USA Benefits GroupAmerica’s #1 Online Agency

Your Agent

USA Benefits Group

Robert F NaplesCLU, RHU, ChFC, AAI, LUTCF

Robert F Naples | CLU, RHU, ChFC, AAI, LUTCF24 Warbler Lane | Durham, NC 27712-9506Phone: 919-477-1808 | Fax: 919-477-1808

Toll Free: 800-893-3819 | Cell: 919-949-5671rnaples.usabg.net | rnaples@usabg.net

Insurance & Financial Services since 1969Health | Medicare Supplement | Long-Term Care | Life | Annuities

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Doing the shopping so you don’t have to

EDUCATION• ABS-Husson University• BBA-St. John’s University-The College of Insurance• MBA-Georgia State University• PhD (ABD)-Georgia State University

TRAINING• CLU-Chartered Life Underwriter• RHU-Registered Health Underwriter• ChFC-Chartered Financial Consultant• AAI-Accredited Adviser in Insurance• LUTCF-Life Underwriter Training Council Fellow

EXPERIENCE• Insurance & Financial Services since 1969• Formerly Assistant Professor of Finance, Insurance & Real Estate

COMMITMENT• Dedicated to superior customer service• Annual Reviews

TOLL-FREE CUSTOMER SERVICE• Personal and Professional Attention• Knowledge and Dependability• Promptness in Handling Your Requests

Providing Insurance Solutions for 22 Years

• About USA Benefits Group– Nationwide network of insurance professionals serving small business owners and the

self-employed since 1988.

– Non-captive agents with the knowledge to work for you, not the insurance company.

– BBB rating of A+

• Stability– 23 years of providing insurance solutions for the WHAT IF of life!

– Over $300 million in business, while insuring thousands of families nationwide.

– We have witnessed over a half a billion dollars in claims. We know health care, and what you need to protect your family.

• Security– Working with top rated companies as determined by the A.M. Best Company.– Totally secure online platform-HIPAA compliant.– Nationwide fully licensed independent agents.

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$0 - $500 $500 -$1,000

$1,000 -$5,000

$5,000 -$10,000

$10,000 -$25,000

Over $25,000

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An individual can expect a major claim (excluding maternity) once every 20 years

The American Hospital Association states that of these hospital admissions, 82% are due to either critical illness (68%) or accidents (14%)

Average 7.6 months of recovery with total or partial loss of income

75% of all healthcare dollars are spent on these claims and 52% of all bankruptcies are caused because of them – even though 59% had health insurance

But 60% of all medical claims are less than $1,000, so you need excellent 1st dollar outpatient care including, doctor visits, wellness and unlimited Rx benefits

Choose Benefits That Meet Your Family’s Needs

The What If of Life

• Cancer– Every 24 seconds someone in the US is diagnosed with cancer

– 50% of families use up all or most of their savings

– In the last 10 years the survival rate has gone up 30%

• Heart Attack/Heart Surgery– 1.2 million heart attacks & 800,000 surgeries per year

– Every 26 seconds someone in the US is having a coronary event

• Accidental Injuries– There is an accident every minute in the US that requires ER treatment or a

hospital stay

– 2 Million hospital stays per year

– 30 Million ER visits per year due to accidents

– Plus over an additional 30 million doctor visits

• Average of 7.6 months of recovery

Points to Ensure You Get What You Need

Does your current plan:

• Have unlimited doctor office visits

• Have unlimited wellness benefits after 3 months

• Have unlimited Rx benefits

• Give you 100% of all PPO discounts to help cover out-of-pocket expenses

• Provide a reducing deductible up to 50%

• Guarantee the rates for 2 YEARS for financial security

• Pay the deductible for CANCER then cover claims at 100% to $3 million, plus provide $42,000 cash so you can recover

• Pay the deductible for HEART ATTACK then cover claims at 100% to $3 million, plus provide $42,000 cash so you can recover

• Pay the deductible for ACCIDENTS then cover claims at 100% to $3 million, plus after 90 days pay $1,500 per month for 2 years

• Pay a death benefit of $100,000 to your family if you die

USABG COMBO PLAN

ALL THESE BENEFITS FOR THE SAME OR LESS PREMIUM!

WHICH STOOL WOULD YOU PREFER ?

80/20 HEALTH PLAN100% ON ACCIDENTS

2 YR RATE LOCKUNLIMITED Dr + Rx + WELLNESS

$50,000 FIRST DIAGNOSISCANCER + HEART

TRANSPLANTS

$100,000 LIFE + ACCIDENTDISABILITY INCOME $1,500

80/20 HEALTH PLAN ONLY

What if this happened to you?What would you do?

$314,137Breast Cancer

• 65 days of confinement and 3 surgeries• 10 MONTHS OF LOST INCOME• Bill paid 100% + $62,000 lump sum cash for

living expenses and to recover

$442,427Heart Attack

• 94 days in the hospital, 2 surgeries and staff infection

• 13 MONTHS OF LOST INCOME• Received $50,000 on diagnosis

$487,000Multiple injuries, fall from roof

• 105 days of confinement and 7 surgeries• 19 MONTHS OF LOST INCOME• Bill paid 100% + $1,500 for 16 months

OUR GOALS ARE VERY SIMPLE

USABG COMBO PLAN

Pay The Bills 100%

Provide Income + You Recover

A Few Questions to make sure you get what you want

• How old are you? ___ Spouses name and age? _____• How many dependant children will be covered? ____• Does anyone have any pre-existing health conditions?

_____• Is anyone taking any prescription drugs regularly? ___• Has anyone been hospitalized in the last 5 years? ___• Is anyone currently pregnant? ____ Are you planning

a larger family?_____• Do you spend more than $350 (individual) or $750

(family) per year on prescription drugs? _____• Do you go to the doctor more than 7 times

(individual) or 14 (family) due to sickness? _____• What is your current monthly cost? _____ Have you

had any/many rate increases? _____• Do you have a managed-care plan or HMO plan? ___• What do you like about your current coverage? ____• What do you dislike about your current coverage?

_____• What do you feel is the most important reason why

you should carry health insurance? _____

Getting Started/Enrollment Procedure

• Complete application for health insuranceSubmit initial deposit of first month’s premium and an administrative fee. (varies per company)

• Future premium payments made by Monthly Bank Draft (M.B.D.)Ensures your coverage won’t be interrupted because of a missed payment. Other options may vary.

• 1-3 Week Evaluation PeriodMay be longer depending upon medical requirements.

• Insurance company issues your new policyAfter your application has been reviewed and approved. Do not cancel previous coverage until approved.

• Deposit is fully refundableIf your application is not approved by the insurance company.

Can you afford to be without Health Care Protection?

Examples of doctor and hospital expenses

• Diabetes Mellitus(73 days of hospital confinement)

$90,755

• Cervical Cancer(95 days of hospital confinement)

$114,147

• Closed head injury – vehicle accident(105 days of hospital confinement)

$152,392

• Gastritis and acute vascular insufficiency(194 days of hospital confinement)

$242,427

• Septic shock due to Weil’s Disease(Multiple hospital confinements)

$949,583

Summary

• Dedicated to paying catastrophic hospital and doctor bills 100%.

• Plus provide income protection for CANCER + HEART + ACCIDENTS. 82% of hospital admissions are due to either critical illness (68%) or accidents (14%)

Average 7.6 months of recovery with total or partial loss of income

Robert F Naples | CLU, RHU, ChFC, AAI, LUTCF24 Warbler Lane | Durham, NC 27712-9506Phone: 919-477-1808 | Fax: 919-477-1808

Toll Free: 800-893-3819 | Cell: 919-949-5671rnaples.usabg.net | rnaples@usabg.net

Insurance & Financial Services since 1969Health | Medicare Supplement | Long-Term Care | Life | Annuities