The insurance industry continues to seek out and test new marketing and delivery systems. If you are like many agents, you are probably looking for a way to improve your commissions. A great solution is to consider payroll deduction products, or Worksite Marketing as it is now called.
With the use of these programs employers are now able to give life long benefits to their employees without adding additional cost to their overhead. We help take employers “off the hook”, and help control their employee benefits cost while saving their employees money. Employees are interested in having enough money to live on at retirement. They are interested in what happens to their families if they die or become disabled, and in how to pay the medical and non-medical expenses associated with a disease or accident. We are able to show you how to change that interest the employees show into concern for themselves and their families. Employees appreciate the concern that is shown to them for their well-being, and in return this creates a happier work force for the employer.
Our worksite department is in position to be a part of your marketing team. Over the last several years, we have had great success in assisting agents in identifying potential and existing clients in this lucrative market. American Insurnet has been able to secure national marketing contracts with a wide variety of carriers. This enables us to bring the best solution to you for each case, and not force you into the “square peg in the round hole” syndrome. We have extensive experience in taking agents who have no worksite experience and making them into competent specialists in this arena. With our own marketing and enrollment teams, we can provide a complete “turnkey operation”, handling everything for you, or a hands off approach with just bringing you the products. In all areas we can give you complete training.
For a quote or more information please call: (800)333-4638.
Disability
One of the most important types of coverage offered in the workplace is Disability coverage, also known as “Paycheck Insurance”. It is important that employees be prepared in the case that they suffer from an accident or illness that prohibits them from working. Disability insurance is designed to provide income replacement when an employee is unable to perform their duties at work and during any recovery period.
We work with industry leading carriers to provide both group and individual Disability plans that best fit the employer and employee needs. Product choices include Preferential underwriting based on participation and portability to provide coverage should an employee leave the employer.
Life
The worksite has become one of the easiest and most common place to acquire Life insurance. Employees can affordably purchase coverage to make sure that their family is protected in the result of death.
American Insurnet offers traditional Term, Universal, Critical and Whole Life products that will suit your client’s specific needs. We work with the top worksite Life carriers in the industry to give you the best options for your clients.
Long Term Care
Long Term Care Insurance is one of the fastest growing worksite offerings. For more than a decade, our staff has been a proponent of LTC marketing. We offer our agents the widest array of carriers, including the market leaders and the market makers. Combined with our expertise in product evaluation, our LTC staff will help in a number of ways not normally associated with a “brokerage house”.
All of our services make American Insurnet your one stop backroom for LTC. Let us assist you in this dynamic market.
Critical Illness
Worksite Critical Illness is designed to provide assistance to those sticken by a catastrophic illness such as Cancer, Heart Attack, Stroke, Organ Transplants and more. CI insurance is used to provide funds to help offset high deductibles, out-of-pocket expenses and everyday living expenses during treatment and recovery.
We work with a variety of carriers that will allow you and your clients to tailor a plan that best fits their needs. These plans can be lump sum or schedule of benefit plans that include wellness benefits that allow the employee to use the policy now.
Annuities
The annuity and pension planning area has been and continues to be a major strength of our company. In planning for retirement, and throughout the retirement years, the perfect plan is important. Our staff is knowledgeable in this planning line to help you, as the agent, to bypass all of the company “sizzle” words and gimmicks. Let our specialists assist you in selecting the best plan for your client.
We offer our brokers some of the top rated annuity carriers in the business today. In fact, our philosophy is to offer only those carriers who we believe are financially strong and offer your client the security of substantial size and competitive products.
Through our association with some of the largest national wholesalers of annuities we are able to pass through excellent commissions on our products. You don’t take a cut on compensation to work with American Insurnet.
If you need additional assistance, please call: (800) 333-4638.
| SPDA’s: |
Single or multiple interest rate guarantees with or without bonuses. |
| FPDA’s: |
Payroll deduction, IRA’s, ROTH’s starting as low as $25/month. |
| SPIA’s: |
High pay-out interest rates. |
| Structured Settlements: |
For lawsuits, trusts, special needs children’s plan. |
| Equity Indexed Annuities: |
S&P 500, D/J, Russell 2000 Index products. |
Cancer
American Insurnet represents numerous carriers in the traditional Cancer plan line of products. We represent both group and individual plans along with lump sum and schedule of benefit plans. These plans provide financial assistance in the time of need when diagnosed with Cancer.
Mini Med & Limited Medical Benefit Plans
Mini Med and Limited Medical Plans have become more in demand with the rising cost of health care. Employers are looking for ways to control expenses and eliminate overhead without taking their employees’ benefits away. Mini and Limited Medical Plans are reduced benefit plans that still give employees basic coverage in case of a medical emergency. These plans are also perfect for part time employees.
