Is Your Mortgage & Lifestyle Totally Protected? 1

Mortgage Protection Presentation It has been in use for “30 Years” We don’t need you to fix it..We need you to use it!! If you want to do what's best for a customer..and add thousands to your income! DO NOT CUT CORNERS!!! You do not have to be a experienced “closer” to have success with it !! Can you ask closing questions ? Trust The Presentation..Every Page Is Important !!

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 !!

Page One = Introduction About You Develop A Opening Statement That Will Get Their Attention..And Open With Every Time!! In Business For Yourself..But Not By Yourself We are a team..Our 22 Years Is Also Your 22 Years..Our Top Management Team Has Over 150 Years Of Experience If Your New Say That..you’re a Graduate Of USABG University!! YOUR PART OF AMERICA’S BEST INSURANCE AGENTS “ACT LIKE IT” WOULD YOU HAVE A PROBLEM DOING BUSINESS WITH ME ?? Trust the “PRESENTATION”

Lifestyle Mortgage Protection For 33 Years David L. Collins Division Manager USA Benefits Group Health Plus Of America Division HEALTH INSURANCE EXPERIENCE 33 Years 4000 CUSTOMERS CURRENTLY INSURING 16 Third Generation Families

Page Two = Company Overview About USA Benefit Group About USABG Stability Security BBB + Top Producing Agency + Multiple Carriers Would You Have A Problem Doing Business With Our Company?? Trust the “PRESENTATION”

Providing Health Insurance Solutions for 33 Years ABOUT HEALTH PLUS OF AMERICA DIVISION Nationwide network of insurance professionals serving home owners since 1977. Non-captive agents with the knowledge to work for you!! Not the insurance company. BBB rating of A+ STABILITY 33 years of providing insurance solutions for the WHAT IF of life! Over $450 million in business, while insuring 200,000 thousand mortgages and lifestyles We have witnessed over a billion dollars in claims. We know what you need to protect your mortgage and lifestyle SECURITY Dedicated to paying catastrophic hospital and doctor bills 100% Plus provide income protection for Critical Illness Events Protecting your mortgage / lifestyle for up To 24 months

21st Century Mortgage Protection Follow These Points CANCER EVERY 24 SECONDS 1 in 2 males + 1 in 3 females 55% of confinements + Average recovery of 14 months CORONARY EVERY 29 SECONDS 10% of confinements + Average recovery of 10 months ACCIDENTS 14% of confinements + Average recovery of 8 months CRITICAL ILLNESS #1 CAUSE OF FORECLOSURES 51% of all bankruptcies

Lifestyle Mortgage Protector It’s Not Always The Other Guy! CANCER EVERY 24 SECONDS 55% Of All Hospital Admissions I in 2 males + 1 in 3 females Average recovery 14 months CORONARY ILLNESSES EVERY 29 SECONDS 1.2 million heart attacks & 800,000 surgeries per year 10% Of All Hospital Admissions Average Recovery 10 Months ACCIDENTS There is over 20 million accidents every year 14% Of All Hospital Admissions Average recovery 8 months

OLD Vs. NEW PAGE #5 How We Find You.. One Legged Stool Life Plan Only..Reduces To Zero How We Leave You.. Three Legged Stool LIFE Level Premium And Face For 30 Years CRITICAL ILLNESS Up to $100,000 in each of 3 categories ACCIDENT DISABILITY INCOME Up to $3,000 For 2 Years PAGE #6 COVER THE 4 POINTS OF COVERAGE

Lifestyle Mortgage Protector Plus ASSURITY LIFE Standard Protection Only Death Only DEATH BENEFIT ONLY Lifestyle Protector Plus Critical Illness Plan + Disability Income Life Insurance Return Of Premium CRITICAL ILLNESS DEATH BENEFIT ACCIDENT DISABILITY

LIFESTYLE MORTGAGE PROTECTOR 21st CENTURY SOLUTIONS CRITICAL ILLNESS Pays up to a $100,000 benefit on each insured in these three categories. CANCER + CORONARY + OTHER A 40 year old is 4 times more likely to have cancer before 65 than dying! ACCIDENT DISABILITY INCOME 90 Day wait then $3,000 for two years A 40 year old is 3 times more likely to have a accident disability before 65 than dying! DEATH Pays Mortgage Off If You Die Level Face Amount For 30 Years Guaranteed Premium For 30 Years Accelerated Benefit If Terminal RETURN OF PREMIUM Returns 100% of premium at the end of the term.

What would You Do ?? Real claims…Real people Most survive..but die financially Not One Of These Customers Thought This Would Happen..But All 3 Had These Events Start 9 To 18 Months After They Applied With Our Co. Trust the “PRESENTATION”

!! VERY IMPORTANT !! Trust the “PRESENTATION” Before You Go To Page Seven Say The Following; Before we get into pricing options, I would like to cover a claims that happened to real people like you and I !! After the claims 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 Claims And Ask Your Question Trust the “PRESENTATION”

What if this happened to you. What would you do What if this happened to you? What would you do? 60% USE UP ALL THEIR LIFE SAVINGS BREAST CANCER / $414,137/ $75,000 Bill paid 100% $62,000 lump sum cash for lifestyle protection 10 MONTHS OF LOST INCOME COLON CANCER /$487,000 /$100,000 $72,000 lump sum cash for lifestyle protection 19 MONTHS OF LOST INCOME HEART ATTACK/ $443,000 Bill /$50,000 $42,000 lump sum cash for lifestyle protection 13 MONTHS OF LOST INCOME Our Goals Are Simple Pay The Bill 100% + Provide Income + You Recover