Why selling USAble & Florida Blue Dental to all your potential and current clients is a MUST

Lucas Zerbe

Many ACA customers live ‘paycheck to paycheck,’ which is 80% of Americans. However, this does not mean they cannot afford anything. It means they budget their money in a weekly manner. We mustn’t assume what a person can afford but instead make our recommendation based on what we know to be a person’s needs.

The right question you should always consider as a trusted advisor is: Can your client afford to be out of work for a month? But in return, can they afford $1 a day, which is $30 monthly?

Like most families, they work to budget their money carefully so they can pay all their bills each month; if one cannot work, this can cause a massive financial crisis. I guarantee if you went to a potential client or client right now and asked them if they wanted an accident plan from USAble, that could potentially pay them out almost 4k, and the plan would only cost them a dollar a day; they might knock you over trying to sign up.

As the agent, instead of saving a family $30 a month, picture the good the policy will provide for their family if they ever have an accident and cannot work and incur significant non-covered expenses. Even if you establish the great value and benefits of these products, some may still fight you on incurring any cost. If you come across this type of situation, sometimes using some simple comparisons to money already spent each month can help, such as:

  • Do you buy coffee in the morning or afternoon?
  • Do you go to the movies each month?

Show the client an example where they could cut a non-essential expense, and by adding in the $1 a day protection for their family, they can now easily pay for the protection their family needs. Bills can add up fast from a severe head injury to a not-as-serious sprain. 

On top of it all, during the Summer, kids attend Summer Camp, or during the school year, many enroll in sports or after-school activities. Kids are hard at play, from bike rides with friends to organized sports which means accidents and injuries will happen. Approximately every year, 3.5 million children ages 14 and younger are hurt playing sports or participating in recreational activities, and more than 775,000 are treated in hospital emergency rooms for sports-related injuries. 

If your customers have children, especially children participating in sports, USAble Life Accident insurance is a must-have plan — providing peace of mind and financial security. Here is another selling point to bring up to your client.

Lastly, Dental can be expensive, especially with Root Cancels, Dentures, and Implants. BlueDental Choice Copayment and Choice PPO Dental Networks lead the industry as #1 and #2 in effective discounts in Florida* providing more access to quality care and opportunities to save more money!

USAble is vital for your client and you, as an agent adding in that extra coverage. We know we will not see any huge commission increases in the ACA world. So, it becomes important to optimize each sales opportunity by including ancillary products. Adding USAble Accident and Critical Illness to each sale will DOUBLE your commission AND provide these vulnerable clients with affordable and valuable protection!

Rather than doubling your ACA sales – include USAble on each sale. Make today the first day of creating a new sales habit, including USAble Ancillary with every quote!

More Blog Posts

Maximize your Opportunities

Agents are always looking for opportunities to increase their income. Often the solutions are right in front of us and because of that we miss them all together. The hardest part of our job is finding a prospect! Once we make a sale so many believe that the...

Medicare Update

As OEP came to an end, I want to take a moment to thank each and every one of you for your hard work over the past 6 months!  I know how busy these times can be while also maintaining a work life balance, and we thank you for helping us drive our mission at FB...


Statistically, death is 100%. That’s no Joke.  Funerals could cost upwards of $20,000. That does not even include transportation. So, if anyone dies out of state, the average cost of transportation is $10,000, and the country’s average cost is $20,000. Add that to the...

Are You Marketing?

I read once a long time ago that you only get one chance to make a good impression. There is a lot of truth in that statement. Just think about the first time you met your significant other. You had your best smile on, and hopefully best dressed while at the same time...

Our Business is the Best – We Help People – STOP Selling on Price over Needs

When I formed Compass Health in 2007 – one of the core tenants was to select the Best Companies & Products to the individual under age 65 market.  Of course – since then – we have broadened the markets we serve to include the Senior and Specialty markets (Smart...

Marketing Technology of the Future Today

Business cards have been a stable in marketing since they were first used in China in the 15th Century. Back then they were called “Visiting Cards” and they were used by the Noble and Wealthy families as a promotion tool or to show they had stopped for a visit. In...

Democratic senators ask Biden administration to limit “junk health plans” that are not ACA-compliant

"Junk plans are leaving Americans with these tremendously expensive bills," says Xavier Becerra, secretary of Health and Human Services.By Alan GoforthAffordable Healthcare Ahead.Jim Vallee/Adobe Stock More than two dozen Democratic senators this week asked the Biden...

Meet Steve Ramsey our New Group Sales Director

I am pleased to introduce myself to the Compass Health Agent Team and look forward to meeting and working with everyone. Our President, Bruce Henry, asked me to write a brief Bio so you all understand my background.I was born and raised in Kentucky and now live in...

New Possibilities

So many people make New Year's resolutions to only found out later that they did not accomplish their New Year Goal. Our Society has basically brainwashed people into thinking that somehow magically you will lose weight, make more sales, buy a bigger house take that...

Three Ways to Kick of 2023 with Life with Living Benefits Sales

The new year is here and with that comes New Year’s resolutions and goals. Many agents want to sell Life Insurance. When I hear this, I always say the same thing “Great idea but how do you plan to make that happen?”. I ask this because setting Goals is a great habit...

Call For a Free Quote