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!

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
AHCPsales.com 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. 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
info@AHCPsales.com 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
AHCPsales.com. • 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
AHCPsales.com
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. 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. 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, AHCPsales.com. 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 (AHCPsales.com) 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. 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. 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. 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:
info@AHCPsales.com
Online Agent Resource Center
AHCPsales.com
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
AHCPsales.com 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. 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:
AHCPsales.com
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