Insurance Products

We specialize in marketing quality supplemental insurance products for United Teacher Associates Insurance Company. .

1. Supplemental insurance products meet a very valuable need. These products help families financially at a time they might have to deal with Cancer, Heart Surgery, Heart Attacks, or Accidents.
   
2. Our insurance products deal with diseases and problems that can affect anyone.
   
   
   1. UTA First Diagnosis Cancer Policy can pay $10-$50,000. to qualified policyholders on first diagnosis of cancer.
      1. More than 88 million Americans alive today will get cancer in their lifetime. Cancer will strike 1 out of 3 Americans
      2. Cancer is the 2nd leading cause of death in men.
      3. Cancer is the leading cause of death in women ages 40-79
      4. Cancer is the 2nd leading cause of death for children ages 1-14.
      5. In 2006 the overall cost for Cancer was estimated at 206.3 billion. 78.2 billion (38%) was for medical expenses, and 128.1 billion (62%) was for non-medical costs. These non-medical costs include:
         1. Loss of income
         2. Family member loss of income
         3. Insurance deductibles and co-payments
         4. Travel, food, and hotel expenses.
         5. Child Care expenses
         6. Home Care during treatments
         7. Non-Covered Experimental Treatments

         (Sources: American Cancer Society, Cancer Facts & Figures 2007: American Cancer Society. The above facts are based on U.S. population and are for information purposes only and do not imply coverage provided under this policy or endorsement of the American Cancer Society. The American Cancer Society does not endorse any product or service.

   2. UTA First Diagnosis Heart Attack and First Major Heart Surgery Policy can pay $10-$50,000. in a lump sum to qualified policyholders.
      1. Cardiovascular disease is the #1 killer of American men and women.
      2. An estimated 80,700,000 American adults (one in three) 1 in 3 have one or more types of cardiovascular disease
      3. In 2005 861,826 deaths were related to cardiovascular disease. (Includes heart disease, heart attack, and stroke).
      4. 47.2% of all heart-related deaths are male, 52.8% are female.
      5. About every 26 seconds, an American will suffer a new or recurrent heart attack.
      6. Each year, 1.2 million persons are affected by heart attack.
      7. Of the 469,000 bypass surgeries performed each year, 50% are on people under the age of 65.
      8. In 2008, the overall cost for Cardiovascular Disease is estimated at 448.5 billion. 278.08 billion (62%) was for direct medical expenses, but more than one-third of the amount, $141.7 billion (38%), was for non-medical expenses, i.e. lost productivity due to morbidity and mortality.

      (Source: 2008 update from the American Heart Association's Heart Disease and Stroke Statistics. These facts represent the U.S. population, are presented for information only, and do not imply coverage provided under this policy or endorsement of the American Heart Association).

   3. UTA Accident Expense Insurance Policy protects a client eight ways: Ambulance Benefits, Medical Expenses, Hospital Expenses, Intensive Care Benefits, Physical Therapy Benefits, Family Lodging & Transportation, Dismemberment Benefits, and Accidental Death Benefits.
      1. Unintentional injuries are the leading cause of death for persons ages 1 to 44 and the 5th leading cause of death overall.
      2. About 35 percent of all hospital emergency department visits in the United States were injury related in 2003. About 40.2 million were treated for injuries I hospital emergency departments, and about 99.9 million visits to physician offices were due to injuries
      3. Unintentional disabling injuries totaled 23.2 million in 2004, and unintentional deaths totaled 111,000.
      4. 90% of deaths and about two-thirds of disabling injuries suffered by workers in 2004 occurred off the job.
      5. Production time lost due to off-the-job injuries totaled about 165 million days in 2004.
      6. The total estimated cost of fatal and non-fatal injuries in 2004 amounted to $574.8 billion, of which more than half ($298.4 billion) was due to wage and productivity losses, and $98.9 billion in medical expenses (Source: 2005-2006 edition Injury Facts, National Safety Council).
      
      
      
3. UTA insurance products are reasonably priced, affordable to the general public, and proven to be highly marketable.
   
4. UTA insurance products are easy to understand and explain.
   
5. UTA insurance products have a Return of Premium rider available to those that qualify (must be age 60 or younger). This means that an individual, single parent, or family that qualifies for coverage can have all of their premiums refunded at the end of the 20th year of payment, less any amount the company would have paid to the client during this time in claims. This is a FANTASTIC BENEFIT AND GREAT SELLING FEATURE.