Frequently Asked Questions – Specified Disease Rider
Policyholder Experience Does the insured present a different ID card for the Specified Disease Rider? No. The insured will continue to use their Affordable Choice (AFC) ID card. No separate Rider card will be issued. Are benefits linked to the First Health PPO network discounts? Yes. Members are encouraged to use First Health PPO providers for additional savings, though it’s not required. Is there a separate commission structure for the Rider? There are no additional commissions when adding the Specified Disease Rider. However, since the Rider increases premium, agents will see larger commissions and renewals. Is the Rider required with Affordable Choice? No. The Rider is optional — applicants can choose whether to include it. Real-Life Scenarios Scenario 1: Adding Rider After Policy Issuance Agent Sarah helps a client who already has an Affordable Choice policy but now wants to add the Specified Disease Rider for extra protection. Sarah explains that the Rider can be added anytime post-approval, but it requires underwriting. She guides the client through submitting through 2.0 or a paper application and During a client meeting, Agent James walks a customer through the different deductible levels ($25k to $100k) and the calendar year and lifetime maximums associated with the Specified Disease Rider. The client wants to understand the financial limits before deciding on the rider. James also points them to the brochure listing covered conditions. Scenario 3: Addressing Eligibility Concerns clarifies that the base policy remains active if the Rider is declined. Scenario 2: Explaining Deductibles and Maximums Agent Maria receives an application from a client who has a recent history of coronary bypass surgery. She refers to underwriting guidelines and explains that the client is uninsurable for the Rider due to their surgery history. Maria suggests focusing on base Affordable Choice coverage while keeping the Rider optional for future consideration.
Underwritten by: ManhattanLife Insurance and Annuity Company 10777 Northwest Freeway, Houston, TX 77092
AFC-SDR-FAQ_1125
Made with FlippingBook - professional solution for displaying marketing and sales documents online