1. Are You Totally Protected?

2. 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” Who is USA Benefits Group?

3. *82% Heart Stroke Cancer Accidents All other procedures and surgeries WHAT”S YOUR GREATEST RISK?? CANCER + HEART ATTACKS + STROKES + ACCIDENTS 82% Of Hospital Stays BUT THE OTHER 18% CAN ALSO BE A FINANCIAL SHOCK Our Goal Is To Pay All Claims 100% PLUS Protect Your Assets

4. USABG TOTAL PROTECTION PLUS HEALTH + GAP DEFINED BENEFIT PLAN + ACCIDENT + KARE 360 MAJOR MEDICAL ACA SILVER PLAN UNLIMITED BENEFITS KARIS PATIENT ADVOCATES PHYSICIAN VISITS + WELLNESS BENEFITS + PRESCRIPTION DRUGS $10,000 ACCIDENT PLAN FLIC GAP PLAN COVERS R&B + SURGERY + ICU + Anesthesia

5. Male Age 48-Accident / Major Burns / 69 Days In The Hospital / 3 Surgeries Total cancer medical cost$440,000.00 Deductible-Expenses-Lost Wages $22,000.00 Karis Kare 360 Discount $6,800.00 FLIC GAP PLAN PAYMENT$39,000.00 PAID ADDITIONAL CASH BENEFIT $23,800 Mortgage + Loans + Living Expenses WITHOUT TOTAL PROTECTION $22,000 OUT OF POCKET

6. Female Age 42 / Breast Cancer / 49 Days In The Hospital / 3 Surgeries Total cancer medical cost$440,000.00 Deductible-Expenses-Lost Wages $22,000.00 Karis Kare 360 Discount $6,800.00 FLIC GAP PLAN PAYMENT$34,000.00 PAID ADDITIONAL CASH BENEFIT $18,800 Mortgage + Loans + Living Expenses WITHOUT TOTAL PROTECTION $22,000 OUT OF POCKET

7. EMERGENCY ROOM VISIT FOR BROKEN ARM ER Room & ER Doctor cost$3,880.00 Paid by Major-Medical0 Deductible-Expenses-Not Covered $3,880.00 Accident Plan payment$3,630.00 Accident Plan payment $3,630.00 FLIC Plan payment$1,370.00 FLIC Plan payment $1,370.00 EXCESS CASH $1,120.00 PAID YOUR PLAN $3,880 OUT OF POCKET

8. WHEN A CRITICAL ILLNESS OR ACCIDENT HAPPENS How Would You Want To Be Insured STANDARD PROTECTION OR TOTAL PROTECTION HEALTH INS. PLAN Total Protection Plan Health Insurance Plan Gap Plan Accident Plan Karis Kare 360 Plan Standard Protection Health Insurance Plan Only GAP PLAN KARIS KARE 360 ACCIDENT PLAN

9. ACA SILVER PLAN UNLIMITED BENEFITS $1,000 / 80-20 / $6,350 + FLIC GAP PLAN = $131 + VBA ACCIDENT PLAN = $69 + KARIS KARE 360 = $16 ZERO OUT OF POCKET TOTAL PROTECTION USABG TOTAL PROTECTION PLUS Will Schroer Family / 73119 = 54 / 52 ACA SILVER PLAN + CUL GAP PLAN + ACCIDENT PLAN + KARE 360 ACA SUBSIDY = $754.00 $1,219 NET STANDARD PLAN ACA SILVER PLAN UNLIMITED BENEFITS $1,000 / 80-20 / $6,350 NO DEDUCTIBLE NO DEDUCTIBLE UNLIMITED Doctor Visits 100% Coverage On Wellness STOP LOSS $6,600 / $13,200 $1,011 NET 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

10. Enrollment Procedure Getting Started Getting Started  Although ACA Plans are Guaranteed Issue you still have to go through an enrollment procedure. We must submit personal information to the insurance company including your income and whether you are a smoker or non-smoker. Some Non-ACA Plans have a short list of health questions. Initial Deposit  Most plans require that you submit your first months premium up front as a good faith deposit. Some plans have a one-time application fee in addition to that. Your New Policy is Issued  When your enrollment is approved you will be given an effective date of coverage. Of course, your first month’s premium will be paid up. Future Premium Payments  Starting the second month your premium will be paid through a monthly bank draft. This guarantees that your policy will be in force if and when you need it in the future.