Critical Illness Insurance
Your Opportunity With Critical Illness
Critical illness—because health insurance isn’t enough anymore.
The Critical Illness insurance market has already exploded internationally and is now rapidly emerging in the U.S., bringing opportunity to those who recognize it.
The need has never been greater
Consumers today are shouldering a larger financial share of their health care expenditures than ever before. Because of advances in medical technology, people in greater numbers are living longer and surviving critical illness events. These medical advancements do come at a heavy financial cost that consumers can no longer afford. So serious is this financial pain that nearly 50% of bankruptcies in the US have been linked to excess medical expenses even though 79% of these people own some form of health insurance.
With health care reform looming, higher deductibles becoming the norm and more people looking for alternative treatments there is a tremendous demand for supplemental health benefits creating new sales opportunity for agents.
Speedy Underwriting – Crucial To Your Income
With multiple product configurations, and quick underwriting turnaround, agents are able to get paid for CI sales on a weekly basis and turn cases around much faster than with other lines of business. This, combined with the exceptionally high issue rate, gives you the fastest path to building your income.
CRITICAL CARE – A Product Designed by Agents for Agents
While CI products range from covering one condition to several and from as little as $5k to $500k, AIM has developed a new product combining basic critical illness with some important enhancements. In response to agent feedback, AIM added:
- Monthly cash benefits
- Benefit restoration
- Increased coverage for care received in a facility
- No reduction in benefits for people over age 65.
- Benefits are triggered by a diagnosis of Cancer, Heart Disease, Stroke, Alzheimer’s disease and more.
An innovative alternative to Long Term Care Insurance
Traditional LTCi is simply not a solution available to enough people.
- An alternative for many of your LTCi declines means providing solutions to more clients.
- The product is easy to understand and explain.