is the path of prevention. Your client will save a fortune over their lifetime by properly brushing, flossing and seeking professional dental cleanings and regular exams. Senior Benefit Services offers a Dental, Vision, and Hearing policy that has made it easy for your client to stay on top of fighting and preventing disease and decay through regular care. With benefits from $1,000, $1,500, to $2000 and no underwriting questions, your client can maintain a healthy and beautiful smile. Plus, keep in mind that most dental policies include a vision and hearing benefit.

View Dental, Vision, Hearing Plans

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Home Health Care Plans

Recovery doesn’t have to be in the nursing home! More clients are choosing to recover from sickness or injury at home with the daily benefits of a Home Health Care plan. Underwriting is typically 2-3 health questions and most clients will be approved. But this plan also has a 2 in 1 benefit. In addition to daily benefits up to 180 days, your client will also have a Prescription Drug benefit that can potentially reimburse their prescriptions up to $300 a year. This includes refills!

View Home Health Care Plans

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Hospital Indemnity Plans

Most primary health insurance plans do not cover all hospital costs. If your Medicare Advantage client is hospitalized, they can be stuck paying the amounts not covered by their primary insurance such as a daily Hospital Co-pay anywhere from $200 – $350 a day, and that can get expensive! A hospital indemnity plan covers that daily hospital co-pay and some of the costs associated with a hospital stay. We offer Hospital Indemnity plans with a daily benefit from $100 – $700 a day for a 3, 6, 10, 21, or 31 day benefit period. Most plans also offer the option of a 1-day lump sum benefit and additional riders to cover more than just your client’s hospital stay.

View Hospital Indemnity Plans

 

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Long Term Care Insurance

Long Term Care insurance is coverage that provides valuable support and financial resources to help your client cover the cost of long term care they might need in the event of an illness, accident, or through the normal effects of aging. By helping your client to protect their assets, and giving them choices and control over where they receive care. You, the broker, have given them piece of mind to face the future.

View Long Term Care Plans

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Short Term Care Insurance

While Long Term Care is beneficial coverage for your client’s future, it’s not always viable. With premiums skyrocketing over the past couple of years, clients have turned to Short Term Care insurance. This offers a daily coverage if your client is confined to a nursing home or skilled nursing facility up to 360 days. If your client already has a Long Term Care plan, make sure to double check their elimination period. What might have seemed affordable to pay out-of-pocket years ago could clear out most savings accounts today. Short Term Care offers daily benefits options from 30, 45, 60, 90, or 180 days, giving your client the ability to cover their Long Term Care elimination period without breaking the bank.

View Short Term Care Plans

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[message_box title=”Active Agents Only” color=”red”]Our final expense and Life products are only available to agents that hold an active health related appointment with Senior Benefit Services and currently have active policies with that health appointment. Any questions please contact Marketing at 800.924.4727[/message_box]

Final Expense Life Insurance

Coping with the grief of death is hard enough without having to worry about burial expenses. That’s why Senior Benefit Services offers Final Expense life insurance policies to help relieve your client’s family of the anxiety of having to pay funeral costs with a fixed death benefit to help their loved ones through a difficult time. Policy benefits are paid to your client’s beneficiary, who may or may not use them to help pay final expenses.

 

Guarantee Issue Final Expense Life Insurance

Senior Benefit Services offers Guaranteed Issue Graded Benefit Whole Life Insurance plans you can use to help your client receive permanent life insurance without having to qualify for coverage based on their health. If your client is between the ages of 40 to 85, they are already approved! The benefits from these guaranteed issue life insurance plans are a helping hand for your client’s loved ones during a difficult time.

 

Senior Term Life Insurance

Unlike whole life insurance, Term Life insurance for seniors covers your client for a specific term or duration. It helps your client’s family handle their needs in the event of a sudden death within a pre-defined term. Keep in mind, that a term life insurance policy will not build equity as whole life insurance does. However, it is always a good idea to offer a term life product along with other life insurance plans. For example, to help cover the existing life of a home mortgage.

Single Premium Whole Life Insurance

The main benefit of Single Premium Whole Life insurance plan is to dramatically increase qualified funds to create an estate that can provide for your client’s survivors or to leave to charity of their choosing. Single Premium Whole Life Insurance is a type of life insurance in which a lump sum of after tax dollars is paid into the policy in return for a death benefit that is guaranteed to remain paid-up until your client passes away. Keep in mind, the size of the death benefit depends on the amount invested, the age, and health of the client when the policy is issued.

 

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Find out more about the products and carriers we offer!

Give us a call (800) 924-4727 or email us Marketing@srbenefit.com

States that Senior Benefit Services Inc. Serves

Alabama	Arizona	Arkansas	California
Colorado	Connecticut	Delaware	Idaho
Florida	Georgia	Iowa	Kansas
Illinois	Indiana	Maine	Maryland
Kentucky	Louisiana	Minnesota	Mississippi
Massachusetts	Michigan	Nebraska	Nevada
Missouri	Montana	New Mexico	New York
New Hampshire	New Jersey	Ohio	Oklahoma
North Carolina	North Dakota	Rhode Island	South Carolina
Oregon	Pennsylvania	Texas	Utah
South Dakota	Tennessee	Washington	West Virginia
Vermont	Virginia	Wisconsin	Wyoming