Hi, This is Charlie Money with Allstate Benefits, Starnes Osburn and Associates, or Charlie Money Insurance Services.

The point is that the name really doesn’t matter. What does matter is the partnership that we have with you. We have been working in the benefits arena since 2000 when Allstate bought American Heritage Life- now marketed as Allstate Benefits. A lot of you know Rodney Starnes, Don Starnes, Steve Whitbeck or myself due to past business that we have written on your behalf. Bev Osburnwas with American Heritage before the buyout and has been in the benefit world for over 25 years working in the IA channel.

With the new bonus structure, We can help you achieve 6 of the 7 available bonuses. By getting 70% Production Credit on any case that we write on your behalf. For example -you have a 20 person company – 10 of them purchase a minimum of $600 per year premium. That gives you $6000 premium and $4200 PC. We can get auto leads for you- of that same 10 employees that we enroll you will get an opportunity to quote about 80% or 8 warm auto leads.Plus you will get 1 IPS. You get a 3 for 1 proposition.

We know that you spend a lot of time energy and money to get your home and auto business. Life insurance is a necessary evil of the business model. Let us help you and your EFS accomplish your goals. By partnering with us and your EFS you can win bonus, trips, recognition, commission.

I ask that you make part of your process-Ever hear that word??? When filling out your home or auto quote there is the question- Employment_____? Start expecting you and your staff to ask—Where do you work? What do you do there? It really doesn’t take that much time. By having this info and going into E-agent you have a wealth of knowledge that can help get you some really great cases.

I will be sending out a monthly newsletter with marketing tips, changes in the industry, ways that we can benefit you. I would like for you to respond to this at charliemoneyins@gmail.com and let me know if the info is helpful or if there is something that you would like to know more about.

First Information:

What is supplemental insurance- Most people really don’t grasp the concept at first. IT IS NOT HEALTH INSURANCE— Health insurance pays the Doctor and hospital after your co-pays, deductibles, out-of-pocket expenses. Supplemental insurance is designed to pay you (the Customer) should you have an occurrence that is the covered occurrence. ie: Accident, Cancer, Heart Attack, Stroke etc. Our products are in that category. We provide for the policies named above plus-Life- 20yr term, Universal Life, term to 100 and hospital (Shop), Disability. With groups of 5 or more we can also offer dental and vision. We can offer Group voluntary life- GAP coverage for their health plan,We can provide coverage on a group basis only- 2households-3 policies is the minimum size. We can do 1 person if they have a qualifying commercial policy with the agency. Our best prices and coverages can come with 5 of each product offered and met participation is at least 5 policies in each category- We can customize to meet the groups needs and will not be beat on price. We pride ourselves on meeting NEEDS- NOT PRICE! However again prices can be assigned with coverage.

It can all start by having everyone ask- Where do you work? And What do you do there?

I can provide some training for your staff to review with them some tips but as always it is up to you to follow up and make it a part of your process.