Are You Totally Protected?

Who is USA Benefits Group? About the Company  USA Benefits Group is a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since  Non-captive agents working for you, not the insurance company  26 years of Health and Life Insurance Specialization  A+ rating with the Better Business Bureau  Representing top-rated companies as determined by A.M. Best About Your Agent  USA Benefits Group Eagle Division Manager since 2004  4000 Customers  16 Third Generation Families  CHU certified since 1998  37 Years Of Providing insurance Solutions For The Question: “Are You Totally Protected” “Are You Totally Protected”

What Is Your Greatest Risk? CANCER / HEART ATTACKS / ACCIDENTS / STROKES  The fear of CANCER / HEART ATTACKS / ACCIDENTS / STROKES were the top Four conditions listed that concern our customers the most!! WHAT ARE YOURS?? WHAT ARE YOURS??  There are four big reasons that these conditions should concern every family;  82% Cancer + Heart Attacks + Strokes + Accidents  82% of all hospital confinements are related to the 4 most common catastrophic Events: Cancer + Heart Attacks + Strokes + Accidents  These Claims Average Including Lost Wages, $16,500 Out Of Pocket!!  They Are Also The Number One Cause Of Bankruptcies In America  75% had health insurance + 70%40%  75% had health insurance + 70% of patients use up their savings! + 40% of those, also max out credit cards! 100% and Provides Income Protection!!  Our Total Protection Plus Plan pays all these claims 100% and Provides Income Protection!! WHICH WOULD YOU RATHER FOCUS ON?? “RECOVERY OR FINANCES”

Typical Example  Deductible & Co-insurance$6,350  Uncovered medical expenses$2,000  Unexpected expenses$2,150  Lost income for patient$6,500  Total Out-of-Pocket Expenses$17,000 *These amounts represent average out-of-pocket expenses incurred due to a critical illness. Actual amounts could be higher or lower depending upon circumstances.

*82% Heart Stroke Cancer Accidents All other procedures and surgeries STATISTICS FOR HOSPITAL CONFINEMENTS *AMERICAN HOSPITAL ASSOCIATION What’s Your Greatest Risk?  68% of all hospital confinements are related to the 3 most common critical illnesses  14% of all hospital confinements are related to accidental injuries.  18% All Other Events  Our Goal Is To Pay All Claims 100%  Provide Income On Critical Illnesses And Accidents  YOU RECOVER WITHOUT WORRY!!

How Would You Want To Be Insured When A… CRITICAL ILLNESS OR ACCIDENT HAPPENS Standard Protection Or Total Protection MAJOR MEDICAL ONLY Negotiates Discounts Averages 50% Audits All Bills + $10,000 CI $10,000 Accident / $100 $10,000 AD&D TOTAL Protection Plus United Health One STM Medical Plan + KARIS GROUP Negotiates Discounts Averages 50% Audits All Bills + CENTRAL UNITED LIFE GAP PLAN $5,000 + $1,000 + $500 + TC TRI-MED $10,000 CI $10,000 Accident / $100 $10,000 AD&D STANDARD Protection ACA BRONZE PLAN Major Medical ”ONLY” Health Insurance ”ONLY” Less Coverage Less Security CRITICAL ILLNESS FAMILY SECURITY 100% ACCIDENT PLAN “ FOUR PLANS ” TOTAL PROTECTION TOTAL PROTECTION PLUS 100% Coverage Income Protection 100% Coverage Income Protection MAJOR MEDICAL “ ONLY ”

UH1 STM PLUS $5,000 80/20 / $7,000 + KARIS PATIENT ADVOCASY NEGOCIATES OUT-OF-POCKET EXPENSES AVERAGE 50% REDUCTIONS + CUL PATRIOT SUPPLEMENT $5,000 + $1,000 + $500 + TEAM CORP TRI-MED $10,000 + $10,000 + $10,000 TOTAL PROTECTION PLUS USA BENEFITS GROUP TOTAL PROTECTION PLUS Will Schroer Family / = 54 / 52 UH1 STM PLUS + CUL SUPPLEMENT+ TC Tri-Med + KARIS $505 ZERO OUT OF POCKET PLUS INCOME STANDARD PLAN ACA BRONZE PLAN UNLIMITED BENEFITS $5,500 / / $6,350 WITH Supplemental Accident NO DEDUCTIBLE NO DEDUCTIBLE 4 Doctor Office Visits 100% Coverage On Wellness $6,350 STOP LOSS $1,060 $6,350 STOP LOSS USABG EAGLE DIVISION OUR GOALS ARE VERY SIMPLE PAY THE BILLS 100% A Check is Better.. Than A Get Well Card PROVIDE INCOME + YOU RECOVER A Check is Better.. Than A Get Well Card