Founded over 50 years ago as an insurance agency focused on meeting the insurance needs of financial institution customers, IAC has grown through the years by remaining “Focused on what matters most.” Today, we operate in 43 states and throughout a number of Pacific island nations and territories. IAC makes life, health, and accident insurance products available to individuals and groups. We maintain a “B+ (Good)” rating from A.M. Best Company, with a stable outlook. For Agent Use Only. Not Intended For Public Use.
IAC Medicare Supplement Availability IAC vs. Competitors House-hold discount Submitting New Business IAC Contact Information For Agent Use Only. Not Intended For Public Use.
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$112.71 Proposed IAC Heartland National $113.77 5/14/2014 Oxford Life $114.80 11/20/2013 Mutual of Omaha $118.90 7/07/2014 $122.63 5/01/2014 American Retirement Life Central States $130.42 2/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$115.30 Proposed IAC Central States $119.33 2/01/2013 American Retirement Life $119.58 7/12/2013 Oxford Life $124.10 1/01/2011 Medico $125.28 11/01/2013 Combined $128.60 6/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$155.46 Proposed IAC Stonebridge Life $159.76 6/17/2013 Manhattan Life $161.08 8/14/2013 Combined $161.77 5/01/2013 United Of Omaha $163.59 5/01/2014 United Healthcare $176.79 1/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$112.71 Proposed IAC Humana Dental $116.63 1/01/2014 Central States $120.25 2/01/2014 Mutual of Omaha $120.43 10/12/2013 Oxford Life $122.00 5/01/2013 American Continental $122.87 7/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$123.07 Proposed IAC Aetna Health & Life $127.03 5/01/2014 Humana Dental $128.52 2/01/2014 Combined $129.10 7/01/2013 $134.87 5/01/2014 American Retirement Life Central States $135.75 1/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$108.52 Proposed IAC Heartland National Life $108.66 7/07/2014 American Retirement Life $110.46 2/25/2013 Manhattan Life $111.33 9/05/2013 Central States $115.42 2/01/2013 Aetna Health & Life $118.87 11/23/2013 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$110.12 10/01/2014 IAC Manhattan Life $113.25 7/05/2013 Stonebridge Life $116.46 6/17/2013 Oxford Life $117.30 10/01/2013 Central States $121.67 4/01/2014 $122.63 5/18/2014 American Retirement Life * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$112.71 Proposed IAC Manhattan Life $113.33 7/22/2013 Oxford Life $114.40 1/01/2013 Combined $118.23 5/01/2014 Central States $120.08 2/01/2014 American Continental $124.95 6/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$111.41 Proposed IAC Continental Life $119.04 4/01/2013 Manhattan Life $120.67 10/17/2013 Humana Dental $121.65 4/01/2014 Central States $121.83 2/01/2013 $122.63 5/21/2014 American Retirement Life * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
$111.41 Proposed IAC $112.28 2/20/2013 American Retirement Life Manhattan Life $112.67 8/22/2013 Omaha Insurance Co. $117.27 6/01/2014 Combined $118.64 3/01/2013 Central States $123.25 2/01/2014 * Rates based on plan F, Female, age 67, non-smoker in lowest area factor. Also includes House-hold discount. * Only one person needs to apply in order to receive discount. For Agent Use Only. Not Intended For Public Use.
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Page 4 of application For Agent Use Only. Not Intended For Public Use.
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Part 9 — Medical Questions Underwriting For Diabetics: Unless an application is completed during open enrollment or a guaranteed issue period, all health questions, including the question regarding prescription medications, must be answered. Our general underwriting philosophy is to deny Medicare supplement coverage if any of the health questions are answered “Yes”. For a list of uninsurable conditions and the related medications associated with these conditions, please refer to the next two sections in this guide. There may, however, be situations where an applicant has been receiving medical treatment or taking prescription medication for a long-standing and controlled health condition. A condition is considered to be controlled if there have been no changes in treatment or medications for at least two years. If this situation exists and you would like consideration to be given to the application, answer the appropriate question “Yes,” and attach an explanation stating how long the condition has existed and how it is being controlled. Be sure to include the names and dosages of all prescription medications. For Agent Use Only. Not Intended For Public Use.
Part 9 — Medical Questions Cont. Underwriting For Diabetics: If you have questions about the interpretation of health questions 6 & 7, addressing diabetes, on the application, please see the information below. People with diabetes that has ever required more than 50 units of insulin daily are not eligible for coverage. People with diabetes (diet controlled, insulin dependent or treated with oral medications) who also have one or more of the complicating conditions listed in question 6 on the application, are not eligible for coverage. Some additional questions to ask your client to determine if he/ she does have a complication include: 1. Does he/she have eye/vision problems? 2. Does he/she have numbness or tingling in the toes or feet? 3. Does he/she have problems with circulation? Pain in the legs? Consideration for coverage may be given to those persons with well-controlled cases of hypertension and diabetes. A case is considered to be well controlled if the person is taking no more than two oral medications for diabetes and no more than two medications for hypertension. A combination of one insulin and one oral medication would be the same as two oral medications. To verify stability, there should be no changes in the dosages or medications for at least two years. Individual consideration will be given where deemed appropriate. We consider hypertension to be stable if recent average blood pressure readings are 150/85 or lower. For Agent Use Only. Not Intended For Public Use.
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Face to Face Call Center Setting Telephonic or Paper App accepted Telephonic App accepted For Agent Use Only. Not Intended For Public Use.
Benefits of the Tele-phonic application process: • Immediate results of sale • Timesaver for your client • Possibly less travel time for you • Commissions paid quicker • Less mistakes on application For Agent Use Only. Not Intended For Public Use.
Telephonic App • Make the Sale BEFORE you call • Can your client hear on the phone? • Prepare Your Client (have the following information ready: Social Security Number Medicare Number The Replacement Form: Banking Information Fax: 385-207-7882 Replacement Information Bank Draft Date Medications Doctor’s Information Important Statements to be Read and Signed by the Applicant Do not Do ot Coa oach ch yo your r cl client! ent! For Agent Use Only. Not Intended For Public Use.
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