1. Are You Totally Protected?

2. 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 1988.  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”

3. 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”

4. 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.

5. *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!!

6. 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 ”

7. 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 / 73119 = 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 / 80-20 / $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