Liferaft works to offer the best supplemental products at the most affordable rates with the best user experience. Agents all over the country are growing their business with Liferaft, many doubling their sales in the last year alone. In this guide, learn about Liferaft’s typical buyer personas and proven conversation starters that successfully demonstrate the value of Liferaft products. 

Liferaft is committed to being a preferred partner of all of our agents. If you are interested in expanded marketing support, we have the tools to run this sales process for your book of business, while you sit back and see your agency grow on auto-pilot. If this is something you are interested in, please contact marketing@liferaft.co. 

While Liferaft is meant for everyone, there are some buyer personas that are more likely to be interested in Liferaft products. You can segment your audience to focus on these groups to give yourself a great chance of success.

• Individuals who are buying health plans off of the ACA exchange
• Individuals with partial Federal subsidies, with a maximum out-of-pocket of $4k+
• Individuals with a genetic disposition for critical illness
• Individuals ages 30-55
• Individuals with families

The easiest place to start selling Liferaft products is to your current book of business or your existing ACA/Healthcare book. This is where most of our most successful agents and agencies have started. 

Email Marketing

Using your current client list or existing ACA book, set up the email marketing campaign in the Liferaft Sales Kit, a sequence of emails introducing Liferaft and our products, including short videos and a call to action. This will set the stage for you to follow up more intently as your clients engage. 

Create a Quote

A client who engages with your emails or is an obvious fit as per “Liferaft Buyer” can be pre-quoted using Liferaft’s Quoting Tool. Liferaft’s Quoting Tool allows you to easily price out different policy options for your client and then jump straight into the application process, prefilled out with your client’s information and policy choices. In the Quoting Tool, you will find pre-determined bundles that are selected to fit the ideal Liferaft buyer. Explore our Agent Resource about Leveraging the Quoting Tool for detailed guidance.

Call your client

A phone call is sometimes the extra push that a client needs to engage with you during the sales process. You can reach out to them, sending them a link to review their personalized Liferaft quote and using the conversation starters detailed below to help seal the deal.

Positioning Liferaft is the key to clients understanding the value of the products. 

• Start by going over your client's Major Medical plan, highlighting their deductible and “maximum out-of-pocket” and what they actually mean. You can use the real-life examples in Liferaft’s Quoting Tool to help illustrate how each product can protect their finances in various scenarios.    
• Explain how they can protect their maximum out-of-pocket exposure with Liferaft, the most cost-effective solution on the market. It is more advantageous to pair Liferaft with their Major Medical plan for as little as $5-20/per month, than use savings to cover their maximum out-of-pocket liability. 
• Highlight how easy enrollment is, with no tricky questions or invasive health questionnaires. Simple, guaranteed issue and they get the policy right away. 

To learn more about how to introduce supplemental health insurance products and recommend the right level of coverage, visit the Agent resource about Pairing Liferaft with Health Insurance.

A young professional is concerned about their savings and has a very active lifestyle. They may play sports and/or be susceptible to illness. 

“If you were to suffer an accident or illness, do you have $4k saved up to cover expenses?”

“If you are saving to buy a house or a car, you should insure your MOOP to protect your savings in case something happens.” 

A head of family is concerned about protecting their savings and income in case of accident or illness to them or their dependents.

“Are your children active in school sports? Do they live active lifestyles? A simple fall from a tree can end up costing a lot of money in the ER.” 

“An accident or illness can really affect your family budget. Liferaft can help protect your savings so you don't have any surprises and miss any other payments.” 

“Liferaft products work everywhere, so your family can receive treatment at any hospital or clinic you choose.” 

An older individual, who may be separated with children has concerns regarding their teenage children and their retirement income. A serious critical illness could deplete their savings.

“Are your teenage children currently driving? We hope this never happens, but you can protect them with a Hospital & Accident Plan.”

“It is time to start thinking about Critical Illness, as a form of wealth/retirement protection.” 

A pre-retiring individual is concerned about the kind of insurance products they will have access to.

“Do not dip into your savings for expensive healthcare products going into retirement, Liferaft can help get you affordable coverage.”

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Want to reference these talking points on your next call? Download our printable Agent Sales Guide.