Get Appointed To Sell Everest Legacy Series Hospital Indemnity & Cancer
Senior Market Advisors is excited to offer access to the new Everest Legacy Series, an exclusive line of ancillary health insurance products developed through a strategic partnership between Everest and AmeriLife.
As Medicare Advantage plan benefits continue to change and out-of-pocket exposure grows, agents are searching for products that provide real value while creating new revenue opportunities. The Everest Legacy Series delivers both.
These products are designed to help clients prepare for the financial impact of serious illnesses and hospitalizations while providing agents with competitive commissions, streamlined enrollment, and strong renewal opportunities.
Why Contract with Everest Legacy Series
Everest has made a significant commitment to the ancillary health insurance market, creating products designed specifically for today’s needs and distributed through select sales organizations.
For agents, that means:
- Unique products not widely available
- New client acquisition opportunities
- Strong retention and cross-selling potential
- Differentiation from competing agencies
Everest Legacy Series Products
The Legacy series from Everest is a two-part product.
Legacy Series Cancer, Heart Attack & Stroke Protection (CHAS)
The CHAS plan provides lump-sum benefits when a client is diagnosed with a covered cancer, heart attack, or stroke.
Benefits of Cancer, Heart Attack and Stroke
- Benefit amounts from $5,000 to $100,000
- Available for clients ages 18-90
- Cancer, Heart Attack, and Stroke coverage
- Built-in recurrence benefit
- Restoration of benefits after claims
- Guaranteed issue optional riders
- Return of Premium option
- Critical Illness Rider available
- Unique Competitive Advantages
Built-In Recurrence Benefit
Unlike many competing plans that require lengthy waiting periods before benefits are restored, the Everest Legacy Series gradually restores coverage following a claim:
- Year 1: 10%
- Year 2: 25%
- Year 3: 50%
- Year 4: 75%
- Year 5: 100%
This feature provides additional long-term value and protection for clients.
Benefit Builder Rider
Clients can increase their benefit amount every year, helping coverage keep pace with future needs.
Critical Illness Protection
Coverage can include conditions such as:
- ALS
- Multiple sclerosis
- Major organ transplant
- Paralysis
- Severe burns
- Coma
- Blindness
- And more
Return of Premium Rider
Available with a 100% return of premium after 20 years or upon death.
Legacy Series Hospital Indemnity Plan (HIP)
Hospital indemnity plans continue to be one of the fastest-growing ancillary product categories, especially among Medicare beneficiaries.
The Everest Hospital Indemnity Plan was built to provide broad protection while remaining easy to position with clients.
Benefits of Hospital Indemnity
- Daily hospital confinement benefits
- Emergency room coverage
- Urgent care benefits
- Observation stays
- Recovery room benefits
- Mental and nervous disorder coverage
- Additional Riders Available
- Lump Sum Cancer Benefits
- Outpatient Surgery
- Skilled Nursing Care
- Home Health Care
- Ambulance Coverage
- Outpatient Rehab Therapy
- Prescription Drug Indemnity Benefits
Why Agents Like This Plan
- Guaranteed Issue through age 75
- Works alongside Medicare and other health coverage
- Large cancer benefit options
- Skilled nursing and home health benefits
- Unisex rates
- Issue-age rating structure
- Multiple riders packaged under one policy
Why Sell Ancillary Insurance
Many clients believe cancer, heart attack, and stroke coverage is simply about medical bills.
In reality, the financial burden often comes from things as small as household bills to travel expenses and home modifications.
These products provide cash benefits that clients can use however they choose.
That flexibility creates meaningful conversations and helps agents address concerns standard health insurance may not fully cover.
Everest Ancillary Insurance Commissions
Agents and agencies can choose from multiple compensation structures designed to fit their growth goals.
HEAP Commissions
- Higher first-year commissions
- Lower renewal commissions
Traditional Commissions
- Strong first-year commissions
- Higher long-term renewal income
Agencies can also structure compensation differently throughout their hierarchy, offering greater flexibility than many competing carriers.
Why Partner with Senior Market Advisors?
Senior Market Advisors teaches agents how to position ancillary products effectively which leads to increased cross selling, stronger customer retention and increased renewal commission opportunities.
The Everest Legacy Series represents a unique opportunity to add high-demand protection products to your portfolio while helping clients prepare for life’s unexpected health events.
Everest Legacy Series Agent Contracting
The Everest Legacy Series launch is creating significant interest among agencies and independent agents looking for new revenue opportunities and stronger client retention strategies.
Contact Senior Market Advisors to learn more about contracting, commissions, training, and product availability in your state.
Get contracted today and be ready to start selling this exciting new product lineup through Senior Market Advisors.