Agent Opportunities

• Experience – DAGE was established in 1986
• Competitive compensation
• Home Office and field training
• Sales Training, a complete “How To” guide from approach to close of sale
• Assignment of a protected territory
• Pre-approach mailings
• Up-to-Date compliance - National Do Not Call Registry
• Premiums are collected via Government Allotment – payroll deduction
• Selection of insurance products, many specifically designed exclusively for the Federal market
• Point-of-Sale promotional material

• Currently there are over 3 million actively at work Federal Employees
• With a median income above $45,000 each employee is financially pre-qualified
• We target those areas of the Federal Employee Benefit package where almost every employee can benefit by utilizing one of our insurance products as an alternative to or as a supplement to an existing employee benefit

• Alternatives to Federal Employees Group Life Insurance term coverage, Option B. When first employed, an employee may choose an Option B benefit from 1 to 5 times their annual base pay. The premium rates are the same for all employees regardless of health. The premium rates for this benefit are banded in five year increments and increase as an employee ages.₍₁₎ As an alternative to ever increasing premiums we show employees how their good health can work to their advantage by applying for an individual policy that locks in their premium rates for 10, 15, 20, or even 30 years. A 44 year-old, male, non-smoker, in good health with a death benefit of $225,000 can save as much as $51,953 in premiums over a 30-year period.₍₂₎
• Supplemental Retirement Benefits, annuities and cash value life insurance – traditional and indexed. The Civil Service Retirement System is a defined benefit program; an employee with 30 years of service can expect to retire on about 56% of their working income. As an alternative to a 44% reduction in income at retirement we show employees how to utilize the cash value accumulation of a life insurance policy and or an annuity to accumulate additional dollars for retirement.₍₃₎
• Survivors Annuity Benefits. When retiring an employee is required to make an election with regard to providing a continuing income for a spouse in the event of their death. Choosing to use 100% of the retirement annuity as a basis of providing this benefit for a spouse will reduce a retiring employee’s annual annuity income by approximately 10%.₍₄₎ As an alternative we show an employee how the purchase of a permanent plan of insurance can largely replace the need for purchasing a "full" survivors’ annuity benefit. This allows the employee to retain a greater percentage of their retirement annuity as current income. There are many other advantages too; a lump sum death benefit creates an immediate cash estate, not only for the spouse but also for other family members. Remember, the survivors’ annuity benefit only carriers down to the spouse of an employee where the death proceeds from a life insurance policy become part of the surviving spouse's estate and therefore can be passed on to succeeding generations. It’s also important to know that if the spouse of an employee pre-deceases the retired Federal worker the reduction in annuity income used to pay for the survivors’ annuity will be restored to the retirees’ income but the past payments to provide the benefit are lost. Comparatively, the life insurance purchased to supplement the need for providing a survivors’ annuity build cash value; in this instance if the spouse of a retiree pre-deceases them the life insurance policy may be surrendered for its cash value providing a return where none was available on the dollars spent to provide a survivors’ annuity benefit.
• Disability Income; employees have workers’ compensation benefits under the Federal Employees’ Compensation Act which covers them on the job. The Government also provides a benefit for retirement due to a disability; an employee must show that the disability is expected to last at least on year.₍₅₎ To cover the gaps in the Government benefits we offer a short-term disability income plan that provides coverage 24 hours on-and-off the job, that pays benefits in addition to worker comp and covers maternity. It is simplified issue and covers pre-existing conditions after the policy has been in effect for 12 months.
• Cancer & Dread Disease Insurance – with return of premium in most States

• Committed to putting the client’s needs first
• Life and health insurance licensed
• Have at least 1 year of insurance industry experience
• Self motivated with Confident Personality
• Financially stable
• Able to travel up to 3 nights per week

• Knowledge of Federal Market
• Production – past 2 years