1. USA Benefits Group America’s #1 Online Agency

2. We do the shopping so you don’t have to. 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. 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. Non-captive agents working for you, not the insurance company.STABILITY 23 years of Health and Life Insurance Specialization 23 years of Health and Life Insurance SpecializationSECURITY Working with only the top rated companies as determined by the A.M. Best Company Working with only the top rated companies as determined by the A.M. Best Company Totally secure online platform. HIPAA compliant. Totally secure online platform. HIPAA compliant. Nationwide fully licensed independent agents Nationwide fully licensed independent agentsCOMMITMENT Dedicated to superior customer service Dedicated to superior customer service Annual Reviews Annual Reviews TOLL-FREE CUSTOMER SERVICE Personal and Professional Attention Personal and Professional Attention Knowledge and Dependability Knowledge and Dependability Promptness in Handling Your Requests Promptness in Handling Your Requests

3. A Few Questions to make sure you get what you want. How old are you? Spouses name and age? ____ How old are you? Spouses name and age? ____ How many dependant children will be covered?___ How many dependant children will be covered?___ Does anyone have any pre-existing health conditions?_______ Does anyone have any pre-existing health conditions?_______ Is anyone taking any prescription drugs regularly?__ Is anyone taking any prescription drugs regularly?__ Has anyone been hospitalized in the last 5 years?___ Has anyone been hospitalized in the last 5 years?___ Is anyone currently pregnant? Are you planning a larger family?___ Is anyone currently pregnant? Are you planning a larger family?___ Do you spend more than $350 (individual) or $750 (family) per year on prescription drugs? Do you spend more than $350 (individual) or $750 (family) per year on prescription drugs? Do you go to the doctor more than 7 times (individual) or 14 (family) due to sickness?____ Do you go to the doctor more than 7 times (individual) or 14 (family) due to sickness?____ What is your current monthly cost?___ Have you had any/many rate increase?____ What is your current monthly cost?___ Have you had any/many rate increase?____ Do you have a managed-care plan or HMO plan? Do you have a managed-care plan or HMO plan? What do you like about your current coverage?_____ What do you like about your current coverage?_____ What do you dislike about your current coverage?_____ What do you dislike about your current coverage?_____ What do you feel is the most important reason why you should carry health insurance?______ What do you feel is the most important reason why you should carry health insurance?______

4. Getting Started/ Enrollment Procedure Complete application for health insurance. Submit initial deposit of first month’s premium and an administrative fee. (varies per company) Complete application for health insurance. Submit initial deposit of first month’s premium and an administrative fee. (varies per company) Future premium payments made by Monthly Bank Draft (M.B. D.) Insures your coverage won’t be interrupted because of a missed payment. Other options may vary Future premium payments made by Monthly Bank Draft (M.B. D.) Insures your coverage won’t be interrupted because of a missed payment. Other options may vary 1-3 Week Evaluation Period May be longer depending upon medical requirements 1-3 Week Evaluation Period May be longer depending upon medical requirements Insurance company issues your new policy After your application has been reviewed and approved. Do not cancel previous coverage until approved. Insurance company issues your new policy After your application has been reviewed and approved. Do not cancel previous coverage until approved.

6. Can you afford to be without Health Care Protection? Examples of doctor and hospital expenses* Diabetes Mellitus (73 days of hospital confinement) $ 90,755 Diabetes Mellitus (73 days of hospital confinement) $ 90,755 Cervical Cancer (95 days of hospital confinement) $ 114,147 Cervical Cancer (95 days of hospital confinement) $ 114,147 Closed head injury – vehicle accident (105 days of hospital confinement) $ 152,392 Closed head injury – vehicle accident (105 days of hospital confinement) $ 152,392 Gastritis and acute vascular insufficiency (194 days of hospital confinement) $ 242,427 Gastritis and acute vascular insufficiency (194 days of hospital confinement) $ 242,427 Septic shock due to Weil’s Disease (Multiple hospital confinements) $ 949,583 Septic shock due to Weil’s Disease (Multiple hospital confinements) $ 949,583