Value Benefits of America PRESENTING MEMBERSHIP BENEFITS & VERSATILE HEALTH PLANS THAT WORK

Value Benefits of America Value Benefits of America, Inc., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest to members. To enhance the quality of life for members by offering benefits and discount services for association members. General Agent Center has created innovative health products based on consumer needs and market trends since 1973. Serving over 20,000 agents Nationwide Marketing & Customer Service Department Staffed to Assist Agents

VBA Membership Benefits CallMD Protects you and your family A nationwide network of medical doctors available for UNLIMITED CallMD phone consultations, and where allowed by law may write a prescription for a non-narcotic or non controlled medications at any time day or night. *Non-narcotic or non controlled medications.

VBA Membership Benefits

VBA Membership Benefits Savings on dental, vision & hearing services, prescriptions, lab tests, chiropractic visits, X-rays & imaging and more! Dental Savings of 25%-40% ~ Rx Prescriptions Avg. Savings of 22% Vision & Lasik Savings of 10%-50% ~ Lab Test Savings of 10%-70% X-Rays & Imaging Savings of 10%-80% ~ Hearing Savings of 35%-65% Diabetic Supplies Savings of 15%-48% ~ Chiropractic Savings of 10%-60%

VBA Membership Benefits Association Membership enables us to offer members quality insurance benefits as well as these added cost savings services: Also Save with VBA Dividend Club Savings online at over 400 major chain stores: up to 50% off retail Discounts on travel services, vacations, hotels and car rentals Movie Tickets, movie rentals and theme parks nationwide Dining – save up to 60% at fine restaurants and casual dining

24 Hour Accident Plan Features Pays medical expenses after the deductible up to plan maximum per accident per covered person AD&D up to the plan limit (spouse & children included) US citizenship not required – must be a US resident Issue ages 18 through age 64 (Age 19 – 25 if Full Time Student - Dependents) Coordinates payments with other insurance or pays directly to the insured.

Our Market The 46 Million uninsured in the USA in 2009 Self Employed – Home based companies Small businesses - Without group health Temporary and part timers Service Industry – Restaurants, Hotels, Bars Independents: Truckers, construction, landscaping, barbers, beauticians, nurses, real-estate agents, accountants, insurance agents, etc… Large Employers – don’t want to pay for full major medical Unemployed – Can’t afford COBRA Prior declines - Can’t afford cost of rate ups HSA or High Deductible plan purchasers

Product Versatility Individuals & Families Online Enrollment or One Page Enrollment Form Bank Draft, Credit Card or Group List Billing Guarantee Issue Combine with High Deductible/HSA Plans to fill the benefit gaps in coverage Stand Alone – Great alternative for those that are not eligible for a major medical or who can’t afford it

Plan Brochure Monthly Rates OPTION 1 Individual - $29.95/month Family - $34.95/month OPTION 2 Individual - $39.95/month Family - $44.95/month OPTION 3 Individual - $44.95/month Family - $54.95/month OPTION 4 Individual - $54.95/month Family - $64.95/month OPTION 5 Individual - $74.95/month Family - $79.95/month OPTION 6 Individual - $84.95/month Family - $89.95/month OPTION 7 Individual - $94.95/month Family - $99.95/month

Plan Brochure

Easy on-line Access VBAMembers.com CLICK

Simplified Enrollment

Easy Claims Process

Register for Personal Producer Links Go to www.gacquote.com Click on “Agents” in the blue ribbon on top of page. Click on “Request on-line enrollment Link” Scroll to the bottom and click on “Click Here for Registration Form” Complete the Registration form and then click Submit SEND Email to erik@generalagentcenter.com when you complete registration. (This will ensure you receive your links)

Utilizing Personal URL Link Email URL Link to potential clients Insert URL Link on producer website. URL Link will code new business to specific producer automatically! When a client enters the GACQuote site through Producer URL Link: Producer name, phone number & email will be posted on the top of the page they see. Selling Made Easy

F A Q Draft Date? – 16th of each month. Effective Date? >1st of Each Month Enrollment Forms completed & submitted by the end of month are guaranteed a 1st effective of the FOLLOWING month. Later submissions may be subject to 1st effective of the NEXT, FOLLOWING month. List Bill Effective Date? >1st of Each Month Enrollment forms with payment must be received by the 20th of current month to be effective 1st of following month. Draft Date? – 16th of each month. Changes or Cancellations? >Effective 1st of following month. Must be sent in writing to GAC Received 1st-15th: Cancellation effective 1st of the following month. Received 16th – end of current month: Cancellation effective 1st of the month following the next month. Supplies & Other Questions See your Marketing Director or Contact GAC

Entire presentation for Agent use only. Not for consumer distribution. Thank you for joining us for the Value Benefits of America Product Training Presentation Entire presentation for Agent use only. Not for consumer distribution. Our links at www.vbamembers.com contain exceptions, limitations and details.