Universal Benefit Plans Combo Sales 101 21st Century Solutions for Today’s Health Insurance Professional

Providing Healthcare Solutions For 22 Years ABOUT UNIVERSAL BENEFIT PLANS We are a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since 1987. Non-captive agents with the knowledge to work for you, not the insurance company. STABILITY 22 years of providing Health and Life Insurance Solutions for the WHAT IF of life!! Over $600 Million Dollars of business..while insuring thousands of families nationwide We have witnessed over a half a billion dollars in claims…we know healthcare, and what you need to protect your family SECURITY Rate protection for 24 months First dollar out patient care Dedicated to paying catastrophic Hospital and Doctor bills 100% With “0” out of pocket Providing income protection for cancer, heart, and accident claims

World-Class Opportunities !! $10,000+ In Monthly Advances $10,000+ In Monthly As Earns In Under 48 Months Management Opportunities Multiple Annual And Quarterly Incentive Trips Multiple Contests & Cash Bonuses Weekly Newsletter Recognition

Why You Can Be Successful? Our Agency Strength & Stability Our Teamwork & Service Our Excellent Product Portfolio A Plan For Every Budget or Condition Multiple Lead Programs That Work Advance Commissions & Residual Income Our Total Commitment to Training & Technology Our Complete Support From Start To Finish

We Make Selling Easy! 95% of our business is done on the internet A Fabulous Tool Box Of Products ! Tiger School 101 Combo Sale Strategy Combo Sales Presentation

Portfolio of Companies AMERICAN REPUBLIC LIFE GUARANTEE TRUST LIFE ASSURITY LIFE TEAM CORP

The “Hat Trick” Presentation It has been in use for “30 Years” It has produced $600 Million Dollars Of Issued Business You do not have to be a experienced “closer” to have success with it !! Can you ask closing questions ? Trust The Presentation!!

WHAT YOU NEED TO KNOW 82% Of All Hospital Admissions Are For; Cancer + Heart Attack + Heart Surgery + Accidents Represents 75% Of All Of All Dollars Spent On Healthcare Six Figure Claims 50% Cause Loss Of Income For 90 Days Or Longer Every Client Knows Someone That Has Had a Critical Illness Event Or Major Accident

As You….GROW!! As you will see on the next few pages..we will talk about “Building The Rate”! In the beginning, there are plans that we recommend..because it is easier having a starting point! As you move forward in your career..you will learn to ask more questions of the prospect..and ultimately focus on the combinations that best fits you! Until then..trust our judgment..and for sure the presentation!

American Republic Packages Plan #1 UC CO-PAY PLAN $3,000 80/20 To $15,000 Plan #2 UC Co-Pay Plan $5,000 80/20 To $15,000 With 24 Month Rate Lock GTL Family CI $25,000/$25,000/$10,000 + $10,000 Family Accident Plan Plan #3 UC Co-Pay Plan $7,500 80/20 To $15,000 With 36 Month Rate Lock Plan #4 UHC $2,500 Co-Pay Select/Unlimited Rx/24 Month Rate Lock TRUST THE PRESENTATION

About Our Worksheet It Gives Our Clients “FOUR OPTIONS” The Worksheet Is Color Coded And Flows With Our Power Point Assume The Sale Ask For The Business Trust the “PRESENTATION”

What You Need To..Quote Health conditions Tobacco Use Medications Height And Weight Who Is Current Carrier??…How Long?? Who Makes The Decision IMPORTANT If You Lost Part Or All Of Your Income Due To An Accident Or Critical Illness For Longer Than 3 Months..Would It Affect Your Family ??

Our Presentation… Sink The Hook Closing begins with your first Statement !! Ask closing questions at each stage of our presentation !! People are creatures of habit…the more you can get them Agreeing With You… The more business you will write !! THE SUCCESS OF OUR PRESENTATION…IS THAT..NO PART IS MORE OR LESS IMPORTANT THAN THE OTHER..IT IS THE SUM TOTAL !! A Chain Is Only As Strong As The Weakest Link Trust the “PRESENTATION”

PPT Page One = Company Overview About Universal Benefit Plans About UBP Stability Security About You In Business For Yourself..But Not By Yourself Trust the “PRESENTATION”

PPT Page Two = Utilization Chart Follow The Points Talk about the need to have 1st dollar OP care and special protection for the catastrophic One represents 88% of all claims The other represents 82% of all hospital admissions and 75% of all dollars spent on healthcare…average 7.6 months of recovery Trust the “PRESENTATION”

PPT Page Three..Knowledge Is The Key Cover each of the 7 points Trust the “PRESENTATION”

PPT Page Four = “Points” Of Need VERY IMPORTANT PAGE Stress the “ Points” EXCELLENT OP 1st DOLLAR CARE ZERO OUT OF POCKET ON; CANCER+HEART+ACCIDENTS CASH FOR INCOME PROTECTION RATE LOCK Trust the “PRESENTATION”

PPT Page Five = Pie Chart 82% Of All Hospital Admissions Represents 75% of all medical expenses Average recuperation is 7.6 months Our Goals Pay 100% + Provide Income Trust the “PRESENTATION”

VERY IMPORTANT Trust the “PRESENTATION” Before You Go To Page SIX Say The Following; Before we get into pricing options, I would like to cover a claim that happened to real people like you and I !! After the claim I will ask you if this was you…would you rather be insured with me or your plan…and all I ask is that you answer truthfully…is that fair enough ?? Go Through The Claim…Page #6 And Ask The Question Trust the “PRESENTATION”

PPT Page SIX…This Could Be You Cover The Claim Ask The Question Go To The Pie Chart Trust the “PRESENTATION”

PPT Page Seven..How We Find You One Legged Stool = How We Find You A Good 80/20 Co-Pay Health Plan Only Three Legged Stool = How We Leave You Co-Pay Health Plan With 3 Options 100%-80/20-70/30 After Deductible Lifestyle First Diagnosis Benefit Lifestyle Accident Plus Plan IF THE PREMIUM IS THE SAME..WHICH STOOL WOULD YOU PREFER Trust the “PRESENTATION”

About Our Worksheet It Gives Our Clients “FOUR OPTIONS” The Worksheet Is Color Coded And Flows With Our Power Point Assume The Sale Ask For The Business Trust the “PRESENTATION”

Phone Script For Leads My name is___ with UBP SEND EMAIL PIECE “You requested information On Line regarding health insurance…” I have been assigned your file…What is your situation? / What would you like to accomplish? let me tell you about us….. We specialize in custom built health plans Through the top 25 carriers in the America And for 30 years have…provided 5 Million per + unlimited..Dr co-pays-wellness-Rx co-pay card..PLUS… Reduced rates 20%-40% Covered all claims for cancer-heart-accidents 100%…with ZERO out of pocket for our clients Plus….We Provide income replacement on catastrophic events…and guarantee the rates for 2 years What would be a good time to custom build your plan ? SEND EMAIL PIECE

Phone Script For Go Leads My name is___ with UBP I’m a health insurance adviser here in_______ let me tell you about us….. We specialize in custom built health plans Through the top 25 carriers in the America And for 30 years have… Reduced Rates 20% To 40% Guaranteed The Rates For Two Years Covered all claims for cancer-heart-accidents 100%…with ZERO out of pocket !! Plus….We Provide income replacement until you can return to work Do all for less premium..would you be interested..yes/no SEND EMAIL PIECE