USABLE is the Perfect Fit for your ACA Clients

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.

The correct question you should always consider as a trusted advisor is this: Can my customer afford not to have this protection? These clients cannot afford to be out of work for a month, but they can easily afford 30 dollars a month or a dollar a day. It is important that we do not assume what a person can afford but instead make our recommendation based on what we know to be a person’s needs.

Take a moment and put yourself in the shoes of your clients:

Example:40-year-old Mechanic/34-year-old Secretary
(Husband–21k/Wife11k) Two Children: Son 8 and Daughter 7
The parents were doing some painting over the weekend and John falls off the ladder breaking his arm and 2 ribs. The Doctor tells him he cannot work for 3 to 4 weeks. Within most families this would cause immediate panic.

  • How will we pay the rent next month?
  • Will we have enough for groceries?
  • Can we pay our car insurance?

This family – like most families – works to budget their money carefully so they will be able to pay all their bills each month. If one cannot work this can cause a huge financial crisis. I guarantee if you went to them now and asked if they wanted an accident plan from USABLE that in this case would pay them out almost 4k and the plan will cost you only a dollar a day they might knock you over trying to sign up.

Instead of trying to save a family 30 dollars a month picture the good the policy will provide for this same family if they ever have an accident and cannot work and/or incur large non-covered expenses.

Even if you do establish the great value and benefits of these products – some may still fight you on incurring any cost at all. 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 stop for coffee in the morning?
  • Do you buy lunch at work or bring it from home?

These small changes will save your prospect $14.00 per day. They can now easily pay for the protection their family needs. If you have established value in the protection giving up buying lunch will seem like a small sacrifice. USABLE is key for your client but also you as an agent. In the ACA world we know we will not see any huge commission increases. So, it becomes important to optimize each sales opportunity by including ancillary products. Simply by adding USABLE Accident and Critical Illness to each sale you will DOUBLE your commission AND provide these vulnerable clients with affordable and valuable protection!

Rather than doubling your actual ACA sales – simply 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

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

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...

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...

The SMART Way

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...

Call For a Free Quote