Put on Your Cape…

It’s time to look like a hero to your clients, and you don’t even need superpowers to do it. You can simply dash in with a smart answer for filling coverage gaps by offering HM Worksite Advantage Critical Illness as a core benefit with an employee buy-up option. Critical Illness provides coverage in addition to an employee’s health insurance should he or she experience a critical illness or life-changing health event. Benefits are paid directly to the insured and can be used to help replace lost wages and cover bills, meals, childcare travel and any other living expenses. Talk with your HM Worksite Advantage Sales Rep to see how you can be a hero and make your client one too!

Get Paid More by Cross-selling
HM Insurance Group has joined with United Concordia Dental, another Highmark Inc. subsidiary, to offer you more money for your multiple-line sales efforts. You can get paid more just by adding a fully-insured dental product to your HM Worksite Advantage sale. In fact, you can receive an additional $3 per contract bonus (maximum $2,500 per fully-insured group). To take advantage of this incentive program, cases sold must have an effective date between February 1, 2010 and January 31, 2011, so consider this cross-selling opportunity now.  To learn more, contact your representative.

Need a Venue for Your Expert Knowledge?
Join us on LinkedIn and become a part of the discussion on the HM Expert Exchange. This group is for our knowledgeable producers who are interested in discussing industry trends, changes in the marketplace and new ways to meet their clients’ benefits needs. Right now, we’re discussing the most challenging element in making a new Worksite sale at the plan sponsor level. And, we’d like you to link in and weigh in with your opinion.

Fill the Gaps
Let HM be your resource for smart health risk solutions. We know what it takes to bridge gaps for clients, giving them the answers they need to say “yes” to a Worksite sale. If you’d like to bring the HM Worksite Advantage to your clients, contact your HM Worksite Advantage Sales Representative.

Coverage is underwritten by HM Life Insurance Company, Pittsburgh, PA, in all states except New York under policy form series HM308, HM905 or similar. In New York coverage is underwritten by HM Life Insurance Company of New York, New York, NY, under policy form series HL601, HM308, HM407 or similar. The coverage or service requested may not be available in all states and is subject to all applicable state and federal laws.