P&W Services offers affordable, non-insurance health and dental benefits for individuals and small businesses. This briefing was presented to small business owners, insurance brokers, and non-profit organizations at our ribbon cutting ceremony on 17 Jul 09. For more information, go to PandWservices.com

1. How Your Company Can Offer Affordable Health
Programs to Your Employees
Presented By: P & W Services, LLC
Tim Pishdad and Cynthia Watkins

2. Employer
Advantages
NO
Contribution Requirements
NO
Participation Requirements
Flexibility
Ease of Administration
FREE to Owner/Company

3. Employer Advantages continued…
 Employee Retention – 2nd highest reason employees move to
another company is for benefits
 No Mandatory Participation – Unlike insurance, there is no
required percentage of employee participation
 No Mandatory Contribution – Unlike insurance, there are NO
contribution requirements placed on employer. Employer may
choose to pay all, part or NONE of monthly fee. Employer may
decide which employees/full-timers/part-timers or independent
contractors to contribute to or not contribute to. OWNER
Controls
Don’t worry about high turnover staff…It’s FREE to You!!!

4. Employer Advantages continued...
 Payroll Deduction at Employer’s discretion
 One List Bill Sent to Company (w/ 5+ participants)
 Auto Draft (w/ less than 5 participants)
 Ease of Administration (easy adds and drops)
 Qualifies for Section 125 – Pre-Tax Dollars
 No Mandatory Open Enrollment; at Employer Discretion
 NO COBRA Administration
 Employee Education by Independent Representative
 ID Cards mailed directly to employees’ homes
OWNER can now offer benefits to EVERYONE,
including Part-timers, Seasonal, during wait
periods, until open enrollment!

5. Employee Advantages
Affordability
Freedom of Choice
Everyone in House
Gets Benefits
No Waiting
Periods
No Medical
Qualifying
Pre-Tax Dollars
Portability
Low Cost: $3.42/week - $13.85/week

6. Employee Advantages
continued…
 Drastically lowers cost of Healthcare (SAVE MONEY!!)
 Five (5) Low cost plans to choose from
 Payroll Deduction Available at $3.42/week - $13.85/week
depending on plan selected
 No Deductibles to meet
 Instant Savings
 Up to 80% Savings or More
100% Satisfaction Guaranteed !!

7. Employee Advantages
continued…
 May choose and change provider within network without
prior approval or notification
 May refer and recommend personal dentist or physician if
not a participating provider in network
 No Limits of Services or Visits
 Never Pay Retail for Health Services
 No Age Limits
 Household Fees include anyone living at residence,
regardless of relationship or age
Everyone in the Home can start saving money TODAY!!

8. Employee Advantages continued…
 No Exclusions of pre-existing or ongoing conditions
 No Paperwork or Reimbursement Worries
 Orthodontics & Cosmetic Dentistry included with Dental
Plan
 Hearing, Podiatry and Diabetic Supplies Program, LASIK
Surgery
Sign UP Today…..Use it Tomorrow!!!!

9. Five (5) Plans to Choose From
PLAN I (DENTAL) PLAN II (BASIC HE ALTH)
 Dental with  Medical with
 Vision  Doctor Visits
 Prescription  Laboratory
 Chiropractic  Ancillary (MRI, etc.)
 Hospital Advocacy
Individual:  24 Hour Nurseline
$14.95/mo or $3.42/week
Household: Household:
$19.95/mo or $4.61/week $29.95/mo or $6.92/week

10. Five (5) Plans to Choose From
continued…
PLAN III (TOTAL HEALTH) PLAN IV (TOTAL HEALTH +)
 Dental with Medical  Dental with Medical as in
 Including:  Plan III details;
 Vision, Prescrip., Chiro,  Including also:
 Doctors Visits  Auto Club (Sign & Drive)
 Ancillary  Discounted Legal Services
 Hospital Advocacy  Identity Theft Protection
 Nurseline Household:
Household: $59.95/mo or $13.85/week
$39.95/mo or $9.23/week

11. Five (5) Plans to Choose From
continued…
PLAN V (BASIC WELLNESS)
 Vision
 Prescription Drugs
 Hearing Plan
 Nurseline
Household:
$14.95/mo or $3.42/week

12. Group Requirements

13. Group Requirements
& Benefits
 Must have minimum 5 employees for monthly List Bill
 Under 5 employees, corporate will auto-draft the company account
 1st month’s payment may be made with company check or company
credit card
 Must mail initial paperwork (originals)
 Future adds/drops to existing group account may be faxed to
Corporate Group Division
Owner:
YOU never pay for programs your employees select even if
they quit….WHY? YOU never prepay….always collect
funds first!

14. How Simple is It?
 Only One Form to Complete (5 Min) Authorization Form
 Only one application per employee (they pick one of the 5 plans)
 P & W Services handles the mailing/correspondence with
Corporate
 Corporate mails out membership cards, and handles customer
service questions directly with each employee
 THAT’S IT!! EASY to Do!!
BE A HERO
Help you Employees Save Money on Dental and Health Now!

15. Managing General Representative
Program for Insurance
Agents/Brokers
Now Your Company Can Offer Affordable Non-Insurance
Dental and Health Programs to Your Clients
Presented By: P & W Services, LLC
Tim Pishdad and Cynthia Watkins

16. MGR Program Highlights
 The MGR program is pretty simple and the target market is well defined.
Who is eligible for an MGR agreement?
 Any licensed insurance agent who has one or more “General Agent” or
“Managing General Agent” contracts with recognized insurance companies.
 Full monthly residual Commissions will be paid. 30% level monthly on all
business.
 The MGR can designate at the time of contracting whether they want to receive
the entire commission and in turn they will pay their agents, or
 They can designate how they want the commissions split and AmeriPlan will do
the splitting and send the checks in accordance with their specified split
arrangement.
 The MGR and their agents can enroll members into the AmeriPlan Discount
programs. (No geographic or territorial limits)
The total program costs, literature, interactive
websites are FREE!!

17. MGR Program Highlights
continued..
 AmeriPlan has five (5) attractive Dental and Health
care programs
 AmeriPlan provides customer support for clients
 P&W Services, LLC provides comprehensive training
for all agents
 Web based training also available
Add more income to your bottom line…
FREE Literature, Training, Websites

18. MGR Program Highlights
continued..
 How easy is it to get started?
 It takes about 15 minutes to fill out paperwork
Requirements
 Fill out two forms
 Copy of Insurance License for Broker/Owner
 Personal contact info, license # for each agent
 Select % split for commissions paid directly by
AmeriPlan Corporate
YOUR DONE !
Now you can help all your clients regardless of income or health
situation, and help your agents earn more income for their families!

19. Non-Profit/Association/Club
Now Your Organization Can Raise $1,000’s and at the
same time help others who need access to affordable
Health Care.
Presented By: P & W Services, LLC
Tim Pishdad and Cynthia Watkins

20. What Are the Details?
 Fill out one Form to activate relationship with
AmeriPlan
What do we get?
 3 Websites maintained by AmeriPlan to sign up
members (secure server) will be provided
 Back office support to monitor account status and
earnings
 Help Desk Support for members
All the work is done for you!

21. What Do We Earn?
 Immediate residual earnings of 30% on all
memberships (only 17 individual memberships are
needed to generate profit from investment)
What Does It Cost?
 Depends on level of entry, but cost will be negated
by P&W Services, LLC as our contribution to your
fund raising efforts
FREE

22. Example of Potential Earnings
Partner with P&W
Friends,
Family of
Services, LLC General
Non-Profit Members
$50
100 Monthly 100
Investment
Monthly Return on
Investment US Population
175 Million
4,150 Business
Relationships
Income based on Individual Dental Membership Only 500

23. How Will P&W Services
Support US?
 Handle all questions/issues about the program (No
additional administration by your organization)
 Media campaign to provide information to
Public/General Membership and others about
program utilizing Organization’s current media
products/resources
 Support at your fund raising activities
 Personal commitment by P&W Services, LLC to
excellence, integrity and financial goals of the
Non-Profit/Association/Club

24. Thank You for Attending!
Questions anyone?
Presented By:
Tim Pishdad and Cynthia Watkins
P & W Services, LLC
321-220-8265
PandWservices.com