PRODUCT TRAINING

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Value Benefits of America, Inc., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest to members. To enhance the quality of life for members by offering benefits and discount services for association members.

Value Med Plan is Underwritten by Guarantee Trust Life Insurance Company and The United National Life Insurance Company of America, the Value Med Plan is an innovative and affordable limited benefit health insurance product.

Since 1973

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Association Membership enables us to offer members quality insurance benefits as well as these cost savings services:

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CallMDProtects you and your family A nationwide network of medical doctors available for UNLIMITED CallMD phone consultations, and where allowed by law may write a prescription for a non-narcotic or non controlled medications at any time day or night.

*Non-narcotic or non controlled medications.

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Also Save with VBA Dividend Club Savings online at over 400 major chain stores: up to 50% off

retail Discounts on travel services, hotels and car rentals

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Savings on dental, vision & hearing services, prescriptions, lab tests, chiropractic visits, X-rays & imaging and more!

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In Most States, benefits include doctor’s office visits, daily Hospital confinement, outpatient services, ambulance and more!

Guaranteed Renewable to age 65

Pays In Addition To Other Insurance

Use Any Provider – NO Network

Benefits Paid Directly To The Insured

NO Deductible – NO Co-Pays

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FIRST DIAGNOSIS CANCER BENEFIT$10,000 option also available

$5,000

DOCTOR’S OFFICE VISITS:Physician’s Office Visits – 10 per year each insured adult, 5 per calendar year for all children combined; limit one visit per week per insured.

$75 EACH

DAILY HOSPITAL BENEFITS:Daily hospital confinement cash benefit from the first day up to 365 days per lifetime (Dependent children limited to $100 per day)

$1000$500 or

$100 DAILY

OUTPATIENT BENEFITSPays $100 per sickness or injury up to $200 p/calendar year, per covered adult and for each covered child.

$100PER SICKNESS

OR INJURY

AMBULANCE BENEFITSPays expenses incurred for ambulance services due to a covered injury or sickness

$200PER SICKNESS OR ACCIDENT

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Individuals & Families

Groups & List Bill – minimum of 5 or more

Monthly Bank Draft or Credit Card Accepted

One Page Application

Quarterly, Semi-annual, or annual modes available; or direct bill

Qualifies for Section 125

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Pays benefits for medical treatment due to sickness and accident only. See brochure for detailed Exclusions & Limitations.

Pays in addition to other coverages.

Pays benefits directly to the Insured, where assigned. After medical treatment due to sickness or accident, the Insured must file a claim.

For questions regarding billing or policy issue, underwriting or claims or to obtain a claim form, the

client must contact the respective underwriter: GTLGTL: 1-800-338-7452 or UNLUNL: 1-800-207-8050 (varies by state)

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AL KY TXAK LA UTAZ MD VAAR MIWVCA MS WICO MOWYDE NEDC NVGA NMHI OHID OKIL PAIN SCIA TN

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AL KY TXAK LA UTAZ MD VAAR MIWVCA MS WICO MOWYDE NEDC NVGA NMHI OHID OKIL PAIN SCIA TN

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16Questions 4 & 5 Do Not Apply for FL, OR, SD & WA.

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Made available by Value Benefits of

America

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GO TO:www.vbamembers.c

om

CLICK

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Effective Date? > Application Dateo Unless otherwise requested (up to 30 days after approval

date)

Monthly Draft Date? > Application Dateo Unless otherwise requested; First draft: application date

Changes or Cancellations?o Must be sent in writing to GAC• Received prior to draft date: Cancellation effective

immediately; same month.• Received after draft date: Cancellation effective following

month.

Supplies & Other Questionso See your Marketing Director or Contact GAC

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1. Go to www.gacquote.com

2. Click on “Agents” in the blue ribbon on top of page.

3. Click on “Request on-line enrollment Link”

4. Scroll to the bottom and click on “Click Here for Registration Form”

5. Complete the Registration form and then click Submit

6. SEND Email to erik@generalagentcenter.com when you complete registration. (This will ensure you receive your links) 23

Selling Made Easy

Email URL Link to potential clients Insert URL Link on your website.

Your URL Link will code your new business to you

automatically!

When your client enters the GACQuote site through Your URL Link:

Your name, phone number & email will be postedon the top of the page they see.

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Entire presentation for Agent use only. Not for consumer distribution.Our links at www.gacquote.com under Value Access contain exceptions, limitations

and details.