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Learning The Presentation Health Plus of America Division

Learning The Presentation Health Plus of America Division. Your Presenter. DAVID L. COLLINS Executive Vice President INSURANCE EXPERIENCE 32 Years $25 MILLION PERSONAL PRODUCTION 4000 Clients

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Learning The Presentation Health Plus of America Division

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  1. Learning The PresentationHealth Plus of AmericaDivision

  2. Your Presenter DAVID L. COLLINS Executive Vice President INSURANCE EXPERIENCE 32 Years $25 MILLION PERSONAL PRODUCTION 4000 Clients 87% COMBO SALES

  3. Our Core Companies • HEALTH • UnitedHealth One • Humana One • They Create Premium Space • SPECIALTY PRODUCTS • Colorado Bankers • VBA Accident Plan • GTL Critical Provider • GTL Accident Plan • Assurity Products

  4. The Combo Sale Presentation • It has been in use for 33 years • Every page is important! • If you want to do what's best for a customer – and double your income – Do Not Cut Corners! • Personal Production $25 Million • Agency production $450 million • You do not have to be an experienced closer to have success with it • Can you ask closing questions? Trust the Presentation!

  5. 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 one part is more or less important than another. It is the sum total!

  6. Page One = Introduction • About You • Develop an opening statement that will get their attention, and open with it 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 you’re new, say that you’re a graduate Of USABG University! • You’re part of America’s Best Health Agents! Act like it! • Would you have a problem doing business with me? Trust the Presentation!

  7. Your Agent USA BENEFITS GROUP DAVID L. COLLINSExecutive Vice PresidentHEALTH INSURANCE EXPERIENCE33 Years/4000 Customers$25 Million of issued business MEMBER National Health Underwriters Association NATIONAL QUALITY AWARD 22 TIMES CURRENTLY INSURING16 Third Generation Families

  8. Page Two = Company Overview • About USA Benefits Group • Stability • Security • BBB • Top producing agency • Multiple carriers • Would you have a problem doing business with our company? Trust the Presentation!

  9. Providing Health Insurance Solutions for 22 Years • About USA Benefits Group • Nationwide network of insurance professionals serving small business owners and the self-employed since 1987. • Non-captive agents with the knowledge to work for you, not the insurance company. • BBB rating of A+ • Stability • 22 years of providing insurance solutions for the WHAT IF of life! • Over $300 million in business, while insuring thousands of families nationwide. • We have witnessed over a half a billion dollars in claims. We know health care, and what you need to protect your family. • Security • Dedicated to paying catastrophic hospital and doctor bills 100%. • Plus provide income protection for CANCER + HEART + ACCIDENTS. • 82% of all admissions + average 7.6 months of recovery.

  10. Page Three = Choose Benefits You Need • Follow the 5 Points • One confinement every 20 years • 82% of all hospital admissions are critical illness or accident • 7.6 months of recovery with total or partial loss of income • 52% of all bankruptcies…59% had health insurance • 60% of all claims are less than $1,000. Talk about the need to have 1st dollar outpatient care I’m sure that you would want these claims covered at 100% and also have cash to replace lost income! Trust the Presentation!

  11. An individual can expect a major claim (excluding maternity) once every 20 years The American Hospital Association states that of these hospital admissions, 82% are due to either critical illness (68%) or accidents (14%) Average 7.6 months of recovery with total or partial loss of income 75% of all healthcare dollars are spent on these claims and 52% of all bankruptcies are caused because of them – even though 59% had health insurance But60%of all medical claims are less than $1,000,so you need excellent 1st dollar outpatient care including, doctor visits, wellness and unlimited Rx benefits Choose Benefits That Meet Your Family’s Needs

  12. Page Four = What If Of Life • Very important page! • Cancer stats • Heart stats • Accident stats Trust the Presentation!

  13. The What if of Life • Cancer Every 24 Seconds • 50% of families use up all or most of their savings • In the last 10 years the survival rate has gone up 30% • Heart Attack/Heart Surgery/Every 29 Seconds • 1.2 million heart attacks & 800,000 surgeries per year • Accidental Injuries • There is an accident every minute in the US that requires ER treatment or a hospital stay • 2 Million hospital stays per year • 30 Million ER visits per year due to accidents • Plus over 30 million doctor visits • Average of 7.6 months of recovery • 60% Use up all their savings

  14. Page Five = “Points” Of Need • MAKE OR BREAK PAGE • Stress the Points • Cover EVERY point • Excellent outpatient 1st dollar care • Unlimited Rx + Unlimited Wellness • Zero out of pocket on Cancer + Heart + Accidents • Cash for income protection • If I can get you all of these benefits at an affordable rate, would we be able to do business?

  15. Points to Ensure You Get What You Need This is our “Solutions Plus Plan” • We Have unlimited lifetime benefits • We Have unlimited doctor office visits • We Have unlimited wellness benefits paid at 100% with no wait • We Have unlimited Rx benefits • We Give you 100% of all PPO discounts to help cover out-of-pocket expenses 68% OF ALL CONFINEMENTS ARE CRITICAL ILLNESS 14% OF ALL CONFINEMENTS ARE ACCIDENTS • We Pay the deductible for CANCER then cover claims at 100% , plus provide $42,000 cash so you can recover • We Cover ACCIDENTS at 100% IN or out of hospital Unlimited • We Pay the deductible for HEART ATTACK then cover claims at 100%, plus provide $42,000 cash so you can recover • PLUS WE DO THE SAME ON 12 OTHER CRITICAL ILLNESSES

  16. Page Six = USABG Solutions Plus • How we find you…One Legged Stool • Co-pay health plan only • How we leave you…Three Legged Stool • Copay health plan • Unlimited doc + Rx + wellness • 2 year rate lock + reducing deductible • First diagnosis benefit • Death benefit • Accident disability income • Which stool would you prefer?

  17. USABG SOLUTIONS PLUS United Health One Colorado Bankers VBA Benefits ALL THESE BENEFITS FOR THE SAME OR LESS PREMIUM! WHICH STOOL WOULD YOU PREFER ? MAJOR-MEDICAL TYPICAL HEALTH PLAN CRITICAL ILLNESS ACCIDENT 80/20 HEALTH PLAN 100% ON ACCIDENTS UNLIMITED LIFETIME UNLIMITED Dr + Rx + Wellness $50,000 FIRST DIAGNOSIS CANCER + HEART 14 TOTAL CONDITIONS $10,000 ACCIDENT PLAN Max OOP $250 80/20 HEALTH PLAN ONLY LIMITED LIFETIME

  18. !! VERY IMPORTANT !! • Before you go to page seven, say the following: • Before we get into pricing options, I would like to cover some claims that happened to real people like you and me. Afterwards, I will ask you if this was you, would you rather be insured with me or with your current plan. All I ask is that you answer truthfully. Is that fair enough? • Go through the claims on page seven and ask your question Trust the Presentation!

  19. Page Seven = What Would You Do ? • Real claims…Real people • USABG experience with claims • 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 company • So, if this were you, would you rather be insured with me or where you’re at now? Trust the Presentation!

  20. What if this happened to you? What would you do?60% OF FOLKS USE UP ALL THEIR SAVINGS! USABG SOLUTIONS PLUS OUR GOALS ARE CLEAR Pay The Bills 100% Provide Income + You Recover $314,137 Breast Cancer/$75,000 On Diagnosis • 65 days of confinement and 3 surgeries • Bill paid 100% + $62,000 lump sum cash for living expenses and to recover • 10 MONTHS OF LOST INCOME $442,427 Heart Attack/$50,000 On Diagnosis • 2 surgeries and staff infection • 94 days in the hospital • Bill paid 100% + $42,000 lump sum cash • 13 MONTHS OF LOST INCOME $387,000 COLON CANCER/$100,000 On Diagnosis • 55 days of confinement and 3 surgeries • Bill paid 100% + $72,000 lump sum cash for living expenses and to recover • 10 MONTHS OF LOST INCOME

  21. About Our Worksheet • Three Options • STANDARD + COMPLETE + PREMIER • Color coded and flows with our presentation • Pink = Outpatient care • Grey = Rx • Yellow = Major Medical • Blue = Family Security / Asset Protection • Assume the sale • Ask for the business Trust the Presentation!

  22. GOLDEN RULES OF COMBO SALESWhat You Need To Do To Be Successful • Stay Committed • Stick To The Program • Use The Worksheet And Quote The Total Premium NEVER-NEVER-NEVER QUOTE HEALTH OR CI SEPERATELY TRUST THE PRESENTATION

  23. Your Agent USA BENEFITS GROUP DAVID L. COLLINSExecutive Vice PresidentHEALTH INSURANCE EXPERIENCE33 Years/4000 Customers$25 Million of issued business MEMBER National Health Underwriters Association NATIONAL QUALITY AWARD 22 TIMES CURRENTLY INSURING16 Third Generation Families

  24. Providing Health Insurance Solutions for 22 Years • About USA Benefits Group • Nationwide network of insurance professionals serving small business owners and the self-employed since 1987. • Non-captive agents with the knowledge to work for you, not the insurance company. • BBB rating of A+ • Stability • 22 years of providing insurance solutions for the WHAT IF of life! • Over $500 million in business, while insuring thousands of families nationwide. • We have witnessed over a billion dollars in claims. We know health care, and what you need to protect your family. • Security • Dedicated to paying catastrophic hospital and doctor bills 100%. • Plus provide income protection for CANCER + HEART + ACCIDENTS. • 82% of all admissions + average 7.6 months of recovery.

  25. Choose Benefits That Meet Your Family’s Needs An individual can expect a major claim (excluding maternity) once every 20 years The American Hospital Association states that of these hospital admissions, 82% are due to either critical illness (68%) or accidents (14%) Average 7.6 months of recovery with total or partial loss of income 75% of all healthcare dollars are spent on these claims and 52% of all bankruptcies are caused because of them – even though 59% had health insurance But60%of all medical claims are less than $1,000,so you need excellent 1st dollar outpatient care including, doctor visits, wellness and unlimited Rx benefits

  26. The What if of Life • Cancer Every 24 Seconds • In the last 10 years the survival rate has gone up 40% • Heart Attack/Heart Surgery/Every 29 Seconds • 1.2 million heart attacks & 800,000 surgeries per year • Accidental Injuries • There is an accident every minute in the US that requires ER treatment or a hospital stay • 2 Million hospital stays per year • 30 Million ER visits per year due to accidents • Plus over 30 million doctor visits • Average of 7.6 months of recovery • 60% Use up all their savings

  27. Points to Ensure You Get What You Need This is our “Solutions Plus Plan” • We Have unlimited lifetime benefits • We Have unlimited doctor office visits • We Have unlimited wellness benefits paid at 100% with no wait • We Have unlimited Rx benefits • We Give you 100% of all PPO discounts to help cover out-of-pocket expenses 68% OF ALL CONFINEMENTS ARE CRITICAL ILLNESS 14% OF ALL CONFINEMENTS ARE ACCIDENTS • We Pay the deductible for CANCER then cover claims at 100% , plus provide $42,000 cash so you can recover • We Cover ACCIDENTS at 100% IN or out of hospital Unlimited • We Pay the deductible for HEART ATTACK then cover claims at 100%, plus provide $42,000 cash so you can recover • PLUS WE DO THE SAME ON 12 OTHER CRITICAL ILLNESSES

  28. USABG SOLUTIONS PLUS United Health One Colorado Bankers VBA Benefits ALL THESE BENEFITS FOR THE SAME OR LESS PREMIUM! WHICH STOOL WOULD YOU PREFER ? MAJOR-MEDICAL TYPICAL HEALTH PLAN CRITICAL ILLNESS ACCIDENT 80/20 HEALTH PLAN 100% ON ACCIDENTS UNLIMITED LIFETIME UNLIMITED Dr + Rx + Wellness $50,000 FIRST DIAGNOSIS CANCER + HEART 14 TOTAL CONDITIONS $10,000 ACCIDENT PLAN Max OOP $250 80/20 HEALTH PLAN ONLY LIMITED LIFETIME

  29. What if this happened to you? What would you do?60% OF FOLKS USE UP THEIR LIFE SAVINGS! USABG SOLUTIONS PLUS OUR GOALS ARE CLEAR Pay The Bills 100% Provide Income + You Recover Knowing Your Bills Are Paid $314,137 Breast Cancer/$75,000 On Diagnosis • 65 days of confinement and 3 surgeries • Bill paid 100% + $62,000 lump sum cash for living expenses and to recover • 10 MONTHS OF LOST INCOME $442,427 Heart Attack/$50,000 On Diagnosis • 2 surgeries and staff infection • 94 days in the hospital • Bill paid 100% + $42,000 lump sum cash • 13 MONTHS OF LOST INCOME $387,000 COLON CANCER/$100,000 On Diagnosis • 55 days of confinement and 3 surgeries • Bill paid 100% + $72,000 lump sum cash for living expenses and to recover • 10 MONTHS OF LOST INCOME

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