Business Sense Benefits Training: Complete Platform Overview & Employee Benefits Package
Live Webinar with Vanessa Roberts
(Raw transcription; not proofed for grammar or spelling.)
Click here for Google Doc of the transcript.
[0:01] Jeremy Vanessa here. I've got Sherry and Tommy, and we've got a very special guest that's going to be joining us in a few minutes at about the half-hour mark. Our benefits provider partner is going to join us and give us a complete training. Hey guys.
[0:21] I was very sorry. Is everybody on? Sorry, uh-huh.
[0:27] Oh, okay. We're alive. Hi, team.
[0:32] We got Sherry. Donald says, all good with sound. Jean, I see that you're having a support issue. Please, is it with Illusional, or is it with your Small Business Advantage?
[0:47] Why don't you just come to me at getsupport.bus, Jean, and I'll help you. Yep, I'll help you directly. We'll get that. Whatever you need, I'll help you take care of it. So generally speaking, if it's with your Illusional account, you can email in support at illusional.com, but since you're one of our VIPs here with me today, I will help you.
[1:08] So, okay, so yes, what I was saying is at the half-hour mark, we're going to have a very special guest. Our benefits provider partner is gonna come on. So everybody here, we've gone through our Illusional training, how you complete your purchase as a customer. Hopefully all of y'all have been, become your own first customer and have your own Illusional account. You've been through the system.
[1:32] I've got Tom here with me. He'll be the first to tell you that not only is familiarizing yourself with the product a huge boon to your ability to talk about it intelligently, but being able to say “I am a customer” is a really strong endorsement. So if you haven't already done that, we do encourage you to be your own first customer with your affiliate link. Go ahead and set up.
[1:55] So yes, you do earn a commission on your own purchase. But today, what we're going to go through is after that initial setup where you enter your own information, what comes next? We're going to be exploring the actual Business Sense product, the benefits and features.
[2:12] So we do have Tom and Sherry here with us for the first few minutes before our partner is able to join us. And so we'd like to go through an open Q&A.
[2:23] Ask the CEO. Yes, sir. I think Deb may be with us. Is that right, Jerra?
[2:33] Oh. She pinged me and said she's jumping on. So let's just give her a few minutes.
[2:36] Yeah, she's going to be able to jump on early. Her call ended early, and she'll be able to jump on. So that's what I was trying to say before.
[2:41] Oh, that's okay. That's what I heard you say. So you're asking me, Jerra, if she was going to be able to jump on with us.
[2:47] Oh, excellent. I hear she just unmuted herself. So we can all give her a warm welcome. Hey, Deb.
[2:54] Deb: Hi, guys. Hi. Yes, I did. I did. And Vanessa, I was going to let you just finish up your piece for another minute or two, and I will set up and move over the presentation to my screen so I can show everyone the amazing features that are on the very easy platform for everyone to use. But yeah, if you want to give them a second to ask some of those hard questions, then you can put them over to me.
[3:19] All right, that's fantastic. So yes, we're very excited to have Deb. She's an expert. I love to say that I know a good bit, and I know Sherry knows a whole lot, but I think going straight to the source of any the creator of any product is really the way to go because nobody knows it better than them, and they can help you much more efficiently.
[3:39] Deb: Well, I'll give it my best shot, and I know Sherry goes above and beyond for everybody she talks to.
[3:43] It is great to have Deb here with us, so we really appreciate that. So while Deb's getting her presentation set up, let's just take two, three, four, five minutes. Any questions that you've got that you want to preemptively let us know that you want us to cover on today's presentation, or if you have a question for Tom, we can put the spotlight on Tommy for any questions about the Illusional business in totality. All right, I think. All right, I don't see any questions coming in.
[4:14] I will monitor the chat throughout Deb's presentation. I'm going to let her just present, and myself and Sherry will be able to see the questions. So as you go.
[4:24] Nobody's excited to talk to me today, I guess they're all excited about it. And it's stolen all under.
[4:31] Well, you know, we do have a little, it's a superstar in our midst. What can I say?
[4:38] But yes, we will. Tommy, I'm always excited to get to talk to you. Don't let the quiet in the crowds make you feel any kind of way. But yes, we will be in the chat the whole time through. So if anything tickles your brain, please type it in. I love to say no question left unanswered by the end of the call. And Deb, if you wanna jump in, I think we're ready for you if you're ready for us.
[5:01] Deb: That's perfect. Yeah, I'm definitely ready for you guys. So what I'm doing right now is just changing the presenter. I made myself the presenter. Vanessa, give me a thumbs up that you can see my screen.
[5:11] Thumbs up, thumbs up.
[5:12] Deb: Awesome sauce. Okay, well, you guys, I'm so excited to be here. I know that Vanessa and Tom and Sherry have really given you a little bit of accolades this way to say that we have all the pieces ready for you. But let me just return those to say what Illusional has built for you guys to bring out into the marketplace is an extremely robust, high-value package of services. And honestly, from where I'm sitting, when I know what I know, it really is such an easy thing to get to small businesses to say, “Hey, this is something that's really, really going to help you.”
[5:47] So you know the Illusional part, you know they can go to Illusional, they can sign up as a business, they can enroll, and they're going to enroll, like Vanessa said, as the first customer, that small business owner. And then the cool thing is Illusional has given full access to the business owner to add employees to this program as it's needed. And the best way for me to show you how amazing these services are is to actually go show you the services on the platform.
[6:14] So once you get through enrolling and you register and kind of things move over and we use the word sync up, once they sync up, then the business owner is going to be taken to a place, to this site where they can sign in. You can see it's co-branded. It has the Business Sense logo and Illusional, so everything should make sense to them from a customer view. They're going to come to this site, and the first thing they're going to do is sign in. Now the sign-in process is fairly easy. We are API information from Illusional over to the partnership they have with us here at NXG.
[6:50] So once you come to sign in, we already know that you are someone who should have this program. You're going to enter back in the email address. This is the email address that you gave Illusional when you signed up or enrolled into the Business Sense program. You're going to ignore this screen with me because as an NXG representative and employee, I have lots and lots of Business Sense accounts for different clients. Your customers will never see this screen. This is for me because it wants to know which experience I'm looking for. And then they're going to enter in their passwords that they created on the first-time registration.
[7:30] Another feature we have is a security question. It's always going to be there for the security of making sure that we are only presenting to the business owner the pieces that the business owner needs to and making sure nobody else is there. And then boom, here they are, and they're in our experience.
[7:48] Now you wanna pay close attention because this thing has a lot of features and places to go. Number one, you can go vertically down. I can scroll down here, and I can see immediately what are the benefits I have for my business? What do I have for myself? And then what do I have for my employees through my Health Sense program? And how do I get it to them? So one, two, three very quickly can go right up and down.
[8:15] We also have it streamlined across the top. Guys, look at the number of services and benefits they have. The business itself has four really robust features. We're gonna go through those. The business owner, are you kidding me? Look at that list. It's almost too much for us to list out. It's almost a bit overwhelming in a really, really good way. And again, we're gonna highlight each of those and talk about what it is that they do.
[8:42] And again, I just want to point out to you, if you're scrolling down, those same additional benefits that you just saw in the dropdown for business, they're right here. Those same benefits that you saw in the business owner, they are tiled out right here. So they can really just choose their experience.
[9:00] Now, if you are like I am, you are going to want to know really quickly what it is that I am getting and how it works. So let's get into it.
[9:08] Number one, data breach solution. That's the first thing that's being offered for the business. What is a data breach solution? Okay, guys, listen. Small businesses are very, very susceptible to data breach. They hold a lot of customer information, and they have zero plan on how to protect it or what to do if someone comes in and uses that information. You're talking about everything from brick and mortar to small consulting businesses, what do you have? So a data breach solution is really that. It's all three in one. It is something to help them prepare against a data breach, respond if they do have a data breach, and resolve an issue when the data breach occurs. Full-scale solution here for them, all three. And this is what we provide them.
[10:00] I'm not going to go through every link because they would take us way over time. But look at what they have available even just in the preparation. Here's a template you can download if you want to get a response plan. So we've got business continuity or business planning for you right here just as a link. There's instructions on how to use the template. There are drills that you can perform with your employees on, “You guys, this is what we would do if a data breach occurs. How prepared are you?” And then employee training.
[10:35] This is in itself, through this link, a full-scale professionally developed training that you can have your employees watch to help them understand what you do and do not do in order to make sure we're keeping our data safe. So everything from, “You know what, we just don't wanna have paperwork on top of our desk that has someone's social or information on it,” to “Hey, these are different types of data breaches that you would not expect or think could happen.”
[11:01] So that is a data breach. That in itself, right here, a small business could go and pay in a consultant for, they're gonna pay an upfront flat fee of a few hundred dollars, and then they're gonna pay a monthly fee for access to training and employee pieces like this that you are providing to them all within this Business Sense for, again, that low monthly rate.
[11:23] We're gonna move on to legal services, and then I'm gonna preempt and say we're going to stop, and I'll check in, Vanessa, with you to see if you have any questions on the board. Legal services. Guess what else you need when you're a small business that you don't have? A lawyer. Now most small businesses do not have a lawyer on retainer. They don't even know where to go to get a good lawyer. If they needed a lawyer, they would probably be calling up their friend or someone in the chamber of commerce or an organization that they have and say, “Hey, who do you guys use for this?”
[11:55] So instead, what we're going to do is give them access to a network of vetted attorneys who are going to focus on small businesses that can literally do work for them at no additional cost. What work can they do? Great, great question to ask. Here is the work they can do. And don't forget, you guys, this is what your small business sees when they're on the platform. So they have full information. This is extremely self-service.
[12:23] That lawyer, that attorney can do a face-to-face consultation, 30-minute face-to-face consultation. No charge, no charge. Where's the charge? You pay a monthly fee for your My Business Sense Illusional. No charge. What if I need to discuss a business matter and I need to have a phone call? No charge. You can just do that and say, “Hey, this is what I'm facing. What do I need to do?”
[12:46] What if I need an attorney to call someone else? Someone's not paying the invoice I sent them, or I have an employee who's unhappy, or I have a customer who came into my store and failed, and they are thinking about taking additional action against me. I need that attorney to reach out and to have a consultation either with a different attorney or collection agency. What have you done? I can do that up to two a month, 24 times a year. I can ask an attorney on my behalf to make a phone call, resolve an issue, and have no extra money out of pocket. That's unheard of. That is ridiculous.
[13:25] All right, documents and letters, same thing. I can have an attorney write a letter, collection letters, initial letters for new legal matters. I can have them review contracts or documents that I have somebody else looking at. I can have them do that, and everything has a limit. Everything has a criteria around it, but again, very upfront.
[13:46] Gosh, what if I need my attorney for more than that? You will have a small business, and guess what? Through this same network, if you need the attorney beyond what's already built in at no cost, then you can provide that attorney or that attorney can provide their services to you at 40% off of their minimum hourly rate. So a typical minimum hourly rate for an attorney, $125 could go up from there, but you're going to get 40% off of that rate because you're working through this network. Again, I do not know of another service out there that provides that.
[14:21] There's also contingency discounts and retainer discounts. So what do I do if I need this attorney? Do I have to go through and put in a request and get it? No, all I have to do is call. Here's my number. I have to call this number. When I call that number, I get into the attorney network, and they assist and they help me. All right. If I need any more information, again, just want to show you how self-service the site is, here is a guide to benefit for anything that we feel like we need to give legal and compliant matters to. We will have a guide to benefit, and it will be linked there for them.
[14:55] What questions do we have about the first two amazing services that we've talked about? Okay, we're going quick, so I'm moving on. So you've got to get that information, that's a question very, very quickly.
[15:11] Do you have private Wi-Fi? Small businesses do business everywhere imaginable: airports, coffee shops, you know, their mother-in-law's home when they're visiting with their wife. How do I make sure I have my Wi-Fi being private so my information is not being compromised, and I don't have proprietary data out there? Well, we basically provide them with a secure VPN, so we call it private Wi-Fi. It's a VPN license. They have 10 licenses available, so not just the business owner, but other individuals in the business. If they are working on laptops and Wi-Fi, they have that available to them. They will add in a new license. We give them full instructions to do that and have full service available if they have questions or concerns.
[15:53] And that way, instead of going through the Starbucks Wi-Fi, they can go through their VPN and make sure their data is not being compromised.
[16:00] Small business monitoring. The business monitoring is going to help monitor compromised credentials across the dark web, which is just the part of the internet where there's forums, there's different marketplaces where information is bought and sold daily. One of the most interesting parts of my job and sad as well is to watch the dark web and how data dump packs are being sold.
[16:24] They can come into this monitoring. They can add in credentials of a variety of manners. I'm going to show you the different credentials they can add in. Address, brand information, company contact. All of these guys open up to a whole other set of information if you want to add in additional phone numbers or email addresses, or even under the financial. You can add in bank account numbers, credit card numbers. This is all in a secure portal. Your business has complete control over what they want to put in. We're not making them put anything in. We are offering to monitor it across the dark web if they want us to, and guess what? If it is compromised or looks like it is in a suspicious manner, we will alert them by email or optional text, and they will have their alerts pop up right here. And again, anytime they can come and add and decrease whatever we're monitoring.
[17:20] So think of it from a business perspective. Let's pop back out and look at it holistically. As a business, what I'm getting for that monthly fee for signing up with Illusional Business Sense is I'm getting a full-scale, full comprehensive how to protect my business, how to make sure I'm monitoring if something is getting compromised, how I can make sure I'm keeping things private so it's not being compromised. I am getting a full-scale data breach solution so that if something happens, I can have someone who can help take action and actually respond with me and for me to my customers that I have impacted. Guys, that in itself reduces such risk for the business.
[18:03] Nothing hurts a small business than having to go tell their customers, “Hey, we have breached data and sold it in some way that we did not mean to.” And so that is just reputational risk, financial risk. And then again, if I need any legal help, there's my legal services.
[18:20] I'm going to pop over to the business owner. Now, the business owner gets a lot of things, and so does the employee, so some of these will double up in the next little bit. And we're going to go really quickly through these because if we stop and talk about them for very, very long, one, I lose your attention, and number two, gosh, again, look at the number of services for business.
[18:44] So what I want you to do is take a quick second here and just ingest all of these, all different benefits. And what you can see is there's benefits in a couple of different areas. Number one, there are benefits for identity theft and monitoring of my personal information. Credit monitoring, high-risk transactions monitoring, identity monitoring, social media monitoring. All of those and the personal underneath of benefits, all of those have to do with my identity and making sure my digital footprint is kept as safe as possible. Then there are what we call lifestyle services and benefits, and that's a good way to present it out to business owners.
[19:19] You guys are protecting your business. We're protecting your identity, but we also have some very fun lifestyle benefits in there as well. So telehealth, health discounts, shopping rewards, instant deals, and even cell phone protection. All really help with a lifestyle. So let's look at them one by one. I'm gonna go a little quickly here. Like I said, cell phone protection does exactly what it says it does. It is going to protect the cell phone of the business owner and of the business. It protects them and provides them repair or replacement in the damage or theft of their business cell phone. Really, really significant value here.
[20:03] If you have a cell phone, you know that your provider probably offers this to you at somewhere between $15 and $25 a month. So that is, again, baked into this program. There's two claims every 12-month period. There is a $50 deductible that applies, and they can receive up to $600 a claim. Let me do your quick math for you. That means on any claim they can receive up to $550 for the repair or replacement of their device. And if they need to file a claim, there's a one-stop phone number to file a claim with us. We get that started for them and help them out. So there he goes, there's cell phone protection.
[20:41] We're gonna move into shopping rewards. If you can tell I'm skipping around, I'm showing you all the lifestyle fun stuff first. Shopping rewards. You can't quote me on this, but here's my best way to explain shopping rewards. Have you ever used Rakuten? That's what Shopping Rewards is. All right, it provides you a cashback reward on top of whatever local deals that the retailer has for shopping through our network online. So you access it by going to the benefit, getting into our Shopping Rewards network, and from here, I can literally shop wherever I want to.
[21:17] You can see I'm signed in. It knows who I am right here. It's Deborah. Right now my balance is zero, and that's not my real account. My real account right now has $15 in it, but this is the one I show when I'm doing some presentations. But let's just say I wanna go shop at Kohl's here. They show me some featured deals up top. So Kohl's is actually where I go a lot now. On top of everything I get from Kohl's, I can earn up to 1.21% cashback if I shop online through this network. I don't wanna go to Kohl's. I wanna go to Old Navy and shop. So I can actually search for Old Navy, and it'll bring up, okay, oh gosh, Old Navy. Guys, right now it's a little over 2% cashback. That's pretty amazing. That's more than some credit cards will give you for their cashback.
[21:53] So the cashback deals are managed by the retailers themselves. They can increase and decrease, and that's why you always want to come and check it out. But man, if I wanted to do that, all I would have to do is go shop at Old Navy. The cool thing about our feature is you can add this to your favorites. So if I wanted to come back, this would be on my favorites menu. But if I click here and I go to shop now, it's gonna pop me over to Old Navy, and I'm gonna start shopping just like I normally would. But instead of just getting their 50% off everything, I'm gonna earn 2% cashback right on top of that. All right, so that's shopping rewards. Again, it's free money for going shopping. I don't know how much better it can get than that.
[22:43] All right, let's talk about InstaDeals. InstaDeals is a mobile discount program that offers discounts and services to local and online retailers. Now again, I've been in here, so you can see mine's coming up to my current location. If you guys wanna come visit me, I'm in Murfreesboro, Tennessee. Hi, guys. All right, so I can look around really quickly to see what I eat, play, and shop deals close to me. This is also a very robust feature, so it travels.
[23:09] So if I don't wanna be in Murfreesboro, Tennessee, right now, let's just say I wanna go to Florence, Alabama. I'm only picking that because my niece, give her a shout out, is in nursing school down there right now. So yay, if I wanna go visit her, now I can see where my local deals are close to that. If I access this through my phone app, which we do have, then it will use my location on my phone, and it'll just keep up with wherever I'm at. I can search for certain deals if I want to, like I can search for deals at Target, or I can just search for, “Hey, what movie deals do you have?”
[23:43] And then there's a travel component by which I can get discounts for travel to cities, discounts for airlines, discounts for hotels, and park tickets, right, what have you. So again, a robust in-app feature or in-site feature just to save me money as the business owner where I can go, maybe have a little bit of fun with the family when I am not running my business.
[24:07] All right, let's talk a little bit about telehealth. You guys are gonna perk up. Your ears are gonna perk up at this point. Telehealth is invaluable. Health coverage, health insurance right now, it is just way off the charts, and a lot of people don't have it. Small business owners very seldom have their own insurance, and they very, very seldomly have insurance they offer to their employees. Telehealth is not insurance. Please don't ever tell anybody it is insurance. It is not, but man is it ever a robust and very active way for employees of the small businesses you speak to to have access to a live US credentialed and certified physician.
[24:57] This is not a nurse line. This is not a line where we're telling you, “Hey, this is what we think you should do next.” This is a physician who is going to be able to talk with you through a video or phone call if you'd like. A video conference is available, and they're going to talk to you. They're going to see you just like you would in any kind of urgent care situation.
[25:18] So accessing this benefit is going to take you over to our partner for telehealth. We are not physicians here. I do not wanna give anybody any physical or health advice. And so we have partnered with someone called Doctegrity. I don't mind telling you that name because you guys are smart, and you're gonna pop over to Doctegrity, and you're gonna check them out. And what you're gonna see is that if you were just trying to get somebody to sign up on Doctegrity.com, I think their going rate for an individual access is something of about $25 to $30 a month right now. And then to offer that to additional people in the family, it's even more than that.
[25:58] So again, baked into the one monthly fee for Business Sense via Illusional, they have access to this and so much more. They're going to come over to Doctegrity. Guys, the first time you come over, you are going to put in a little bit of information in your health profile. I'm not going to click that because you would see my actual information and my health profile. And then every other time you pop over, it's going to come right here so that you can immediately just click to speak to a doctor.
[26:24] Now we can only go so far in demoing this particular service because this is live. I can actually speak to a doctor, right? So I'm going to do that in just a second. But before I do that, I'm going to show you, “Hey, look, what if I need to add a family member?” I can do that as a business owner. I can cover myself, and I can have access, but also my wife and up to six of my dependents? Yes, you can. You can just add a new dependent right here. You can add in your wife, and that way the wife can make a call. You can add in your children. Your children could make a call if they are 18 or over, or if they're under the 18 years of age, you can make a call on their behalf, and a doctor will see and treat them.
[27:07] When I say treat, I mean they're going to talk to you, they're going to get a diagnosis for you, and if there's medicine to be prescribed, they will prescribe medicine to you. I used this myself about two weeks ago to get diagnosed with a sinus infection, get an antibiotic and a steroid called in to my local Kroger, and within about 30 minutes of speaking to the doctor, I took my medicine. There's also behavioral health, so I can speak to a therapist as well.
[27:33] Okay, I'm only going to do this once, and I'm going to bail quickly, so all eyes are on the screen. I'm gonna speak to a doctor. I'm gonna choose how I want to communicate: message, phone, or video. I am gonna say I want a video. I do not want you to ever do this yourself. FYI, Doctegrity knows I'm coming in today to do this. Otherwise, it puts unnecessary cues in their queue, and they really get mad. Doctors don't understand.
[27:59] It's telling me that I understand I'm about to schedule a diagnostic video consultation with a physician, and this just keeps down any robo forms and things like that. It's gonna ask me what my conditions are. It's gonna ask me to, first of all, make sure that I have any electronic medical records up to date and that I understand that this is informed member consent. That is health laws for how to understand I myself am doing this.
[28:26] It is going to say, “Hey, what would you do if you weren't going to do this service?” We do that as an extra measure because if someone says, “Oh, I'd be going to the emergency room,” then something's going to pop up, and it's going to say, “Then go to the emergency room. We are not emergency care. If you're having heart issues, we're not emergency care.” Or I might say go to my primary physician. So it's going to know then, okay, this is something that we could take care of. It knows from registration that I'm a Tennessee resident. So it's asking me if I'm still in Tennessee. If I was traveling, I could say no. I'm going to continue on, and this is where it's going to ask me, what are you calling about today? And give a little bit of information.
[29:04] Now, I know that this is just like the forms you fill out when you go into urgent care. Just so you know, we have very few things that are required by the asterisk. So within just a few moments, you can get in and be speaking with a doctor. If I were to fill this out and click continue, it would put me in a queue for a physician to call me back. So at this point, I am going to bail and make sure that they know I am bailing. And thank you for helping me walk through that. And then the next—
[29:40] Once again, let me reiterate, do not do that. Do not do that. Do not put testing, nobody go in there and do any tests with this telehealth product, please. It will cause issues.
[29:51] Deb: Yeah, you saw I had to put my name in there. That's because literally, Doctegrity knows I'm coming across today. And if they see cancellations for that, they have had to limit one of our clients and kind of take it down for a little while because just doing what I did, you guys, does alert a physician cue. And so those physicians, again, they do not like that cue to be alerted and then they do not have something that comes up. That means they are stepping away from something. So thank you, Tom, for reiterating that. And if that's not enough, I will tell you that we can track down who's doing it. So we will come to you personally and say, stop doing it.
[30:37] All right, amazing, amazing benefit and discount. I want you to be able to say with confidence to the businesses that you're talking to that you have telehealth access 24/7 by video or phone to credentialed, board-certified physicians who will see you for a matter of several varieties of urgent care or mental health needs. And not only you, business owner, but you can add your spouse or domestic partner, and that is such, again, such an amazing benefit, especially with what we're talking about today in healthcare. No copay, no insurance needed, no prerequisite. But once again, never, ever say it's insurance. It is not. You would be lying.
[31:22] Health discounts come right behind it. This is your, I like to say, again, average every day, but this is one. There's a network of discounts that you can join because you are part of Business Sense. It provides drug savings, dental savings, and vision savings. There's a plethora of information on here about how it works and how you get your card for it. This prescription drug has saved me an innumerable amount of money. I often go pick up even my monthly maintenance medicines, and at any given time, I always show them the card. Sometimes I get 10% off. Sometimes I'm getting 50% off because during that month they marketed or sold a different sort of discount that they had out there. I would have otherwise not known. So a great health discount card to go along with that telehealth.
[32:18] And then let's talk about a couple of the monitoring benefits. So again, monitoring of every shape and size. Let's start with the big boy, credit monitoring. Yes, it is actual credit monitoring, monitoring of your credit file. It gives you any alerts if your credit file has been tampered with, changed in any way, or if there are key changes in your credit score. If you have your credit score increase or decrease by about 20 points in a very small amount of time, it is a good indication that you have been tampered with in some way, so we let you know that as well. Alerts can come on this portal. They also come in email.
[32:54] You do have to activate this benefit, and that is because neither you nor Illusional is getting anything from your business owner that will allow us to automatically turn this on. In other words, you're not getting social and date of birth. You're not passing that information. The way I would tell this to a business owner is on your own recognizance, on your own time, you can choose when to activate your credit monitoring. To activate your credit monitoring, they're going to go through steps to accept our terms and conditions and then to register and authenticate.
[33:24] So they're going to come in here, then they're going to register their personal information. This is where we ask for their social and date of birth. Again, secure portal. And then the authentication step is going to ask them up to three knowledge-based authentication questions to make sure that we are going to monitor the right credit file. Once again, if you were to go out as a business owner and to sign up for personal credit monitoring on yourself, you would be going to a couple of other variety companies, and you'd be paying an additional monthly fee that I'm just kind of pointing out the value over and over and over again.
[33:59] High-risk transactions monitoring is going to provide an alert to the business owner if in some way their identity or their digital information is misused in a variety of high-risk transactions. So accounts are set up, passwords are set up, names and addresses changes, or more. Okay, so I hope you're asking in your head right now, “Well, Debra, you just told me you're monitoring my credit file. Why would I need this in addition?” If you are not a credit expert, you may not know, but your credit file only is going to have certain pieces of information on it. There are only certain entities that report to the credit reporting agencies.
[34:36] There are a lot of entities that do not, including medical. Large hospital networks don't have to report to them. Let's say if you have cash advance places, they don't report to them. Different car lots, if they have the buy-here, pay-here car advancements, they don't. A plethora of personal loans or personal credit cards don't have to report to them. So there are networks of information that's happening with your digital information, your name, address, things that identify you that are not on your credit file. And so that's why you want it to be monitored across what we call these high-risk transactions monitoring.
[35:17] Again, you're going to have to activate it for us because we need to know your social and date of birth. And we want you to choose when you want to activate or give that information to us. So that's a good way to tell them. Well, guess what? Not only is your information compromised in high-risk transactions and on your credit file, but it's also compromised across the dark web, just like we talked about with your business information that can get compromised across the dark web, so can your personal information.
[35:49] So we are doing a couple things. We are monitoring your identity across thousands, thousands of databases. We have some proprietary technology that we use for that. We are going to make sure that any of the information we have about you—name, address, so on and so forth—that we are looking for any suspicious activity. And if it occurs, we are going to let you know it's occurring, and we are going to then monitor you. The first time you come in, you can actually activate this and go ahead and get what we call a risk score.
[36:23] So how at risk am I? How risky is my digital footprint? This is gonna take a second to come up because it's actively going in right now and reviewing my information against all of our database information. And it's trying to decide how at-risk I actually am. And then it's gonna return a visual representation of my low, medium, or high. And good for me, I am low risk. I used to be a little bit lower than this actually. Used to be a little bit under 180. So I'm creeping up there. But it shows me—
[36:54] That's because you're hanging around me there.
[36:56] Deb: That's right, Tom. Totally true. Honestly, I wonder if it's because I did a lot of online transactions during the Christmas season, which would make sense. And then right now, I'm doing a lot of online transactions with my taxes, following my taxes. So that actually could be it. But again, what I hope you guys are seeing is I keep using the word robust, but complete, thorough, amazing these services are, and how it just provides, again, a very easy view. It's not a benefit that is gonna be hard for a business owner to use, and it's gonna be really easy for them to pop in during their busy, busy times and look at that.
[37:36] All right, there's a couple more. Social media monitoring. This one is kind of super cool. Literally just monitors social media networks and makes sure that if your account is compromised or taken over, that it's going to alert you. It will also alert you if there's nefarious activity on your account. So if all of a sudden your account gets flagged by Facebook, Twitter, Threads is on there now, Instagram, if it gets flagged by one of those entities to say, like, “Hey, we're not showing you this post because it has information or non-approved community standards,” it will actually alert you as well.
[38:14] So Facebook's probably alerting you, Instagram's alerting you, but we're alerting you as well. “Hey, something's happening, and somebody might have been taking that over.” Again, so important for a small business owner, guys. Small businesses live and breathe by the reputation of their owner, and so if their owner's social media is being compromised out there, it could be linked to the business being compromised, and also it's linked to their own reputation.
[38:42] All right, accidental death and dismemberment. You guys probably know what this is. It is exactly what it says it is. It is up to $10,000 of 24-hour accidental death and dismemberment insurance. There are some qualifications to it. Sorry, I just momentarily logged out. Pardon me while I log back in. So there are some qualifications to it, like can't think at the same time, that it decreases after age of 70. That is very typical for AD&D insurance. So it is, again, what you think of as a typical policy for them but provided within this package of services and at, I'm gonna say, no additional cost to the monthly fee. So that's AD&D as well.
[39:33] I think we have hit on all of them. Oh, one more thing, financial wellness. I should have actually talked about this when we talked about credit monitoring. Financial wellness is a good online set of tools for your business owner to go in and see how healthy and how lined up with their ultimate goals are their current finances. So I would consider this like access to your own financial mini consultant. Obviously, talking with somebody in person is always great, but this is financial literacy, financial coaching at the touch of a button. Budgeting aids, how to reduce debt, and then a plethora of educational videos that are on demand.
[40:23] I'm going to go ahead and click this access button so that you can see where it takes you. It is really fun, you can take quizzes, you can have things for the youth in your household, you can go through courses, or you can provide courses to teenagers. There are webinars that are on demand for them, an e-library of all the resources. Again, just super complete plethora of information on how well are my finances doing and what do I need to do as my next step for them. Okay, that's a lot.
[40:58] That was just what we provide for the business owners and the business. So again, I'm going to take a half a breath. I'm going to see if we have questions in the chat or if we have any certain benefit or service. You know, I can dig more into that.
[41:18] I do want to jump in and remind all of our agents here that when you sign up for yourself, we talked briefly at the top of the call about being your own first customer. These are all of the benefits that you receive as the business owner because you're purchasing a Business Sense account. So everything Deb talked about today is yours. And I've seen a bunch of these questions coming through about additional fees for all of these services. And I do want to clarify, no. No. What we talked about today, that's $39.95. There's no gotcha. There's no surprise fees. There's no premiums or copays, or, “OK, now you've connected with a lawyer. Here's a bill for $1,000.” No.
[42:05] Right, Deb, you can echo me on that one.
[42:09] Deb: Yeah, yeah, that's right. The only caveat to that one is if you use the lawyer beyond what's already included, right? But again, no surprise fees. That would be a conversation you're having with that attorney. The attorney's presenting like, “Hey, this is what it might be,” and then you're agreeing to it. And again, it's 40% off.
[42:25] So if you're out there, if you're an agent, if you're listening and you're thinking, “Okay, wait, I don't have telehealth, or maybe I pay for telehealth today. I don't have cell phone protection, or I pay for cell phone protection. I'm paying for my credit monitoring through somebody. And I really honestly don't even think about, have never even thought about, dark web monitoring or monitoring my identity across databases. That would be really good for me.” Again, those are things that are all included.
[42:54] Let's see, this is an off-topic conversation, but I do want to address Thomas. We do have the ACH functionality set up, so customers, members, when you go to Illusional.com, you can pay, you can purchase an account and pay via ACH. Yes, or credit card. It is an option back and forth.
[43:13] Patty says that she's currently paying a legal shield just legal shield $49.95 a month, Deb.
[43:22] Deb: Yeah, I cannot legally say that name out loud in my presentation. So that's perfect. Thank you, Patty, for bringing that up. But that is one of the things that you'd want to do, and I'm gonna always encourage you. You know, you don't want to put yourself in the crossfires, and you don't have to with this product because it speaks for itself. But you can always just ask somebody, like if I were approaching you, Patty, I would say, “Okay, Patty, so what are you using for your legal needs right now? Oh, you're using that service. Okay, great. What are you paying for it? Okay, great. Here's what we offer in conjunction with all this other stuff, and it's less.” Would this meet your needs, right?
[43:58] So you don't wanna put yourself in the crossfires of saying this can take that, or you don't need that, you need this, but you don't have to. You don't have to because once they see our legal plan, they're going to know, “Oh, this is exactly what I'm paying money for right now.”
[44:14] Great. I love that. Thanks, Patty. You get the star student for right now for the day.
[44:20] Okay. I am going to just show you really quickly we don't have to get into the benefits because they are some repeats of what was available to the business owner. But when you get a business owner on this plan, they will have maybe one, maybe 14 employees. They might be a business that has 14 employees during the summer and five employees in the winter, right? We all do that. And so this is another amazing part. Okay, stop for me and think for a second.
[44:46] As a small business, just consider the coffee shop down the street or the landscaping business that comes to your door every summer. As a small business, what do you think those small businesses are able to offer to their employees for things like retention and loyalty? Because I can tell you now, it's not hourly pay. Hourly pay right now, employees just want more and more hourly pay because our economy's a little topsy-turvy. Everything's increased more. They're gonna want more and more and more. And small businesses are not growing at the same rate. It's hard to keep up with hourly pay.
[45:23] So how are you attracting, retaining, and keeping loyal employees? This is one of the ways. What if you were to be able to say to them, “I can offer you some additional services and benefits just because you serve coffee at my coffee shop or you're with us every summer with the landscaping. For the time that you're working with me, I can provide it to you, and then when they're no longer with them, they can take them away,” right? So again, Illusional gives you full access on the platform to add in an employee and then to remove an employee. And look at what they get.
[45:56] They get, number one, telehealth. Now we are all very aware of what it does. I just showed you, right? But what if you were to say to your employee, “You cannot offer health insurance too. It's too expensive. It's too much. But you can say, hey, with no insurance, no copay needed, I can give you access 24/7 to a physician if you have urgent care needs, or if your dependents do, or your spouse does.” So number one, that's just the health and well care of your employee. That shows that you care about them. But number two, that also keeps them time on task, right?
[46:33] Instead of my employee going out and taking his seven-year-old son to the urgent care physician to check out whether or not little Tommy has strep that day or not, I can call from my home at my convenience, and then instead of being two and a half hours in a waiting room somewhere, I can be at work sooner. So great for the employee, great for the business.
[46:53] They get those health discounts we talked about. So again, just health savings to help offset the cost of any pharmacy and prescriptions. They also get personal identity theft benefits. So they get that resolution and reimbursement service. If they ever feel like they're a victim of identity theft, they have someone to call who will help them resolve it. And again, just showing that you care about them as a person, but also keeping them on task.
[47:19] Because nothing's gonna take you off task or you need to have a day off of work than like, “Oh, somebody took over my account,” or, “Oh no, somebody took over my Apple ID.” We just got through helping somebody who had their Apple ID compromised, and everything was touched, right? So they could be hours and hours and hours and hours on the phone with Apple, or they could be on a quick phone call with our resolution specialist, and our resolution specialist goes with it.
[47:46] They have 360 access to financial wellness. So again, just providing them all of the financial wellness platform, coaching, courses, training, e-library, all of those things so they can help manage their own finances better. And then accidental death and dismemberment. And once again, this is an insurance policy. It covers your employee, and it covers some of their family members, and it provides that insurance to them without the business owner having to go out and source that and pay for that at a separate rate.
[48:22] So what better to tell somebody, “Oh my gosh, yes, hey guys, guess what? If you come join me, this is what you get as our additional employee benefits.” The fact that a small business could even really offer an employment benefit program is just phenomenal and can speak miles and miles to getting that talent and keeping that talent.
[48:45] All right, and so they can have it. Your employer, the business owner, can actually download this package directly from our platform. And then I also know that when they sign up an employee on the Illusional platform, we are sending them, the employee, a welcome email. So it's not hidden. They don't have to search for it. It's not just a bulletin board thing. And if you use it, great. We are sending an email to the employee saying, “Hey, you have Health Sense now because your employer did that for you, and so go and use the services.”
[49:19] But if the business owner needs it, they can download a package anytime.
[49:26] And then last but not least, you guys, we are not taking the time to show you through today, but everything I just showed you, we have all of this in a mobile app. It's downloadable both on Apple and on Android through Google Play or the Apple Store. It is an exact replica of this site, but it is a mobilized, easy-to-use mobile version of all of this. But all of these benefits are there and available for the business owner to look at or for the employee, if they want to download and use the mobile app for Health Sense, they can do that as well.
[49:59] And again, we give them those instructions. We tell them right here, actually go and download your mobile app because that's what makes it easy and usable on the go. And let's be honest, if you're gonna FaceTime a doctor, you know, you're gonna do that from the phone. You're gonna do that from your camera on your phone.
[50:14] I think I have covered everything and given you all the pieces. And so my biggest question now, I think I would ask it for probably, you know, Vanessa and Tom, is really just to say, you know, what's standing in your way? What obstacle are you thinking in your head? Like, “I don't know how I'd get this in front of additional people,” or “How I'd go out and start the conversation about this,” or “I don't know how to accurately represent what's in there.” What do you need in your hand, or what do you need as wording to go out there and offer this in a very confident way that you know you're bringing the best to these businesses?
[50:57] Well, I'll tell you, I've seen a lot of comments throughout. Everyone's clamoring for the same thing, and I love that we've already solved it. A customer-facing version of a presentation like this. So yes, we are scripting and producing a customer-facing training, presentation, et cetera, for the Business Sense account in-depth, the way Deb has so graciously given it to us today.
[51:22] So I know that's gonna be a powerful tool and explanation and onboarding, like training for a new Health Sense member after an employer adds their employee and they get Health Sense, easing that transition from just getting an email. “Hey, now you've got Health Sense, what does that mean?” Showcasing the benefits and how to navigate the Health Sense area for those Health Sense members. So yes, both of those things are in the works. You know, Vanessa, what'd be interesting to ask out, just if people are talking about it, I'd love to know how long do you think you want that training, that video to be to present this out to the business?
[52:03] Deb: Right, right? Because Vanessa, you and I were talking about that. We had a couple of different mindsets. But it'd be interesting to see if they will shoot you back some answers there about, you know, what do you want? You want a 30-second video presentation? Or do you want the two-and-a-half-minute version? Right, because that's we can cover a lot more differently. Right, but yes.
[52:22] Yeah, Vanessa's right. We, Vanessa and Tom, have already preempted the need for that and have already gotten started on that, and we are currently, like she said, scripting and recording that. They will be professionally recorded with video and overlay conversations. Easy stop and start.
[52:39] I think Deb and Vanessa. I think it would be great if we have like a 30-second video for social media and then a two-and-a-half-minute video for those customers that have already shown interest so they understand what they're getting. Yeah, my two cents.
[52:54] A presentation much more like what we've done today inside for existing customers to help really like they might have been interested in the telehealth, or they might have been interested in the legal, but let's really build the value for them and lock them in as happy long-term customers because we are showcasing and exposing them to, I mean, we had 45 minutes of pure value for zero extra dollars. So they like one thing, if one of these tools, if one of these benefits was worth $40 a month to them, if we're able to say, “Okay, that one thing was worth $40. Here's another 15 amazing things that apply to you and benefit you immediately that we're not asking for another penny for,” right, right?
[53:41] Deb: And what's the old rule of sales? You create the problem and then you solve the problem. So you're going to have no issues finding a problem. But to Vanessa's point, you guys, you're going to talk to some small business organizations or small businesses themselves. They're not even going to think about these things. They've never even thought about the fact that they need legal services or private Wi-Fi or VPN. All they know is I'm having to do my day to day, what I have to get done my day to day.
[54:08] So it might be helping them kind of understand how to create that problem, right? What would you do today if you had need of legal counsel? How would you quickly access it? And then what if I could tell you that within a phone call, you could quickly access that person, and it's at no additional cost, right? So you're not gonna have a problem creating the problem and then helping them solve the problem. And then you're gonna have all the icing on the cake for all the other pieces.
[54:45] Yeah, just to kind of echo what you said there. One thing we wanna remember is, you know, these small businesses, what do large businesses have? They have all of this protection in place, right? Because they know that they understand it, right? They've grown themselves to a level where they are going to have all those data breach solutions and legal services. They have those people on staff. The small businesses don't. So like Deb said, create a problem that they don't even realize that they have. Because it's not a problem until it's a problem, right?
[55:15] So they have this issue, but they just don't even realize that they have it, and that was absolutely spot on. What would you do today? If this happened, if you had a data breach, if you had some reputational issues on the dark web, what would you do? How would you solve that? So create those problems, like you said, and then this is a very, very easy solution.
[55:41] Deb: And if I could be so bold as to say, you hit them where it's personal, and where it's personal for small business is their employees. That's personal, that they are asking someone to come in and work and give effort and time into a business that's probably their passion, not the employee's passion. And so, you know, start with that. Don't be afraid to start with that. We don't shy away from the services that we offer. We make sure that you understand where and how you can offer them. And we don't want you to get into a situation where you're offering something that we cannot provide.
[56:16] Right, but start with that question. “Hey, how many employees do you have? You have four employees? Okay, great. Have you ever thought about wanting to provide them with any kind of health benefit?” And the first thing they're gonna say is, “Well, health insurance is too expensive.” “Yeah. Yeah, I know. It really is. It really is. What if you could provide them benefits for their health and to give them access to physicians? Not insurance, but a really cool way to give them access to a physician, and it's gonna be something that you can cover for them and give them so much more for this price per month.”
[56:48] And then you just start talking about telehealth, right? So again, you know, don't be afraid to go to that level and use that as your opener. We just want you to understand the criteria and the guardrails around it so that you don't promise something like, “Give them Health Sense and they can go see any doctor anytime they ever want to, and it becomes nothing, and they can have no fee for any of their prescriptions,” right? We don't want you to step into that because we are not gonna deliver on that. And then they're gonna ultimately come back to you. But don't be afraid to kind of go to that route and say, “Hey, it's hard right now. What have you thought about? Can we help you do that? It's super easy. Here's how.”
[57:23] But as I am just watching our time, I know we're coming up on time. So I just want to be respectful of that. We're just gonna kind of sit back and see if there's any additional questions or conversations we need to have.
[57:36] No, you've done such an amazing job of covering all of the pain points and giving such, showcasing the value. Like the benefit package is so valuable, but you've been able to shine a light and so succinctly and clearly help us all see it and communicate it well. So I just want to say thank you so much for your time, which I know is very, very valuable. So I'm very thankful to have had you.
[58:03] Deb: Honestly, it's been a while since I've seen a package literally filled with this many services. And so I'm gonna shamelessly plug for a second and say the reason you hear me talk about these services so well and so passionately, and I understand the value, is guess what? I have all of them. If you are listening right now, you need to, this is exactly the first step that you need to take. As an agency, you need to get in. You need to have these services and use them. Again, Illusional has done an absolutely phenomenal job. Tom and team have really thought about how to make this a complete, complete package, and that's how I can talk about them so easily and point to them so easily. That's why I have personal stories about them is because I'm in it, and I'm using it, and I'm a part of it. And then that way I can describe it to you as well. So shameless plug there, but it's true.
[58:56] You're exactly right, Deb. I've always encouraged everybody here, go and subscribe. Invest in yourself on this. Like Deb says, she has these personal experiences. Who on the call would not like to have Deb present to one of their small businesses, right? It's an easy sell for her because she has that personal relationship with the product, right? So, again, I encourage every one of you, go and do this. You know, move around in the app, go ahead and download it on your phone, get it ready to go. Your passion for this product will increase when you have the same thing, Deb, is when you have these stories to tell.
[59:43] And it's not even really a sale at that point. We always say, we don't sell anything, we solve problems, right? You'll find out that these businesses do have problems, so let's figure out a way to go solve for those.
[59:59] Tommy, it sounded like you were volunteering, Deb, to call the small businesses for folks, and I just wanted to clarify.
[1:00:05] I don't think we can afford that.
[1:00:08] Tommy was going to say the same thing. Tommy cannot afford me. It's very, very expensive.
[1:00:14] Yeah, Tommy's saying you can do just as great a job presenting this to small businesses when you are personally invested, personally passionate because you have gotten in there into your account, to you, Sherry's favorite word, played in the application so that you know where everything is. When you can say, like, “Deb, Deb, I know you're not feeling good. I had a sinus infection and was able to talk to a doctor, not miss any work, not for being sick and not for having to go to a doctor's. I got my prescription and my steroid called in, and I had my prescription in my hand within two hours.”
[1:00:48] When you can tell that story, that bridges the gap. That puts you on the same level of what Deb just did for us today. So every single one of you has the tools and the ability, the training, and the know-how to do it. You just have to get those personal stories and that personal connection to it. That's the last step.
[1:01:13] We have answered every single question. I want to thank Tommy and Sherry and Deb so much for your time. We're at the three-minute mark, so I'm gonna say I hope everybody has a fantastic day. We'll see you in the Facebook group. I will get this replay published, and I'm gonna start editing it because I'm gonna use this material to start putting together a Business Sense training for Business Sense customers using all of Deb's wonderful explanations and showcases.
[1:01:41] So I will get to work on that. I hope everybody gets to work connecting with those small businesses. Thank you, Tommy, Sherry, and Deb. I hope you all have a great week.
[1:01:49] Thank you so much, Deb and Sherry and Vanessa. You guys are priceless, all three of you. So thank you.
[1:01:58] Awesome. Thank you. Thank you. Bye. Bye.
