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Customize the copy.•Update your agent/agency information on the title slide and on the final slide, fill in the association information on slide 4.

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add value to membershipprovide an insurance benefits program

Representative NameAgency Name

association information

• (Association name)

• Serves (specific occupation) in (geographical area)

• Mission is to ( )

• [XXX] members

• Currently, (Association Name) does not offer a life insurance program, a long-term DI insurance plan, or a retirement plan for its members

agenda

• What benefits can you provide?

• How the members benefit

• How the association benefits

• Next steps

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American Journal of Medicine, 2009

life insurance

• Life insurance is critical to help make sure your member’s family wouldn’t have to make major changes because of a premature death

• If your member is a business owner, life insurance may be able to help them enhance or protect the business they’ve worked so hard to create

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life insurance

Life insurance proceeds can:

• Pay for funeral costs

• Help pay the bills and meet ongoing living expenses

• Pay off outstanding debt, including credit cards and the mortgage

• Continue a family business

• Finance future needs like a child’s education

• Protect a spouse’s retirement plans

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life insurance

• 80% of Americans say that life insurance is something most people need1

• Only 44% own an individually purchased policy2

1Life Happens and LIMRA Insurance Barometer Study, 2014

2LIMRA Household Trends in U.S. Life Insurance Ownership, 2014

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disability income insurance8

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• Medical problems contributed to 62% of all personal bankruptcies1

• Medical problems contributed to half of all home foreclosure filings2

1The American Journal of Medicine, June 4, 2009 Medical Bankruptcy in the United States, 2007: Results of a National Study; David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH

2Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures; Christopher Tarver Robertson, Richard Egelhof, & Michael Hoke; August 8, 2008

disability income insurance9

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Chances Out of 1,000 that at Least One Long-Term (90-day) Disability Will Occur Before Age 65

GenRe Disability Fact Book, seventh edition, 2013

disability income insurance10

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How long do wage earners estimate they can continue to pay bills if they lose their income?

The Disability Divide, CDA 2010 Consumer Disability Awareness Study

1 year or more

Less than 1 month1 to 3 months

3 months to 1 year

retirement plans

Sources of retirement income:

• Social Security

• Pension/Retirement Plan

• Employment

• Interest and Dividends

• Annuities

• Savings

“The Retirement Income Source Book,” LIMRA, 2011

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retirement plans

• Nearly 45% of Americans ages 36 - 55 years old are not expected to have enough money to cover basic living expenses like food, utilities and health care through retirement.

• Retirees in the US, on average, expect their savings to last only 14 years.2

12012 Retirement Confidence Survey, Employee Benefit Research Institute.

2http://www.hsbc.com/retirement

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retirement plans

A retirement savings plan is essential for small business owners:

•Provides a way for owners and their employees to save for retirement

•Can be a valuable tool to recruit and retain employees

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insurance benefits program14

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• Quality products

• Highly rated company

• Professionally trained representative

• Meaningful discounts

o Life insurance: waiver of total premium charge*

o Disability income insurance: 15% discount

o Retirement plans: plans and discounts will be tailored to your needs

*The Premium Charge is a percentage of each premium that we charge and varies by policy form. Our representative can provide you with an illustration showing the discounted premium.

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insurance benefits program15

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• Stable, reliable company

• Continuous review of products, policies and procedures

• Well versed about our competition

• Strong products with competitive premiums

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insurance benefits program16

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Standard & Poor’s

• A+ (Strong) for insurer financial strength

• This is the fifth highest of Standard & Poor’s 21 ratings

A.M. Best Company

• A (Excellent) for financial strength and operating performance

• This is the third highest of A.M. Best’s 15 ratings

association benefits

Association gets the credit:

• All marketing literature is customized with association name and logo

• Initial announcement comes from the association leadership

• Marketing plan is constructed with your input and approval – to make sure it meets your needs

• Ongoing exposure: mailings to members, ads in the newspaper and other publications, representation at meetings, etc.

association benefits

Retention

• Better ability to recruit and retain members

• The message to the existing membership is a strong one: the association is always seeking ways to add value to members and to attract new members

association benefits

No expenses

• No bookkeeping expense since members are billed directly by Ameritas Life

• Advertising and marketing expenses are the responsibility of the agent and the insurance company

next steps

• Define product offerings

• Sign letter of endorsement

• Develop one-year marketing plan

• Send out announcement to members

• Provide association logo to agent

We take care of the rest!

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Representative Name

Agency Name

Phone

Email

(Agency name) is not an affiliate of Ameritas.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, Acacia Life Insurance Company, The Union Central Life Insurance Company and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp and Acacia Life Insurance Company are not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. 

Ameritas® is a registered service mark of Ameritas Life Insurance Corp.

© 2014 Ameritas Mutual Holding Company, 5900 O Street, Lincoln, NE 68510