HealthFirst Insurance Selling System

Health First Selling System — ManhattanLife Edition A modular approach built around AFC Elite (fixed-indemnity defined benefit health plans) with click-on companions or "riders": HISelect or GAP (hospital cash), Enhanced/PAID Accident (event-based benefits), DVH Select (dental/vision/hearing), and Critical Illness or Cancer & Heart-Stroke (big-event lump sums). For clients: Pair with a PPO to soften deductibles/ER costs or build a budget alternative with predictable, paid-to-you benefits. For agents: Higher close rates, multiple apps per household, bigger case size, stronger persistency and referrals. Offer Good / Better / Best bundles, match the monthly budget, and keep only the add-ons they value. Compliance: Limited-benefit supplemental plans; not major medical; benefits/availability vary by state.

Course•By Kyle Lichlyter