More opportunities.                                        Are You Getting the
How To Join the AHCP Team                                 About Us:
Take your career to the next level and join the growin...
Our 14-Point Challenge
 How AHCP Provides More Value Than The Competition
                     AHCP                       ...
Sell The Way You Want
  How AHCP Gives You Selling Flexibility
At AHCP, we understand that each agent has his or her own s...
6 Core Strengths
The Value Proposition That Sets AHCP Apart

1. Leads                                                4. Co...
Products*      Major Medical -	Serve	any	client	with	many	different	plans	
Our Focus On Agents
  What We Do To Provide You With Exceptional Service
With AHCP by your side, you’re never alone. Whene...
Profiles	of	Success
  Real Agents Talk About AHCP
These are just a few of the many letters we receive from AHCP agents all...
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Ahcp Recruiting Br1 09


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Welcome to the 21st Century! Finally! It isn\'t often that a truly remarkable, ground shaking opportunity comes along for the health insurance sales professional. That\'s why I\'m excited to announce the introduction of the finest, most innovative health insurance marketing system in the nation.

•Completely paperless "webtronic" sales process!
•Sell on the phone, on the internet, or in person
•Easily earn $1,000 - $ 3,000 every week!
•Major medical plans with doctor co-pay & Rx
•"One deductible" HSA health plans
•Extremely competitive premium rates
•Average issue time is 3-4 days!! (not 3-4 weeks)
•Leads, trips, bonuses, & management opportunities!
Be the first in your area to start selling and earning with this fantastic program!

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Ahcp Recruiting Br1 09

  1. 1. More opportunities. Are You Getting the Most From Your Career? More rewards. Take a moment to consider if you’re getting the most from your effort. Here is our challenge to you: you simply cannot find another company that’s more rewarding to do business with than AHCP. In this brochure, we’ll show you why. Take a Look: 1. Our 14-Point Challenge: How AHCP Provides More Value than Discover the Difference. the Competition 2. Sell The Way You Want: How AHCP Gives You Selling Flexibility 3. Six Core Strengths: The Features That Set AHCP Apart 4. Our Focus On Agents: What We Do to Provide You With Exceptional Service 5. Profiles Of Success: Real Agents Talk About AHCP For Agent Information, Training, and Recruiting Only. May not be reproduced or distributed without permission. AHCP-RB 1-09
  2. 2. How To Join the AHCP Team About Us: Take your career to the next level and join the growing AHCP (America’s Health Care/Rx Plan Agency) community of agents who’ve found a rewarding and distributes Health and Life products to individuals, fulfilling career with AHCP! the self-employed, and small business owners. Call us today at 877-228-8773 or e-mail us at AHCP agents can earn over $100,000 in their second to let us know that you’d like to year using our competitive, comprehensive product join our team. line, FREE lead program, and aggressive compensation plans (see page 6 for details). We’ll answer any questions you have about our program, and put you in contact with hierarchy Our benefits include: management that best meets your goals. • A Broad Selection of Top-Tier Products - Including You can also visit us on the web at: Our Own Proprietary and Private Label Plans • Competitive Pricing & Benefit Structures • Industry-Leading Commission and Bonus Plans Don’t you owe it to yourself to make your agent career the best it can be? • Free Lead Program (Never Cold Call Again!) • Commission Advances Available Call 877-228-8773 today and experience • Traditional Major Med., HSA, and the AHCP difference! Simplified-Issue Plans • Free Product & Sales Training America’s Health Care/Rx Plan Agency, Inc. 4929 West Royal Lane • Responsive Telephone and Email Support Irving, Texas 75063 • App Submission via Fax, Mail, or the Internet Phone: 877-228-8773 • Sales Contests and Trips to Exciting Destinations Our management team has over 100 years of com- bined experience in the health insurance industry – and our success plan for our agents is second to none. Take our challenge and discover the unique benefits AHCP has to offer! 2
  3. 3. Our 14-Point Challenge How AHCP Provides More Value Than The Competition AHCP Other Companies 1. Proprietary We design special proprietary products available only Are you loaded down with “me too” products? Products through AHCP. We offer a wide array of products, in- cluding both traditional major medical, simplified issue Do you have enough plans to serve as many clients as you can? medical, impaired risk, and guaranteed issue. 2. Free Leads Our Free Lead program is based on providing you Are you told to “go sell” but don’t know who to sell to? quality leads – so you don’t have to waste time prospecting or cold calling. 3. Advanced We pay out competitive commissions, up to 9 month Other companies can keep you waiting for up to two Commissions advances, and we pay you fast – via EFT. weeks before you get your check! 4. Incentive Trips We treat our best producers to incentive trips to fun When was the last time you were treated to a vacation destinations such as Mexico and the Caribbean. – at someone else’s expense? 5. Training We provide free product and sales training, taught by Will they teach you the sales techniques you need to our carrier partners. TUTORIALS AVAILABLE 24/7. really make money in this business? Will you receive DAILY WEBINARS. your training from a pro, or just a company rep? 6. Web-based Our web-based platform provides you - quick Do other companies offer a web-based platform to sell submission, quick issue, and online sales support. and track your business? Platform 7. Agent We have a dedicated call center and management Are they servicing more than just agents? Do they Support staff of friendly, trained professionals to respond to your needs. have a management staff that you can actually talk to? 8. Carriers We appoint you quickly with multiple highly-rated Working with a single carrier means fewer products carriers and provide a centralized means of support and fewer options. And dealing with multiple for all of them. You get: more door openers, more companies on your own is always a real hassle. cross-sell options, and more client solutions. 9. Pricing We partner with our carriers to ensure that you have Who’s looking out for you at these companies? the most competitive rates possible. 10. Webinar We provide weekly web training seminars on our Will other companies teach you the product products, hosted by AHCP and our insurance partners, information and application submission tips you Sales to maximize your knowledge and efficiency need to make your business more efficient? Training 11. Incentives We provide outstanding bonuses for top production, What else are you getting besides just commissions? and many on-going perks and benefits for our agents. 12. Flexible App We give you the freedom to submit apps via mail, fax, Most other companies can only accept apps via fax or Submission or online. The online option gives you the ability to create agent assisted web-based sales. mail, limiting the ways that you can conduct business. 13. Telesales We provide the tools and submission process that you Do other companies provide the tools you need to sell need to sell telephonically - easily! Contact your lead, to as many leads as possible, in a fast, efficient, and submit your application, and follow up - all through the cost-effective method? ease and convenience of the telephone. 14. Management Our senior executives have over 100 years of Does their management team have the industry combined sales and management experience in experience to provide a stable, supportive the healthcare insurance industry. As a marketing environment for agents? Are they looking out for you, company, our focus is on you, the agent. or are they more worried about their shareholders? 3
  4. 4. Sell The Way You Want How AHCP Gives You Selling Flexibility At AHCP, we understand that each agent has his or her own style. That’s why we offer both Paper and Web-based app submission, each of which supports a different style and method of selling. Some agents prefer to exclusively focus on one method or the other, and some like to use both methods. Paper submission favors the traditional “face-to-face” sales process; you visit your clients directly, complete a paper app and the client provides you with a “wet signature”. You then mail or fax in the completed app. Agent-assisted web-based sales are done via our website, It is particularly useful for phone sales, because you can call the client and walk them through the application on-line. After the application is complete, the client approves it with an electronic signature and it is immediately sent to the insurance company for review. Below are a few of the advantages of each method: Choose the method that works for you (or use both!) Paper App Submission Web-based App Submission Generate valuable additional leads by knocking on doors Take advantage of free AHCP leads to call or e-mail and personally visiting small businesses. prospects in your resident and non-resident states. Impress your clients with colorful, attractive brochures Serve busy clients by quickly taking their application available through AHCP. over the phone and submitting it via the Internet. Sell to clients that do not have a PC or Internet Save money on gas, food, and dry-cleaning bills by connection. working from home or office. Take advantage of local advertising and referrals to Double your sales calls by eliminating downtime and promote your business. traveling time between clients. Ideal For: Salespeople who enjoy meeting with clients Ideal For: Assertive, web-savvy salespeople who enjoy and delivering a face-to-face presentation. selling over the phone. How Do Agent-Assisted Web-Based Sales Work? For those of you interested in selling online or over the phone, here is how the process works. To be an online sales agent, you’ll need a phone, a PC, and an Internet connection. To get started an online agent usually relies on leads, which are available through AHCP at no cost through our Lead Credit Program. As an online sales agent, you will typically communicate with your clients via phone, web conferencing and e-mail. Using the AHCP website as your sales tool ( you can instantly direct the client to any information they need, create real-time quotes, and type in and submit their application immediately. It’s fast, it’s easy, and it’s enjoyable! Best of all, it doesn’t matter where your client lives – so you can respond to leads from anywhere you have a non-resident license. For those agents who prefer this type of selling, our agent assisted web-based sales process provides the advantages of reduced overhead and increased productivity. Not Sure Whether to Go Paper or Online? Do Both! There’s no reason you can’t use both approaches to meet your goals. In cases where your client is out of town, or a personal visit cannot be arranged, you can use the online option. If your client is close enough for you to visit personally, you can grab a paper app and some brochures and drive down to see them. Furthermore, you can always bring your laptop and submit an online application right from your client’s home. With AHCP, any option is available to you at any time! 4
  5. 5. 6 Core Strengths The Value Proposition That Sets AHCP Apart 1. Leads 4. Commission Advances With our free lead credit program, we create a AHCP agents can receive up to a 9-month “Cycle of Success” for you. For each eligible issued commission advance on issue for each Major sale, you receive credits into your own Lead Account. Medical insurance sale. Commission advances also Then you may purchase leads directly from your are available on many ancillary products. AHCP account – for the states, pays commissions fast – as fast as every week by counties or zip codes EFT. That means you have your money to spend you specify. You use when you need it. these free leads to make more sales of quality AHCP products… 5. Training which earn you MORE As an AHCP agent, you can train as often as you free leads into your want through weekly phone/webinar training Lead Account. You AND online training that is available every minute can also use your of every day. Training includes: product benefits, Lead Account for underwriting issues, sales tactics, electronic systems online platform tools and tools, and other new developments. to enhance your sales efficiency. 2. Proprietary Products AHCP designs and develops special proprietary and private label products, including: • Major Medical • HSA-Qualified High-Deductible • Catastrophic Care • Dental 6. Agent Service 3. Incentive Trips With AHCP by your side, you are never alone. AHCP offers exciting programs to reward exceptional Whenever you need assistance or advice, our Agency performance. Each year we treat our best producers Services team and management staff are only a to a sales convention at exciting destinations like phone call or e-mail away, to help you with: Mexico, Maui, Las Vegas, the Bahamas, or the • New Products Caribbean! • Commission Inquiries • Licensing Inquiries • Web Navigation/Enrollment • Leads...and more! In addition, we have an array of services and resources to help you succeed, including: email support, eAgent Center and weekly email newsletter. 5
  6. 6. Products* Major Medical - Serve any client with many different plans available and numerous combinations of deductibles, copays, and coinsurance Sell More What makes AHCP HSA-Qualifed High-Deductible Major Medical agents so successful? It’s Simplified Issue Hospital/Surgical Indemnity - for clients who cannot simple: more carriers + qualify for or afford Major Medical more products = more opportunity! Critical Illness The chart to the right shows the products we currently Life Insurance offer. We’ll be adding even more carriers and products Short-Term Medical in the near future! 24-Hour Accident and Critical Illness *Not all carriers and/or products are available in all states. You must be contracted with AHCP and licensed and appointed Here is your earning potential with 4-5 issued & placed AHCP sales a week!* with the individual carrier in order to sell these products in any state. Year 1 Year 2 Year 3 Your appointment is subject to Advance Commissions $61,440 $69,120 $76,800 acceptance by the carrier. Earned Commissions $1,577 $31,684 $35,620 Earn More Renewal Commissions $0 $4,896 $12,463 Combine our extensive Other Products $2,500 $2,750 $3,000 product portfolio with our Lead Credits $4,320 $4,752 $5,227 competitive commissions, and you have the recipe for Total $69,837 $113,202 $133,110 outstanding earning potential. Agents can earn in excess of $100,000 in their second year *Assumptions for Agent Earnings Example: – as demonstrated by the chart to the right. Year One & Renewal Senior Agent Level Year Commission Top agents will earn much more – and can also receive all Issued Major Medical 4 per week first year, 4.5 per week second year, 5 per of the extra benefits shown on Policies week third year, $3,200 average annualized premium, the previous page. normal lapse rate Not a guarantee. Actual earnings Advance Commissions 8 month advance on major medical sales of sales representative will depend on many factors, Earned Commissions Earned commission on major medical sales including the activity level of the (after advance commission has paid through) individual. Other Products Commissions include simplified-issue indemnity Association plans, life insurance, short-term medical, and other Endorsements products available through AHCP. Most of our products are Lead Credits Based on $30 credited to the agent’s lead purchase sold in conjunction with an account per issued major medical policy, assuming a association membership, 75% placement ratio. through associations Year 2 and Year 3 Assumes a 10% growth in advanced and earned including USBenefit Plan, commissions as result of inflation on year one America’s Health Care premiums and/or increased sales by the agent. Consumer Association and FACT. These are not-for-profit national associations. 6
  7. 7. Our Focus On Agents What We Do To Provide You With Exceptional Service With AHCP by your side, you’re never alone. Whenever you need assistance or advice, our Agency Services team and management staff are only a phone call or e-mail away. We also have a full array of services and resources to help you succeed in your career, from product and sales training to our newsletters and marketing resources. Here’s a snapshot of what we provide for agents: AHCP Agency Services / 877-228-8773 AHCP Agency Services operates out of our Dallas Headquarters, where a staff of trained professionals is available to serve you Monday-Thursday from 8:00 a.m. to 4:00 p.m Central time and Friday 8:00 a.m. to 12:00 noon Central time. Your call will be answered promptly by a “live” person, ready and waiting to help you with: • New Products • Commission Inquiries • Licensing Inquiries • Web Navigation/Enrollment • Leads •. ..and more! No matter what the inquiry, we can usually answer it right there on the phone, or we’ll get back to you quickly with the information you need. E-mail Support In addition to phone support, AHCP also provides comprehensive e-mail support via the following e-mail address: Online Agent Resource Center Our online Agent Resource Center (ARC) provides you with a 24/7 resource for accessing marketing materials, leads, rate information, applications, forms, policy guides, and more. The ARC also serves as a central resource that links to all of our carrier home pages and administrative systems. Training Conference Calls We hold conference calls with our carriers to discuss product benefits, underwriting issues, sales tactics, and new developments. All AHCP agents are welcome to participate in these calls and to ask questions. This is a great way for agents to get up to speed quickly on our program. The schedule for these calls appears in both the website and our AHCP agent newsletter - emailed to you weekly. Weekly E-mail Newsletter AHCP ties together all the important news and information agents need to know into one convenient newsletter – e-mailed on a weekly basis. The newsletter includes company announcements, production reports, contest updates, training schedules, and selling tips from our own management staff. 7
  8. 8. Profiles of Success Real Agents Talk About AHCP These are just a few of the many letters we receive from AHCP agents all over the country: T he decision to join AHCP was rather easy. They have put together an impressive opportunity that provides good value to my clients and handsome rewards for my wife and me.” I was ready to give up on the insurance industry because I did not feel there was a product that I wanted to offer to myself or my clients. I always felt that if I found a product that I believed in myself, then I could sell it.” “I have enjoyed not having to drive 3,000 miles a month for face-to-face sales and have faith in the “In December of 2004, I was introduced to AHCP companies and products that we offer to our and their line of products. I was excited to learn clients.” more about the company. I made the move to “It’s nice to be home at night and enjoy the AHCP and my sales have been great. And I feel flexibility this opportunity offers me and my good when I leave the client because I know they family!” have a great plan and will be taken care of. I owe thanks to my manager for introducing me to AHCP - T. D., Thiensville, WI and to their staff for their support, but most of all to AHCP for a great product.” A HCP has put together an unbelievable system and an awesome product line to go with it. The online quote and application submission - J. B., Parkersburg, WV I system together with web conferencing and all tend to be a product freak and study my the other tools and support they provide is unlike competitors closely. What we offer our clients anything I have ever seen in the past 10 years of my through AHCP pales that of other companies. sales experience.” As I have done for all these years, I take the health “I could go on and on about the programs and care insurance package of others very seriously!!! I systems of AHCP, but it is the people that I look am very proud of the products we offer and I am forward to working with in the future. I look sure that is apparent even over the phone.” forward to a long and successful career with AHCP. - T. r., Springfield, oH I am excited about the future of the agency and the direction in which it is moving!” - C. M., Valparaiso, IN T he bottom-line for me is value. Value secures clients for years to come. AHCP has a great value offer. I have closed more deals in the W hat I like best about AHCP is the helpful staff, the comprehensive and competitive products, and the ease of moving into management. It would have taken me a few years to get into an override position at my previous past two months than in my last six months with my previous company. I have also not driven one mile, have not been stood-up for an appointment and have clients I know who will be on the books for years to come.” company. AHCP has made that income level easy to attain. I am really excited about my future with - J. C., Pittsburgh, PA AHCP!” - K. K., rock Hill, SC For more information, call AHCP at 877-228-8773 or visit us on the web at: NOTE: AHCP representatives are independent, contracted agents. AHCP agent services and incentive programs are provided by and are the responsibility of AHCP and not the insurance carriers. Agent commission advance programs vary from product to product and are subject to change. Commissions and sales incentives reflect current AHCP programs as of the date of this brochure and are subject to change. Commission earnings examples shown are not a guarantee. Insurance carrier financial ratings vary by company. 8