Robert F Naples is an insurance agent with USA Benefits Group, a nationwide network of insurance professionals. He has over 50 years of experience in insurance and financial services. He is dedicated to finding health insurance plans that will pay 100% of catastrophic medical bills from critical illnesses, accidents, and transplants. His plans also provide income replacement if the policyholder is unable to work due to an illness or accident. He works with top-rated insurance carriers to offer secure and affordable options to protect families from financial hardship due to high medical costs.
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
– 22 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.
12.
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
Editor's Notes
About YouDevelop an opening statement that will get their attention, and open with it every time!In business for yourself – but not by yourselfWe are a team. Our 22 years is also your 22 years. Our top management team has over 150 years of experience.If you’re new, say that you’re a graduate Of USABG University!You’re part of America’s Best Health Agents, so act like it!Would you have a problem doing business with me?Trust the Presentation!
About USA Benefits GroupStabilitySecurity BBBTop producing agencyMultiple carriers Would you have a problem doing business with our company? Trust the Presentation!
Follow the 5 PointsOne confinement every 20 years82% of all hospital admissions are critical illness or accident7.6 months of recovery with total or partial loss of income52% of all bankruptcies…59% had health insurance60% of all claims are less than $1,000. Talk about the need to have 1st dollar outpatient careI’m sure that you would want these claims covered at 100% and also have cash to replace lost income!Trust the Presentation!
Very important page!Cancer statsHeart statsAccident stats
MAKE OR BREAK PAGEStress the PointsCover EVERY pointExcellent outpatient 1st dollar careRate Lock + Unlimited Rx + WellnessZero out of pocket on Cancer + Heart + AccidentsCash for income protectionIf I can get you all of these benefits at an affordable rate, would we be able to do business?
How we find you…One Legged StoolCopay health plan onlyHow we leave you…Three Legged Stool Copay health planUnlimited doc + Rx + wellness2 year rate lock + reducing deductible First diagnosis benefitDeath benefitAccident disability incomeWhich stool would you prefer?
Real claims…Real peopleUSABG experience with claimsMost survive, but die financiallyNot one of these customers thought this would happenBut all 3 had these events start 9 to 18 months after they applied with our companySo, if this were you, would you rather be insured with me or where you’re at now?
