Is Your
Mortgage & Lifestyle
Totally Protected?
Mortgage Protection Presentation
 It has been in use for “30 Years” We don’t need
you to fix it..We need you to use it!!
 If you want to do what's best for a customer..and
add thousands to your income!
DO NOT CUT CORNERS!!!
 You do not have to be a experienced “closer” to
have success with it !!
 Can you ask closing questions ?
Trust The Presentation..Every Page Is
Important !!
Our Presentation… Sink The Hook
 Closing begins with your first Statement !!
 Ask closing questions at each stage of our
presentation !!
 People are creatures of habit…the more you can get
them Agreeing With You… The more business you
will write !!
 THE SUCCESS OF OUR PRESENTATION…IS THAT..NO PART
IS MORE OR LESS IMPORTANT THAN THE OTHER..IT IS THE
SUM TOTAL !!
Page One = Introduction
About You
 Develop A Opening Statement That Will Get Their
Attention..And Open With Every Time!!
 In Business For Yourself..But Not By Yourself
 We are a team..Our 22 Years Is Also Your 22 Years..Our
Top Management Team Has Over 150 Years Of
Experience
 If Your New Say That..you’re a Graduate Of USABG
University!!
YOUR PART OF AMERICA’S BEST INSURANCE AGENTS
“ACT LIKE IT”
 WOULD YOU HAVE A PROBLEM DOING BUSINESS WITH ME ??
Trust the “PRESENTATION”
Lifestyle Mortgage Protection
For
33 Years
David L. Collins
Division Manager
USA Benefits Group
Health Plus Of America Division
HEALTH INSURANCE EXPERIENCE
33 Years
4000 CUSTOMERS
CURRENTLY INSURING
16 Third Generation Families
Page Two = Company Overview
About USA Benefit Group
 About USABG
 Stability
 Security
 BBB + Top Producing Agency + Multiple Carriers
 Would You Have A Problem Doing Business With
Our Company??
Trust the “PRESENTATION”
Providing Health Insurance Solutions
for 33 Years
•
ABOUT HEALTH PLUS OF AMERICA DIVISION
– Nationwide network of insurance professionals serving home owners
since 1977.
– Non-captive agents with the knowledge to work for you!!
Not the insurance company.
– BBB rating of A+
•
STABILITY
– 33 years of providing insurance solutions for the WHAT IF of life!
– Over $450 million in business, while insuring 200,000 thousand
mortgages and lifestyles
– We have witnessed over a billion dollars in claims. We know what you
need to protect your mortgage and lifestyle
•
SECURITY
– Dedicated to paying catastrophic hospital and doctor bills 100%
– Plus provide income protection for Critical Illness Events
– Protecting your mortgage / lifestyle for up To 24 months
21st Century Mortgage Protection
Follow These Points
 CANCER EVERY 24 SECONDS
 1 in 2 males + 1 in 3 females
 55% of confinements + Average recovery of 14 months
 CORONARY EVERY 29 SECONDS
 10% of confinements + Average recovery of 10 months
 ACCIDENTS
 14% of confinements + Average recovery of 8 months
 CRITICAL ILLNESS #1 CAUSE OF FORECLOSURES
 51% of all bankruptcies
Lifestyle Mortgage Protector
It’s Not Always The Other Guy!
 CANCER EVERY 24 SECONDS
– 55% Of All Hospital Admissions
– I in 2 males + 1 in 3 females
– Average recovery 14 months
 CORONARY ILLNESSES EVERY 29 SECONDS
– 1.2 million heart attacks & 800,000 surgeries per year
– 10% Of All Hospital Admissions
– Average Recovery 10 Months
 ACCIDENTS
– There is over 20 million accidents every year
– 14% Of All Hospital Admissions
– Average recovery 8 months
OLD Vs. NEW
PAGE #5
How We Find You.. One Legged Stool
 Life Plan Only..Reduces To Zero
How We Leave You.. Three Legged Stool






LIFE
Level Premium And Face For 30 Years
CRITICAL ILLNESS
Up to $100,000 in each of 3 categories
ACCIDENT DISABILITY INCOME
Up to $3,000 For 2 Years
PAGE #6
 COVER THE 4 POINTS OF COVERAGE
Lifestyle Mortgage Protector Plus
ASSURITY LIFE
Standard
Protection
Only
Lifestyle
Protector
Plus
Death Only
Critical Illness Plan
+
Disability Income
+
Life Insurance
+
Return Of Premium
LIFESTYLE MORTGAGE PROTECTOR
21st CENTURY SOLUTIONS
 CRITICAL ILLNESS
 Pays up to a $100,000 benefit on each insured in these three
categories. CANCER + CORONARY + OTHER
 A 40 year old is 4 times more likely to have cancer before 65 than
dying!
 ACCIDENT DISABILITY INCOME
 90 Day wait then $3,000 for two years
 A 40 year old is 3 times more likely to have a accident disability
before 65 than dying!
 DEATH






Pays Mortgage Off If You Die
Level Face Amount For 30 Years
Guaranteed Premium For 30 Years
Accelerated Benefit If Terminal
RETURN OF PREMIUM
Returns 100% of premium at the end of the term.
What would You Do ??
Real claims…Real people
Most survive..but die financially
 Not One Of These Customers Thought This Would Happen..But
All 3 Had These Events Start 9 To 18 Months After They Applied
With Our Co.
Trust the “PRESENTATION”
!! VERY IMPORTANT !!
 Before You Go To Page Seven Say The Following;
 Before we get into pricing options, I would like to cover a
claims that happened to real people like you and I !! After the
claims I will ask you if this was you…would you rather be
insured with me or your plan…and all I ask is that you answer
truthfully…is that fair enough ??
 Go Through The Claims And Ask Your Question
Trust the “PRESENTATION”
What if this happened to you? What would you do?
60% USE UP ALL THEIR LIFE SAVINGS
 BREAST CANCER / $414,137/ $75,000
•
•
Bill paid 100%
$62,000 lump sum cash for lifestyle protection
 10 MONTHS OF LOST INCOME
 COLON CANCER /$487,000 /$100,000
•
•
Bill paid 100%
$72,000 lump sum cash for lifestyle protection
 19 MONTHS OF LOST INCOME
 HEART ATTACK/ $443,000 Bill /$50,000
•
•
Bill paid 100%
$42,000 lump sum cash for lifestyle protection
 13 MONTHS OF LOST INCOME
 Our Goals Are Simple
•
Pay The Bill 100% + Provide Income + You Recover