What Team Corp Means To You My Personal Production Since 2005

1. USA BENEFITS GROUPGUARANTEED ISSUE HEALTH PLANSDavid CollinsEagle DivisionTEAM CORP BASIC TRAINING

2. What Team Corp Means To You My Personal Production Since 2005 6 Sales Per Month X 12 = 72 X 5 Years = 360 X 81% = 292 292 X $260 Average Dues = $75,900 In Dues $75,900 X 20% = $15,184 MONTHLY MAIL BOX MONEY This Is A Great Business

3. Team Corp 30 Years Of Experience With Ownership Career Advantages • Superior Products • World-Class Customer Service • Easy Online Enrollment • 100% Guaranteed Acceptance • Vested Company Direct Contract • Level Commissions For Life • Weekly Advances • Lead Credit Program ($50) • Six Figure Renewals In Under 48 Months • My Top Producer Is $35,000 Per Month

4. Know All The Carriers Read Member Handbook..Know Everything Know Website / Client Video Know Karas Group / View Video Know Caremark Rx Calculator Know Your Product

5. KNOW YOUR PRODUCT USA+ & TEAM CORP CORE BENEFITS Daily Hospital Confinement Benefit Intensive Care Unit Benefit Surgery And Anesthesiology Benefit Doctor Office And Wellness Accident Benefits Retail Rx Benefits + Caremark Rx Ameritas Dental Ameritas Vision Guaranteed Issue Term Life Karis Group Advocates + Direct Labs + Call MD Optum Nurse Line + Care Flight + Bridge Health

6. About USA+ - Team Corp - USABG USA+ United Service Association for Health Care GROUP POLICY HOLDER USA+ - United Service Association For Health Care, a not-for-profit corporation, was founded in 1983 in Washington, D.C. to benefit the lives of individuals, families, the self-employed, small business owners and their employees. Team Corp was founded in 2005 to be the exclusive marketing company for USA+ USABG founded in 1988 top producing USA+ agency for 23 years! HIGHLIGHTS 100% Guaranteed Acceptance No Health Questions No Underwriting Easy Online Enrollment Membership packages include fully insured superior group policies and cost containing association benefits World-Class Customer Service We have had a relationship for 32 years with the ownership of USA+

7. USA+ Group Policy Holder Group Health Benefits These benefits are underwritten by United States Fire Insurance Company Group Term Life Coverage provided under a Group Term Life Insurance Policy issued by ReliaStar Insurance Company, a member of the ING USA Life Group Group Dental And Vision Benefits These benefits are provided to USA+ Members by a group Dental Expense policy issued to USA/HC by Ameritas Life Insurance Corp. Group Rx Benefits These benefits are provided to USA+ Members by Fidelity Security Life.

8. Understand Pre-Existing Conditions A Pre-Existing condition is any condition for which you have received treatment, taken medication, or have had treatment recommended during the immediate previous 12 months and are not covered for one year. After the first year, you are covered for all benefits, and for all conditions You are covered from day one for all benefits, including hospitalization and surgery, for any other conditions All other plans will not cover any pre-existing conditions for anytreatment for a period of one to two years. Team Corp is different: your pre-existing conditions are covered from day one for: Rx + Doctor Visits + Annual Wellness Exam + Blood Profile after 60 Days

9. Points To Remember INSURANCE We Sell Policies Customers Pay Premiums TEAM CORP We Sell Memberships Customers Pay Dues IT IS WHAT..IT IS !! Don’t Over sell. Don't Under sell.

10. 10 Commandments To A Sale Find the Right Prospect Work Smart + Work Smart Leads = Ages 50 To 63 Call The Prospect Size-up the Prospect’s Situation Establish Your Credibility Give Presentation / Set Appointment If You Set Appointment / Send Email PDF Template Check Iboomerang To Verify It Was Opened Do Your Homework Present Features & Benefits Close the Sale (Assume the Sale)

11. Phone Script For Leads • My name is___ with Team Corp Direct • “You requested information On Line regarding health insurance…I have been assigned your file…because I specialize in; Very affordableGuaranteed issue health plans for The un-insurable! Folks that have already been declined by companies/or know they would be for; cancer-diabetes-heart attacks-heart surgery…ETC. • BUT KNOW THAT THEY CANNOT AFFORD THE HRP!!! • Are you looking for coverage to start right away?? What are your challenges?Not covered now..WHY..uninsurable or price..QUALIFY ON PRICE!! Our plan includes;“ZERO DEDUCTIBLE”Hospitalization and Surgical Benefits “ZERO DEDUCTIBLE” Dr. Co-Pays + Wellness Benefits + Blood Profile We also include Dental-vision-Accident plans Retail Rx co-pays on Generic Drugs WHEN CAN I CUSTOM BUILD YOUR PLAN??

12. Script For Go Leads / “B” Leads • My name is___ with Team Corp Direct • I specialize in; Very affordableGuaranteed issue health plans for The un-insurable! Folks that have already been declined by companies/or know they would be for; cancer-diabetes-heart attacks-heart surgery…ETC. • BUT KNOW THAT THEY CANNOT AFFORD THE HRP!!! Our plan includes;“ZERO DEDUCTIBLE”Hospitalization and Surgical Benefits “ZERO DEDUCTIBLE” Dr. Visits + Wellness Benefits + Blood Profile We also include Dental-vision-Accident plans Retail Rx co-pays on Generic Drugs COULD ANYONE YOU KNOW USE MY SERVICES??

13. Additional Tips • IF YOU SET APPOINTMENT: • We have the best plan in the country for folks with extreme health conditions. but I don’t even like to discuss it until you’ve read our member handbook and viewed 2 customer videos. That way you can write down your questions based on facts /not promises. Does that make since to you/and are you willing to do that?? GREAT. is this your email. the info is sent!! • I need you to do something for me. get all drugs that you take and email me the correct spelling/dosage so I can research how much we will be able to save you. usually it is $150+ per month!! • Get a commitment That they will follow through with their commitment to do what they promised..and will cancel their meeting if not interested!! • IF THEY HAVE NO COVERAGE: • QUALIFY AS TO WHY / UNINSURABLE OR PRICE?? • DON’T LET THE TAIL…WAG THE DOG !!

14. The Next 13 Pages USABG Eagle Division Team Corp Presentation It Works..If You Work It

15. USA BENEFITS GROUPGUARANTEED ISSUE HEALTH PLANSEAGLE DIVISIONPROVIDING HEALTH INSURANCE SOLUTIONS FOR 32 YEARS

16. USA+ & USA BENEFITS GROUP GOALS Make You Aware Of All Your Options Pick Your Best Option Based On Affordability Place Your Business With Companies We Trust Earn Your Business For Life

17. About USA+ - Team Corp - USABG USA+ United Service Association for Health Care GROUP POLICY HOLDER USA+ - United Service Association For Health Care, a not-for-profit corporation, was founded in 1983 in Washington, D.C. to benefit the lives of individuals, families, the self-employed, small business owners and their employees. Team Corp was founded in 2005 to be the exclusive marketing company for USA+ USABG founded in 1988 top producing USA+ agency for 23 years! HIGHLIGHTS 100% Guaranteed Acceptance No Health Questions No Underwriting Easy Online Enrollment Membership packages include fully insured superior group policies and cost containing association benefits World-Class Customer Service We have had a relationship for 32 years with the ownership of USA+

18. USA+ CORE BENEFITS Daily Hospital Confinement Benefit Intensive Care Unit Benefit Surgery And Anesthesiology Benefit Doctor Office And Wellness Accident Benefits Retail Rx Benefits + Caremark Rx Ameritas Dental Ameritas Vision (VSP) Guaranteed Issue Term Life Karis Group Advocates + Direct Labs + Call MD Optum Nurse Line + Care Flight + Bridge Health

19. Benefits On A Hospital Confinement Daily Confinement Benefit $1,000 / $2,000 Per Day For 31 Days Intensive Care $2,000 Per Day Days 2-31 Surgery Up To $10,000 Anesthesiology 25% Of Surgery Benefit Beech Street Hospital PPO Network 25% To 50% Re-Pricing Karis Patient Advocacy Group Negotiates Deep Additional Discounts Before = 50% To 60% Discounts After = 30% Discounts

20. General Care Benefits Doctor Office Visits $105 reimbursement any Doctor No waiting period for PEC 5 visits max per person (10 visits per family) Annual Wellness Visit $105 co-pay in-network $75 reimbursement for lab Physical Therapy 10 Visits At $25 Hospice Benefit 20 Days At $100 Per Day Karis Group Patient Advocacy

21. Fidelity Security Life Rx Benefit $1,500 Annual Maximum $200 annual deductible per person $15 co-pay for 30 day supply $45 co-pay for mail order 90 day supply CVS Caremark Rx Benefit 50% Discounts On Brand Name 90 Day Mail Order We have been successful many times at saving a new client more money on their Rx costs than the actual cost of their membership.

22. Accident Medical Benefits Excess Accident Expense Benefit $200 deductible $5,000 benefit Helicopter Rescue $4,000 per occurrence, worldwide coverage Accidental Death & Dismemberment $10,000 member

23. Ameritas Group Dental Plan No deductible for Preventative Services $50 deductible for Basic Services Benefits paid according to schedule $1,000 max. per person, per year No waiting period Dental rewards increases maximum Use less than $500 in benefits Increase your maximum by $250 Use any dentist nationwide Or reduce costs with a network provider

24. Ameritas Vision Plan VSP Free eye exam per year, per person 20% discount on frames & lenses Up to 25% discount on laser surgery 32,000 VSP providers nationwide Flat reimbursement out-of-network

25. Guaranteed Issue Term Life Pays the beneficiary $10,000 upon the primary Member's death.  This amount is doubled if the loss of life is due to an accident Member becomes eligible for this benefit 90 days after the membership effective date. Coverage provided under a Group Term Life Insurance Policy issued by ReliaStar Insurance Company, a member of the ING USA Life Group. All benefits are controlled by the termsand conditions of the group Policy. Not available in ID, NH, NC, VT or WV.

26. Association Medical Benefits • Direct Labs • Free Annual Comprehensive Exam • Includes blood count, liver, kidney, thyroid, lipids, bone & minerals, fluids & electrolytes, and diabetes profiles • 60 day waiting period for this benefit $400 To $700 Dollar Value • Call MD • Toll-free access to doctors • Who can write a non-narcotic prescriptions • Saves Office Visits

27. Association Medical Benefits • Optum Nurse Line • Toll-free access to a registered nurse 24/7 • Bridge Health • Negotiated savings of 50% or more • Medical financing program available • Care Flight • Bed to bed fixed-wing air ambulance

28. Optional Medical Benefits • CUL Gap Plan • Adds $6,000 Additional R&B Benefits Over The First 6 Days Of A Confinement • Adds A Per Cause Accident Plan • CUL Cancer Plan • Adds $10,000 First Diagnosis Benefit For Cancer • Covers Actual Charges For Mastectomy Surgery • Covers Actual Charges For Bone Marrow Surgery • Pays Unlimited Daily Indemnity Benefits

29. Your Pre-Existing Condition A Pre-Existing condition is any condition for which you have received treatment, taken medication, or have had treatment recommended during the immediate previous 12 months and are not covered for one year. After the first year, you are covered for all benefits, and for all conditions You are covered from day one for all benefits, including hospitalization and surgery, for any other conditions Most all other plans will not cover any pre-existing conditions for anytreatment for a period of one to two years. Team Corp is different: your pre-existing conditions are covered from day one for: Rx + Doctor Visits + Annual Wellness Exam + Blood Profile after 60 Days

30. USABG Eagle Division Plan Options • SA 2000 • First Month Plus Enrollment = $470 • Thereafter = $370 • Drug Savings = $190 • Net Dues = $180 • SA 1000 • First Month Plus Enrollment = $410 • Thereafter = $310 • Drug Savings = $190 • Net Dues = $120 • Optional Benefits • CUL Gap Plan = $30.06 • CUL Cancer Plan = $45.00