Aflac Company Overview
Aflac is the number one provider of individual health insurance and guaranteed-renewable insurance (National Underwriter, "Life & Health Statistical Report," August 18/25, 2008).
If you have an accident or illness that prevents you from working, the last thing you need to worry about is how you'll pay your bills. That's where Aflac comes in. Our insurance policies may help with those out-of-pocket expenses not covered by your major medical insurance. whether it's ordinary living expenses like food and household bills or medical treatments such as physical therapy, Aflac can help you be prepared for whatever life may bring.
How Do Aflac Benefits Work
Aflac insurance policies pay cash benefits directly to you, unless assigned, regardless of any other insurance you may have. We pay cash benefits fast-processing most claims within four days (company statistics, December 31, 2007). You own the policy and manage the cash benefits. Aflac's policies are portable, so you keep your coverage if you change jobs or retire.
Available Aflac Policies
Accident
Aflac's accident insurance policy is designed to pay benefits that help you cover the ongoing expenses incurred after an
accident injury, from copayments to lodging and travel, and includes a wide range of benefits that other plans may not
cover, such as emergency treatment, follow-up treatment, annual wellness benefit, and initial hospitalization. Family
coverage is available.
Cancer/Specified-Desease
Aflac's cancer/specified-desease insurance policy helps with medical expenses related to cancer treatment. Cancer
treatment can cause out-of-pocket expenses that aren't covered by major medical insurance. Benefits can be used to help
with the cost of cancer treatment, including hospital stays, nursing services, cancer surgery/anesthesia, and much more.
Family coverage is available.
Hospital Confinement Indemnity
Aflac's hospital confinement indemnity insurance policy helps with the noncovered expenses of a hospital stay. We pay
cash benefits directly to you, unless assigned, regardless of any other insurance you may have. Family coverage is
available.
Short-Term Disability
Aflac's short-term disability insurance policy helps with the loss of pay resulting from a sickness or off-the-job injury
through monthly benefits. The benefits are paid directly to you, unless you choose otherwise. The policy is guaranteed-
renewable to age 70 and portable (the policy stays with you regardless of job changes).
Frank Marcellino owns this brokerage firm, Select Benefits Plus NE. Frank started working with Scott Sullenberger, an independent Aflac agent, in January of 2008 to bring a new vision and new energy to the SEA (State Employees Association) of New Hampshire account. Tom Kelly (TJ) promoted Scott to a District Sales Manager at the beginning of 2009 in order to take the clients of Select Benefits to their next levels of success.
Scott has introduced internet technologies, real-time customer service, and other key management tools to better serve the Aflac policy holders within each clientele customer base. Scott has introduced a balanced focus of sales and customer service that has elevated the Aflac deliverance of benefits paid out for claims and wellness and most importantly, customer satisfaction. Scott started and developed several sales/operations in Silicon Valley and New York City for over 20 years. He is a graduate of West Point. His old fashioned style of customer service combined with his knowledge of technology and effective leadership is a proven winner. Scott is also known as Sully and he is an expert at developing vision models for organizations to become their best.
Scott continues to ensure that his agents are well trained and kept up to date with policy features and proper integration of the Aflac benefits. Give Scott a call or send him an
