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  • Topic: Insurance, Deductible
  • Pages : 5 (1446 words )
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  • Published : April 7, 2013
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Cesar Paz
COMM 253
Instructor: Corey Purcell
April 5, 2013

Persuasive Speech Outline
Why you need accident supplemental insurance

INTRODUCTION:
Attention getter: Introduction, the Center for Disease and Prevention and Prevention, ("Accidents or Unintentional Injuries," 2013,) states that there will be 29 1/2 million people who will visit the emergency room from unintentional injuries, that's roughly 4 out of 10 people. Of those 29 1/2 million, 120,859 of those accidents will result in death, that’s 39 in 1. In the United States, it’s the fifth highest cause of death. I. Thesis Statement: Today, I'm not going to be talking to you about accidents or accidents that cause a fatality. Rather I'm going to be sharing with you something different. I'll be sharing with you the need for accidental supplemental insurance. II. Audience relevance: Whether at home or at work, some or most of you here may have been involved in some type of accident. It could be something as simple as twisting your ankle while working out at the gym. Or something a little more serious like a car accident and having to go to the emergency room. All or most of you are possibly covered by some type of medical insurance, either through your parents or your own personal insurance to pay for those medical bills. However, even though you have medical insurance you still have to pay something out-of-pocket, that's where supplemental accident insurance comes in to offset those costs.

III. Credibility: In August 2005, a car hit me while I was riding my bike. As a result of that accident I've had over nine surgeries. I've had total shoulder replacement surgery in my right shoulder, slap tear and rotator cuff repair in my left shoulder, I've had to have my back fused from the L4 to S1, and total knee replacement surgery in my right knee. This accident was so serious it almost ended my military career and because of it, I had to look at different career options. With a few years left before retirement, I was able to obtain a license to sell life and health insurance. Since then I've worked with different insurance companies marketing and selling different insurance products. For the last two years I have worked as a benefit counselor, enrolling employees in their different benefits during annual enrollment. These benefits included life insurance, health insurance, and supplemental insurance, to include accidental supplemental insurance. IV. Preview: I'm going to briefly cover what are the different types of insurances that are out there. I will then focus on supplemental accident insurance and what are the benefits of owning this insurance product. TRANSITION:

Now when we talk about insurance the first thing that comes to mind for most of us here is car insurance and sometimes health insurance. Also for most of us we hardly have a clue on how any of these insurance products work. BODY:

MAIN POINT # 1
According to the Merriam – Webster, ("Insurance," 2013) dictionary website the definition of insurance is: Coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril. Basically what that is saying, insurance is used to mitigate financial loss. Now what I'm going to do is briefly cover the different types of insurances that are out there. A. SUB-POINTS

I. Auto insurance:
According to autoinsurance.org, ("What is auto insurance?," 2013)…pays if your vehicle is damaged or stolen. Medical coverage pays for treatment of and rehabilitation for injuries. It may also cover lost wages and funeral expenses. Liability coverage pays if you are at fault in an accident that results in property damage or personal injury.

II. Life insurance:
According to Fidelity.com website ("What is Life Insurance?," 2013): A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known...
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