12856820 - ameriplan® usa · financial independence. ... while getting my eyes examined at a...

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CONTENTS THE EDITOR’S DESK CONTESTS

HUMAN INTEREST

This may seem like a strange question, but there is anexplanation behind it. There is an old expression,“How do you eat an elephant?” which is thenresponded to, “one bite at a time”. The message hereis that no matter how big your challenge, it is possibleto conquer if you break it down into small, consumableportions. It is this way in life and it is this way inbuilding financial freedom with your AmeriPlan®

business.

© 2007 AmeriPlan®. All rights reserved. AmeriPlan® VISION December 2007 21

How Big is Your Elephant?

Barry Friedman, CFPSenior Vice President of

Marketing & Business Development

The Editor’s Desk1 From Brent Goodwin2 NVP Profile

Name the Newsletter 3 Meet Your DSM4 From Julia Baker

Provider Relations5 AmeriPlan® Corporate Profile

AmeriPlan® Fee Schedule Map6 Featured Market8 RSD/SRSD SuperStar Promotion

10 November Spotlight12 Prescription Advocacy Program13 Referrals Build Your Business14 Support our Troops16 From Derric Farruya17 IBO Benefits18 Business Builders19 AmeriPlan® Council of Eagles20 Sales Aids21 Contests

General Contest Rules & Regulations

A monthly publication of AmeriPlan® Corp. 5700 Democracy Drive, Plano Texas 75024469-229-4500

Publisher - Dennis Bloom, Board Chairman/CEO

Editor - Barry Friedman, CFP,Sr.VP Mtktg./Bus.Dev.

Associate Editor - Heather Medina

Creative Director - Wilbert Bell

Sr. Designer - Karen Spieler

Proofreader - Jacquelynn M. Mumm

Contributing Writers - Barry Friedman, CFP, Sr.VP Mtktg./Bus.Dev. Brent Goodwin, VP Sales & MarketingMark Dixon, Dir. Corp. CommunicationsJulia Baker, Sr.VP Provider RelationsDerric Farruya, Nat’l Mktg. Dir.- MGR & Group

Contributors - Todd Wilson, Jim Hardin, Linda Rowden, Connie Summitt

Editorial inquiries / reprints of articles and/or to submitarticles, photos, or other information, please mail themto: Attn: Editor at AmeriPlan®, 5700 Democracy Drive,Plano, Texas 75024.

Letters to the Editor: We welcome your comments andsuggestions. We reserve the right to edit letters for grammarand length prior to publication.Please include your name and address with anycorrespondence.

CONTACT INFORMATIONAdministrative Office: 469-229-4500Sales: [email protected] Sales Manager – Western Division – Todd Wilson

Executive Assistant – Gabe [email protected] 469-229-4007

Divisional Sales Manager – Northeast Division – Linda RowdenExecutive Assistant – Scott Laws

[email protected] 469-229-4037

Divisional Sales Manager – Southeast Division – Jim HardinExecutive Assistant – Joseph Kerr

[email protected] 469-229-4024Nat’l Marketing Director of the MGR Program & Group Sales -

Derric Farruya: [email protected] 469-229-4023Newsletter – Editor: [email protected] Support: 469-229-4501, option #3IBO Benefits: [email protected]

Application Fax: 469-229-4589Accidental Death & Dismemberment: 800-647-8421

[email protected] & Credit Card Services: 800-550-9726Pending: 469-229-4013Mailing Address: 5700 Democracy Drive, Plano, Texas 75024

* Please check IBO Support under Customer Service for a complete list of contact information

Let me explain what I mean by that. Let us assume that your goal is inline with the goals of many of our AmeriPlan® business partners, and thatis to get to a six-figure residual income and financial freedom in two tofour years. O.K., that $100,000.00 residual income is your elephant. Inreality, it could be a bigger elephant or a smaller elephant and that is whyI have asked the question, “How big is your elephant?” You know where Iam going with this, don’t you? First step is to determine how big yourelephant is. Got it? Have you got your elephant in mind now? Good, wewill proceed.

For the sake of our message here, I will use the $100,000.00, but you cankeep your elephant in mind the rest of the way. If we are looking at the$100,000.00 elephant, let’s define the digestible bites as $250.00. Well,here we go … can you determine what you have to do to generate that$250.00 per month from your business? Once you have determined whatto do, can you get out and do it? Let’s say that you can…and this monthyou did … Good, you are on your way. Next month all you have to do isthe same thing over again. And the next month and the next month forthe four years that you have said that you are willing to do it to gainfinancial independence. Remember, you never worked any harder thanyou did in the first month and you never worked any smarter either. Youjust kept on plugging along and here it is four years later and you have asix-figure residual income. Now it is very simple, but clearly it is not veryeasy. It takes discipline, dedication, persistence and hard work, but if youwant it bad enough, you can do it.

Think about it. Determine the size of your elephant. Figure out what youhave to do and what size “bite” you have to take each and every month.Get out there and do it in month one, and then do it over and over againuntil you are there. It sure feels good when you have finished yourelephant. Just ask those IBOs who have devoured their elephants and aretoday living the life that so many of us just dream about. If they can doit, so can you … can’t you?

“Naming Convention ‘08”We asked you to help us name this newsletter and you responded withsome incredible suggestions and we found a winner!

As a result we have decided not to let you off the hook just yet. Keep yourthinking caps on and keep the creative ideas rolling in with a name/themefor the next annual convention. That’s right! We have been working hardto make the next convention the biggest and best ever and we are givingyou the opportunity of giving it a name. If you will remember, this pastconvention was “Partners in Prosperity.” What will be the name of the ’08Convention?

To make it not only fun, but rewarding, the winning name will be honoredin the newsletter and the lucky winner that submitted the winningname/theme will receive *ONE FREE CONVENTION REGISTRATION aswell as on-stage recognition at the Convention!!

But hurry! The contest for the winning name/theme for Convention ’08ends December 14h.

If you are interested in submitting a name/theme for the convention,please email it to: [email protected]

Contest announcement is listed on the convention website:www.ameriplannationalconvention.com

* Correction from October newsletter:In the October newsletter issue we announced the winner would receive free registration at the convention for two people. The free conventionregistration is for one person and one person only. The winner is responsible for additional registrations and free registration is non-transferable.

My Battle with Anorexia

I recently gave a speech to doctors at Johns Hopkins with a testimonyabout how having a mental disorder of anorexia has impacted my life. Iopened my first corporation when I was 20 years old. In less then15years I was the owner of the largest porcelain doll company on the eastcoast. I also opened a large limousine company. My limos were used inthe Presidential Inauguration. They also transported the Orioles &Baltimore Colts to and from the Baltimore/Washington Internationalairport. I was on the cutting edge of a seven figure income.

Life was moving too fast. I developed an anorexia disorder. Thebusiness started failing. Even though I had 20 people assembly mycreations, I lost my desire to create new dolls. During a bout ofhospitalization I signed my business over to my husband. Within a fewshort months he sold everything I owned and had worked for. Hebought a large yacht and filed for divorce. I was devastated. At this timemy children were young adults. I eventually lost the house toforeclosure. I was too ashamed to tell my children I had nowhere to live.It was dead winter and I slept in my jeep for days. Because I thought Iwould freeze to death I moved in with my 18 year old son. Later I wasable to move into low income housing.

My daughter had given me a computer for an early Christmas present.I went on line looking for a job. Because I have always had my owncompany and I know what dedication it takes to grow a successfulbusiness. I looked for a home based business. I stumbled acrossAmeriplan®. Wow, has it changed my life! I now have great health. Myfinances are coming together. I have been on many training andleadership calls each week. I believe in Ameriplan®. I have a passion forthis business. As I embark in Ameriplan® quitting has never been anoption.

Dee Bates

My “WHY”

I was introduced to AmeriPlan® in October 2003, by Lorraine Dooleywhile getting my eyes examined at a LensCrafters in Atlanta, GA. Sheapproached me and after a brief conversation; Lorraine gave me abrochure and obtained my contact info. Prior to our meeting in Aprilof 2002, my wife, Delores, was diagnosed with a rare and almostunheard of form of cancer in her sinuses and needed three surgeries.One to split her face down the middle to remove her right sinus, inaddition a 4 X 12 inch skin graft was taken from her left leg to placeon her face, and finally, her right eye was removed because we weretold would lose it anyway once the radiation treatments began. Thiswas followed by seven weeks (five days a week) of radiationtreatments.

Delores attended opportunity briefings and training, despite hercontinuous pain. We also attended a national convention and fallconference together. She would take pain medications daily for fiveyears. We continued to build our Ameriplan® business. During themonth of October, 2006, Delores had a bad cold, which turned out tobe pneumonia. She went to the hospital and they said she had fluid onher lungs. The doctors removed the fluid and discovered lung cancer.This resulted in eight additional radiation treatments and four chemotreatments. In the mist of all of this, Delores continued to maintain herpositive uplifting spirit. Delores gave up her battle with life four dayslater, on June 6, 2007. However, I continued to build the business,even in her absence. Friends and family came by our home to mournwith me and I would place a DVD on about Ameriplan®. I enrolled afamily friend and a relative at my home. The relative immediatelyenrolled her daughter over the phone. My WHY only became stronger?Delores' legacy continues today as I build this business in her absence.My WHY is still strong as "WE" climb the "stairway to success"!

Anthony Dixon

FROM BRENT GOODWIN

The ability to lead does not consist of just onequality but actually takes on many faces. Wedescribe qualities of leadership with terms likeconfidence, perseverance, humility, strength,passion, integrity and consistency.

The subject of this article is derived fromhumility or, simply stated, putting othersbefore oneself. In this issue we focus onrecognition. More importantly, we will focus onthe importance of recognition within yourorganization.

Before writing this article, I thought about theword RECOGNITION. It is made up of twoparts, the prefix “re” and the word cognition.The dictionary defines “re” as meaning “again”.Cognition is defined using terms like insight,awareness, acknowledgement and validity.

Recognition, then, is a way to AGAIN andAGAIN reinforce the actions of the recipient asvalid, accepted, appreciated and worthwhile.

I can still remember 17 years ago, standing onstage in front of 4,000 faculty members andstudents at Harding University. The school wasrecognizing me and two other student athletesfor achieving All-American status in football.When my name was called I started gettinggoose bumps and there was an incredibleelectric feeling throughout my entire body.

Then my mind took me back to when I wasstanding in front of my 2nd grade classroomwhile 20 children applauded me for winning theclass spelling bee. I remember feeling the sameway I did on the stage at Harding University.

Recognition is powerful; people will striveharder just to be able to experience thatfeeling. It does not matter if the recognition isfor a major achievement or a smallaccomplishment. Recognition edifies, justifiesand lends credibility to the notion that whatyou are doing is good. As one great leader in

our industry has said, many people will workfor recognition more readily than for money.

AmeriPlan® leaders understand this conceptand work hard to recognize their organizationsat all levels. A prime example of this is NationalVice President Janie Jones. Janie grasped therecognition concept early in her AmeriPlan®

career. Janie says, “When I started, I wouldrecognize as many people as I could for asmany things as I could think of. As theorganization grew bigger, other leaders in theorganization took over the lesser recognitionwhich left me time to focus on the greaterrecognition.” Janie utilizes conference calls,emails and online newsletters to recognizemembers of her organization.

Janie also uses small promotions to add morerecognition in her organization but makes sureshe communicates with her leaders first.“When I run a promotion, I call all of my leadersfor input. This is not just my organization, it’sour organization. I want the whole team to bepart of the planning.”

Taking it one step further, Janie also recognizesIBOs that have not yet reached their goals butare close. She says, “We want to recognizethose that are close to give them that littleextra bit of encouragement to finish.” This is akey point because recognition will not onlyedify but also encourage people to do more.

AmeriPlan® has recognition programs for pinlevels, earnings levels and production levels.We recognize achievers using conference calls,newsletters and major events such asConvention. If you truly want to build a strongbusiness, do your part at recognizing ALLaccomplishments within your organization.You do not have to spend a lot of money but itdoes require spending time. This, however, istime well spent. Here is a good rule of thumb:Spend a dollar on the prize, but add a thousanddollars worth of recognition.

20 AmeriPlan® VISION December 2007 1

Recognition: A Key to a Successful Business

Brent GoodwinVice President of

Sales & Marketing

“… recognition

will not only edify

but also encourage

people to do more.”

~ Janie Jones

In the first issue of this new Newsletter weintroduced the “Find your IBO number”promotion. We have placed throughoutthis newsletter 6 boxes - each containing anumber:

This is a current, active IBO number …and it might be yours! Look throughout thenewsletter for these boxes. If you find a

box with your number, contact your DSMand let them know. They will in turnvalidate the number and if it is indeed you,you will win $50.00 in Sales AidCertificates – Bloom Bucks to redeemfor any sales aids that you wish.

Please check it out and win your $50.00 inBloom Bucks. We have not received many

responses to this promotion, which meansthat either you are not reading theNewsletter, not paying attention to theboxes with the numbers in them or youjust don’t have any interest inparticipating. We will run the numbers forthis issue and one more to see if we do getresponses; if we do we will continue, if notthe promotion will end. It is up to you.

0 1 2 3 4 5 6 7S A M P L E

ACE Council Frequently Asked Questions

Q. What is this year’s qualification period? What about afterthis year?

A. This year the contest begins June 1, 2007 and ends May30, 2008. Winners are recognized at our NationalConvention each June/July.

Q. When will the ACE for this year be recognized?

A. At our next National Convention ~ June 25-29, 2008.

Q. Can an IBO be a member of multiple ACE Councils?

A. Yes!

Q. Suppose a couple doing business together qualifies forthe ACE IBO Council, will the couple be awarded oneprize or two?

A. One

Q. How many IBOs do I need to personally have active toqualify for this years ACE IBO Council? (June 1, 2007 –May 30, 2008)

A. 40

Q. Do all IBOs recruited during the qualification periodcount for the ACE IBO Council?

A. Yes. All IBOs personally recruited during the qualificationperiod count, regardless of the level at which they join,as long as they are active on May 30, 2008.

Q. What if I personally recruit an IBO during the ACEcontest period who cancels prior to the end of thequalification period? Does that IBO count for the ACEIBO Council?

A. No. The IBO must be active on May 30, 2008.

Q. Do Member to IBO upgrades or IBO to memberdowngrades count for ACE?

A. Member to IBO upgrades count as member for the ACEMember Council, IBO to member downgrades count asIBOs for the ACE IBO Council.

Q. How many individual members do I need to Sign up andhave active to qualify for this year’s Member Council?(June 1, 2007 – May 30, 2008)

A. 80

Q. What if I sign up a member during the ACE contestperiod who cancels prior to the end of the contestperiod. Does that member count for the ACE MemberCouncil?

A. No

Q. If Groups are signed up, does this count toward ACEMember Councils?

A. No. Only individual members count.

Q. Do I have to be present at the National Convention toreceive my ACE awards?

A. No, but of course you’ll want to be there to participate inthe exciting recognition we have planned.

AMERIPLAN COUNCIL OF EAGLES ~ ACE

The ACE Council is looking

for you!

Will you qualify?Recruit 40 or more new IBOs to qualify for theACE IBO Council or sign up 80 or more newmembers to qualify for the ACE MemberCouncil. Prizes and stage recognition areawarded to all ACE qualifiers. The top tenqualifiers receive individual recognition andspecial recognition goes to first, second, andthird place.

Contest begins June 1, 2007 and ends May 30, 2008.Groups do not qualify. Please visit IBO Support forcomplete rules and regulations.


for you!

NVP PROFILE

Meet Joe and Carol Garvey, AmeriPlan’s fourthcouple to make National Vice President. Theirteam, The Legacy Team has molded the Atlantamarket into one of AmeriPlan’s top markets.Atlanta is exploding with new IBOs andmembers!

In 1997, Joe Garvey answered a local MarkJarvis ad and the rest is history. At the timeJoe was in insurance and financial services andhis wife Carol was transcribing medicalrecords. Now ten years later the Garvey’s areearning a residual income in excess of $300,000annually.

Joe and Carol believe that anyone can havesuccess. Focusing on the IBOs who really wantto make it happen is important and that’s whythe Garvey’s work closely with their downline,cradling them until they are able to do itthemselves. Both believe in getting their teammembers to commit and not to just TRY,Timidly Rejecting Yes. “It’s a step-by-stepprogression,” Joe says. When asked if theyever thought about quitting the Garvey’s said“Many times. What kept us from quitting waseach other. Often people are looking for

success to come fast and come often. Startinga business takes time. AmeriPlan gives you thetools; all you need to do is drive it to success.”Both give their team the support andrecognition they deserve. Joe and Carol believein building a strong foundation and gettingreferrals. Carol says “referrals are an instantwarm market.” From the beginning theybelieved in AmeriPlan® and wanted to be partof it. In ten years the Garvey’s have nevermissed Convention and the events that follow.Both look forward to these events to spreadtheir knowledge and experience to IBO’s acrossthe country. Carol is a born teacher, believingin her IBOs, hoping for them and makingconnections. Their goal is to have eight more$100,000 earners on their front-line.

If you’re ever in Atlanta, Georgia be sure to joinThe Legacy Team for the Annual AtlantaAmeriPlan® Picnic held in September whereIBOs and their families engage in cook-outs,outdoor activities and everyone’s favorite, aride on The Duck, an amphibian sight seeingcraft. Joe and Carol also hold their annualChristmas and News Years celebrations at theAmeriPlan® Regional office.


Joe and Carol Garvey - GA

Joe & Carol GarveyNational Vice Presidents

Matthew WolcottSenior Regional Sales Director

Vacaville, CA

“referrals are

an instant

warm market.”

NAME THE NEWSLETTER!As you have probably noticed, this month our newsletter issporting its new name. We would like to thank each and everyone of you that submitted an entry in our name the newslettercontest. We had hundreds of suggestions, many of themexcellent, some just fun, others really off-the-wall. No matterwhat, the esteemed judges experienced a great deal of stress incoming up with a winner. We all wish that everyone could havewon, but that was just not possible. After hours of deliberationand many cups of coffee or Coke, a final decision was reached.

As you see on the cover, the name chosen was “Vision”. Wefelt that this name best represented what AmeriPlan® is allabout and what you are all about. If it wasn’t for the Vision ofour Founder’s there would be no AmeriPlan®, if it weren’t forthe Vision of Mark Jarvis, Dale Brooks and so many others inthe early days, there would be no AmeriPlan®. If it weren’t forthe Vision that so many thousands of our IBOs had over thepast fifteen years, there would be no AmeriPlan®. If it weren’tfor the Vision of the hundreds of dedicated support staff atCorporate, there would be no AmeriPlan®.

Therefore, we came to the conclusion that if it weren’t forVision in the past there would be no AmeriPlan® today, and wewant that Vision to carry us forward to bigger and better thingsin the future. That’s it folks, your new newsletter is now,“AmeriPlan VISION”, thanks to Matt Wolcott, our winner.

Congratulations, Matt!

“Aside from the obvious tie to one of ourcompany’s benefit plans; ‘Vision’ is a forward-thinking statement that signifies clarity. Thisapplies both to current noteworthy develop-ments but also to the great future that we arelooking forward to, both as a company and asIBO’s. We all need to have a clear vision tosucceed in our endeavors.”

“I’m so grateful AmeriPlan® gave thisopportunity! I love being part of a companythat’s not afraid to put bonuses like this outthere. I am fully committed to AmeriPlan®, Ihave staked my entire future on it and I’velearned that when the company puts moneyon the table, you take that blessing! Thankyou for giving me the chance!”

~ Matthew Wolcott

“Vision” is the gift to see what others only dream~ author unknown

If you don’t have “Vision,” nothing happens~ Christopher Reeves

The world of tomorrow belongs to the person whohas the “Vision” today ~ Robert Schuller

SALES AIDS

The AmeriPlanner features:n Personal Information Page n Weekly Planner – with the following pages:

Monthly Business Expenses – In order for you to deduct yourbusiness expenses, the IRS requires that you keep a record ofyour expenses

Monthly Business Mileage – Keep a record of the Mileage thatyou travel for business activities

Month-at-a-Glance – Get a quick view of your entire month’sactivities.

Notes – Keep track of what you need to know for future follow-up, meetings, telephone conversations, events, etc.

n Phone / Address – A through Z alphabetical tabs for keepingpersonal information.

n Presentation Guide – A brilliant, full-color product andopportunity presentation for use with your prospects.Designed to help you close each transaction and recruit thehighest quality Independent Business Owners (IBOs)

n Fee Schedules – Fee Schedules for each of the three fee zones.

n Marketing Area Directory – The areas in which we have dentalproviders and the fee schedule that applies to that area.

n Provider Directories – Contains a voucher that you can redeemthrough Corporate Distribution for a complete providerdirectory for your marketing area.

n IBO Benefits – Gives complete details of the AmeriPlan IBOBenefits Program along with how to use the listed benefits

Are you organized?

If not, get organized with the new

This valuable tool holds a key tobuilding your A meriPlan® business

Please visit the AmeriPlan® Sales Aid Store on IBO Support to order your 2008 AmeriPlanner now!!

Are you organized?


2008 A2008 AmermeriPlanner iPlanner This valuable tool holds a key to

building your A meriPlan® business

4 0 2 7 3 4 0 1

BUSINESS BUILDERS MEET YOUR DSM

Jim Hardin has been an integral part of theAmeriPlan® family since joining us inSeptember, 2001. He is our Divisional SalesManager for the Southeast Division of the U.S.(Alabama, Arkansas, Florida, Georgia, Kansas,Louisiana, Mississippi, Missouri, Nebraska,North Carolina, Oklahoma, South Carolina, andTennessee) which includes this month’sfeatured market – Atlanta, Georgia. In his 25years of business experience, Jim worked forindustry leaders Mary Kay for eight years andBeautiControl for ten. Over his career Jim hasdeveloped a strong background in salesmanagement and human resources. Prior toentering the network marketing industry, Jimwas a successful executive with both Searsand Dr. Pepper.

Jim, “Big Dog” as he is affectionately known byfriends and co-workers, takes great pride inthe professional and personal relationship thathe builds with each and every IBO. Hisexperience gives him an exceptional ability tobuild a rapport with IBOs from allbackgrounds, and his year of expertise affordshim the strength and knowledge to findfavorable solutions to all challenges.

On a personal level, Jim’s weekends are funand family-filled. He and his wife, Diane,celebrated their 41st wedding anniversary inSeptember. Jim and Diane have four children,Angie, Trey, Wendy, and Tim who is deceased.The Hardin family lives in the DFW metroplexwhich provides them the opportunity to spenda lot of quality time together. They regularlyenjoy time with their seven grandchildren:Logan, Brenden, Caden, Gannon, Nolan,Kannan, and Ryan who range in age from nineyears old to six months. On weekends Jimattends his grandchildren’s cheerleading,soccer, baseball or football games and if he’snot watching the grandchildren play sports,he’s playing one of his passionate sports – golf.During football season, you’ll find Jimwatching his favorite college team, NotreDame, or his favorite pro team, the DallasCowboys! Jim is a steak and potatoes guy wholoves traveling with his wife. Their favoritedestination is Cabo San Lucas. Around theholidays the whole family gathers at theHardin house for good food and family fun andwhen it’s all said and done, Jim’s out like a dog,taking a nap … hence the name “Big Dog.”


Business Briefings Jim Hardin

NameTitle

Jim HardinDivisional Sales Manager

Southeast Division

This is the first in a series of profiles on the AmeriPlan®

Divisional Sales Managers. We feel very strongly that we havethe best team in the industry and we know that you agree.

Western Division:TODD WILSON

Divisional Sales [email protected]

Gabe FloresExecutive Assistant

[email protected]

Northeast Division:LINDA ROWDENDivisional Sales Manager

l [email protected]

Scott LawsExecutive Assistant

scott [email protected]

Southeast Division:JIM HARDIN

Divisional Sales Managerj [email protected]

Joseph KerrExecutive Assistant

[email protected]

Arizona

California

Colorado

Hawaii

Idaho

Nevada

ConnecticutDelaware

IllinoisIndiana

IowaKentucky

MaineMaryland

MassachusettsMichigan

Alabama

Arkansas

Florida

Georgia

Kansas

Loiusiana

Mississippi

Missouri

Nebraska

North Carolina

Oklahoma

South Carolina

Tennessee

MinnesotaNew Hampshire

New JerseyNew York

OhioPennsylvania

VirginiaWashington D.C.

West VirginiaWisconsin

New Mexico

Oregon

Texas

Utah

Washington

From time to time we get a variety of requestsand/or comments about the best way to buildyour business, particularly when you are juststarting out. Sometimes we are asked forscripts, or cd’s of people makingpresentations. Other times we get request forexplanations of how the leaders do theirbusiness and what kind of presentation eachone makes when presenting the program orthe business opportunity. Our answer rarelychanges, because the circumstances rarelychange. First of all, when we look at theleaders in the field and try to arrive at astandard presentation, we have a hard time.While the message always follows the sametrack the presentation is as varied as thosedoing the presentation. This fact makes itvery hard to give on standard outline thatwould work for everyone.

What we have found to be the most successfulmethod over time to learn what to say andhow to say it is attendance at as manybusiness briefings as possible. Thecombination of the live presentation and theprofessional quality DVD seems to be the mosteffective. There is also the positiveenvironment and the personal testimonialsthat are being shared at a business briefingthat helps to crystallize the facts into acohesive and effective presentation. All in all,it is very hard to do better than theinformation and attitude that comes out of abusiness briefing. Our recommendation is togo to a number of briefings to listen and learn

from the experts. Take what you have learnedand practice until you are very comfortablewith your presentation. Volunteer to do someof the live portion of the presentation onceyou feel comfortable and confident. Do it overand over until it becomes automatic and anintegral part of you. You should not have tothink about what you are going to say or howyou are going to say it by then; it should justbe perfect each and every time.

In addition to the business briefings, you mayalso want to initiate three-way calls with yourupline leader or trainer. This is anopportunity to hear another aspect of apresentation. You invite the prospect and letthe leader make the presentation. You mayfind this method of selling and learningparticularly useful when you do not haveready access to business briefings. No matterwhat, you can always find a way to getplugged in to someone or an event that willmove you in the direction of success in yourAmeriPlan® business. In time you will be theone that others are turning to for support andguidance.

Used the Dental Plus® prescription card September 19, 2007Levaquin original prescription cost: 120.60Her final Cost: 0.00!!She had to pay nothing!

Thanks AmeriPlan®!!Beth T

“We saved big!! I was in the hospital ICU for two weeks and regularroom for one day. The bill was $14,958, called the Patient Advocateand faxed two forms back and the bill was discounted down to$950.00 and put us on a $50.26 a month payment plan. Now is thatawesome or what! We saved tremendously. Thank you Ameriplan®”

P. Susan & Garyl S.

Because someone has dental insurance does not mean they are fullycovered. My boys were on Delta Dental at the time and had justgotten their 2nd cleaning for the year when we found out our 4yr oldhad two cavities. They asked me to bring him back and my co-paywould be $24.00 to cover the visit. While drilling they noticed twomore cavities forming behind the original two. So, we said go aheadand fix those as well. After we are done I went to the front desk topay and I was given a total of $313.50!! Turns out he had exceededhis $500.00 yearly limit after his 2nd filled cavity. I asked the frontdesk to give me a price with my AmeriPlan® card on the 2 cavitiesnot covered. So, she did and it turned out I ONLY paid $200.50 vs.the $313.50! I saved $113.50 by using our AmeriPlan® card at aPediatric Dentist!

Susan G, ESD

FROM JULIA BAKER

PROVIDER RELATIONS

IBO BENEFITS

With AmeriPlan’s exciting NEW IBO Program; you can shoponline and save money while earning AmeriCredits towardyour purchases on the AmeriPlan® Sales Aid Store; just thinkabout it...what a Great way to Earn AmeriCredits!

The AmeriPlan® AmeriCreditSaver.com website is veryintuitive; you can find just about anything that you mightneed or want. Whether you are comparing satellite servicesagainst cable TV vendors, locating a belt to fix a brokenwashing machine, planning a special vacation or furnishing anew office, this site will save you money. If you are buying newappliances, furnishings, or electronics for your home, andmuch, much more, this site will save you money. Remember,while you are shopping and saving, you are actually earningAmeriCredits. AmeriPlan’s AmeriCreditSaver.com is yourspecial place.

AmeriCreditSaver.com has carefully researched and selected the bestvendors and offers available online. At the same time, everything youpurchase through this site will earn you AmeriCredits from AmeriPlan®.There are more than 700 vendors supporting this site. The more you shop,the more AmeriCredits you will receive. This is one more way thatAmeriPlan® is “Delivering on the Promise™”.

All you have to do to start earning today is simply log on towww.americreditsaver.com and enter your email address or your IBO ID#and state to insure that you will receive AmeriCredits from all purchasesthat you make.

AmeriCreditSaver.com is an exclusive benefit for you!!!

Everyday the AmeriPlan® Provider RelationsDepartment receives calls and emailsregarding acquiring more providers in certainareas. Sometimes those calls are from areasconsidered less than a major market area ormay be in an area/state that is resistant tobuilding healthcare networks. As you haveheard me say before, there are just some areaswe and other network-based companies willalways find difficult to build a suitableprovider base.

However, many times even in major markets,potential providers will ask, “How manymembers do you have in my area?” They willthen inquire about existing providers andcalculate whether being an AmeriPlan®

provider will be beneficial in growing theirpatient base. If we have only a few membersand 2-3 “like” providers, they may not see anyadvantage to being part of the network. Theresult is no additional providers.

Now, this is beginning to sound like the old“which comes first, the chicken or the egg?”question, but it is really a dilemma that wecannot ignore when recruiting our networkproviders. I know the focus for some IBOs is toconcentrate solely on acquiring new IBOs ontheir team, but let me tell all of you thatMEMBERS are the foundation of AmeriPlan®.Yes, you need to build your sales team, but themembers are your “bread and butter”. If youdon’t have members, how can yousubstantiate the necessity of your product?

Most of you, when talking to IBO prospects,use facts about the need for alternative accessto healthcare, i.e., 47 million without healthcare coverage and AmeriPlan’s 15+ years as aleader in the consumer driven dental /healthcare market. If I were an IBO prospectand you were trying to bring me on board, Iwould ask you, “How many members have yousigned up to use your healthcare programs?”Your answer might make or break my decisionto join your team. Would you join a sales forceof any company that didn’t sell their product?

Are you beginning to get the picture?

Provider attrition can also be linked to lack ofmembers. When a provider is lost, ourdepartment will many times receive callsabout this loss, especially if they are the onlyone or one of just a few. Occasionally, I doresearch to see how many members we havein that area and what other providers areavailable. Generally, I am dismayed to see weonly have a handful of members within a 50miles radius. Finding a new provider toreplace the cancelled provider may be hard todo considering the “utilization” facts.

What can you do? Partner with us andprospect for members as well as IBOs. You willthen have a balanced business andAmeriPlan® Provider Relations will have morecredibility going into the prospectiveprovider’s office. This gives us all a “win-win”outcome and that’s what it’s all about!


What Comes First … More Providers or More Members? How About Those AmeriCredits!!!

Julia BakerSenior Vice President

Provider Relations

Medical Proprietary States UpdateFour more states join the “proprietary state” status: Delaware, Maryland, Virginia (central andnorthern) and Washington DC. This brings our total to 20 medical proprietary states. Keep thereferrals coming in!

Here is a list of all medical proprietary states:

California Louisiana Washington, DC New York Arizona

Nevada Texas Georgia Arkansas Indiana

Florida Maine Oklahoma New Jersey Connecticut

Virginia Maryland Delaware Pennsylvania Island of Oahu, HI

QualSight is New Name for AmeriSight Lasik ProgramYou may have already noticed a new banner with QualSight Lasik Program on the providerlocator webpage. No, it is not a new provider, but a new name for AmeriSight. You will stillreceive the same wonderful service as many of you have already experienced. And, becausemany of you have requested brochures explaining this spectacular health service, you may nowpurchase them in bundles of 25.

“How many members

have you signed up

to use your

healthcare programs?”

Dental Tidbits

74% of Americansthink an unattractive smile

can hurt their career;

50% of Americans do not like their own smileper a survey conducted by

the American Academyof Cosmetic Dentistry.

Insurance typically does not covercosmetic dentistry, but

AmeriPlan® provides a discounton ALL these services!

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www.dell.com/eppbuy www.ameriplan.freeconferencecenter.com

https://ameriplan.callsprint.com www.wirelessmarketplus.com

www.knowdebt.org. www.ameriplanusa.com/Internet

www.ameriplanfreedompass.com www.notefix.com/ameriplan

www.AmeriCreditSaver.com Talk AmeriPlan™

Accidental Death & Dismemberment Insurance

Please login to your IBO Support under “IBO Programs” for more details.

Note: First time users mustclick on “Register Now”to enjoy all the benefitsAmeriCreditSaver.com

has to offer.

We would love to hear from you! Please send testimonials regarding

the experience of utilizing yourAmeriPlan® IBO Benefits to:

ib ob enef i t s@amer ip lanus a .com

AMERICREDITSAVER.COM

1 2 8 5 2 4 4 0

FROM DERRIC FARRUYA AMERIPLAN® CORPORATE PROFILE

AMERIPLAN® FEE SCHEDULE MAP

Doug Brooks has worked for AmeriPlan® sinceFebruary, 2004. He started out working inMember and IBO services before moving toProvider Relations. Doug is now the Directorof Network Development. He manages a teamof 130 provider representatives and isresponsible for helping to build and maintainthe proprietary network of dental,chiropractic, and medical providers. His goalis to have the AmeriPlan® physician’s network100% proprietary by next year.

Prior to joining AmeriPlan®, Doug lived inHawaii for 16 years where he attended theUniversity of Hawaii, making the Dean’s Listand graduating Summa Cum Laude inInformation Technology. He also worked for aHawaii-based travel company as the Directorof Training and Customer Care.

Even though Doug still longs for the coolocean breeze, he eventually found his wayback home to Texas where he met and fell inlove with his wife of 18 months, Myla. Outsideof AmeriPlan®, Doug is the consummate familyman. He spends time with Myla, his son Alex(age 12), and the newest addition Kyle (age1). His weekends are consumed withattending Alex’s soccer games and playing ballwith Kyle who seems to have quite an “arm.”In his spare time Doug enjoys reading sciencefiction or fantasy novels. One other tidbit,Doug’s parents, NVPs Dale and Donna Brooksare the second IBOs ever in AmeriPlan® andthe second highest earners.

Can you name one good reason whyAmeriPlan® works so well in the employeehealth benefit arena?

How about, AmeriPlan’s non-insurance medicaland dental discount programs are eligible forpre-tax benefits.

This brings up the matter of gross income vs.net income:

Gross income is your paycheck before UncleSam takes out what he wants. Net income isthat which is left after these deductibles. Thevalue of converting after tax expense to pre-taxexpenses is that whatever you pay for beforetaxes are subtracted from your gross income,thereby reducing the amount of income that isconsidered your gross taxable amount. A pre-tax eligible expense is one that the governmentwill allow you to pay for prior to the deductionof your taxes from your pay.

Why is this information important to us? It isimportant because the lower we make ourtaxable income, the less income is taxed andthe more money is left for us.

There are many possibilities for you to considerfor maximizing these tax benefits for yourclients or prospects.

AmeriPlan® discount health benefit programsmay qualify for one or more pre-taxconsiderations depending on the specifics ofthe employer’s benefits and trust agreements,but it is worth exploring these opportunities:

Health Savings Accounts

Employee Benefit Programs

Section 125 plans (cafeteria plans

Health Reimbursement Accounts

Medical Escrow Accounts

In addition, don’t forget, offering AmeriPlan®

as a free standing voluntary or involuntaryemployee benefit.

You might also use this information to assist aManaging General Representative (MGR) whois trying to figure out exactly how he or she canuse the AmeriPlan® discount health benefitprograms.

If you would like to learn more on how tointroduce prospects to the idea of utilizingAmeriPlan® as a pre-tax benefit you cancontact me at 469- 229-4023 or by email:

[email protected]


Pre-Tax Benefits of AmeriPlan® Meet Douglas Brooks

Derric FarruyaNational Marketing Director

MGR Program & Group Sales

DOUGLAS BROOKSDirector of Network Development

ProgramsNot

Available

ProgramsNot

Available

ProgramsNot

AvailableProgramsNot

Available

ProgramsNot

Available

ProgramsNot

Available

(Oahu Only)

Seattle

Portland

Denver

Tulsa

Nashville

Memphis

Atlanta

Port St. Lucie

Pensacola

KansasCity

MinneapolisSt. Paul

St. Louis

MilwaukeeDetroit

Indianapolis

OklahomaCity

DallasFort Worth

Austin Houston New Orleans

San Antonio

Colorado Springs

I was injured at work and was not getting the proper care from myemployer including guidance to seek additional medical treatment byBergelectric, Concentra and their affiliates. One month later I askedmy employer for assistance and information on my injury and I wasfired under false accusations. Knowing I was fired for my work injurymy family could not afford the cost of continuing COBRA health careat $600 without dental per month. We bless the day that Jon Deshazoapproached me at a gasoline station and offered me the chance of alifetime medically and business as well. His actual words were “doyou know anyone that needs inexpensive Health Care”? I said yes aswell as took his business card too. Now I pay $30 instead of $45 at thespecialist, My wife picks up her meds for $5.61 instead of $30, Mychildren see a reputable pediatrician and get the same proper care aswith any health care out there, My wife also gets the proper dentalcare as she never received with other insurance companies that reallydid not give us the savings AMERIPLAN® gives us now! For the RiveraFamily, there is no looking back with AMERIPLAN®. Even if we gotinsurance for free!!! AMERIPLAN® really saved us from what ishappening to millions in the U.S.A.

Juan R

We recently used the AmeriPlan® 24 hour Nurseline and were reallyimpressed with the RN that we spoke with. My husband had a painfulrash on his arm a few hours after working in the yard... poison ivy.We are from the desert and have no experience on how to treat it. TheRN did a thorough medical history and asked lots of questions aboutthe rash. She told us several remedies to prevent furthercontamination. I am so thankful as she saved hours of time in theurgent care and $100’s of dollars. Every time we have gone to anurgent care center the bill was always over $200.

Warm Regards, Debbi C, RN, ESD

“Thank you AmeriPlan®! With the aid of our AmeriPlan® DiscountPrescription Card, I was able to save one of my customers over $1013per MONTH on her prescriptions! We lowered the price of hermonthly prescriptions from $2000 to $987!!! She is VERY VERYhappy.”

Donna K

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FEATURED MARKET DECEMBER ~ SUPPORT OUR TROOPS

What makes a great AmeriPlan® market– month after month, year after year? Isit leadership? A strong meeting system?A positive, upbeat environment thatbreeds success? A focus on recognitionand praise? The answer is all of theabove, and nowhere are thesecharacteristics more in evidence than inAtlanta, Georgia, our featured marketfor this issue of Vision Magazine.

How did Atlanta move from “zero” to amarket that has earned multiple “Marketof the Year” awards and perenniallyranks in the top three AmeriPlan®

markets? To answer that question, let’stravel back to when AmeriPlan® inAtlanta was more like Ameri-Who? In1997, NVP Mark Jarvis focused some ofhis time and energy helping the Atlantamarket get off the ground. He begantraveling to Atlanta each week from hishome in Houston.

Mark remembers, “It really started out asa three-month commitment to establisha foothold in the Atlanta market. Thenpeople like Joe and Carol Garvey, Evelynand Sam Walker and Todd and LisaBratcher joined AmeriPlan®, and plantedthe seeds that helped Atlanta getstarted.”

In the beginning, it was perseverancethat paid off. It was about working thenumbers, staying in front of people.Mark ran ads, interviewed prospects,worked the phones and signed up newIBOs. Then it was home to Houston and

back to Atlanta the next week.

Business progressed, but not atbreakneck speed. Then one day, Mark’sad caught the eye of a man who was inthe insurance and financial planningindustry. He was looking for somethingmore fulfilling, more lucrative. His namewas Joe Garvey. Joe and Mark met andJoe joined AmeriPlan® in June, 1997.Today, Joe and wife Carol are NationalVice Presidents and among the topearners and leaders in AmeriPlan®.

The point here is that Mark Jarvis kepttalking to new people until the law ofaverages brought him in contact withthose who would ultimately assume keyleadership roles in the Atlanta market.He persevered, didn’t give up, didn’t quit.

When asked what makes Atlanta a high-performing market, Joe Garvey says aspirit of “co-opitition” pervades themarket. What is “co-opitition”? In Joe’svernacular, it means a combination ofcooperation and competition. Joe says,“We all work to achieve our individualgoals, but we also strive to create apositive, uplifting environment thatbenefits everyone.” Carol Garvey adds,“There is strong camaraderie in Atlantaamong leaders and IBOs alike. Werespect each other. We communicate.When we hit bumps in the road, weknow we are going to get through it andend up stronger as a team. We just don’tlet anything cause a permanent fracture.We don’t allow challenges to drag on

without communicating about them andresolving whatever issues we face.”

In 1998, National Sales Director GeorgeRamsey joined AmeriPlan®. Georgeremembers a decision he made afterbecoming an IBO that had a profoundimpact on his career. “I made thedecision to attend AmeriPlan’s NationalConvention, even though I couldn’treally afford it,” George says. “When Isaw the leadership on stage, therecognition, the awards IBOs received, Igot excited about becoming a leader.When I got back to Atlanta, I toldeveryone that we needed to work as ateam and set a goal to be the number onemarket in AmeriPlan®. Ultimately, thatgoal came true.” George believes thatAtlanta’s focus on attendance atcompany events, particularly for newerIBOs, has contributed greatly to itsgrowth.

By 1999, Atlanta was doing well butthere was still room for growth. MarkJarvis continued making periodic tripsfrom Houston. That year, Lorraine andFred Dooley joined AmeriPlan®.Lorraine says that when she and Fredjoined, about 25 people attended themeetings regularly. Lorraine says, “We allmade a commitment to each have two orthree guests at every meeting, and afterthat we began to grow faster. Themeetings were fun. We looked forwardto them, and I think our prospectspicked up on that. They saw people wholiked each other, knew each other’s kids


Atlanta ~ Year after Year. a Great AmeriPlan® Market!AmeriPlan Family Military Personnel Branch RelationshipAlemeta Bradley ..........................Command Sgt Major Darren M Bradley (E-9) ............Army ................................HusbandAmber Wade ..............................Lieutenant Micah Steinpfadt ....................................Marines ............................NephewBetsy Sheffield ............................Corporal William B Hancock ....................................Marines ............................CousinCatherine Heath ..........................Kristopher M Weidner ............................................Navy SeaBee ....................SonChantel Francis ............................Billie Jean, Military Police........................................Army ................................DaughterChasity L Prescott ......................Petty Officer Second Class Carlton A Prescott (MK2) ..Cost Guard ........................HusbandDanielle Browning ........................Corporal Christopher W Prange................................Marines ............................SonDarrin Swait ................................Specialist Justin Doty..............................................Army ................................Son-in-LawDavid & Lynne Crowley Sr ............Sergeant First Class David Crowley Sr......................Army Retired ....................self

Sgt (P) Christopher L Crowley..................................Army ................................SonDebra Alfred ..............................Private Jarvis Baylor ..............................................Army ................................NephewDiane Knopf ................................Sergeant David W Knopf Jr ....................................Air Force ..........................Grandson

Private Luke Stevens ..............................................Army ................................GrandsonTessa Knopf ..........................................................Army ................................Granddaughter

Diane Weatherford........................Airman First Class Joseph Maleski (E-3) ..................Air Force ..........................SonDina Pezzimenti ..........................Sergeant Joseph A Pezzimenti (E-8) ........................Army ................................FatherDolly Charley ..............................Specialist Jason Young ..........................................Army ................................Brother

Andrew Charley ....................................................Marines ............................Brother-in-LawCorey Talkington ....................................................Air Force ..........................Cousin

Eboni Sears ................................Seaman Eboni Sears (E-3) ....................................Navy Reserves ..................selfElizabeth Carter ..........................Lance Q Carter, AVH ..............................................Navy ................................Son

Staff Sergeant Lando Carter ..................................Army ................................Brother-in-LawPrivate First Class Corey Evans ..............................Marines ............................NephewChief Warrant Officer Johnny Jackson ......................Army ................................Cousin

Erika Henke ................................Captain Erika Henke ..............................................Air Force Retired ................selfFaustina Naros ............................Private Jordan Kunze (E-3)......................................Army ................................FriendGary & Susan Sims ......................James Sims, E.O.D. Watch Officer ..........................Marines ............................Son

Lance Corporal Ty Sims (E-3) ..................................Marines ............................SonGloria & Bruce M Wright ..............Private First Class Jermaine M Wright (E-3) ..............Army ................................Son

Private First Class Sammir Wallace (E-3) ..................Army ................................GodsonGwen Dobbs ................................Sergeant April Dobbs..............................................Army ................................SisterHal Bigelow ................................Specialist Adam Bigelow ........................................Army ................................NephewHelena Caesar ............................Senior Airman Teresa Aquino (E-4) ..........................Air Force ..........................DaughterHope Butrum................................Specialist Andy K Koonce II (E-4) ............................Army ................................FianceIsabel H Coll ................................Master Sergeant Axel L Coll ....................................Army Retired ....................Husband

Sergeant First Class Manuel A Hernandez ................Army Retired ....................BrotherSpecialist Jesus Rodriguez ......................................Army ................................NephewLieutenant Anselmo Feliciano ..................................Air Force ..........................Bother-in-Law

Janet Kanan ................................Sergeant Louis Kanan Jr ........................................Marines ..........................HusbandJeanne Condon ............................Private First Class Daniel J Condon (E-2)..................Marine Reserves ................SonJessica Wojak ..............................Senior Airman Thomas J Wojak (E-4) ......................Air Force ..........................HusbandJoan & Ken Schonfeld ..................Captain Brian H Schonfeld ......................................Army ................................SonJoel Witham ................................Major Joel B. Witham, Infantry ................................Army Reserves ..................selfJohn Duncan ..............................Captain Kirk Duncan ..............................................Army ................................BrotherJohn Phillips ................................Sergeant David Dixon ............................................Marines ............................Brother-in-LawJoseph Valerio ............................Staff Sergeant Michael Valerio ................................Army ................................BrotherJulie James ................................Private First Class Kyle D Meyers ............................Army ................................SonKaren Morris-Queen ....................Sergeant Eugene R Greathead ................................Army, Special Forces ..........SonKim Weatherford ..........................Specialist Sherry Young ........................................Army ................................NieceKimberly Belzer ..........................Petty Officer Second Class Anne Bahamon (E-5) ......Navy ................................SisterLeigh Stansbury ..........................Technical Sergeant Tim Stansbury (E-6) ..................Air Force Reserves ............HusbandLori Floyd ....................................Seaman Apprentice Stephen Hunter (E-2) ................Navy ................................NephewMegan Hoppe ..............................Specialist Stephen C Hoppe ....................................Army National Guard ..........HusbandMarkell Wilson ............................Private First Class Nicole Mitchum ..........................Army ................................Best FriendPatricia Olguin ............................Ruben Olguin (E-4) ................................................Army ................................HusbandPatricia Wilder..............................John C Morgan, Airman Basic (E-1) ..........................Air Force ..........................SonPaul Fogle ..................................Specialist Ruth Fogle ..............................................Army ................................DaughterPriscilla Reed ..............................Sergeant Justin G Killam ........................................Marines ............................SonRene’ Smith ................................Master Sergeant Phillip M Smith ..............................Marines ............................HusbandSherry Breeden ............................Technical Sergeant Darnell Breeden (E-6) ................Air Force ..........................HusbandSandi & George Sossamon ..........Corporal Wes H Peck ............................................Marines ............................SonShawna Rynn ..............................Sergeant Kevin Fouty ............................................Air Force ..........................CousinSheri Davis ..................................Sergeant Jeffrey Davis............................................Special Ops Reserves ........Husband

Lieutenant Colonel Fred Allen III ..............................Air Force Retired ................FatherSteve & Theresa May ..................Gunnery Sergeant Benjamin Plattsmier (E-7) ............Marines ............................Son-in-LawSusan Kallaher ............................Captain Shary Day ................................................Army ................................Sister

Chris Kallaher ........................................................Contractor in Iraq ..............HusbandNick Day ..............................................................Contractor in Iraq ..............FatherPaul Day ..............................................................Contractor in Iraq ..............UncleRodger Day ..........................................................Contractor in Iraq ..............Uncle

Jenney Johnstone-Smith................Chief UT William Smith ..........................................Navy SeaBee Retired..........FatherVanessa Merritt ............................Staff Sergeant Edward Meritt ..................................Air Force ..........................HusbandWilson Quiles ..............................Petty Officer Third Class Tim Ford (E-4) ....................Navy ................................Son

Sergeant Dante Luis Quiles ....................................Army ................................Son

National Vice PresidentsJoe & Carol Garvey

National Sales DirectorsAlicia Lippman Fred & Bertha BenderCheris Baker

Cindy Wright Michelle Daniels Deborah & Lyndell Smith Dr. Bob & Carol Waterstone Elizabeth Howison Evelyn Walker George & Sheryl Ramsey John Harley Lorraine & Fred Dooley Sherry Gilbreath.

Todd & Lisa Bratcher Pabs & Vijay Raghava

Senior ESDsBernice Rhinehart Caroline Watson Eleanor Peterson Joan Chastain Linda Grice

Executive Sales DirectorsClaudia GibsonAlbert Boykin Brian Ray Cindy Chapman Deborah Griggs Diane Franks Donna & Eric Brown Eunice William Frank Scaramellino

Those included in this issue were received by the publication closing date of November 10, 2007.The names that we receive after that date will be included in the January issue.

SUPPORT OUR TROOPSIn this issue, since as we are going to press, the United States Marine Corps is celebrating a birthday on November 10th, we will provide a short history of thisproud branch of the United States military. Surely, thereis no more universal a motto to indicate bravery,dedication, honor, strength and camaraderie than that of “Semper Fi” for the Marine Corps “Semper Fidelis” or “Always Faithful”. Surely there is no more proud a group than that of the United States Marine Corps.

Marines are always the first in, defending America against any and all perils. From the American Revolution to the Persian Gulf War to battles for freedom yet to be waged, the Marine Corps remain at the ready.

What makes the Marines different from other militarybranches? The Marines have been:”First to Fight” forover 250 years. The Marine Corps is the only branch ofthe armed services specifically organized with air, landand sea-based expeditionary fighting capabilities.

The United States Marine Corps instills customs and traditions and live by the Core Values:

Honor, Courage and

Commitment.


Common Attributes of Successful MarketsCommitment ~ An unwavering determination to buildthe business and the market.Perseverance ~ Consistently expose new prospectsto AmeriPlan®.Teamwork ~ Competition and cooperation workingin tandem.Leadership ~ Committed, stable, consistent, growing.Meeting System ~ Everyone “plugs in” and commitsto support it. The positive meeting environmentattracts people.

Communication ~ Builds relationships, respect,and teamwork.Recognition ~ Plenty of praise for every accomplishment.Prospects ~ Commitment to bring prospects to meetings.Company Events ~ Important for all, and especiallynew IBOs – a point of emphasis at meetings.

and families and had fun together.People want to be a part of somethinglike that.”

The Dooleys believe that the meetingenvironment is a big key to Atlanta’ssuccess. As Fred puts it, “If the meetingenvironment is good, it’s good foreveryone. Everyone benefits if they plugin and stay plugged in. It’s a tremendousadvantage in building a lucrativebusiness.”

Another fortunate event took place in1999 when National Sales DirectorMichelle Daniels joined the company.She says that even in the early days, theAtlanta meetings were lively, excitingand motivating. “We couldn’t wait to getto the meetings,” said Michelle. “And youdidn’t even think about not showing up.It was a commitment.” Michelle says thatover time, she and the other IBOslearned to work the “meeting after themeeting,” spending quality time withprospects and answering their questions.“After the meeting we’d all go out to eat,and that’s where we’d bond as a team.”

Michelle believes there are threeimportant factors that have helpedAtlanta excel over time. First, theleadership has stayed “plugged in” to themeeting system, supporting itconsistently year after year. Second, theAtlanta leadership holds monthlyconference calls. The calls facilitategood communication among the leaders,supporting the personal relationshipsthat have developed between them.Third, meeting responsibilities arerotated among the leaders. Part of that

responsibility entails assigning new, upand coming leaders to conduct portionsof the meeting. This helps new leadersdevelop.

Executive Sales Director John Myersjoined AmeriPlan® in August, 2003 at a“Barrel of Cash” meeting in Atlanta. Johnsays, “Shortly after signing up I went tothe office for the first time. Theatmosphere was upbeat and positive;everyone shook my hand. I rememberthinking that these are people I wouldenjoy being around whether I join thecompany or not. People looked like theywere having a good time.”

John says that the meetings breedsuccess because everyone celebrateseveryone else’s success. “You always getplenty of recognition for youraccomplishments. Plus, everyone leavesthe meetings thinking they can do it too.”John thinks it is important thatprospects are welcomed with genuinewarmth no matter who brought them tothe meeting. “No one cares who theprospect belongs to,” he says. “Theywant to make the guests feel special andglad that they took the time to come.”

Atlanta’s newest National Sales Directorcouple is Deborah and Lyndell Smith.“Smitty” and Debbie joined AmeriPlan®

in October, 2002 as a favor to theirdaughter Tiffany. At first, the Smith’s didlittle with the business. Then Debbie gotdownsized out of her corporate job.Their kids needed dental work, so theyused the plan and saved a bundle. That iswhen they realized, as Smitty says, “Ifour kids need the plan, others must need

it too.” So Debbie and Smitty startedworking the business. Smitty says,“Once we got that first check, we werehooked!”

Debbie believes that once of thestrengths of the Atlanta market is theleadership’s commitment to thebusiness. She says, “You go to themeetings, you see what people areearning, and you want to experience thatsame success. It really stands out thatthose who are earning the big money arecommitted to the market. They could beoff doing something else, but insteadthey are there offering training andencouragement. That stability andconsistency makes everyone feel that ifthey stick to it and stay plugged in, theycan join those who earn six-figureincomes.”

These stories, and many others we don’thave the space to print, underscore thekey reasons why Atlanta has developedinto one of the most successful marketsin AmeriPlan® It is a safe bet that allsuccessful markets have severalattributes in common.

The results speak for themselves. TheAtlanta market currently has (active) 1NVP, 15 NSDSs, 5 SESDs, 29 ESDs, 39SRSDs and 220 RSDs. Take a close lookat your market. Of the success factorsdiscussed in this article, how many doesyour market possess? If your marketlacks many of them, meet with the IBOsin your area to develop and commit to aplan to become a top AmeriPlan®

market.

1775 – The Continental Congress authorizes two battalions of American Marines.1778 – Captain Nichols and twenty-six Marines capture Fort Nassau in the Bahamas.1798 – President John Adams signs Act establishing the United States Marine Corps.1847 – Marines help seize fortress of Chapultepec, built on the site of the Halls of Montezuma.1885 – Captain Tilton leads a Marine force in Korea. Marines also protect the Panama

trans-isthmus railroad.1898 – Marines land at Guantanamo Bay, Cuba. U.S and Spain sign Treaty of Paris.1899 – Marines attack Filipino insurgents at Novaleta.1900 – Marines defend Legation Quarter in China during the Boxer rebellion.1917 – U.S declares war on Germany, 5th Marine Regiment sails for France.1942 – 1st Marine Division lands on Guadalcanal. 2nd Raider Division raids Makin Atoll.1942 – The first black Marines enlist in the Marine Corps.1943 – Women’s reserve program announced. 1944 – D-day. U.S. lands in Normandy. Marines in 2nd, 3rd & 4th Div. fight on the Pacific front.

Since we have received such a ground swell of positive comments about the “SupportOur Troops” segment of the AmeriPlan Vision, we are adding another feature that webelieve you may enjoy. We will feature in each issue a small background piece on thehistory of each branch of our Armed Forces, in future issues we will even expand tofeature specific units within the services.

H David Cain Hasan Shahid Hernan Calfucura India Bayton James Smith Jeannie Millsap Jennifer Elie John Myers Joshua & Nichole

Pockrus Joshua Waterstone Keyvan Ghafoori Kyla Dureaux Lenora Buckley Margie West Nettie Jones Penny Wright Randall Jones Samuel Mihordea Shona Hill Ben Wagenman

Senior RSDsAdolph Lovett Ali Williams Alice Beyah Andrew Mueller Angela Rogers Anthony Dixon, Sr. Brian Schott Claudia Taylor Danette Hughes Darius Meadows Denise Johnson Denise Lynch Earnest & Cathey

Gissendanner Iris Settle Evelyn Ford Frank Blackwell Frankie Kirk Ghislaine Smith James Dunaway

Joan Garrett Joanne Travis Joseph Casserly Joseph Smith Ken Trunk Khadijah Roberts Marion Clemmons Mary Mongeon Michael & Valerie Acker II Renee Adair Richard Washington Ronald Jones Sabrina Johnson Sonya Donaldson-Moretti Sorin Feldiorean Tammy Lapread Vanessa Heggie-Mcclure Vera Covington Victoria Crabtree Walter Graves

Historical Timeline:1945 – Marines secure Iwo Jima. Japan and Germany surrender unconditionally.

Marines land in Tokyo Bay & North China and disarm 630,000 Japanese soldiers.1948 – First eight enlisted women sworn in as Regular Marines.1950 – North Korean forces invade South Korea. 1st Marine Division lands at Inchon

and retakes Seoul.1954 – The Marine Corps War Memorial dedicated next to Arlington National Cemetery.1956 – Marine battalion from Sixth Fleet evacuates civilians from Egypt.1965 – 9th Marine Expeditionary brigade lands at Da Nang, South Viet Nam1967 – PFC James Anderson, Jr, is the first black Marine to win the Medal of Honor.1971 – Last Marine ground troops leave Viet Nam.1990 – Iraqi army invades Kuwait. Marines begin buildup in the Persian Gulf.1991 – Operation Desert Storm. Marines 1st and 2nd divisions push through Iraqi lines.

Marine helicopters evacuate 281 civilians from the American Embassy in Somalia.2001 – Global War on Terrorism declared. Marines deployed to defend freedom.

4 0 3 9 0 0 3 5

REFERRALS BUILD YOUR BUSINESS

Would you say that it was leads? Would you saythat it was your “list”? Would you say that itwas advertising? Would you say that it was theInternet? Or would you say that it was one ofother innumerable things that you could bedoing to build your business. Well, in myhumble opinion, it can be any of these and somany more, but I have one that I believe is headand shoulders above all others in terms ofimportance. My reason for feeling this way isnot at all theoretical; it is based on many yearsof real, down on the street experience. I don’tknow about each of you, but in my earliercareer days I was in the life insurance business,probably one of the toughest sales jobs there is.On top of that I had committed myself tobuilding my business without calling on friendsand family. Well then, what is it?

Keep in mind that I am sharing my experiencewith you, but that does not mean that what youare doing is wrong. There are different strokesfor different folks, and this was what workedfor me. The secret my friends for me isreferrals. You can run out of friends. You canrun out of family. You can run out of leads, butyou can never run out of referrals if you workthe business with referrals in mind. You maycall it a referral, or you may call it a reference,but if you get them, they will work for you, Ipromise. The only thing about referrals is thatyou have to be talking to people and writingbusiness for the process to be effective and towork the way it should. A really great thingabout referrals is that you can get them fromanyone…prospects, new customers, oldcustomers, family, friends, business associatesand just about anyone that will talk to you.

Let’s explore a couple of ways that you can getthese pieces of gold. First, let’s see what we dowhen we enroll someone as a member, and howwe get the referral: once you have made yourpresentation and signed your new member upyou might say something like this: “This isreally great. I am sure that you will realize greatsavings with this plan for you and your family.Not only will you save money, but you will haveaccess to the finest healthcare networks in thecountry. Are you as excited about the greatdecision that you just made as I am? Well,

aren’t there some folks that you care enoughabout that you would like to be able to realizethe same great savings and benefits that youare going to be getting? Would you mind givingme their names and contact information so thatI can contact them and say that you referredthem because you wanted to share your greatdecision with them?.” Get the information, andthere you go. If you do this with everyone thatyou talk to, you will never run out of people totalk to.

If you haven’t closed the prospect, you mightapproach them like this: “I know that youhaven’t seen fit to join our great AmeriPlan®

family of millions who are saving money everyday on their healthcare, but your situation maychange in the future, and at that time I will beglad to help you…in the meantime, you mustknow of a lot of people who are not in theposition that you are and that are in need of away to get better health care and to savemoney while doing it. I am sure that you wantto see their situation improve and I would likethe opportunity to speak with them. Could yougive me some names and contact informationon those who you think could best be served byour incredible programs? I will be sure to useyour name and let them know that you werethinking about them”.

See, that is not too difficult and I am sure thatyou can do it. One of the nice things is that themore that you do it the easier it becomes. Also,if you have gotten to speak to people throughthe referral method, it is natural for them togive you more referrals. People have atendency to respond to a situation in the waythat they were exposed to that situation. Inother words, referrals beget referrals. Thinkyou can do it? I do…now get out there and try.It may not work perfectly the first couple oftimes, but do not give up…keep on trying untilit becomes a natural part of your presentation.

The proof of the pudding for me was that in myfirst year in life insurance where writing$1,000,000 was considered a big deal, in myfirst year I personally wrote in excess of$7,000,000. Trust me … this works!


If someone were to ask me what the lifeblood of this businesswas, I would not have to think too long to come up with ananswer, what about you?

Q: I thought this promotion was for new IBOs. Can existing IBOs participate?

A: Yes. If you are an existing IBO (not an RSD or higher) on October 1, 2007, you are eligible. You have until October 22, 2007 to qualifyas an RSD SuperStar. If you do, you will have 60 or 90 days from your RSD promotion date to reach SRSD SuperStar status.

Q: Do I have to achieve RSD SuperStar status first in order to qualify for SRSD SuperStar status?

A: Yes

Q: Suppose I achieve RSD SuperStar status and sign up a new IBO during my $90 SuperStar Bonus period. In addition to the $90 Bonus, will Ireceive residual commission as well?

A: Yes. Your 30% residual commission ($15/mo.) will be paid as-earned on IBOs submitted during your SuperStar Bonus period.

Are you a new IBO since October 1, 2007? Were you an existing IBO* as of October 1, 2007? If you answered “yes” to either question, then we have one more for you …

Are you working on your SuperStar status?!

* See the downloadable flyer on your IBO Support Web site for complete rules and details.

Frequently Asked Questions:

* (non-sales director)

New IBOs and existing IBOs (non sales directors) can earn elegant AmeriPlan® writing pens and SuperStar lapelpins by achieving RSD and SRSD status this fall. Most importantly, you can earn $90 non-chargebackableSuperStar CASH Bonuses for new IBOs you personally sign up.*

Did youknow?

~ Referral-generated

customers are the

most cost efficient,

profitable, and loyal

source of new

business.

~ A referred customer

on average will

generate five times

more revenue than a

non-referred customer


has on average a 92%

retention rate over the

next two to three years

vs. a 67% rate for a

customer who is

acquired through

another marketing

method.

BNET Research CenterBNET.com

4 0 4 8 2 9 7 7

PRESCRIPTION ADVOCACY PROGRAM

The Independent Business Owners(IBOs) of AmeriPlan® are making adifference in the lives of their membersas they continue to provide them withthe great AmeriPlan® health careprograms. One that has touched manylives is the newest addition to ourpharmacy program, the AmeriPlanPrescription Advocacy Program (APAP)administered by EZMeds USA. Thisprogram provides AmeriPlan® member’sadvocacy to pharmaceutical companiesfor procuring many prescription drugsat no cost. For a nominal monthlyservice fee of $82, those AmeriPlan®

members that meet certain incomerequirements and have high monthlyprescription costs can qualify forincredible savings.

One such IBO is Deborah Selvaggio,National Sales Director, from BoyntonBeach, Florida. Deborah attendedAmeriPlan’s National Convention inJune where she learned about the newAmeriPlan Prescription AdvocacyProgram. Deborah was thrilled becauseshe knew the first person she was goingto show the program to was her ownmother, an IBO and AmeriPlan®

member.

Back in Florida, Deborah met with hermom, Judy Sikura, who was in anaccident four years ago that has forcedher to work from home. In addition,Judy is an asthma patient and has been

virtually uninsurable. In order to payfor her lifesaving medications costingover $700.00 per month, Judy hasresorted to using her high interestcredit cards.

Deborah and Judy reviewed thematerial on the APAP section of IBOSupport, filled out the requiredpaperwork and sent it to EZMeds. Judywas contacted by a member of theEZMeds team and, after an in-depthconsultation, was informed that she wasa good candidate for the program. Judysays the process was really easy,although you need a little patienceconsidering the time it takes forphysicians to complete their portion ofthe application required by thepharmaceutical company. Within eightweeks Judy received her first 90-daysupply of medications in the mail.

The rest is history, Judy now has aconsistent no-cost flow of medicationsand EZMeds handles everything. Thefinancial impact on Judy’s life has beensignificant with this large financialburden now lifted thanks to EZMedsand the AmeriPlan PrescriptionAdvocacy Program.

Deborah, an AmeriPlan® leader for tenyears knows the power of residualincome. She says the true reward ofbeing an IBO is helping people whoneed it.

If you have an APAP story to share, pleaseemail it along with a photo to:

bob@ yourezmeds.If you want to find out more about APAP,go to IBO Support and click on the blueAPAP tab on the left side of the screen.There you will find details on how toqualify for this amazing program. On theAPAP web page you can also find out howyou can earn $125 bonus for sharing APAPwith others by clicking on the APAPContest link.


AmeriPlan Prescription Advocacy Program Impacts AmeriPlan® Family

Deborah SelvaggioNational Sales Director

Florida

Gold SuperStar RSDs*

* only achievements verified as of 11/7/2007

Silver SuperStar RSDs*

Henry L Wyatt - TX

Victoria Benavides - NJ

John & Amanda Phillips - FL

Janice N Johnson - GA

Insook Chang - VA

Shelby C Folmar - AZ

Joseph R Waker Jr - DC

Cynthia Fullwood Fleck - CA

Clara Allison - NJ

Jim R Williams - IL

Jean Monique Severino - NJ

Patty Tippet - OR

Rojuana Bronson - CO

Constance A Bradford - TX

Dennis & Carol Slominski - ID

Clifton Conway - TX

Cheryl A Conway - TX

Eric A Beacham - FL

Dawn D Hines - FL

Linda Morrison - AZ

Katie Roth - CA

Karen Hagan - FL

Marie C Pierre - FL

Kun S Koh - VA

Phil Gregory - TX

Elsje Brits Trantum - CT

Beverly A Collins - TX

Sherry & Robert E Albert - FL

Kellie A Blackwell - FL

Jennifer Maley - FL

Jennifer L Marble - MD

Candiss M Baker - TX

Sidia Wiley - MN

Melva J Keays - CA

Jesse K McFarlin - VA

Ianni S Joseph - NJ

Deborah and her mom, Judy.

rescription P

rogram Pdvocacy A

Tips From The Tops

We don’t have great IBOs; we haveextraordinary IBOs with even moreamazing ideas. We welcome all IBOsto share their thoughts and ideas onenergizing their businesses. We areasking you to convey your secrets ofsuccess.

We are looking for testimonials,stories, or revelations on “whatworks”. So, how do you get yournext “piece” of AmeriPlan® business?

Please submit “words of wisdom” to:[email protected]

Testimonials

As you all well know, the incredible success of AmeriPlan® and your businesses isbuilt around the great programs that we offer to those who are looking to savemoney on their healthcare. You also know the nature of this unbelievable businessopportunity in helping families all over this great country to realize financialfreedom and security. I am confident that you are aware of the value of sharingboth the money saving and money making stories with others. In each issue ofVision, we feature testimonials of our members who have great money savingexperiences as well as those of IBOs with their money making and life changingsuccess stories. Well, we need you help in providing us with an ongoing stream ofprogram and business testimonials.

Don’t think that your story is not good enough or your earnings or savings storiesare not enough to get our attention. Just send us your testimonials and we will takeit from there. If you know of members or IBOs with testimonials, encourage themto send them in also: [email protected].

Top 10 Markets1. Dallas2. Houston3. Atlanta4. Los Angeles5. Newark6. Detroit7. Orlando8. Denver9. Washington DC

10. Tampa

Top 10 IBOs Signing Up IBOs1. Laura Camisa - NY2. Kim Schilt – NY3. Elaine Green - TX3. Daniel & Julia Tharp - VA3. Kristie Wooten - FL4. Sarah Brooks – MO5. Janie & Michael Jones - TX5. Brad Murray - CA5. Randy Pollack - AZ6. Jennifer Kavanagh – IL6. Reginald Stinson - TN6. Kathleen Strooband - FL

Top 10 IBOs Signing Up Members1. Arnold & Diane Gonzalez - TX2. Arthur Bryden - CA3. Bill Bertha - CO4. Elaine Hamilton - TX5. Jim Martinez – CO6. Sarah Brooks - MO7. Matt Kaluza & Sandra Cheng - CA8. Calvin Cheng - CA9. Magnos Beckett – FL9. Valerie & John Duncan - OH

NEWSenior Executive

Sales Directors

NEWNational

Sales Director

NEWExecutive

Sales Directors

NEWSenior Regional

Sales Directors

NEWRegional Sales Directors

Odrigue Bernard - TX John Billups - CO James Hughes - VA

Kimberly Lerner - FL Denise Lynch - GA Lori Medalis - IL

Timothy Moore - WA Nicole Safley - MO Lenita Witherspoon - TX

Sheri Ables - MS Sherry & Robert Albert - FL Clara Allison - NJ Marjorie Bachman - VA Candiss Baker - TX Jonni Bantz - WA Eric Beacham - FL Victoria Benavides - NJ Rita Bingham - TX Sheila Black - GA Kellie Blackwell - FL Constance Bradford - TX Elsje Brits Trantum - CT Rojuana Bronson - CO Elisha Burnes - MI Judith Burritt - CO Michael Campbell - FL Brunilda Candelario - NJ Betty Chandler - NJ Insook Chang - VA Elliott Christian - MD Frantz Ciceron - NY Beverly Collins - TX Clifton Conway - TX Cheryl Conway - TX Danita Cornelius - TX Claudette Cosbert - NY Morgan Cottrell - AZ Dayna Darling - OH Sharyn Eckard - CA Ardevella Edwards - VA Chaney Eifler - GA Geraldine Ficklin - NJ Mary Fields - MD Jeannie Folling - TX Shelby Folmar - AZ Cynthia Fullwood Fleck - CA Nichole Gabriel - GA Yvonne Garner - NY November Gatson - NJ

Starr Gee - TX Jacqueline Goodman - FL Gypsy Gottlieb - NV Delene Graham - NJ Phil Gregory - TX Karen Hagan - FL Henry Harris Jr - KY George Hervey - NY Dawn Hines - FL Bennie Holman - NJ Sherrer Howle - AL Markisha Jennings - NY Janice Johnson - GA Jennifer Johnstone Smith - FL Joe Jones - TX Claude Josey - NJ Melva Keays - CA Judy King - CA Dwight & Tania Kirkham - GA Kun Koh - VA Henry Krueger - IL Michele Lee - CA Brian Magnosi - OK Thomas Maher - TX Jennifer Maley - FL Jennifer Marble - MD Reeshemah Mccoy - FL Damodrick Mcdowell - TX Joe Miktarian - OH Marie Montalment - NJ Ky Muller - FL Brandy Mullett - TX Jennifer Murphy - FL Faustina Naros - MO Thi Nguyen - FL Joelle Niedecken - TX Rosemary Obermeyer - WI Esther Obisakin - NY Veronica ONeal - TX Francisca Parker Martinez - OH Ralph Patten -VA Mari Perez - CA John & Amanda Phillips - FL

Antonio Pierre - TX Marie Pierre - FL Jennifer Pollock - FL Philip Pooley - TX Denise Porter - GA Gwendolyn Primrose - GA Zeta & Doug Rady - NC Maria Rappa - NY Dewey Rivers - TX Mary Roldan Balboa - TX Katie Roth - CA Iris Rutherford Hare - GA Naim Sabir - MI Gail Schlosser - PA Stephen Seftar - WI Jean Monique Severino - NJ Antoinette Sharpe - MI Sarah Shults - AZ Dennis or Carol Slominski - ID Colleen Smith - NY Gynith Smith - NJ Lori & Russell Stoltmann - FL Kathy Stotz - CT Roseann Suez - PA Christina Swientek - TX David Thomas - FL Danny Timmons - OK Patty Tippet - OR Gary Van Order Jr - MI Joseph Waker Jr - DC Cynthia Ward - TX Sidia Wiley - MN Patricia Willett - TX Eurlalee Williams - LA Diane Williams - CA Jim Williams - IL Henry Wyatt - TX Tricia Yasmer - CT Taehee Yoon - VA

Lilly Trent - TX Laurel Dowdle - NY

Elizabeth & LanceCarter - WV

Susan & JustinGoodknight - CO

Theresa Dosch - NJ

Chris Clopton - ID


PRESCRIPTION ADVOCACY PROGRAM

The Independent Business Owners(IBOs) of AmeriPlan® are making adifference in the lives of their membersas they continue to provide them withthe great AmeriPlan® health careprograms. One that has touched manylives is the newest addition to ourpharmacy program, the AmeriPlanPrescription Advocacy Program (APAP)administered by EZMeds USA. Thisprogram provides AmeriPlan® member’sadvocacy to pharmaceutical companiesfor procuring many prescription drugsat no cost. For a nominal monthlyservice fee of $82, those AmeriPlan®

members that meet certain incomerequirements and have high monthlyprescription costs can qualify forincredible savings.

One such IBO is Deborah Selvaggio,National Sales Director, from BoyntonBeach, Florida. Deborah attendedAmeriPlan’s National Convention inJune where she learned about the newAmeriPlan Prescription AdvocacyProgram. Deborah was thrilled becauseshe knew the first person she was goingto show the program to was her ownmother, an IBO and AmeriPlan®

member.

Back in Florida, Deborah met with hermom, Judy Sikura, who was in anaccident four years ago that has forcedher to work from home. In addition,Judy is an asthma patient and has been

virtually uninsurable. In order to payfor her lifesaving medications costingover $700.00 per month, Judy hasresorted to using her high interestcredit cards.

Deborah and Judy reviewed thematerial on the APAP section of IBOSupport, filled out the requiredpaperwork and sent it to EZMeds. Judywas contacted by a member of theEZMeds team and, after an in-depthconsultation, was informed that she wasa good candidate for the program. Judysays the process was really easy,although you need a little patienceconsidering the time it takes forphysicians to complete their portion ofthe application required by thepharmaceutical company. Within eightweeks Judy received her first 90-daysupply of medications in the mail.

The rest is history, Judy now has aconsistent no-cost flow of medicationsand EZMeds handles everything. Thefinancial impact on Judy’s life has beensignificant with this large financialburden now lifted thanks to EZMedsand the AmeriPlan PrescriptionAdvocacy Program.

Deborah, an AmeriPlan® leader for tenyears knows the power of residualincome. She says the true reward ofbeing an IBO is helping people whoneed it.

If you have an APAP story to share, pleaseemail it along with a photo to:

bob@ yourezmeds.If you want to find out more about APAP,go to IBO Support and click on the blueAPAP tab on the left side of the screen.There you will find details on how toqualify for this amazing program. On theAPAP web page you can also find out howyou can earn $125 bonus for sharing APAPwith others by clicking on the APAPContest link.


AmeriPlan Prescription Advocacy Program Impacts AmeriPlan® Family

Deborah SelvaggioNational Sales Director

Florida

Gold SuperStar RSDs*

* only achievements verified as of 11/7/2007

Silver SuperStar RSDs*

Henry L Wyatt - TX

Victoria Benavides - NJ

John & Amanda Phillips - FL

Janice N Johnson - GA

Insook Chang - VA

Shelby C Folmar - AZ

Joseph R Waker Jr - DC

Cynthia Fullwood Fleck - CA

Clara Allison - NJ

Jim R Williams - IL

Jean Monique Severino - NJ

Patty Tippet - OR

Rojuana Bronson - CO

Constance A Bradford - TX

Dennis & Carol Slominski - ID

Clifton Conway - TX

Cheryl A Conway - TX

Eric A Beacham - FL

Dawn D Hines - FL

Linda Morrison - AZ

Katie Roth - CA

Karen Hagan - FL

Marie C Pierre - FL

Kun S Koh - VA

Phil Gregory - TX

Elsje Brits Trantum - CT

Beverly A Collins - TX

Sherry & Robert E Albert - FL

Kellie A Blackwell - FL

Jennifer Maley - FL

Jennifer L Marble - MD

Candiss M Baker - TX

Sidia Wiley - MN

Melva J Keays - CA

Jesse K McFarlin - VA

Ianni S Joseph - NJ

Deborah and her mom, Judy.

rescription P

rogram Pdvocacy A

Tips From The Tops

We don’t have great IBOs; we haveextraordinary IBOs with even moreamazing ideas. We welcome all IBOsto share their thoughts and ideas onenergizing their businesses. We areasking you to convey your secrets ofsuccess.

We are looking for testimonials,stories, or revelations on “whatworks”. So, how do you get yournext “piece” of AmeriPlan® business?

Please submit “words of wisdom” to:[email protected]

Testimonials

As you all well know, the incredible success of AmeriPlan® and your businesses isbuilt around the great programs that we offer to those who are looking to savemoney on their healthcare. You also know the nature of this unbelievable businessopportunity in helping families all over this great country to realize financialfreedom and security. I am confident that you are aware of the value of sharingboth the money saving and money making stories with others. In each issue ofVision, we feature testimonials of our members who have great money savingexperiences as well as those of IBOs with their money making and life changingsuccess stories. Well, we need you help in providing us with an ongoing stream ofprogram and business testimonials.

Don’t think that your story is not good enough or your earnings or savings storiesare not enough to get our attention. Just send us your testimonials and we will takeit from there. If you know of members or IBOs with testimonials, encourage themto send them in also: [email protected].

REFERRALS BUILD YOUR BUSINESS

Would you say that it was leads? Would you saythat it was your “list”? Would you say that itwas advertising? Would you say that it was theInternet? Or would you say that it was one ofother innumerable things that you could bedoing to build your business. Well, in myhumble opinion, it can be any of these and somany more, but I have one that I believe is headand shoulders above all others in terms ofimportance. My reason for feeling this way isnot at all theoretical; it is based on many yearsof real, down on the street experience. I don’tknow about each of you, but in my earliercareer days I was in the life insurance business,probably one of the toughest sales jobs there is.On top of that I had committed myself tobuilding my business without calling on friendsand family. Well then, what is it?

Keep in mind that I am sharing my experiencewith you, but that does not mean that what youare doing is wrong. There are different strokesfor different folks, and this was what workedfor me. The secret my friends for me isreferrals. You can run out of friends. You canrun out of family. You can run out of leads, butyou can never run out of referrals if you workthe business with referrals in mind. You maycall it a referral, or you may call it a reference,but if you get them, they will work for you, Ipromise. The only thing about referrals is thatyou have to be talking to people and writingbusiness for the process to be effective and towork the way it should. A really great thingabout referrals is that you can get them fromanyone…prospects, new customers, oldcustomers, family, friends, business associatesand just about anyone that will talk to you.

Let’s explore a couple of ways that you can getthese pieces of gold. First, let’s see what we dowhen we enroll someone as a member, and howwe get the referral: once you have made yourpresentation and signed your new member upyou might say something like this: “This isreally great. I am sure that you will realize greatsavings with this plan for you and your family.Not only will you save money, but you will haveaccess to the finest healthcare networks in thecountry. Are you as excited about the greatdecision that you just made as I am? Well,

aren’t there some folks that you care enoughabout that you would like to be able to realizethe same great savings and benefits that youare going to be getting? Would you mind givingme their names and contact information so thatI can contact them and say that you referredthem because you wanted to share your greatdecision with them?.” Get the information, andthere you go. If you do this with everyone thatyou talk to, you will never run out of people totalk to.

If you haven’t closed the prospect, you mightapproach them like this: “I know that youhaven’t seen fit to join our great AmeriPlan®

family of millions who are saving money everyday on their healthcare, but your situation maychange in the future, and at that time I will beglad to help you…in the meantime, you mustknow of a lot of people who are not in theposition that you are and that are in need of away to get better health care and to savemoney while doing it. I am sure that you wantto see their situation improve and I would likethe opportunity to speak with them. Could yougive me some names and contact informationon those who you think could best be served byour incredible programs? I will be sure to useyour name and let them know that you werethinking about them”.

See, that is not too difficult and I am sure thatyou can do it. One of the nice things is that themore that you do it the easier it becomes. Also,if you have gotten to speak to people throughthe referral method, it is natural for them togive you more referrals. People have atendency to respond to a situation in the waythat they were exposed to that situation. Inother words, referrals beget referrals. Thinkyou can do it? I do…now get out there and try.It may not work perfectly the first couple oftimes, but do not give up…keep on trying untilit becomes a natural part of your presentation.

The proof of the pudding for me was that in myfirst year in life insurance where writing$1,000,000 was considered a big deal, in myfirst year I personally wrote in excess of$7,000,000. Trust me … this works!


If someone were to ask me what the lifeblood of this businesswas, I would not have to think too long to come up with ananswer, what about you?

Q: I thought this promotion was for new IBOs. Can existing IBOs participate?

A: Yes. If you are an existing IBO (not an RSD or higher) on October 1, 2007, you are eligible. You have until October 22, 2007 to qualifyas an RSD SuperStar. If you do, you will have 60 or 90 days from your RSD promotion date to reach SRSD SuperStar status.

Q: Do I have to achieve RSD SuperStar status first in order to qualify for SRSD SuperStar status?

A: Yes

Q: Suppose I achieve RSD SuperStar status and sign up a new IBO during my $90 SuperStar Bonus period. In addition to the $90 Bonus, will Ireceive residual commission as well?

A: Yes. Your 30% residual commission ($15/mo.) will be paid as-earned on IBOs submitted during your SuperStar Bonus period.

Are you a new IBO since October 1, 2007? Were you an existing IBO* as of October 1, 2007? If you answered “yes” to either question, then we have one more for you …

Are you working on your SuperStar status?!

* See the downloadable flyer on your IBO Support Web site for complete rules and details.

Frequently Asked Questions:

* (non-sales director)

New IBOs and existing IBOs (non sales directors) can earn elegant AmeriPlan® writing pens and SuperStar lapelpins by achieving RSD and SRSD status this fall. Most importantly, you can earn $90 non-chargebackableSuperStar CASH Bonuses for new IBOs you personally sign up.*

Did youknow?

~ Referral-generated

customers are the

most cost efficient,

profitable, and loyal

source of new

business.


on average will

generate five times

more revenue than a

non-referred customer


has on average a 92%

retention rate over the

next two to three years

vs. a 67% rate for a

customer who is

acquired through

another marketing

method.

BNET Research CenterBNET.com

4 0 4 8 2 9 7 7

SUPPORT OUR TROOPSIn this issue, since as we are going to press, the United States Marine Corps is celebrating a birthday on November 10th, we will provide a short history of thisproud branch of the United States military. Surely, thereis no more universal a motto to indicate bravery,dedication, honor, strength and camaraderie than that of “Semper Fi” for the Marine Corps “Semper Fidelis” or “Always Faithful”. Surely there is no more proud a group than that of the United States Marine Corps.

Marines are always the first in, defending America against any and all perils. From the American Revolution to the Persian Gulf War to battles for freedom yet to be waged, the Marine Corps remain at the ready.

What makes the Marines different from other militarybranches? The Marines have been:”First to Fight” forover 250 years. The Marine Corps is the only branch ofthe armed services specifically organized with air, landand sea-based expeditionary fighting capabilities.

The United States Marine Corps instills customs and traditions and live by the Core Values:

Honor, Courage and

Commitment.


Common Attributes of Successful MarketsCommitment ~ An unwavering determination to buildthe business and the market.Perseverance ~ Consistently expose new prospectsto AmeriPlan®.Teamwork ~ Competition and cooperation workingin tandem.Leadership ~ Committed, stable, consistent, growing.Meeting System ~ Everyone “plugs in” and commitsto support it. The positive meeting environmentattracts people.

Communication ~ Builds relationships, respect,and teamwork.Recognition ~ Plenty of praise for every accomplishment.Prospects ~ Commitment to bring prospects to meetings.Company Events ~ Important for all, and especiallynew IBOs – a point of emphasis at meetings.

and families and had fun together.People want to be a part of somethinglike that.”

The Dooleys believe that the meetingenvironment is a big key to Atlanta’ssuccess. As Fred puts it, “If the meetingenvironment is good, it’s good foreveryone. Everyone benefits if they plugin and stay plugged in. It’s a tremendousadvantage in building a lucrativebusiness.”

Another fortunate event took place in1999 when National Sales DirectorMichelle Daniels joined the company.She says that even in the early days, theAtlanta meetings were lively, excitingand motivating. “We couldn’t wait to getto the meetings,” said Michelle. “And youdidn’t even think about not showing up.It was a commitment.” Michelle says thatover time, she and the other IBOslearned to work the “meeting after themeeting,” spending quality time withprospects and answering their questions.“After the meeting we’d all go out to eat,and that’s where we’d bond as a team.”

Michelle believes there are threeimportant factors that have helpedAtlanta excel over time. First, theleadership has stayed “plugged in” to themeeting system, supporting itconsistently year after year. Second, theAtlanta leadership holds monthlyconference calls. The calls facilitategood communication among the leaders,supporting the personal relationshipsthat have developed between them.Third, meeting responsibilities arerotated among the leaders. Part of that

responsibility entails assigning new, upand coming leaders to conduct portionsof the meeting. This helps new leadersdevelop.

Executive Sales Director John Myersjoined AmeriPlan® in August, 2003 at a“Barrel of Cash” meeting in Atlanta. Johnsays, “Shortly after signing up I went tothe office for the first time. Theatmosphere was upbeat and positive;everyone shook my hand. I rememberthinking that these are people I wouldenjoy being around whether I join thecompany or not. People looked like theywere having a good time.”

John says that the meetings breedsuccess because everyone celebrateseveryone else’s success. “You always getplenty of recognition for youraccomplishments. Plus, everyone leavesthe meetings thinking they can do it too.”John thinks it is important thatprospects are welcomed with genuinewarmth no matter who brought them tothe meeting. “No one cares who theprospect belongs to,” he says. “Theywant to make the guests feel special andglad that they took the time to come.”

Atlanta’s newest National Sales Directorcouple is Deborah and Lyndell Smith.“Smitty” and Debbie joined AmeriPlan®

in October, 2002 as a favor to theirdaughter Tiffany. At first, the Smith’s didlittle with the business. Then Debbie gotdownsized out of her corporate job.Their kids needed dental work, so theyused the plan and saved a bundle. That iswhen they realized, as Smitty says, “Ifour kids need the plan, others must need

it too.” So Debbie and Smitty startedworking the business. Smitty says,“Once we got that first check, we werehooked!”

Debbie believes that once of thestrengths of the Atlanta market is theleadership’s commitment to thebusiness. She says, “You go to themeetings, you see what people areearning, and you want to experience thatsame success. It really stands out thatthose who are earning the big money arecommitted to the market. They could beoff doing something else, but insteadthey are there offering training andencouragement. That stability andconsistency makes everyone feel that ifthey stick to it and stay plugged in, theycan join those who earn six-figureincomes.”

These stories, and many others we don’thave the space to print, underscore thekey reasons why Atlanta has developedinto one of the most successful marketsin AmeriPlan® It is a safe bet that allsuccessful markets have severalattributes in common.

The results speak for themselves. TheAtlanta market currently has (active) 1NVP, 15 NSDSs, 5 SESDs, 29 ESDs, 39SRSDs and 220 RSDs. Take a close lookat your market. Of the success factorsdiscussed in this article, how many doesyour market possess? If your marketlacks many of them, meet with the IBOsin your area to develop and commit to aplan to become a top AmeriPlan®

market.

1775 – The Continental Congress authorizes two battalions of American Marines.1778 – Captain Nichols and twenty-six Marines capture Fort Nassau in the Bahamas.1798 – President John Adams signs Act establishing the United States Marine Corps.1847 – Marines help seize fortress of Chapultepec, built on the site of the Halls of Montezuma.1885 – Captain Tilton leads a Marine force in Korea. Marines also protect the Panama

trans-isthmus railroad.1898 – Marines land at Guantanamo Bay, Cuba. U.S and Spain sign Treaty of Paris.1899 – Marines attack Filipino insurgents at Novaleta.1900 – Marines defend Legation Quarter in China during the Boxer rebellion.1917 – U.S declares war on Germany, 5th Marine Regiment sails for France.1942 – 1st Marine Division lands on Guadalcanal. 2nd Raider Division raids Makin Atoll.1942 – The first black Marines enlist in the Marine Corps.1943 – Women’s reserve program announced. 1944 – D-day. U.S. lands in Normandy. Marines in 2nd, 3rd & 4th Div. fight on the Pacific front.

Since we have received such a ground swell of positive comments about the “SupportOur Troops” segment of the AmeriPlan Vision, we are adding another feature that webelieve you may enjoy. We will feature in each issue a small background piece on thehistory of each branch of our Armed Forces, in future issues we will even expand tofeature specific units within the services.

H David Cain Hasan Shahid Hernan Calfucura India Bayton James Smith Jeannie Millsap Jennifer Elie John Myers Joshua & Nichole

Pockrus Joshua Waterstone Keyvan Ghafoori Kyla Dureaux Lenora Buckley Margie West Nettie Jones Penny Wright Randall Jones Samuel Mihordea Shona Hill Ben Wagenman

Senior RSDsAdolph Lovett Ali Williams Alice Beyah Andrew Mueller Angela Rogers Anthony Dixon, Sr. Brian Schott Claudia Taylor Danette Hughes Darius Meadows Denise Johnson Denise Lynch Earnest & Cathey

Gissendanner Iris Settle Evelyn Ford Frank Blackwell Frankie Kirk Ghislaine Smith James Dunaway

Joan Garrett Joanne Travis Joseph Casserly Joseph Smith Ken Trunk Khadijah Roberts Marion Clemmons Mary Mongeon Michael & Valerie Acker II Renee Adair Richard Washington Ronald Jones Sabrina Johnson Sonya Donaldson-Moretti Sorin Feldiorean Tammy Lapread Vanessa Heggie-Mcclure Vera Covington Victoria Crabtree Walter Graves

Historical Timeline:1945 – Marines secure Iwo Jima. Japan and Germany surrender unconditionally.

Marines land in Tokyo Bay & North China and disarm 630,000 Japanese soldiers.1948 – First eight enlisted women sworn in as Regular Marines.1950 – North Korean forces invade South Korea. 1st Marine Division lands at Inchon

and retakes Seoul.1954 – The Marine Corps War Memorial dedicated next to Arlington National Cemetery.1956 – Marine battalion from Sixth Fleet evacuates civilians from Egypt.1965 – 9th Marine Expeditionary brigade lands at Da Nang, South Viet Nam1967 – PFC James Anderson, Jr, is the first black Marine to win the Medal of Honor.1971 – Last Marine ground troops leave Viet Nam.1990 – Iraqi army invades Kuwait. Marines begin buildup in the Persian Gulf.1991 – Operation Desert Storm. Marines 1st and 2nd divisions push through Iraqi lines.

Marine helicopters evacuate 281 civilians from the American Embassy in Somalia.2001 – Global War on Terrorism declared. Marines deployed to defend freedom.

4 0 3 9 0 0 3 5

FEATURED MARKET DECEMBER ~ SUPPORT OUR TROOPS

What makes a great AmeriPlan® market– month after month, year after year? Isit leadership? A strong meeting system?A positive, upbeat environment thatbreeds success? A focus on recognitionand praise? The answer is all of theabove, and nowhere are thesecharacteristics more in evidence than inAtlanta, Georgia, our featured marketfor this issue of Vision Magazine.

How did Atlanta move from “zero” to amarket that has earned multiple “Marketof the Year” awards and perenniallyranks in the top three AmeriPlan®

markets? To answer that question, let’stravel back to when AmeriPlan® inAtlanta was more like Ameri-Who? In1997, NVP Mark Jarvis focused some ofhis time and energy helping the Atlantamarket get off the ground. He begantraveling to Atlanta each week from hishome in Houston.

Mark remembers, “It really started out asa three-month commitment to establisha foothold in the Atlanta market. Thenpeople like Joe and Carol Garvey, Evelynand Sam Walker and Todd and LisaBratcher joined AmeriPlan®, and plantedthe seeds that helped Atlanta getstarted.”

In the beginning, it was perseverancethat paid off. It was about working thenumbers, staying in front of people.Mark ran ads, interviewed prospects,worked the phones and signed up newIBOs. Then it was home to Houston and

back to Atlanta the next week.

Business progressed, but not atbreakneck speed. Then one day, Mark’sad caught the eye of a man who was inthe insurance and financial planningindustry. He was looking for somethingmore fulfilling, more lucrative. His namewas Joe Garvey. Joe and Mark met andJoe joined AmeriPlan® in June, 1997.Today, Joe and wife Carol are NationalVice Presidents and among the topearners and leaders in AmeriPlan®.

The point here is that Mark Jarvis kepttalking to new people until the law ofaverages brought him in contact withthose who would ultimately assume keyleadership roles in the Atlanta market.He persevered, didn’t give up, didn’t quit.

When asked what makes Atlanta a high-performing market, Joe Garvey says aspirit of “co-opitition” pervades themarket. What is “co-opitition”? In Joe’svernacular, it means a combination ofcooperation and competition. Joe says,“We all work to achieve our individualgoals, but we also strive to create apositive, uplifting environment thatbenefits everyone.” Carol Garvey adds,“There is strong camaraderie in Atlantaamong leaders and IBOs alike. Werespect each other. We communicate.When we hit bumps in the road, weknow we are going to get through it andend up stronger as a team. We just don’tlet anything cause a permanent fracture.We don’t allow challenges to drag on

without communicating about them andresolving whatever issues we face.”

In 1998, National Sales Director GeorgeRamsey joined AmeriPlan®. Georgeremembers a decision he made afterbecoming an IBO that had a profoundimpact on his career. “I made thedecision to attend AmeriPlan’s NationalConvention, even though I couldn’treally afford it,” George says. “When Isaw the leadership on stage, therecognition, the awards IBOs received, Igot excited about becoming a leader.When I got back to Atlanta, I toldeveryone that we needed to work as ateam and set a goal to be the number onemarket in AmeriPlan®. Ultimately, thatgoal came true.” George believes thatAtlanta’s focus on attendance atcompany events, particularly for newerIBOs, has contributed greatly to itsgrowth.

By 1999, Atlanta was doing well butthere was still room for growth. MarkJarvis continued making periodic tripsfrom Houston. That year, Lorraine andFred Dooley joined AmeriPlan®.Lorraine says that when she and Fredjoined, about 25 people attended themeetings regularly. Lorraine says, “We allmade a commitment to each have two orthree guests at every meeting, and afterthat we began to grow faster. Themeetings were fun. We looked forwardto them, and I think our prospectspicked up on that. They saw people wholiked each other, knew each other’s kids


Atlanta ~ Year after Year. a Great AmeriPlan® Market!AmeriPlan Family Military Personnel Branch RelationshipAlemeta Bradley ..........................Command Sgt Major Darren M Bradley (E-9) ............Army ................................HusbandAmber Wade ..............................Lieutenant Micah Steinpfadt ....................................Marines ............................NephewBetsy Sheffield ............................Corporal William B Hancock ....................................Marines ............................CousinCatherine Heath ..........................Kristopher M Weidner ............................................Navy SeaBee ....................SonChantel Francis ............................Billie Jean, Military Police........................................Army ................................DaughterChasity L Prescott ......................Petty Officer Second Class Carlton A Prescott (MK2) ..Cost Guard ........................HusbandDanielle Browning ........................Corporal Christopher W Prange................................Marines ............................SonDarrin Swait ................................Specialist Justin Doty..............................................Army ................................Son-in-LawDavid & Lynne Crowley Sr ............Sergeant First Class David Crowley Sr......................Army Retired ....................self

Sgt (P) Christopher L Crowley..................................Army ................................SonDebra Alfred ..............................Private Jarvis Baylor ..............................................Army ................................NephewDiane Knopf ................................Sergeant David W Knopf Jr ....................................Air Force ..........................Grandson

Private Luke Stevens ..............................................Army ................................GrandsonTessa Knopf ..........................................................Army ................................Granddaughter

Diane Weatherford........................Airman First Class Joseph Maleski (E-3) ..................Air Force ..........................SonDina Pezzimenti ..........................Sergeant Joseph A Pezzimenti (E-8) ........................Army ................................FatherDolly Charley ..............................Specialist Jason Young ..........................................Army ................................Brother

Andrew Charley ....................................................Marines ............................Brother-in-LawCorey Talkington ....................................................Air Force ..........................Cousin

Eboni Sears ................................Seaman Eboni Sears (E-3) ....................................Navy Reserves ..................selfElizabeth Carter ..........................Lance Q Carter, AVH ..............................................Navy ................................Son

Staff Sergeant Lando Carter ..................................Army ................................Brother-in-LawPrivate First Class Corey Evans ..............................Marines ............................NephewChief Warrant Officer Johnny Jackson ......................Army ................................Cousin

Erika Henke ................................Captain Erika Henke ..............................................Air Force Retired ................selfFaustina Naros ............................Private Jordan Kunze (E-3)......................................Army ................................FriendGary & Susan Sims ......................James Sims, E.O.D. Watch Officer ..........................Marines ............................Son

Lance Corporal Ty Sims (E-3) ..................................Marines ............................SonGloria & Bruce M Wright ..............Private First Class Jermaine M Wright (E-3) ..............Army ................................Son

Private First Class Sammir Wallace (E-3) ..................Army ................................GodsonGwen Dobbs ................................Sergeant April Dobbs..............................................Army ................................SisterHal Bigelow ................................Specialist Adam Bigelow ........................................Army ................................NephewHelena Caesar ............................Senior Airman Teresa Aquino (E-4) ..........................Air Force ..........................DaughterHope Butrum................................Specialist Andy K Koonce II (E-4) ............................Army ................................FianceIsabel H Coll ................................Master Sergeant Axel L Coll ....................................Army Retired ....................Husband

Sergeant First Class Manuel A Hernandez ................Army Retired ....................BrotherSpecialist Jesus Rodriguez ......................................Army ................................NephewLieutenant Anselmo Feliciano ..................................Air Force ..........................Bother-in-Law

Janet Kanan ................................Sergeant Louis Kanan Jr ........................................Marines ..........................HusbandJeanne Condon ............................Private First Class Daniel J Condon (E-2)..................Marine Reserves ................SonJessica Wojak ..............................Senior Airman Thomas J Wojak (E-4) ......................Air Force ..........................HusbandJoan & Ken Schonfeld ..................Captain Brian H Schonfeld ......................................Army ................................SonJoel Witham ................................Major Joel B. Witham, Infantry ................................Army Reserves ..................selfJohn Duncan ..............................Captain Kirk Duncan ..............................................Army ................................BrotherJohn Phillips ................................Sergeant David Dixon ............................................Marines ............................Brother-in-LawJoseph Valerio ............................Staff Sergeant Michael Valerio ................................Army ................................BrotherJulie James ................................Private First Class Kyle D Meyers ............................Army ................................SonKaren Morris-Queen ....................Sergeant Eugene R Greathead ................................Army, Special Forces ..........SonKim Weatherford ..........................Specialist Sherry Young ........................................Army ................................NieceKimberly Belzer ..........................Petty Officer Second Class Anne Bahamon (E-5) ......Navy ................................SisterLeigh Stansbury ..........................Technical Sergeant Tim Stansbury (E-6) ..................Air Force Reserves ............HusbandLori Floyd ....................................Seaman Apprentice Stephen Hunter (E-2) ................Navy ................................NephewMegan Hoppe ..............................Specialist Stephen C Hoppe ....................................Army National Guard ..........HusbandMarkell Wilson ............................Private First Class Nicole Mitchum ..........................Army ................................Best FriendPatricia Olguin ............................Ruben Olguin (E-4) ................................................Army ................................HusbandPatricia Wilder..............................John C Morgan, Airman Basic (E-1) ..........................Air Force ..........................SonPaul Fogle ..................................Specialist Ruth Fogle ..............................................Army ................................DaughterPriscilla Reed ..............................Sergeant Justin G Killam ........................................Marines ............................SonRene’ Smith ................................Master Sergeant Phillip M Smith ..............................Marines ............................HusbandSherry Breeden ............................Technical Sergeant Darnell Breeden (E-6) ................Air Force ..........................HusbandSandi & George Sossamon ..........Corporal Wes H Peck ............................................Marines ............................SonShawna Rynn ..............................Sergeant Kevin Fouty ............................................Air Force ..........................CousinSheri Davis ..................................Sergeant Jeffrey Davis............................................Special Ops Reserves ........Husband

Lieutenant Colonel Fred Allen III ..............................Air Force Retired ................FatherSteve & Theresa May ..................Gunnery Sergeant Benjamin Plattsmier (E-7) ............Marines ............................Son-in-LawSusan Kallaher ............................Captain Shary Day ................................................Army ................................Sister

Chris Kallaher ........................................................Contractor in Iraq ..............HusbandNick Day ..............................................................Contractor in Iraq ..............FatherPaul Day ..............................................................Contractor in Iraq ..............UncleRodger Day ..........................................................Contractor in Iraq ..............Uncle

Jenney Johnstone-Smith................Chief UT William Smith ..........................................Navy SeaBee Retired..........FatherVanessa Merritt ............................Staff Sergeant Edward Meritt ..................................Air Force ..........................HusbandWilson Quiles ..............................Petty Officer Third Class Tim Ford (E-4) ....................Navy ................................Son

Sergeant Dante Luis Quiles ....................................Army ................................Son

National Vice PresidentsJoe & Carol Garvey

National Sales DirectorsAlicia Lippman Fred & Bertha BenderCheris Baker

Cindy Wright Michelle Daniels Deborah & Lyndell Smith Dr. Bob & Carol Waterstone Elizabeth Howison Evelyn Walker George & Sheryl Ramsey John Harley Lorraine & Fred Dooley Sherry Gilbreath.

Todd & Lisa Bratcher Pabs & Vijay Raghava

Senior ESDsBernice Rhinehart Caroline Watson Eleanor Peterson Joan Chastain Linda Grice

Executive Sales DirectorsClaudia GibsonAlbert Boykin Brian Ray Cindy Chapman Deborah Griggs Diane Franks Donna & Eric Brown Eunice William Frank Scaramellino

Those included in this issue were received by the publication closing date of November 10, 2007.The names that we receive after that date will be included in the January issue.

FROM DERRIC FARRUYA AMERIPLAN® CORPORATE PROFILE

AMERIPLAN® FEE SCHEDULE MAP

Doug Brooks has worked for AmeriPlan® sinceFebruary, 2004. He started out working inMember and IBO services before moving toProvider Relations. Doug is now the Directorof Network Development. He manages a teamof 130 provider representatives and isresponsible for helping to build and maintainthe proprietary network of dental,chiropractic, and medical providers. His goalis to have the AmeriPlan® physician’s network100% proprietary by next year.

Prior to joining AmeriPlan®, Doug lived inHawaii for 16 years where he attended theUniversity of Hawaii, making the Dean’s Listand graduating Summa Cum Laude inInformation Technology. He also worked for aHawaii-based travel company as the Directorof Training and Customer Care.

Even though Doug still longs for the coolocean breeze, he eventually found his wayback home to Texas where he met and fell inlove with his wife of 18 months, Myla. Outsideof AmeriPlan®, Doug is the consummate familyman. He spends time with Myla, his son Alex(age 12), and the newest addition Kyle (age1). His weekends are consumed withattending Alex’s soccer games and playing ballwith Kyle who seems to have quite an “arm.”In his spare time Doug enjoys reading sciencefiction or fantasy novels. One other tidbit,Doug’s parents, NVPs Dale and Donna Brooksare the second IBOs ever in AmeriPlan® andthe second highest earners.

Can you name one good reason whyAmeriPlan® works so well in the employeehealth benefit arena?

How about, AmeriPlan’s non-insurance medicaland dental discount programs are eligible forpre-tax benefits.

This brings up the matter of gross income vs.net income:

Gross income is your paycheck before UncleSam takes out what he wants. Net income isthat which is left after these deductibles. Thevalue of converting after tax expense to pre-taxexpenses is that whatever you pay for beforetaxes are subtracted from your gross income,thereby reducing the amount of income that isconsidered your gross taxable amount. A pre-tax eligible expense is one that the governmentwill allow you to pay for prior to the deductionof your taxes from your pay.

Why is this information important to us? It isimportant because the lower we make ourtaxable income, the less income is taxed andthe more money is left for us.

There are many possibilities for you to considerfor maximizing these tax benefits for yourclients or prospects.

AmeriPlan® discount health benefit programsmay qualify for one or more pre-taxconsiderations depending on the specifics ofthe employer’s benefits and trust agreements,but it is worth exploring these opportunities:

Health Savings Accounts

Employee Benefit Programs

Section 125 plans (cafeteria plans

Health Reimbursement Accounts

Medical Escrow Accounts

In addition, don’t forget, offering AmeriPlan®

as a free standing voluntary or involuntaryemployee benefit.

You might also use this information to assist aManaging General Representative (MGR) whois trying to figure out exactly how he or she canuse the AmeriPlan® discount health benefitprograms.

If you would like to learn more on how tointroduce prospects to the idea of utilizingAmeriPlan® as a pre-tax benefit you cancontact me at 469- 229-4023 or by email:

[email protected]


Pre-Tax Benefits of AmeriPlan® Meet Douglas Brooks

Derric FarruyaNational Marketing Director

MGR Program & Group Sales

DOUGLAS BROOKSDirector of Network Development

ProgramsNot

Available

ProgramsNot

Available

ProgramsNot

AvailableProgramsNot

Available

ProgramsNot

Available

ProgramsNot

Available

(Oahu Only)

Seattle

Portland

Denver

Tulsa

Nashville

Memphis

Atlanta

Port St. Lucie

Pensacola

KansasCity

MinneapolisSt. Paul

St. Louis

MilwaukeeDetroit

Indianapolis

OklahomaCity

DallasFort Worth

Austin Houston New Orleans

San Antonio

Colorado Springs

I was injured at work and was not getting the proper care from myemployer including guidance to seek additional medical treatment byBergelectric, Concentra and their affiliates. One month later I askedmy employer for assistance and information on my injury and I wasfired under false accusations. Knowing I was fired for my work injurymy family could not afford the cost of continuing COBRA health careat $600 without dental per month. We bless the day that Jon Deshazoapproached me at a gasoline station and offered me the chance of alifetime medically and business as well. His actual words were “doyou know anyone that needs inexpensive Health Care”? I said yes aswell as took his business card too. Now I pay $30 instead of $45 at thespecialist, My wife picks up her meds for $5.61 instead of $30, Mychildren see a reputable pediatrician and get the same proper care aswith any health care out there, My wife also gets the proper dentalcare as she never received with other insurance companies that reallydid not give us the savings AMERIPLAN® gives us now! For the RiveraFamily, there is no looking back with AMERIPLAN®. Even if we gotinsurance for free!!! AMERIPLAN® really saved us from what ishappening to millions in the U.S.A.

Juan R

We recently used the AmeriPlan® 24 hour Nurseline and were reallyimpressed with the RN that we spoke with. My husband had a painfulrash on his arm a few hours after working in the yard... poison ivy.We are from the desert and have no experience on how to treat it. TheRN did a thorough medical history and asked lots of questions aboutthe rash. She told us several remedies to prevent furthercontamination. I am so thankful as she saved hours of time in theurgent care and $100’s of dollars. Every time we have gone to anurgent care center the bill was always over $200.

Warm Regards, Debbi C, RN, ESD

“Thank you AmeriPlan®! With the aid of our AmeriPlan® DiscountPrescription Card, I was able to save one of my customers over $1013per MONTH on her prescriptions! We lowered the price of hermonthly prescriptions from $2000 to $987!!! She is VERY VERYhappy.”

Donna K

4 0 5 4 3 7 5 1

FROM JULIA BAKER

PROVIDER RELATIONS

IBO BENEFITS

With AmeriPlan’s exciting NEW IBO Program; you can shoponline and save money while earning AmeriCredits towardyour purchases on the AmeriPlan® Sales Aid Store; just thinkabout it...what a Great way to Earn AmeriCredits!

The AmeriPlan® AmeriCreditSaver.com website is veryintuitive; you can find just about anything that you mightneed or want. Whether you are comparing satellite servicesagainst cable TV vendors, locating a belt to fix a brokenwashing machine, planning a special vacation or furnishing anew office, this site will save you money. If you are buying newappliances, furnishings, or electronics for your home, andmuch, much more, this site will save you money. Remember,while you are shopping and saving, you are actually earningAmeriCredits. AmeriPlan’s AmeriCreditSaver.com is yourspecial place.

AmeriCreditSaver.com has carefully researched and selected the bestvendors and offers available online. At the same time, everything youpurchase through this site will earn you AmeriCredits from AmeriPlan®.There are more than 700 vendors supporting this site. The more you shop,the more AmeriCredits you will receive. This is one more way thatAmeriPlan® is “Delivering on the Promise™”.

All you have to do to start earning today is simply log on towww.americreditsaver.com and enter your email address or your IBO ID#and state to insure that you will receive AmeriCredits from all purchasesthat you make.

AmeriCreditSaver.com is an exclusive benefit for you!!!

Everyday the AmeriPlan® Provider RelationsDepartment receives calls and emailsregarding acquiring more providers in certainareas. Sometimes those calls are from areasconsidered less than a major market area ormay be in an area/state that is resistant tobuilding healthcare networks. As you haveheard me say before, there are just some areaswe and other network-based companies willalways find difficult to build a suitableprovider base.

However, many times even in major markets,potential providers will ask, “How manymembers do you have in my area?” They willthen inquire about existing providers andcalculate whether being an AmeriPlan®

provider will be beneficial in growing theirpatient base. If we have only a few membersand 2-3 “like” providers, they may not see anyadvantage to being part of the network. Theresult is no additional providers.

Now, this is beginning to sound like the old“which comes first, the chicken or the egg?”question, but it is really a dilemma that wecannot ignore when recruiting our networkproviders. I know the focus for some IBOs is toconcentrate solely on acquiring new IBOs ontheir team, but let me tell all of you thatMEMBERS are the foundation of AmeriPlan®.Yes, you need to build your sales team, but themembers are your “bread and butter”. If youdon’t have members, how can yousubstantiate the necessity of your product?

Most of you, when talking to IBO prospects,use facts about the need for alternative accessto healthcare, i.e., 47 million without healthcare coverage and AmeriPlan’s 15+ years as aleader in the consumer driven dental /healthcare market. If I were an IBO prospectand you were trying to bring me on board, Iwould ask you, “How many members have yousigned up to use your healthcare programs?”Your answer might make or break my decisionto join your team. Would you join a sales forceof any company that didn’t sell their product?

Are you beginning to get the picture?

Provider attrition can also be linked to lack ofmembers. When a provider is lost, ourdepartment will many times receive callsabout this loss, especially if they are the onlyone or one of just a few. Occasionally, I doresearch to see how many members we havein that area and what other providers areavailable. Generally, I am dismayed to see weonly have a handful of members within a 50miles radius. Finding a new provider toreplace the cancelled provider may be hard todo considering the “utilization” facts.

What can you do? Partner with us andprospect for members as well as IBOs. You willthen have a balanced business andAmeriPlan® Provider Relations will have morecredibility going into the prospectiveprovider’s office. This gives us all a “win-win”outcome and that’s what it’s all about!


What Comes First … More Providers or More Members? How About Those AmeriCredits!!!

Julia BakerSenior Vice President

Provider Relations

Medical Proprietary States UpdateFour more states join the “proprietary state” status: Delaware, Maryland, Virginia (central andnorthern) and Washington DC. This brings our total to 20 medical proprietary states. Keep thereferrals coming in!

Here is a list of all medical proprietary states:

California Louisiana Washington, DC New York Arizona

Nevada Texas Georgia Arkansas Indiana

Florida Maine Oklahoma New Jersey Connecticut

Virginia Maryland Delaware Pennsylvania Island of Oahu, HI

QualSight is New Name for AmeriSight Lasik ProgramYou may have already noticed a new banner with QualSight Lasik Program on the providerlocator webpage. No, it is not a new provider, but a new name for AmeriSight. You will stillreceive the same wonderful service as many of you have already experienced. And, becausemany of you have requested brochures explaining this spectacular health service, you may nowpurchase them in bundles of 25.

“How many members

have you signed up

to use your

healthcare programs?”

Dental Tidbits

74% of Americansthink an unattractive smile

can hurt their career;

50% of Americans do not like their own smileper a survey conducted by

the American Academyof Cosmetic Dentistry.

Insurance typically does not covercosmetic dentistry, but

AmeriPlan® provides a discounton ALL these services!

www.autoworld.com/ameriplanusa.htm http://bsd.officedepot.com

www.dasautoshippers.com www.autoworld.com/carparts.asp

www.ameriplan.framesdirect.com www.1800flowers.com

www.dell.com/eppbuy www.ameriplan.freeconferencecenter.com

https://ameriplan.callsprint.com www.wirelessmarketplus.com

www.knowdebt.org. www.ameriplanusa.com/Internet

www.ameriplanfreedompass.com www.notefix.com/ameriplan

www.AmeriCreditSaver.com Talk AmeriPlan™

Accidental Death & Dismemberment Insurance

Please login to your IBO Support under “IBO Programs” for more details.

Note: First time users mustclick on “Register Now”to enjoy all the benefitsAmeriCreditSaver.com

has to offer.

We would love to hear from you! Please send testimonials regarding

the experience of utilizing yourAmeriPlan® IBO Benefits to:

ib ob enef i t s@amer ip lanus a .com

AMERICREDITSAVER.COM

1 2 8 5 2 4 4 0

BUSINESS BUILDERS MEET YOUR DSM

Jim Hardin has been an integral part of theAmeriPlan® family since joining us inSeptember, 2001. He is our Divisional SalesManager for the Southeast Division of the U.S.(Alabama, Arkansas, Florida, Georgia, Kansas,Louisiana, Mississippi, Missouri, Nebraska,North Carolina, Oklahoma, South Carolina, andTennessee) which includes this month’sfeatured market – Atlanta, Georgia. In his 25years of business experience, Jim worked forindustry leaders Mary Kay for eight years andBeautiControl for ten. Over his career Jim hasdeveloped a strong background in salesmanagement and human resources. Prior toentering the network marketing industry, Jimwas a successful executive with both Searsand Dr. Pepper.

Jim, “Big Dog” as he is affectionately known byfriends and co-workers, takes great pride inthe professional and personal relationship thathe builds with each and every IBO. Hisexperience gives him an exceptional ability tobuild a rapport with IBOs from allbackgrounds, and his year of expertise affordshim the strength and knowledge to findfavorable solutions to all challenges.

On a personal level, Jim’s weekends are funand family-filled. He and his wife, Diane,celebrated their 41st wedding anniversary inSeptember. Jim and Diane have four children,Angie, Trey, Wendy, and Tim who is deceased.The Hardin family lives in the DFW metroplexwhich provides them the opportunity to spenda lot of quality time together. They regularlyenjoy time with their seven grandchildren:Logan, Brenden, Caden, Gannon, Nolan,Kannan, and Ryan who range in age from nineyears old to six months. On weekends Jimattends his grandchildren’s cheerleading,soccer, baseball or football games and if he’snot watching the grandchildren play sports,he’s playing one of his passionate sports – golf.During football season, you’ll find Jimwatching his favorite college team, NotreDame, or his favorite pro team, the DallasCowboys! Jim is a steak and potatoes guy wholoves traveling with his wife. Their favoritedestination is Cabo San Lucas. Around theholidays the whole family gathers at theHardin house for good food and family fun andwhen it’s all said and done, Jim’s out like a dog,taking a nap … hence the name “Big Dog.”


Business Briefings Jim Hardin

NameTitle

Jim HardinDivisional Sales Manager

Southeast Division

This is the first in a series of profiles on the AmeriPlan®

Divisional Sales Managers. We feel very strongly that we havethe best team in the industry and we know that you agree.

Western Division:TODD WILSON

Divisional Sales [email protected]

Gabe FloresExecutive Assistant

[email protected]

Northeast Division:LINDA ROWDENDivisional Sales Manager

l [email protected]

Scott LawsExecutive Assistant

scott [email protected]

Southeast Division:JIM HARDIN

Divisional Sales Managerj [email protected]

Joseph KerrExecutive Assistant

[email protected]

Arizona

California

Colorado

Hawaii

Idaho

Nevada

ConnecticutDelaware

IllinoisIndiana

IowaKentucky

MaineMaryland

MassachusettsMichigan

Alabama

Arkansas

Florida

Georgia

Kansas

Loiusiana

Mississippi

Missouri

Nebraska

North Carolina

Oklahoma

South Carolina

Tennessee

MinnesotaNew Hampshire

New JerseyNew York

OhioPennsylvania

VirginiaWashington D.C.

West VirginiaWisconsin

New Mexico

Oregon

Texas

Utah

Washington

From time to time we get a variety of requestsand/or comments about the best way to buildyour business, particularly when you are juststarting out. Sometimes we are asked forscripts, or cd’s of people makingpresentations. Other times we get request forexplanations of how the leaders do theirbusiness and what kind of presentation eachone makes when presenting the program orthe business opportunity. Our answer rarelychanges, because the circumstances rarelychange. First of all, when we look at theleaders in the field and try to arrive at astandard presentation, we have a hard time.While the message always follows the sametrack the presentation is as varied as thosedoing the presentation. This fact makes itvery hard to give on standard outline thatwould work for everyone.

What we have found to be the most successfulmethod over time to learn what to say andhow to say it is attendance at as manybusiness briefings as possible. Thecombination of the live presentation and theprofessional quality DVD seems to be the mosteffective. There is also the positiveenvironment and the personal testimonialsthat are being shared at a business briefingthat helps to crystallize the facts into acohesive and effective presentation. All in all,it is very hard to do better than theinformation and attitude that comes out of abusiness briefing. Our recommendation is togo to a number of briefings to listen and learn

from the experts. Take what you have learnedand practice until you are very comfortablewith your presentation. Volunteer to do someof the live portion of the presentation onceyou feel comfortable and confident. Do it overand over until it becomes automatic and anintegral part of you. You should not have tothink about what you are going to say or howyou are going to say it by then; it should justbe perfect each and every time.

In addition to the business briefings, you mayalso want to initiate three-way calls with yourupline leader or trainer. This is anopportunity to hear another aspect of apresentation. You invite the prospect and letthe leader make the presentation. You mayfind this method of selling and learningparticularly useful when you do not haveready access to business briefings. No matterwhat, you can always find a way to getplugged in to someone or an event that willmove you in the direction of success in yourAmeriPlan® business. In time you will be theone that others are turning to for support andguidance.

Used the Dental Plus® prescription card September 19, 2007Levaquin original prescription cost: 120.60Her final Cost: 0.00!!She had to pay nothing!

Thanks AmeriPlan®!!Beth T

“We saved big!! I was in the hospital ICU for two weeks and regularroom for one day. The bill was $14,958, called the Patient Advocateand faxed two forms back and the bill was discounted down to$950.00 and put us on a $50.26 a month payment plan. Now is thatawesome or what! We saved tremendously. Thank you Ameriplan®”

P. Susan & Garyl S.

Because someone has dental insurance does not mean they are fullycovered. My boys were on Delta Dental at the time and had justgotten their 2nd cleaning for the year when we found out our 4yr oldhad two cavities. They asked me to bring him back and my co-paywould be $24.00 to cover the visit. While drilling they noticed twomore cavities forming behind the original two. So, we said go aheadand fix those as well. After we are done I went to the front desk topay and I was given a total of $313.50!! Turns out he had exceededhis $500.00 yearly limit after his 2nd filled cavity. I asked the frontdesk to give me a price with my AmeriPlan® card on the 2 cavitiesnot covered. So, she did and it turned out I ONLY paid $200.50 vs.the $313.50! I saved $113.50 by using our AmeriPlan® card at aPediatric Dentist!

Susan G, ESD

NVP PROFILE

Meet Joe and Carol Garvey, AmeriPlan’s fourthcouple to make National Vice President. Theirteam, The Legacy Team has molded the Atlantamarket into one of AmeriPlan’s top markets.Atlanta is exploding with new IBOs andmembers!

In 1997, Joe Garvey answered a local MarkJarvis ad and the rest is history. At the timeJoe was in insurance and financial services andhis wife Carol was transcribing medicalrecords. Now ten years later the Garvey’s areearning a residual income in excess of $300,000annually.

Joe and Carol believe that anyone can havesuccess. Focusing on the IBOs who really wantto make it happen is important and that’s whythe Garvey’s work closely with their downline,cradling them until they are able to do itthemselves. Both believe in getting their teammembers to commit and not to just TRY,Timidly Rejecting Yes. “It’s a step-by-stepprogression,” Joe says. When asked if theyever thought about quitting the Garvey’s said“Many times. What kept us from quitting waseach other. Often people are looking for

success to come fast and come often. Startinga business takes time. AmeriPlan gives you thetools; all you need to do is drive it to success.”Both give their team the support andrecognition they deserve. Joe and Carol believein building a strong foundation and gettingreferrals. Carol says “referrals are an instantwarm market.” From the beginning theybelieved in AmeriPlan® and wanted to be partof it. In ten years the Garvey’s have nevermissed Convention and the events that follow.Both look forward to these events to spreadtheir knowledge and experience to IBO’s acrossthe country. Carol is a born teacher, believingin her IBOs, hoping for them and makingconnections. Their goal is to have eight more$100,000 earners on their front-line.

If you’re ever in Atlanta, Georgia be sure to joinThe Legacy Team for the Annual AtlantaAmeriPlan® Picnic held in September whereIBOs and their families engage in cook-outs,outdoor activities and everyone’s favorite, aride on The Duck, an amphibian sight seeingcraft. Joe and Carol also hold their annualChristmas and News Years celebrations at theAmeriPlan® Regional office.


Joe and Carol Garvey - GA

Joe & Carol GarveyNational Vice Presidents

Matthew WolcottSenior Regional Sales Director

Vacaville, CA

“referrals are

an instant

warm market.”

NAME THE NEWSLETTER!As you have probably noticed, this month our newsletter issporting its new name. We would like to thank each and everyone of you that submitted an entry in our name the newslettercontest. We had hundreds of suggestions, many of themexcellent, some just fun, others really off-the-wall. No matterwhat, the esteemed judges experienced a great deal of stress incoming up with a winner. We all wish that everyone could havewon, but that was just not possible. After hours of deliberationand many cups of coffee or Coke, a final decision was reached.

As you see on the cover, the name chosen was “Vision”. Wefelt that this name best represented what AmeriPlan® is allabout and what you are all about. If it wasn’t for the Vision ofour Founder’s there would be no AmeriPlan®, if it weren’t forthe Vision of Mark Jarvis, Dale Brooks and so many others inthe early days, there would be no AmeriPlan®. If it weren’t forthe Vision that so many thousands of our IBOs had over thepast fifteen years, there would be no AmeriPlan®. If it weren’tfor the Vision of the hundreds of dedicated support staff atCorporate, there would be no AmeriPlan®.

Therefore, we came to the conclusion that if it weren’t forVision in the past there would be no AmeriPlan® today, and wewant that Vision to carry us forward to bigger and better thingsin the future. That’s it folks, your new newsletter is now,“AmeriPlan VISION”, thanks to Matt Wolcott, our winner.

Congratulations, Matt!

“Aside from the obvious tie to one of ourcompany’s benefit plans; ‘Vision’ is a forward-thinking statement that signifies clarity. Thisapplies both to current noteworthy develop-ments but also to the great future that we arelooking forward to, both as a company and asIBO’s. We all need to have a clear vision tosucceed in our endeavors.”

“I’m so grateful AmeriPlan® gave thisopportunity! I love being part of a companythat’s not afraid to put bonuses like this outthere. I am fully committed to AmeriPlan®, Ihave staked my entire future on it and I’velearned that when the company puts moneyon the table, you take that blessing! Thankyou for giving me the chance!”

~ Matthew Wolcott

“Vision” is the gift to see what others only dream~ author unknown

If you don’t have “Vision,” nothing happens~ Christopher Reeves

The world of tomorrow belongs to the person whohas the “Vision” today ~ Robert Schuller

SALES AIDS

The AmeriPlanner features:n Personal Information Page n Weekly Planner – with the following pages:

Monthly Business Expenses – In order for you to deduct yourbusiness expenses, the IRS requires that you keep a record ofyour expenses

Monthly Business Mileage – Keep a record of the Mileage thatyou travel for business activities

Month-at-a-Glance – Get a quick view of your entire month’sactivities.

Notes – Keep track of what you need to know for future follow-up, meetings, telephone conversations, events, etc.

n Phone / Address – A through Z alphabetical tabs for keepingpersonal information.

n Presentation Guide – A brilliant, full-color product andopportunity presentation for use with your prospects.Designed to help you close each transaction and recruit thehighest quality Independent Business Owners (IBOs)

n Fee Schedules – Fee Schedules for each of the three fee zones.

n Marketing Area Directory – The areas in which we have dentalproviders and the fee schedule that applies to that area.

n Provider Directories – Contains a voucher that you can redeemthrough Corporate Distribution for a complete providerdirectory for your marketing area.

n IBO Benefits – Gives complete details of the AmeriPlan IBOBenefits Program along with how to use the listed benefits

Are you organized?


This valuable tool holds a key tobuilding your A meriPlan® business

Please visit the AmeriPlan® Sales Aid Store on IBO Support to order your 2008 AmeriPlanner now!!

Are you organized?


2008 A2008 AmermeriPlanner iPlanner This valuable tool holds a key to

building your A meriPlan® business

4 0 2 7 3 4 0 1

FROM BRENT GOODWIN

The ability to lead does not consist of just onequality but actually takes on many faces. Wedescribe qualities of leadership with terms likeconfidence, perseverance, humility, strength,passion, integrity and consistency.

The subject of this article is derived fromhumility or, simply stated, putting othersbefore oneself. In this issue we focus onrecognition. More importantly, we will focus onthe importance of recognition within yourorganization.

Before writing this article, I thought about theword RECOGNITION. It is made up of twoparts, the prefix “re” and the word cognition.The dictionary defines “re” as meaning “again”.Cognition is defined using terms like insight,awareness, acknowledgement and validity.

Recognition, then, is a way to AGAIN andAGAIN reinforce the actions of the recipient asvalid, accepted, appreciated and worthwhile.

I can still remember 17 years ago, standing onstage in front of 4,000 faculty members andstudents at Harding University. The school wasrecognizing me and two other student athletesfor achieving All-American status in football.When my name was called I started gettinggoose bumps and there was an incredibleelectric feeling throughout my entire body.

Then my mind took me back to when I wasstanding in front of my 2nd grade classroomwhile 20 children applauded me for winning theclass spelling bee. I remember feeling the sameway I did on the stage at Harding University.

Recognition is powerful; people will striveharder just to be able to experience thatfeeling. It does not matter if the recognition isfor a major achievement or a smallaccomplishment. Recognition edifies, justifiesand lends credibility to the notion that whatyou are doing is good. As one great leader in

our industry has said, many people will workfor recognition more readily than for money.

AmeriPlan® leaders understand this conceptand work hard to recognize their organizationsat all levels. A prime example of this is NationalVice President Janie Jones. Janie grasped therecognition concept early in her AmeriPlan®

career. Janie says, “When I started, I wouldrecognize as many people as I could for asmany things as I could think of. As theorganization grew bigger, other leaders in theorganization took over the lesser recognitionwhich left me time to focus on the greaterrecognition.” Janie utilizes conference calls,emails and online newsletters to recognizemembers of her organization.

Janie also uses small promotions to add morerecognition in her organization but makes sureshe communicates with her leaders first.“When I run a promotion, I call all of my leadersfor input. This is not just my organization, it’sour organization. I want the whole team to bepart of the planning.”

Taking it one step further, Janie also recognizesIBOs that have not yet reached their goals butare close. She says, “We want to recognizethose that are close to give them that littleextra bit of encouragement to finish.” This is akey point because recognition will not onlyedify but also encourage people to do more.

AmeriPlan® has recognition programs for pinlevels, earnings levels and production levels.We recognize achievers using conference calls,newsletters and major events such asConvention. If you truly want to build a strongbusiness, do your part at recognizing ALLaccomplishments within your organization.You do not have to spend a lot of money but itdoes require spending time. This, however, istime well spent. Here is a good rule of thumb:Spend a dollar on the prize, but add a thousanddollars worth of recognition.


Recognition: A Key to a Successful Business

Brent GoodwinVice President of

Sales & Marketing

“… recognition

will not only edify

but also encourage

people to do more.”

~ Janie Jones

In the first issue of this new Newsletter weintroduced the “Find your IBO number”promotion. We have placed throughoutthis newsletter 6 boxes - each containing anumber:

This is a current, active IBO number …and it might be yours! Look throughout thenewsletter for these boxes. If you find a

box with your number, contact your DSMand let them know. They will in turnvalidate the number and if it is indeed you,you will win $50.00 in Sales AidCertificates – Bloom Bucks to redeemfor any sales aids that you wish.

Please check it out and win your $50.00 inBloom Bucks. We have not received many

responses to this promotion, which meansthat either you are not reading theNewsletter, not paying attention to theboxes with the numbers in them or youjust don’t have any interest inparticipating. We will run the numbers forthis issue and one more to see if we do getresponses; if we do we will continue, if notthe promotion will end. It is up to you.

0 1 2 3 4 5 6 7S A M P L E

ACE Council Frequently Asked Questions

Q. What is this year’s qualification period? What about afterthis year?

A. This year the contest begins June 1, 2007 and ends May30, 2008. Winners are recognized at our NationalConvention each June/July.

Q. When will the ACE for this year be recognized?

A. At our next National Convention ~ June 25-29, 2008.

Q. Can an IBO be a member of multiple ACE Councils?

A. Yes!

Q. Suppose a couple doing business together qualifies forthe ACE IBO Council, will the couple be awarded oneprize or two?

A. One

Q. How many IBOs do I need to personally have active toqualify for this years ACE IBO Council? (June 1, 2007 –May 30, 2008)

A. 40

Q. Do all IBOs recruited during the qualification periodcount for the ACE IBO Council?

A. Yes. All IBOs personally recruited during the qualificationperiod count, regardless of the level at which they join,as long as they are active on May 30, 2008.

Q. What if I personally recruit an IBO during the ACEcontest period who cancels prior to the end of thequalification period? Does that IBO count for the ACEIBO Council?

A. No. The IBO must be active on May 30, 2008.

Q. Do Member to IBO upgrades or IBO to memberdowngrades count for ACE?

A. Member to IBO upgrades count as member for the ACEMember Council, IBO to member downgrades count asIBOs for the ACE IBO Council.

Q. How many individual members do I need to Sign up andhave active to qualify for this year’s Member Council?(June 1, 2007 – May 30, 2008)

A. 80

Q. What if I sign up a member during the ACE contestperiod who cancels prior to the end of the contestperiod. Does that member count for the ACE MemberCouncil?

A. No

Q. If Groups are signed up, does this count toward ACEMember Councils?

A. No. Only individual members count.

Q. Do I have to be present at the National Convention toreceive my ACE awards?

A. No, but of course you’ll want to be there to participate inthe exciting recognition we have planned.

AMERIPLAN COUNCIL OF EAGLES ~ ACE


for you!

Will you qualify?Recruit 40 or more new IBOs to qualify for theACE IBO Council or sign up 80 or more newmembers to qualify for the ACE MemberCouncil. Prizes and stage recognition areawarded to all ACE qualifiers. The top tenqualifiers receive individual recognition andspecial recognition goes to first, second, andthird place.

Contest begins June 1, 2007 and ends May 30, 2008.Groups do not qualify. Please visit IBO Support forcomplete rules and regulations.


for you!

CONTENTS THE EDITOR’S DESK CONTESTS

HUMAN INTEREST

This may seem like a strange question, but there is anexplanation behind it. There is an old expression,“How do you eat an elephant?” which is thenresponded to, “one bite at a time”. The message hereis that no matter how big your challenge, it is possibleto conquer if you break it down into small, consumableportions. It is this way in life and it is this way inbuilding financial freedom with your AmeriPlan®

business.

© 2007 AmeriPlan®. All rights reserved. AmeriPlan® VISION December 2007 21

How Big is Your Elephant?

Barry Friedman, CFPSenior Vice President of

Marketing & Business Development

The Editor’s Desk1 From Brent Goodwin2 NVP Profile

Name the Newsletter 3 Meet Your DSM4 From Julia Baker

Provider Relations5 AmeriPlan® Corporate Profile

AmeriPlan® Fee Schedule Map6 Featured Market8 RSD/SRSD SuperStar Promotion

10 November Spotlight12 Prescription Advocacy Program13 Referrals Build Your Business14 Support our Troops16 From Derric Farruya17 IBO Benefits18 Business Builders19 AmeriPlan® Council of Eagles20 Sales Aids21 Contests

General Contest Rules & Regulations

A monthly publication of AmeriPlan® Corp. 5700 Democracy Drive, Plano Texas 75024469-229-4500

Publisher - Dennis Bloom, Board Chairman/CEO

Editor - Barry Friedman, CFP,Sr.VP Mtktg./Bus.Dev.

Associate Editor - Heather Medina

Creative Director - Wilbert Bell

Sr. Designer - Karen Spieler

Proofreader - Jacquelynn M. Mumm

Contributing Writers - Barry Friedman, CFP, Sr.VP Mtktg./Bus.Dev. Brent Goodwin, VP Sales & MarketingMark Dixon, Dir. Corp. CommunicationsJulia Baker, Sr.VP Provider RelationsDerric Farruya, Nat’l Mktg. Dir.- MGR & Group

Contributors - Todd Wilson, Jim Hardin, Linda Rowden, Connie Summitt

Editorial inquiries / reprints of articles and/or to submitarticles, photos, or other information, please mail themto: Attn: Editor at AmeriPlan®, 5700 Democracy Drive,Plano, Texas 75024.

Letters to the Editor: We welcome your comments andsuggestions. We reserve the right to edit letters for grammarand length prior to publication.Please include your name and address with anycorrespondence.

CONTACT INFORMATIONAdministrative Office: 469-229-4500Sales: [email protected] Sales Manager – Western Division – Todd Wilson

Executive Assistant – Gabe [email protected] 469-229-4007

Divisional Sales Manager – Northeast Division – Linda RowdenExecutive Assistant – Scott Laws

[email protected] 469-229-4037

Divisional Sales Manager – Southeast Division – Jim HardinExecutive Assistant – Joseph Kerr

[email protected] 469-229-4024Nat’l Marketing Director of the MGR Program & Group Sales -

Derric Farruya: [email protected] 469-229-4023Newsletter – Editor: [email protected] Support: 469-229-4501, option #3IBO Benefits: [email protected]

Application Fax: 469-229-4589Accidental Death & Dismemberment: 800-647-8421

[email protected] & Credit Card Services: 800-550-9726Pending: 469-229-4013Mailing Address: 5700 Democracy Drive, Plano, Texas 75024

* Please check IBO Support under Customer Service for a complete list of contact information

Let me explain what I mean by that. Let us assume that your goal is inline with the goals of many of our AmeriPlan® business partners, and thatis to get to a six-figure residual income and financial freedom in two tofour years. O.K., that $100,000.00 residual income is your elephant. Inreality, it could be a bigger elephant or a smaller elephant and that is whyI have asked the question, “How big is your elephant?” You know where Iam going with this, don’t you? First step is to determine how big yourelephant is. Got it? Have you got your elephant in mind now? Good, wewill proceed.

For the sake of our message here, I will use the $100,000.00, but you cankeep your elephant in mind the rest of the way. If we are looking at the$100,000.00 elephant, let’s define the digestible bites as $250.00. Well,here we go … can you determine what you have to do to generate that$250.00 per month from your business? Once you have determined whatto do, can you get out and do it? Let’s say that you can…and this monthyou did … Good, you are on your way. Next month all you have to do isthe same thing over again. And the next month and the next month forthe four years that you have said that you are willing to do it to gainfinancial independence. Remember, you never worked any harder thanyou did in the first month and you never worked any smarter either. Youjust kept on plugging along and here it is four years later and you have asix-figure residual income. Now it is very simple, but clearly it is not veryeasy. It takes discipline, dedication, persistence and hard work, but if youwant it bad enough, you can do it.

Think about it. Determine the size of your elephant. Figure out what youhave to do and what size “bite” you have to take each and every month.Get out there and do it in month one, and then do it over and over againuntil you are there. It sure feels good when you have finished yourelephant. Just ask those IBOs who have devoured their elephants and aretoday living the life that so many of us just dream about. If they can doit, so can you … can’t you?

“Naming Convention ‘08”We asked you to help us name this newsletter and you responded withsome incredible suggestions and we found a winner!

As a result we have decided not to let you off the hook just yet. Keep yourthinking caps on and keep the creative ideas rolling in with a name/themefor the next annual convention. That’s right! We have been working hardto make the next convention the biggest and best ever and we are givingyou the opportunity of giving it a name. If you will remember, this pastconvention was “Partners in Prosperity.” What will be the name of the ’08Convention?

To make it not only fun, but rewarding, the winning name will be honoredin the newsletter and the lucky winner that submitted the winningname/theme will receive *ONE FREE CONVENTION REGISTRATION aswell as on-stage recognition at the Convention!!

But hurry! The contest for the winning name/theme for Convention ’08ends December 14h.

If you are interested in submitting a name/theme for the convention,please email it to: [email protected]

Contest announcement is listed on the convention website:www.ameriplannationalconvention.com

* Correction from October newsletter:In the October newsletter issue we announced the winner would receive free registration at the convention for two people. The free conventionregistration is for one person and one person only. The winner is responsible for additional registrations and free registration is non-transferable.

My Battle with Anorexia

I recently gave a speech to doctors at Johns Hopkins with a testimonyabout how having a mental disorder of anorexia has impacted my life. Iopened my first corporation when I was 20 years old. In less then15years I was the owner of the largest porcelain doll company on the eastcoast. I also opened a large limousine company. My limos were used inthe Presidential Inauguration. They also transported the Orioles &Baltimore Colts to and from the Baltimore/Washington Internationalairport. I was on the cutting edge of a seven figure income.

Life was moving too fast. I developed an anorexia disorder. Thebusiness started failing. Even though I had 20 people assembly mycreations, I lost my desire to create new dolls. During a bout ofhospitalization I signed my business over to my husband. Within a fewshort months he sold everything I owned and had worked for. Hebought a large yacht and filed for divorce. I was devastated. At this timemy children were young adults. I eventually lost the house toforeclosure. I was too ashamed to tell my children I had nowhere to live.It was dead winter and I slept in my jeep for days. Because I thought Iwould freeze to death I moved in with my 18 year old son. Later I wasable to move into low income housing.

My daughter had given me a computer for an early Christmas present.I went on line looking for a job. Because I have always had my owncompany and I know what dedication it takes to grow a successfulbusiness. I looked for a home based business. I stumbled acrossAmeriplan®. Wow, has it changed my life! I now have great health. Myfinances are coming together. I have been on many training andleadership calls each week. I believe in Ameriplan®. I have a passion forthis business. As I embark in Ameriplan® quitting has never been anoption.

Dee Bates

My “WHY”

I was introduced to AmeriPlan® in October 2003, by Lorraine Dooleywhile getting my eyes examined at a LensCrafters in Atlanta, GA. Sheapproached me and after a brief conversation; Lorraine gave me abrochure and obtained my contact info. Prior to our meeting in Aprilof 2002, my wife, Delores, was diagnosed with a rare and almostunheard of form of cancer in her sinuses and needed three surgeries.One to split her face down the middle to remove her right sinus, inaddition a 4 X 12 inch skin graft was taken from her left leg to placeon her face, and finally, her right eye was removed because we weretold would lose it anyway once the radiation treatments began. Thiswas followed by seven weeks (five days a week) of radiationtreatments.

Delores attended opportunity briefings and training, despite hercontinuous pain. We also attended a national convention and fallconference together. She would take pain medications daily for fiveyears. We continued to build our Ameriplan® business. During themonth of October, 2006, Delores had a bad cold, which turned out tobe pneumonia. She went to the hospital and they said she had fluid onher lungs. The doctors removed the fluid and discovered lung cancer.This resulted in eight additional radiation treatments and four chemotreatments. In the mist of all of this, Delores continued to maintain herpositive uplifting spirit. Delores gave up her battle with life four dayslater, on June 6, 2007. However, I continued to build the business,even in her absence. Friends and family came by our home to mournwith me and I would place a DVD on about Ameriplan®. I enrolled afamily friend and a relative at my home. The relative immediatelyenrolled her daughter over the phone. My WHY only became stronger?Delores' legacy continues today as I build this business in her absence.My WHY is still strong as "WE" climb the "stairway to success"!

Anthony Dixon

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12856820 - ameriplan® usa · financial independence. ... while getting my eyes examined at a...

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