Innovative Financial Group's President of Life Sales, Don Fransko, welcomes Ameritas' Regional Managing Director, Chad Knies, into the recording studio to discuss the benefits of enhancing health coverage with Dental and Vision Insurance plans.

Maintaining good health is paramount in today's fast-paced world, yet many overlook crucial aspects of their well-being, like dental and vision care. Chad tells us that a surprising "64% of people work for employers that do not offer health benefits," which typically include dental and vision coverage. This gap presents a significant opportunity for individuals and agents to explore standalone dental and vision insurance plans.

Chad tells us that dental and vision health are integral to overall health and that dental issues can lead to serious health problems if left untreated. The same goes for regular vision check-ups, which can detect conditions like glaucoma and diabetes early. Therefore, having dedicated dental and vision insurance ensures comprehensive coverage that general health plans might only partially provide.

Don explains that many people have encountered situations where they need dental care but lack adequate insurance. For instance, "Final expense agents often hear from clients who express the need for dental coverage." This repeated demand highlights the importance of a dental insurance plan covering routine procedures like cleanings and more extensive dental work.

Chad explains that, unlike employer-provided health benefits, "Standalone dental and vision insurance policies offer flexibility and security. If you lose your job or switch employers, you can retain your independently owned policy, ensuring continuous coverage without interruption." Ameritas offers a variety of dental and vision plans that cater to different needs. Chad leads us into what makes these plans stand out:

1. Separate Dental and Vision Plans: Ameritas provides distinct dental and vision care plans, allowing you to choose one or both based on your needs. This separation ensures you get the best coverage tailored to each aspect of your health.

2. Simple Enrollment Process: Enrolling in Ameritas plans is straightforward. Agents can send clients a link and enroll online without needing the agent present. The process is user-friendly, making it easy for anyone to get covered.

3. Competitive Compensation for Agents: Selling Ameritas dental and vision plans can be lucrative for agents. The compensation structure is similar to life insurance, with a nine-month advance and renewal commissions, making it an attractive addition to any agent's portfolio.

4. Extensive Coverage Options: Ameritas offers multiple plans, including PrimeStar® Lite, PrimeStar® Boost, and PrimeStar® Complete. These plans can include covering preventative care such as cleanings or X-rays at 100% in-network (depending on which plan), ensuring essential dental care is accessible and affordable.

Don says, "Agents looking to expand their offerings should consider adding Ameritas dental and vision plans to their portfolio. These plans not only meet a high demand but also provide significant value to clients who need standalone or supplementary coverage."

Dental and vision insurance are essential components of a well-rounded healthcare plan. By offering or enrolling in Ameritas plans, you can ensure comprehensive coverage that addresses all aspects of your client's health. Your clients need to know, "You don't have to wait until there's an urgent need—if you invest in your health today, you can enjoy the peace of mind that comes with knowing you're fully covered." says Don.

Chad would like you to know, "If you're an IFG agent, you can contact Ameritas and add these valuable products to your offerings. As the saying goes, "It's better to have it and not need it than to need it and not have it."

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