Understanding SureBridge branded "senior" products

Understanding SureBridge branded "senior" products

During the Annual Enrollment Period, you could be meeting with clients who have turned 65 and are now entering a new stage of life–Medicare  eligibility. You may wonder if this means they need to have their SureBridge  supplemental products re-written to the “senior” version. We have great,  time-saving news for you: there is no need to rewrite!

Many of The Chesapeake Life Insurance Company (CLICO)  products, offered on the SureBridge brand, are designed for customers of  nearly all ages. Once written to a CancerWise Plus, HeartWise, HospitalWise or Prime DVH plan, even as your customer ages, they do not need to move to a  “senior” version of this plan. Clients on these plans do not “age-off” at 65  years of age.  In fact, they may be better-off keeping the plan they  have unless they need to add or change benefits.

Benefits of keeping the current plan:

• No disruption
• No restarting waiting periods, grading periods, or pre-existing conditions limitations mid-flight of a plan year
• No potential for rate increases from advanced issue age

Why do you have "senior" plans?

SureBridge marketing materials present a view of plans that may be more relatable to those ages 65 and older and possibly  considering supplemental products for the first time. “Senior” plans are  designed to speak the right message, at the right time, to the right  audience. Your clients who started their plans before the age of 65 can  continue their coverage by simply continuing their premium payment per the  terms of their plan.

If you have questions about our CLICO plans, please reach out to Producer Support.

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