 Celebrating our 21 st year  Pioneers in selling insurance online  Member of the Better Business Bureau (Zero Complaints Since Inception)  Alliance of top MGAs nationwide  Independent agents marketing together under one name: USABG  Produced over $300 million in sales  Produced $24 million in AV in 2008  Goal of $34 million in AV for 2009 “A+” Rating

 Ability to meet with clients “virtually” face- to-face  Advanced proprietary AV Tracking System  Extensive ongoing training program in the industry  Ongoing contests, bonuses and incentive trips

Sub - Standard Risks Preferred & Standard Risks

Critical Illness Plans Supplemental Accident Rapid Decision Term Life Short Term Medical Dental Standard Life Insurance Senior Products

Invest $150 to $250+ per week Earn $5,000 to $20,000+ per month *We do not expect a check in order for you to start working with us. These amounts show suggested marketing investments necessary in order to be successful. Multiple Streams of Income Dual Marketing Strategy

 Internet Leads ◦ Shared vs. Exclusive ◦ Filtered, Uninsurable and Proprietary  Telemarketed Leads ◦ Small businesses who are contacted by 3 rd party vendors who are solely your prospect  Direct Dial/Predictive Dialing ◦ Prospective clients are contacted through an automated service and are directly transferred to you once they initiate the transfer by pushing the 1 button

Year 1Year 2Year 3 Advance Commissions $90,096$95,502$101,232 Earned Commissions $3,604$3,820$4,049 Renewal Commissions $0$5,730$6,074 Association Commissions $4,050$4,172$4,297 Other Products $2,500$2,750$3,000 Marketing Credits $2,703$2,865$3,037 Total $102,953$114,839$121,689

$30.00/each issued World app $15.00/each issued United Health One, Colorado Bankers, and American National app $50.00/each app with $100 enrollment fee $30.00/each app with $30 enrollment fee $25.00/each issued app

 8-part initial New Agent Training ◦ Lead Generation ◦ Selling online ◦ Combo sales, etc.  Write 4-8 applications or more each week  Earn $100K or more each year

Break down your geographic barriers by selling online using the exceptional tools we have for our agents. With full electronic submission, you can help your clients enroll from anywhere on earth!

Gas Office Space No Shows Car Maintenance Dry Cleaning Total Monthly Cost $800 - $1,200 Selling Online Total Monthly Cost $99.95

Web Conference Tool USABG Subsite Your online store front Template Tool Online letter shop for personalized e- mails Business Responder Tool Send out s automatically up to 10 years Short Cut Tool Shortcut URL for your subsite or web conferencing Contact Management Tool Agent Database POWER DIALER Connects you to your leads instantly! Be the first agent to contact every lead! NEW

 Access to Discounted Proprietary Leads  FREE  FREE Errors & Omission Insurance (E&O)  FREE  FREE Continuing Education  FREE  FREE Training Programs  FREE/DISCOUNTED  FREE/DISCOUNTED Web-Tools Package  Proprietary Referral Program  Member of the BBB

 High speed internet access  Web enabled sales tools  Unlimited long distance  Toll-free phone number  Fax machine or software  Headset for your phone  LEADS! LEADS! LEADS!

 Complete Training Program using the USABG Training Calendar ◦ *New Agent web training (8 parts) ◦ Daily product trainings  Attend Weekly Sales Meeting Online ◦ *Every Monday at 11:00 a.m. EST  Invest $150 - $250+ each week for leads  Uphold USABG High Ethical Standards *Required as a USABG Signature Agent

 Go to: ◦ Select your name from the dropdown box and enter your address to complete your enrollment ◦ Electronically sign the Signature Agent, Free E&O and Non- Disclosure Areas ◦ Select your initial training dates and choose which companies you are interested in ◦ Once enrolled, your Recruiting Manager will contact you to discuss your contracting and commissions based on your background and experience