Just Ask in 2024

Lucas Zerbe

Ancillary Products are the key to protecting your clients from physical and financial disasters. These products pay excellent commissions to the writing agent. So why do agents sell so few of these products?

  • Florida Blue Dental 
  • Usable Accident, Critical Illness and Hospital
  • Allstate Health Solution Dental, Accident, Senior Indemnity Protection 
  • Life Insurance with Living Benefits

We do not Ask?

What will ask to do? Let’s look at the Facts!

  • In 2023, 53% of people who bought ACA plans through the Marketplace thought it included Dental insurance.
  • United Health Care Survey done in 2021 shows 82% of hospital admissions for people under 65 were from accidents.
  • When deciding between a Medicare Advantage Plan and a Medicare Supplement, Seniors’ #1 worry was “Hospital Stay Co-pays.” The average Hospital Admission Charge with a Medicare Advantage plan in 2022 was $1462.
  • 62% of US Bankruptcies are due to a “Critical or Chronic Illness”. However, 72% of these people had medical insurance. The bankruptcies are caused by loss of income, not because of medical bills.

So, we have products that can help assist our customers in everyday situations. Instead of deciding our customers “Cannot afford them,” let’s ask in 2024! 

Adding Ancillary Helps Both the customer and the agent:

  • Selling a Florida Blue Dental and Usable Accident to an ACA customer will Double your commission.
  • AHS Senior Indemnity pays a 12-month commission between $180 and $240 per person. You can also follow up with these customers during AEP to switch them to Florida Blue Medicare. That is two sales in one.
  • The average monthly premium for a life insurance sale is $92 per month. At the Agent level, that is a commission of $828.

So, by taking the time to “Just Ask” your prospects and customers in 2024, you can help protect your clients far better and increase your Income. Hopefully, you adopt this simple 2-word strategy in 2024.

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