February is American Heart Month, a time we’re all encouraged to focus on heart health, prevention, and long-term wellness. For insurance agents, it’s also a great time to revisit how you are protecting clients beyond basic coverage. Remember, a major health event doesn’t just affect clients physically – it can also create significant financial strain, especially for those who are Medicare-aged.
This is what makes American Heart Month the perfect time to talk to clients about proactive financial protection, including Cancer, Heart Attack & Stroke insurance. These plans offer simple, meaningful ways to support some of life’s most challenging moments, making them among the most valuable additional products you offer.
The Financial Impact of a Major Health Event
While your clients may already have Medicare Advantage or Medicare Supplement insurance, these plans only cover so much. Many are surprised to learn how much they may still pay out of pocket after a heart attack, stroke, or cancer diagnosis. Beyond medical bills, there are often additional expenses such as travel, recovery costs, caregiving, and everyday essentials that don’t pause during treatment/recovery.
These financial pressures can create unnecessary stress during an already difficult time. It’s your role to protect clients and provide as much peace of mind as possible.
Cancer, Heart Attack & Stroke Insurance Helps Protect Clients
Cancer, Heart Attack & Stroke insurance is designed to fill the gaps that traditional coverage doesn’t.
These plans are beneficial to clients because:
- Pays a lump-sum benefit directly to the client
- Funds can be used for anything (medical or non-medical)
- Provides financial peace during recovery
- Helps protect retirment savings
These plans are affordable and easy to add to a client’s existing coverage. For many, this can become one of the most appreciated pieces of their protection strategy.
Cancer, Heart Attack & Stroke Insurance Adds Value to Your Portfolio
While Cancer, Heart Attack & Stroke insurance is beneficial for your clients, it’s also one of the most effective ways to enhance your portfolio and deepen client relationships.
How so?
- Easy to cross-sell during review appointments
- Strengthens your role as a trusted advisor
- Sets you apart from agents who only offer core products
- Creates an additional income opportunity
- Shows clients you’re thinking about their long-term financial well-being and overall health
This coverage is a win for your clients and a win for your business. Start exploring our complementary offerings and get contracted today to strengthen both your portfolio and client relationships.
American Heart Month is the Time to Start the Conversation
Clients are already thinking about their heart health this month. That makes it a natural, non-salesy time to talk about planning ahead.
You can frame the conversation around:
- Financial preparedness
- Protecting independence
- Reducing stress for themselves and loved ones
- Strengthening their overall coverage
How to Start the Conversation
Right now, we are in Quarter 1 – a perfect time to reach out to clients post-AEP to make sure they’re satisfied with their coverage. This is your opportunity to ease into the “additional-coverage conversation”.
Here are some simple Cancer, Heart Attack & Stroke conversation starters:
- “Since it’s American Heart Month, this is a great time to review your protection plan.”
- “Many clients use this time to add a small policy for peace of mind – would you like to see your options?”
- “Have you ever thought about how a major health event could impact your finances?”
Remember, it’s always good to ask open-ended questions because they allow clients to reflect and naturally open the door for additional coverage conversations, without pressure.
Another great way to engage clients about this topic is to share Heart Health Month awareness graphics on your social media. We’ve created ready-to-use templates you can post right away or use as inspiration for your own content.
“Love Yourself First by Getting Insurance“
“Your Heart Shouldn’t be an Afterthought“
“Health Insurance Protects Your Heart and More“
Putting these messages in front of clients helps spark conversation, reminding them to think, “Maybe I should take a closer look at my coverage options.”
Better Serve Your Clients Starting Today
American Heart Month is more than a way to raise awareness – it’s an opportunity for agents to help clients protect their financial future and peace of mind. Cancer, Heart Attack & Stroke Insurance is a simple, affordable way to give clients confidence and stability during life’s unexpected moments.
By offering this coverage, you’re strengthening relationships, filling real coverage gaps, and helping clients safeguard finances they’ve worked so hard to build.
If you’d like additional guidance on carriers, products, or ways to integrate Cancer, Heart Attack & Stroke into your client conversations, our team is here to help you!
Office Hours with Tidewater February Recap
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