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

2. Your Agent
USA Benefits Group
Your
Robert F Naples Picture
Here
CLU, RHU, ChFC, AAI, LUTCF
Robert F Naples | CLU, RHU, ChFC, AAI, LUTCF
24 Warbler Lane | Durham, NC 27712-9506
Phone: 919-477-1808 | Fax: 919-477-1808
Toll Free: 800-893-3819 | Cell: 919-949-5671
rnaples.usabg.net | rnaples@usabg.net
Insurance & Financial Services since 1969
Health | Medicare Supplement | Long-Term Care | Life | Annuities

3. 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

4. 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.

5. Choose Benefits That Meet Your Family’s Needs
 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
50
45
40
35
30
25
20 %
15
10
5
0
$0 - $500 $500 - $1,000 - $5,000 - $10,000 - Over
$1,000 $5,000 $10,000 $25,000 $25,000

6. 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

7. 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

8. USABG COMBO PLAN
ALL THESE BENEFITS FOR THE SAME
OR LESS PREMIUM!
WHICH STOOL
WOULD YOU PREFER ?
80/20 HEALTH PLAN 80/20 HEALTH PLAN ONLY
100% ON ACCIDENTS
2 YR RATE LOCK
UNLIMITED Dr + Rx + WELLNESS
$50,000 FIRST DIAGNOSIS
CANCER + HEART
TRANSPLANTS
$100,000 LIFE + ACCIDENT
DISABILITY INCOME $1,500

9. What if this happened to you?
What would you do?
$314,137 OUR GOALS ARE VERY SIMPLE
Breast Cancer USABG COMBO PLAN
• 65 days of confinement and 3 surgeries
• 10 MONTHS OF LOST INCOME Pay The Bills 100%
• Bill paid 100% + $62,000 lump sum cash for Provide Income + You Recover
living expenses and to recover
$442,427
Heart Attack
• 94 days in the hospital, 2 surgeries and staff
infection
• 13 MONTHS OF LOST INCOME
• Received $50,000 on diagnosis
$487,000
Multiple injuries, fall from roof
• 105 days of confinement and 7 surgeries
• 19 MONTHS OF LOST INCOME
• Bill paid 100% + $1,500 for 16 months

10. 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? _____

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

13. 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

14. 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, LUTCF
24 Warbler Lane | Durham, NC 27712-9506
Phone: 919-477-1808 | Fax: 919-477-1808
Toll Free: 800-893-3819 | Cell: 919-949-5671
rnaples.usabg.net | rnaples@usabg.net
Insurance & Financial Services since 1969
Health | Medicare Supplement | Long-Term Care | Life | Annuities