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It is important to note that not all products are available throughout The Brodsky Agency's entire marketing area, please check with us about your state. None of the information located in this website is intended for consumers. The content of this site is meant for licensed insurance producers only.

Insurance Products and Services your competitors would die for.

Documents not for consumer use, will begin to be converted to password protected PDFs. If you do not have your password to open the document please e-mail salessupport@brodskyagency.com or phone.

What in the world is birthday insurance? Whatever you think it is your probably wrong. Birthday Insurance is something new that has been successful in capturing the imagination of our agents. If you know someone that attended our November, 2007 product introductory meeting at the Twin Lakes - Palatine, just ask them.  

We want all our producers to be familiar with this plan.  There is a short consumer video designed to do all the selling for you.  We recommend that you watch it. You'll know by watching the video if you would like more information.  Just click here (if you have a fast connection) to view or ask us for a DVD.  After watching the video simply request the link to download all the sales and appointment materials.  (Nov 07)

American General has introduced its newest innovation: A first of its kind term life product AIG Select-a-Term. In addition to the traditional 10,15,20 and 30 year periods your clients have 14 additional periods. They are 12,16,17,18,19,21,22,23,24,25,26,27,28 and 29 years. AIG has also expanded issues ages. For example a 55 year old can now get 30 years of coverage. The full bulletin also contains information on lowering of premiums and their great disability income rider. Click here to review the recent AIG update. As of today, 5/8/07 all of the states The Brodsky Agency actively markets other than Illinois have had state approvals.  Illinois is pending. Click here for the full bulletin. The bulletin is intended for licensed agents only and is password protected. Every agent on our e-mail list should have received the password but if you haven't please let us know.  (May 2007)

Three useful PDF documents have been created from materials distributed at the spring 2007 Ohio National Regional Meeting.  First, you can view a very detailed product specification document click here on the entire Ohio National Life and Annuity portfolio other than equity based products. Second, Ohio National provides a variety of free sales support tools click here that increase the value of your Ohio National relationship and will increase your sales success. Last, Ohio National's Underwriting Depart has published a list of tips click here designed to improve your underwriting results. These documents are all password protected.  ((May 2007)

IAC has introduced their new Personal Health Plans (to replaced the individual CompleteCare series of plans.

• Built-in RX coverage included with every plan.

• Affordable rates - new plans are available less than CompleteCare

• Attractive HSA plans

• lower rates for non-tobacco users

We have supplies waiting for your request at The Brodsky Agency and would be please to provide a prompt quote. If you are already contracted with IAC you can download software from the IAC site if you prefer to do your own quoting.  Click here for more information on the new product. (January 2007)

The NEW UniCare Small Group Illinois Premier Flex Plus Plans and the HSA D plan are here and are available for 2-1-2007 effective dates. These plans are replacing the current PremierFlex $500, $1000, and $2000 deductible plans.

Three 80/60 Premier Flex Plus Plans 500-80, 1000-80 and 2000-80

• $35 Office Visit Co-pay - Includes X-rays/lab performed in the physician’s office on the same date of service
• $150 Emergency Room co-pay – All Inclusive!
• First-Dollar Preventive Care Benefit (CORE Preventive Care Services, e.g. Pap, mammogram, PSA, well baby, colorectal cancer screenings, osteoporosis screening, ovarian cancer screening) with No Maximum payment, paid at 100% with deductible waived
•  First Dollar Other Routine Care 100% (increased from 80%) with a $300 maximum (increased from $200) with deductible waived  
• Increased Physical Therapy & Occupational Therapy Benefit to 80% (vs. $35 per visit max benefit)
• Rx Brand Name Deductible removed and with Rx co-pays of $15/$30/$45 (currently $10/$25/$50)
• Increased Mail Order Rx to allow 90-day supply for 60-day co-payment
• Lower CMS Out of Network Fee Schedule to All Plus Plans (Medicare Limits)

The HSA Compatible Plan D

• Patterned after HSA Compatible Plan C but more competitively priced!

• Lower In Network Deductibles of $2600 for Individuals and $5200 for Families

• Three Tier Pharmacy Co-payments: Once the combined medical and pharmacy annual deductible is met, the in-network medical benefits will be paid at 100%. At that time, in-network retail Pharmacy will have a benefit of three different co-payments of $10 for generic, $25 for Brand-Name Drugs on the Formulary and $50 for Brand Name Drugs not on the Formulary. The co-payments for Pharmacy will apply until the Pharmacy out of pocket Maximum (of $2000 for Individuals and $4000 for families) is met then Pharmacy benefit will go to 100%.  (January 2007)

A 10-Year Term premium reduction is in place for Ohio National. Follow this link for the complete announcement. These new rates are great! 

This is a good deal but only for policies written through December 31, 2006. You'll definitely want to take advantage of this year ending opportunity for your clients. (November, 2006)

A variety of changes that make HPA short term medical plans even more saleable are effective January 1, 2007. These changes include...

Reduced rates on pre-paid term of coverage... savings of up to 26%
Rate reductions in the several states including Illinois, Indiana and Missouri
Improved rates in deductibles of $1,000 or greater.
Six month rate trend replacing quarterly rate trend.
$250 deductible available with 6-month monthly pay or 6-month pre-paid term but not 12-month monthly pay.

If you are contracted with HPA you will receive updated rates in the mail and can order additional supplies direct or online. The brochures are unchanged only the rate sheets need to be replaced If you are not yet contracted but wish updated information please let myself (extension 135) or Kimberley (extension 123) know.  (November 2006)
 

Many of our producers have been asking for it and now your have it. UniCare has released Spanish Language employee applications. You can download a copy here or get them from the UniCare website.  Click here for Illinois employee Spanish language application or right here for Texas.  (September 2006)

AIG/American General has introduced Income Protection Plus, a long term disability income product with a 100% return of premium feature.  This policy has a choice of

• three benefit periods, 2 years, 5 years or to age 65.

• four elimination periods, 30, 60, 90 and 180 days

• a variety of optional riders including Partial Disability, Hospital Monthly Income and more!

It is approval for sale in most of the states that our brokers are active in but be sure to check your state is included.

They have also just introduced a disability rider for LTG Ultra and ROP Term that requires no additional underwriting to be added to a submitted case. The rider  is an exciting additional to an already great term insurance portfolio. The approval process is underway but some of the states we market in are not yet approved. We will have approval information at the agency and of course you can also check on the AIG/American General website.

The two most recent product update bulletins announcing these products can viewed here for a short time. Click here for the Income Protection Plus information and here for the Disability Income Rider.  (September, 2006)

Global Basic brochures are newly available in Spanish. This is in addition existing Patriot and Global Insurance Plans.  The Spanish language brochures can be ordered online or by request from The Brodsky Agency.  If you would like a personalized PDF version of the brochure contact they are available. Contact Larry Brodsky at extension 135.  (September 2006)

North American Company for Life and Health (NACOLAH) has received an upgraded A.M. Best rating of A+, Superior!  (September 2006)

The Brodsky Agency website makes available current and back copies of our various newsletters. Please visit our newsletter page frequently.  click here to go there now.  (August 2006)

Shorten your sales time for CompleteCare Personal Health Plans with the Fidelity Security Life Quick App! The QuickApp is a software that allows your clients to complete a short online application providing limited medical information. The online application is followed by an in-depth health history telephone interview completed by IAC's Underwriting Department. It's fast, quick and easy. It also reduces your E&O risk by taking you out of the middle of any future claims or medical review questions.

QuickApp is one more reason for the popularity of our IAC CompleteCare Individual Medical Plans. (July 2006)

Have you reviewed the new IMG Patriot Student T.R.I.P. product. This plan is a trip cancellation plan similar to what travel agents would sell and is designed for students. Please note that this is not an international medical plan. Patriot Student T.R.I.P. can be  written on domestic or foreign travel of at least 120 from the starting point. It's focus is on trip cancellation protection not medical expense although it does provide some emergency and medical expense coverage.

The agency has a small number of color brochures it stock. Feel free to request a copy or better yet a personalized  PDF is available on the IMG website. If you are appointed with IMG it is easy to download. If you need help downloading from the IMG website please contact us. We'll help.  (July 2006)
 

Physicians Life has announced that it will be stop distributing its products through the independent brokerage system at the end of the year.  This decision applies to their brokerage distributors nationwide.  Their products are also being sold through a large captive field force and a direct marketing division.  Apparently these two distribution channels will continue "as is". 

The Physicians Long Term Care products that brokers of The Brodsky Agency have sold over the years will continue to be serviced and have commissions paid.  While we are disappointed in the Physicians  decision we remain comfortable that the inforce Physicians Long Term Care products will serve the needs of each insured  very well.  (July 2006)

HPA now pays commissions twice a month. They mail the 1st check no later than the 10th and a second mailing no later than the 25th. You'll now be paid quicker on your HPA short term medical business. (June 2006)

Here's another brokerage first from The Brodsky Agency. Looking for something other than the usual trinkets you can give your customers as a token of your appreciation? I know that a free key chain doesn't quite have the same impact it once did.  Edvantage is the answer.  Edvantage is a customizable Loyalty Program and Advertising Website for individual Agents.  Consumers get access to Special Discounts and Rebates at over 600 National Merchants and 6000 Restaurants.  Your consumers purchases are completed on the retailers regular websites after logging into your Edvantage page and using the link to the merchant.  Here are a few of the merchants, maybe you've used them... Walmart, United Airlines, Best Buy, Petsmart, Home Depot, Target, Barnes & Noble, and ftd.com.  Check out the complete list on The Brodsky Agency Edvantage Page.  You shop as you would normally, pay what the rest of the consuming public pays but with the Edvantage program an additional rebate is earned that comes from Edvantage later.  There is no cost for the consumer to register and use Edvantage.

The amounts of the rebates vary by merchant but always represent a savings.  You, your business, your friends, clients and family can register and earn the discounts as early as a few minutes from now by using the shopper registration link on left side of The Brodsky Agency Edvantage home page.

If you like what you see and want your own page (and links), a small fee (currently a $100 one time fee) is charged to have your own page designed for you by Edvantage.  To get your own page use the organization registration link on the left side of The Brodsky Agency Edvantage home page.  You do not need your own complete website to have Edvantage personal page on the web.

How else can Edvantage serve you?  It's an advertising opportunity.  In order to get the discount, the consumer must log in to the Edvantage program through your (or our) Edvantage webpage and click through to the merchant site. Your advertising message appears every time they go to your Edvantage page.  You are able to change your message as frequently as you want.  Also, you receive an administrative fee that is equal to a percentage of the rebate your customer earns. Most of our producers agree that revenue is a good thing.

Now's the best time to learn more. At the very least, you'll want the chance to save money on your own purchases. Click here to go directly to The Brodsky Agency Edvantage page.  The balance of the details are here. Contact, Larry Brodsky directly if you have questions.

Bringing you new and better ideas, it's part of how we'll do more to earn your business than any other brokerage agency. (June 2006)

According to recently received LIMRA information AIG-American General is number one in 2006 Sales rankings for Term Life Sales, Universal Life Sales and Total Individual Life Sales. The market share of Term Life sales was reported at 11.3%, Universal Life at 11.6% and Total Individual Life Sales at 7.9% 

Did you know that AIG's Elite Universal Life and USL Elite Index Universal Life are available for insureds over age 74? Seniors don't have to settle for something less. (June 2006)

The Brodsky Agency invites you to visit www.sellforworld.com. The Brodsky Agency has made available to you a new way to explore all the advantages of working with the World Insurance Company's Individual Major Medical products through the magic of the Internet. You may conveniently explore all that World has to offer and feel free to download their proposal software. There is no obligation on your part. The user name is 04bro189 and the password for May, 2006 is selling... for June 2006, service. Please use all lower case letters. The user name and password will change each month.

Our private label, NAIM Great Choice product, has had a facelift. new benefits, great rates, and a brand new brochure.  Please update your software and make sure your NAIM Great Choice is the May, 2006 version.  You can download a copy of the brochure by clicking here. 

For those not yet appointed you can download a sales agreement from http://www.brodskyagency.com/Downloads/World/Commission/Application%20Packet20041019.pdf with a checklist at http://www.brodskyagency.com/Downloads/World/Commission/Application%20Check%20List.pdf of contracting requirements. (May 2006)

Frequently our brokers encounter health conditions that could have an impact on rates and/or availability of individual insurance.  We have begun to develop a series of easy to use questionnaires  that identify the information needed to determine quickly, accurately and informally the probable outcome.  When we receive your inquiry (with or without a completed questionnaire) we will determine among our multiple companies the best possible fit from the information you are able to provide. The first questionnaire is for multiple sclerosis.  Please click here to view/download.  We look forward to your call. (April 2006)

Sell temporary health online. As an Allied affiliate agent you are on your way to effortless online sales. No more old-fashioned paper enrollment. You can view an actual working site by clicking here.  This site has The Brodsky Agency contact info. Your site would of course be personalized to you and you would automatically and directly be credited as the broker of record by Allied. Contact Larry Brodsky  for more details.  If you're not yet appointed with Allied... why not?    (March 2006)

The 2007 producer conference for Insurers Administrative Corporation is Lisbon, Portugal and the requirements to qualify are very reasonable. Group (2-50 employees), Individual and Short-Term medical plans all count. Please click here for the complete details and request a health insurance quote today. (February 2006)

Do you sell Medicare products? Constitution Life's Medicare Select and Standard plans have rates that are hot! How hot? Just review our recent ad. (click here)   The next step? Let's us send you  a complete marketing kit. By the way... Constitution Life also pays some of the best commissions in the industry. (February 2006)

Have you explored the generic newsletter we have for you?  These are newsletters that you can personalize with your own contact information and distribute as your own. The most recent, January 31, 2006 is regarding HSAs. Please click here to explore. (January 2006)

Our latest company is West Coast Life. Great term and universal life. Watch for more information.  Our current company list can be viewed by clicking here. (January 2006)

Time Insurance, for group HSA plans effective 1/1/06 through 3/31/2006, is offering an account starter bonus. Time Insurance will contribute one month's premium directly to the employee's HSA account as a starter bonus! In addition they will guarantee 6% interest on their daily HSA account balance for an entire year! This is a great deal!    For all the complete details please view each of the three PDF documents linked here. Click for document 1  Click for document 2  Click for document 3. Request a Time HSA group quote today! (December 2005)

Now available courtesy of North American Company for Life and Health is a PowerPoint presentation designed for consumers illustrating how much life insurance they need. Feel free to download and use it.  Click here to review.  (November 2005)

The latest PowerPoint presentation available on brodskyagency.com is from the Webinar of September 2005. This presentation provides a complete overview of International Medical Group's (IMG) product line and how to market their plans.  Click here to go to the Brodsky Agency PowerPoint page. (September 2005)

For those not yet appointed you can download a sales agreement from http://www.brodskyagency.com/Downloads/World/Commission/Application%20Packet20041019.pdf with a checklist at http://www.brodskyagency.com/Downloads/World/Commission/Application%20Check%20List.pdf of contracting requirements. (September 2005)

Did you know Ohio National issues Term 10 to age 80?  Check out the annual premiums rates to see how Ohio National stacks up against the competition in the senior market per a recent Ohio National flyer which is for agent use only. Click here!  (August 2005)

North American Company (NACOLAH)  has a presentation called "Keys To Success" available on CD that provides a very detailed look at the North American opportunity.  The NACOLAH product portfolio is discussed and suggested uses for each product are listed.  Next, The NACOLAH illustration system is reviewed with instruction on how to use the advanced underwriting portions.  Finally, the NACOLAH producer website is toured with an emphasis on how it can help you. The CD is free, but you need to request your copy from The Brodsky Agency.  (August 2005)

• New, eight-page format enhancing readability and incorporating information previously placed on supplemental inserts
• Categorized list of plan options and benefits making it easy to locate information at a glance
• Indemnity, HSA Select (Indemnity) and Qualified High Deductible (Indemnity) Plans expanding the brochure to provide the complete product portfolio
• Recent plan enhancements - more deductible choices, lower insured percent selections and higher coinsurance limits on HSA Select and PPO Advantage Plans, and two new prescription drug card benefit choices on PPO Advantage, PPO and Indemnity Plans

The brochure is available for producers under the Products/Brochures section on each state page of the Starmark website. Please begin using this brochure immediately in conjunction with the appropriate state insert page. The Brodsky Agency has a limited supply of  printed copies available for your use. (July 2005)

Another Brodsky Agency first? The Brodsky Agency has set up a Wireless Internet Hotspot for your use. We don't know anyone else currently providing free high speed internet access for the insurance community.  Our hotspot is waiting for you, 24/7. 

If you have wireless capabilities on your laptop computer, with our hotspot you can send/receive your e-mail and access the internet. The wireless hotspot is located at our Palatine, Illinois office.  Whenever you are in our neighborhood we invite you to use our hotspot without charge. We are near routes 53 and 14 (Northwest Hwy) only 5-10 minutes from Woodfield area depending on traffic. During business hours you are welcome to use a Brodsky Agency desk (we'll even offer you a cup of coffee), but if the office is closed or you are really shy, the signal reaches into the parking lot immediately in front of our main entrance.  You can sit in your car and conduct business. The current password is A123CDE321 but be advised that the password will change from time to time. The current password will be posted on this internet site.  Now, there is no need to pay for wireless at Borders or Starbucks, at least when your in the Palatine area. (June 2005)

AIG/American General has increased your sales opportunities for Long Term Disability. They have announced as much as 24% possible discount for plans that meet the criteria outlined in the PDF document viewed by clicking this link. Can we run a quote for you? (June 2005)

North American Company has recently released a great PowerPoint presentation that provides recommendations on which products are best suited to a variety of consumers life insurance needs. This is a large file (about 7MB) but well worth the time to download. Click here to download. (June 2005)

The Brodsky Agency is please to announce that UniCare's great small group products have become available in Michigan.  Click here to download a copy of Michigan specific sales materials.  (June 2005)

Have a high income client? We have something new from Petersen International. For clients whose disability needs cannot be satisfied because of Disability Insurance issue limits of traditional carriers... now you can simply submit the application and the Declaration page of a fully underwritten, standard issue, personal non-cancelable guaranteed renewable disability plan, issued within the last 90 days and we can issue a supplemental plan of disability insurance up to $10,000 per month but not exceeding in total 65% of income.

A high profit plan. Little added cost. Little added overhead. Full commission! Call us for more details. (June 2005)

Allied Administrators has announced the removal of the "decline question" from their Horizons Temporary Medical Product.  Since the announcement sales of this product have gone through the roof.  Remember to ask about their unique and easy to qualify STM commission bonus program. (April 2005)

American General has a great guideline for Universal and Term Life underwriting. The Brodsky Agency has uploaded them for your reference. Click Here to review.  Users of AIG/American General Software please note that version 5.02.00, March 2005 has just been released. If you did not get your copy please let us know. Finally, American General's return of premium term insurance product is worthy of a quick review if you have not done so already. Both consumers and brokers have caught onto this product in a big way:  (March 2005)

HSA Road Rules by Dan Perrin, a simple yet comprehensive guideline for HSAs in PDF format. Useful for Consumers, Employers, Insurance producers and anyone else interested in Health Savings Accounts. Mr. Perrin publishes a newsletter called the HSA Insider... details are on the last page of this PDF document. (February 2005)

Examples of both qualified and non-qualified medical expenses for HRA and HSA plans in a document linked here. For additional information, refer to IRS Publication 502,  "Medical and Dental Expenses. The publication is available at www.irs.gov but for your convenience we have a copy we downloaded Feb, 2005 at this link.  (February 2005)

How much are you willing to pay to have your own website? How much time are your willing to invest to make it happen. Did you know that the Brodsky Agency has created websites for a number of our brokers. The offer is extended to the rest of our brokers and we don't change a dime. 

Unlike others offering you a site, the domain name will be one of your own choosing (www.yourownchoice.com) that you own.  Your only cost will be for registering your domain name and what the web hosting service will charge.  We are able to refer you to a host where the total of the domain registration and hosting will cost about $45 for two years.  There is no financial reason you can't have your own site!

How much time is involved? Your investment in time will be about 30-45 minutes at the outside probably less. Once you have taken the first steps it will take about The Brodsky Agency about one week to bring your site alive on the Internet. For more information contact Larry Brodsky, lbrodsky@brodskyagency.com  (February 2005)

An EXCEL Spreadsheet illustrating the potential savings of a Health Savings Account (HSA) and a PDF document showing a completed example of its use. Courtesy of Time Insurance. (January 2005)

When we say we will do more to earn your business than any other brokerage agency, we really mean it.  We hope our competitors will follow our example and set up their own public hotspots to help you conduct your business more efficiently.  Tell us what you think. 

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