1. Universal Benefit Plans Combo Sales st Century Solutions for Today’s Health Insurance Professional

2. 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

3. 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

4. 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

5. 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

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

7. 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!!

8. 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

9. 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!

10. 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

11. 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”

12. 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 ??

13. 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”

14. 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”

15. 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”

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

17. 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”

18. 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”

19. 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”

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

21. 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 %-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”

22. 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”

23. 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 PIECE

24. 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 PIECE