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This page is for the sole use of Murray Insurance Agents and all information herein is proprietary and may not be used without the written permission of a director of Murray Insurance Agency.

Ancillary Products

TOP 5 THINGS YOU NEED TO KNOW ABOUT FLORIDA COMBINED LIFE

  • We have the State’s #1 (Copayment) and #2 (Choice) plans in the STATE based on NETWORK and effective BENEFITS!
  • Most competitors have a 12 month wait for major services, we offer 6!!
  • Benefit Summary available to email clients info before they buy
  • ONLY 4% of clients ever reach the OPMAX! They can have 2 cleanings, a filling, and a root canal and still have money roll over to next year. (Calculated: Market Rate – Contracted Rate= Claim Paid – that’s the figure used for OPMAX).
  • Prepaid HMO: No waiting period, no deductible, no dollar limit, no claim forms, no exclusions for pre-existing. Narrow network (online).

Quick Reference for BlueDental Plans:

Choice QF Flyer

BlueDental Copayment QF Plan

PPO Dental Plans Flyer

BlueDental Care FI315 Plan Benefit Summary

BlueDental Care Individual Plan FI315 – Pre-Enrollment & After Enrollment

BlueDental Choice PPO Plans Florida Combined Life Insurance Company – Service Contacts for Individuals

Dental New Agent Guide

2022 Dental ID Letter


Accident

TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble ACCIDENT PLAN

  • Main Subscriber must be ages 19-64 at time of enrollment
    • Cannot enroll after 65th birthday or prior to 19th birthday. (Primary cannot enroll after 65th birthday with minor dependent either)
    • Must be age 19 to be primary subscribe
  • 30% commission of first annual premium
  • Wellness visit benefit
  • 1st and 15th effective dates
  • Has workplace knockout questions

Quick Reference for USAble Accident Plan:

USAble Life – Accident Brochure English

USAble Life – Folleto de Accidente de Vida en Español


Critical Illness

TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble CRITICAL ILLNESS PLAN

  • Immediate underwriting – 30 seconds to 1 minute processing
  • Plan pricing almost doubles after age 59, best to have approaching age 60 enroll prior to birthday.
  • Enrollees must be Ages 19-64
  • Pre-existing clause, 12 month look back. Including pregnancy. Husband can be primary holder with baby filing claim. For hospital stay at birth.
  • 30% commission of first year annual premium

Quick Reference for USAble Critical Plan:

USAble Life – Critical Illness Brochure English

USAble Life – Folleto de Enfermedades Graves en Español


Hospital Confinement

TOP 5 THINGS YOU NEED TO KNOW ABOUT USAble HOSPITAL CONFINEMENT PLAN

  • Immediate underwriting – 30 seconds to 1 minute processing
  • Plan pricing almost doubles after age 59, best to have approaching age 60 enroll prior to birthday.
  • Enrollees must be Ages 19-64
  • Pre-existing clause, 12 month look back. Including pregnancy. Husband can be primary holder with baby filing claim. For hospital stay at birth.
  • 30% commission of first year annual premium

Quick Reference for USAble Hospital Confinement Plan:

USAble Life – Hospital Brochure English

USAble Life – Folleto de Estadias en el Hospital en Español


Vision

TOP 3 THINGS YOU NEED TO KNOW ABOUT VISION PLAN 

  • Enroll on VSP site, not Florida Blue.
  • No child only policies
  • Agent can email benefit structure, Q and As, and member card – keep on desktop for easy access

Ancillary Training Videos

Quick Reference for Ancillary Products

FCL – USAble Deck (update)

FCL Presentation