1. Is Your Mortgage & Lifestyle Totally Protected?1

2. 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 !!

3. 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 !!

4. 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”

5. 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

6. 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”

7. 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

8. 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

9. 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

10. 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

11. 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

12. 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.

13. 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”

14. !! 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”

15. What if this happened to you. What would you do
What if this happened to you? What would you do? % 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