Mark your calenders to attend …

n Manager Todd Wilso Divisional Sales ®

AmeriPlan

Presents:

Two “Don't

Miss” Events

…

DFW A SpecialTr aining Leadershiping Meet

and !! TURDAY rt SUPER SA Dale Calve t Speaker: AmeriPlan Special Gues

®

g National Trainin

Director

SUPER !! SATURDAY

W A Special DF Training Leadership g tin ee M

SUPER ! Y A D SATUR

Vol. 7 Issue 1

ing. a Business Brief ns at 10am with t the Saturday begi to learn abou of GUESTS each Bring LOTS ortunity ~ and ® Business Opp day AmeriPlan an IBO that me beco to des guest that deci om Bucks! $100 in Blo Calvert, will receive on with Dale Training Sessi will begin A special IBO ing Director, National Train AmeriPlan’s at 1pm.

those designed for meeting is ners This special t Business Ow ® Independen m AmeriPlan the minimu have attained ) (IBOs) that s Director (RSD Regional Sale of l leve pin to make RSD so be sure ve or abo ~ nd! ting and atte mee the before

10:00AM 7 , AUG. 11,‘0 7:30PM10,‘07 SATURDAYNor t th Marriot . DFW

FRIDAY,

AUG.

114 Pkwy & Hwy 8440 Freeport s 75063 Irving, Texa

Center ional Training Dallas Reg #110 Road, Suite 5519 Arapaho s 75248 Dallas, Texa

929-8800 Hotel # 972-

Linda Rowden

AmeriPlan ® Division al

Presents:

Sales Manage r

Two “Don't

Miss” Even

A Special De ts … Leadership Tratroit Meeting ining and

SUPER SATU RDAY!! Special Guest

Speaker:

Dale Calvert

AmeriPlan ® Nationa l

A Special De Leadership Tratroit ining Meeting This special meet

ing is designed for those AmeriPlan ® Indep endent Business Owners (IBOs) that have attained the minim um pin level of Regio nal Sales Direc tor (RSD) or above so be sure to make ~ RSD before the meet ing and attend!

7:30

30 FRIDAY, SEPTPM . 14,‘07 Regional Train ing Center 17641 W. Twelv e Mile Rd. Lathrup Villag e, MI 48076

Training Director

SUPER SATURDAY!! Saturday begins at 10am with a Business Briefing. Bring LOTS of GUESTS to learn about the AmeriPlan® Busin ess Opportunity and each guest that decid es to become an ~ IBO that day will receive $100 in Bloom Buck s! A special IBO Traini ng Session with Dale Calvert, AmeriPlan’s Natio nal Training Direc tor, will begin at 1pm.

10:0

:00AM SATURDAY, SEPT . 15,‘07 The West in Southfield 1500 Town Cent er Southfield, MI 48075 Hotel # 248-8

27-4000

Linda Rowden

® l Sales Manager AmeriPlan Divisiona

” Events … Two “Don't Miss

Presents:

A Special NY/NJ g inin Leadership Tra Meeting ®

National Training

Director

ss Briefing. 10am with a Busine Saturday begins at the TS to learn about Bring LOTS of GUES and each ® ss Opportunity ~ AmeriPlan Busine that day IBO to become an guest that decides s!

those ng is designed for This special meeti Owners ® endent Business AmeriPlan Indep um attained the minim (IBOs) that have (RSD) or nal Sales Direct pin level of Regio RSD be sure to make or above ~ so ing and attend! before the meet

in Bloom Bucks!

will receive $100 Calvert, g Session with Dale A special IBO Trainin will begin al Training Director, AmeriPlan’s Nation at 1pm.

10:00AM

Holiday Inn 304 Route 22 West Springfield, NJ 07081

®

224 Livingston St.

Brooklyn, NY 11201

6-9400

Hotel # 973-37

Linda Rowden

Sales Manager

Presents:

Two “Don't Miss ” Events …

A Special Chicag Leadership Trainino g Meeting and

SUPER SATURD AY!! Special Guest Speake

r:

Dale Calvert Training Director

AmeriPlan® National

A Special Chica go Leadership Trainin g Meeting This special meeti

ng is designed for those AmeriPlan® Indep endent Business Owners (IBOs) that have attained the minim um pin level of Regio nal Sales Director (RSD) or above so be sure to make RSD ~ before the meeti ng and attend!

7:30PM

0PM FRIDAY, OCT. 5,‘07 AmeriPlan® Regio

Here are the current markets scheduled for a “Super Saturday.” Check on IBO Support “Events” and you can print out a PDF flyer. Keep your eye on the calendar for additional dates and watch your mail for announcement flyers.

10 29,‘07 SATURDAY, SEPT.field Spring

0PM

7:00 ,‘07 , SEPT.nal28 FRIDAYiPlan Office Regio

AmeriPlan® Divisional

is a Friday evening leadership meeting for Sales Directors. An AmeriPlan ® Divisional Sales Manager will host and provide recognition for the local leadership followed by a vital message presented to the Sales Directors by Dale Calvert. The “Super Saturday” event begins with a Business Briefing at 10:00am that is conducted by local leaders and the Divisional Sales Manager…followed by a “call to action” by Dale Calvert. $100 Bloom Bucks will be sent to each new IBO signed up at this event. From 1:00pm to 4:00pm, Dale will conduct an intensive successdriven, AmeriPlan ® specific, training program that you do not want to miss, if you have any desire to grow your business and find financial freedom.

SUPER SATURDAY!!

A Special NY/NJ g inin Leadership Tra Meeting

Amer

A decision has been made to see that the message that Dale is delivering should reach more people faster, and the “Super Saturday” was deemed to be the answer. Here is how the “Super Saturday” works: When the event comes to a market, there

and

AY!! SUPER SATURDDale Calvert r: Special Guest Speake AmeriPlan

These “don’t miss” events are being conducted by AmeriPlan® National Training Director and Worldwide Training and Motivation icon, Dale Calvert. Dale has been making a major impact on the success of many of our IBOs business through his presentation of the National Sales Director Training School. This school, held in Dallas for newly promoted Senior Regional Sales Directors, is making it’s mark on our business.

nal Office 100 E. Roosevelt, #15 Villa Park, IL 60181

SUPER SATURDAY!! Saturday begins at 10am with a Busine ss Briefing. Bring LOTS of GUES TS to learn about the AmeriPlan® Busine ss Opportunity and each ~ guest that decides to become an IBO that day will receive $100

in Bloom Buck

s! A special IBO Trainin g Session with Dale Calvert, AmeriPlan’s Nation al Training Directo r, will begin at 1pm.

DFW Detroit

August 10th & 11th September 14th & 15th

NY/NJ/PA Chicago Atlanta *Anaheim *Orlando *Phoenix

September 28th & 29th October 5th & 6th October 19th & 20th November 2nd & 3rd November 16th & 17th December 7th & 8th

completed and absolutely AWESOME!

*these dates are tentative, please check the events calendar on IBO Support for updates.

10:00

AM SATURDAY, OCT. 6,‘0 7 Marriott Chica go Midway 6520 S. Cicero Ave. Chicago, IL 60638 Hotel # 708-594-5500

Make it your business to attend one or more of these fantastic events. Bring or send your team and any prospects that you may have. Here is something that can change your life, if you let it!

11915078

CONTENTS Welcome 1

From the Editor’s Desk

2

Partners in Prosperity

4

From the Desk of Derric Farruya

Welcome!

New “Paid-As” Enhancements 5

From the Desk of Julia Baker Provider Relations

6

2007 TPT Highlights

8

Aug-Sept Spotlight

12

IBO Benefits

13

New Products

14

From the Desk of Brent Goodwin

15

National Sales Director Training School 7 Core Commitments

16

ABO Mortgage EZMeds Contest

17

“Super Star” Promotion

A monthly publication of AmeriPlan Corp. 5700 Democracy Drive, Plano Texas 75024 469-229-4500 ®

Publisher - Dennis Bloom, Board Chairman/CEO

It has been some time since we have had the opportunity to communicate to you through the monthly newsletter format. We are proud to introduce our new monthly publication that is intended to keep you better informed about many important items regarding the success of your AmeriPlan® business. You will see for yourselves what we have in mind as you read through this special August / September issue and the coming monthly issues that you will be receiving. As you go through this yet unnamed publication, you will see that inside will be the more familiar “Spotlight on the Stars” that you can remove and use when making presentations to new prospective IBOs. You will also find educational, motivational and inspirational articles and stories, as well as practical tips on finances, taxes and your health. We are firm believers in supporting those who wish to improve themselves and grow through knowledge. This publication is unnamed for this issue only because we are going to give you a chance to name it. That’s right; we are going to have a “name the newsletter” contest. If you wish to submit a name, please email your suggestion to: [email protected]. The winning name will be selected by a distinguished panel, and the winner will receive a new lap top computer or Apple iPhone … your choice. The winner will also be interviewed and will appear in a future issue of the newsletter bearing the winning name that they submitted.

Editor - Barry Friedman,CFP,Sr.VP Mtktg./Bus.Dev. Creative Director - Wilbert Bell Sr. Designer - Karen Spieler Contributing Writers Dennis Bloom, Board Chairman/CEO Barry Friedman, CFP, Sr.VP Mtktg./Bus.Dev. Brent Goodwin, VP Sales & Marketing Mark Dixon, Dir. Corp. Communications Editorial inquiries / reprints of articles and/or to submit articles, photos, or other information, please mail them to: Attn: Editor at AmeriPlan®, 5700 Democracy Drive, Plano, Texas 75024. Letters to the Editor: We welcome your comments and suggestions. We reserve the right to edit letters for grammar and length prior to publication. Please include your name and address with any correspondence.

©2007 AmeriPlan®. All rights reserved.

We hope that you enjoy and profit from this new AmeriPlan® publication. Don’t hesitate to communicate with the editor, Barry Friedman, with any suggestions or comments that you may have. We want this to be your publication and something that we can all be very proud of. Best of luck and good reading!

SuperStar RSD Achievement: ~ All NEW IBOs with received dates from Oct.1, ‘07 through Dec.27, ‘07 are eligible. ~ All IBOs who have reached the RSD or higher pin level as of Oct.1, ‘07 are NOT eligible. ~ All non-sales director IBOs whose received dates are prior to Oct.1, ‘07 will have until Oct.22, ‘07 to qualify for the 21-day award and until Oct.30, ‘07 to qualify for the 30-day award. ~ Only business received on or after Oct.1, ‘07 counts toward this promotion.

H An AmeriPlan® designer writing pen, AND 60 days after your RSD date, a $ 90 nonH For chargebackable SuperStar Bonus for every NEW IBO

Achieve RSD within 21 days of your received date* and earn:

H

you personally submit whose application is successfully processed, AND A gold SuperStar RSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 60-day period.

H An AmeriPlan® designer writing pen, AND 30 days after your RSD date, a $90 nonH For chargebackable SuperStar Bonus for every NEW IBO

Achieve RSD within 30 days of you received date* and earn:

H

you personally submit whose application is successfully processed, AND A silver SuperStar RSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 30-day period.

SuperStar SRSD Achievement: ~ Only IBOs who achieve RSD SuperStar status are eligible.

Achieve SRSD within 60 days of your RSD promotion date and earn: 60 days, a $90 H For non-chargebackable

H

SuperStar Bonus for every NEW IBO you personally submit whose application is successfully processed, AND A gold SuperStar SRSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 60-day period.

Achieve SRSD within 90 days of your RSD promotion date and earn: 30 days, a $90 non-chargebackable SuperStar H For Bonus for every NEW IBO you personally submit

H

whose application is successfully processed, AND A silver SuperStar SRSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 30-day period.

* The “received date” is the date your IBO Agreement is received by AmeriPlan®. There will be a 5-business-day hold on all SuperStar Bonus checks to verify new business. All standard contest rules apply. Important: Any additional “bonus days” earned for achieving SuperStar SRSD status are added to those earned for achieving SuperStar RSD status..

Dennis Bloom

Daniel Bloom

Chief Executive Officer Chairman

Chief Operating Officer President

INSIDE AmeriPlan ®

August / September 2007

17

FROM THE EDITOR’S DESK Welcome to the first issue of your new monthly newsletter!

Introducing ABO’s

MY COMMUNITY

Sorry that I can’t refer to it by name, but as you may know by now, it does not yet have a name. The naming of this publication is in your hands and we know that you will do a great job.

~ up to 100% Financing! (certain restrictions apply)

Purchases, Refinances & Investment Financing available ~ call me to discuss your scenario

Reverse Mortgages 100% Nationwide financing ~ with 620 score

Best Score Program ~ use the highest qualifying FICO of all

“Cash Out” your home equity

Barry Friedman, CFP Editor & Senior Vice President of Marketing & Business Development

applicants, regardless of income contribution percentage

40 & 50 year loans Nationwide Residential & Commercial loans

Commercial loans for apartments, mobile home parks, office, retail, hotel & self storage properties

No FICO score required ~ with 20% down

No Financing in New Jersey

Fixed Rate & ARM financing $0 Down purchasing

Sandra Mabry

Call Today!

Sr. Vice President, ABO Mortgage

[email protected]

469-229-4385

Fax: 469-229-4597 E-fax: 866-244-8628 TX Broker License #: 11064

THEY DESERVE YOUR SUPPORT!

EZMeds Contest! For every five eligible APAP applications that you submit which enroll in this great moneysaving program, you will receive a $125.00 bonus check. There is no limit to how many bonus checks you can receive! The contest runs from September 1, 2007, through December 28, 2007.

*As an AmeriP lan drugs are costing ® member, if your prescr iption AmeriPlan® has you more than $90 a mo nth . . . the solution!

Our plan offe

rs you

Unlimited FRE Prescriptions E

4Monthly service fee of only $82

4

.00 giving you instant sav ings! Access to over 1,100 name-bran d prescriptions No limit to the number of pre scriptions you take

4

4No age limits, health restrictio

ns or limitation of use No paperwork , other than com pleting our enrollment form at time of application

4

Check IBO Support for the details of the new EZMeds contest. You will find the complete details and a downloadable APAP Bonus Completion Form.

Regardless of your politics or your feelings about the war in Iraq, the brave young men and women who are putting their lives on the line everyday to protect our freedom and way of life deserve your support. Whether through donations to the many organizations that are doing such a great job of helping the troops and their families, or by giving some of your time to this great cause, your support is needed and appreciated. Most of all, please give the most important thing that you can … your prayers for the troops’ safe return.

Don’t miss out on this opportunity to get yourself some Holiday Cash! 16

We will be providing you with much information and many useful tools for success. You will see articles and features with useful day-to-day

I am looking forward to bringing this publication to you in a way that will reflect proudly on you and your team members. This is your publication and we want it to reflect that, so please be a part of it. Enjoy! Barry Friedman, CFP Editor

PRODUCT TESTIMONIALS Having been around AmeriPlan® for almost fifteen years, one of the things that impresses me more and more every day is the great savings that our members realize when they use any of our great benefits and providers. It does not matter what program you are in, if you and your members will utilize the benefits, the program will more than pay for itself many times over. From a personal perspective and with the DVPC program only, my family of five has saved more than $36,000 in the past fifteen years. With that as an introduction, we would like to let you know that you will be seeing actual product testimonials

INSIDE AmeriPlan ®

It is our intent to make this newsletter something that you will be proud of and will look forward to receiving each month. The range of content will be broad and it is our goal to see that each and every word will be of value to you in your life and your business. As you well know, AmeriPlan® is a very exciting business and it presents you with one of the greatest opportunities for financial success of any home-based business in America. There is, however, a great deal of information that you should have to assure your success and to make sure that you have the tools and resources at you finger tips to realize the maximum benefit from your efforts.

information. There will be tax tips, financial and health tips. In addition you will find many opportunity and product testimonials to help reinforce that you are in the right place at the right time with your AmeriPlan® business. We will also be having some fun with this publication. Each month you will find scattered throughout the newsletter small boxes with a series of numbers in them. These are active IBO numbers…if you should see your number in one of these boxes, contact your DSM for verification and we will send you $50.00 in Sales Aid Certificates (Bloom Bucks) that you can use for sales aids and tools.

August / September 2007

scattered throughout this publication. They are from members and IBOs and reflect just a small number of the testimonials that we receive. We would encourage you to submit any that you have from your own experience or that of your members. We really love sharing these wonderful examples of what great savings AmeriPlan® produces when you use the benefits. Thank you, The Editor

“On 6/26/07 I went to my personal physician for an examination. Shortly after the examination, medication was prescribed for me. I took the prescription to the pharmacy and they told me that it would cost $30.99. Once I presented my AmeriPlan® discount card my total due for the medication was only $5.16. I truly shouted for joy that I was able to save through the AmeriPlan® program.” Shanna P.

Submit your testimonials to [email protected] 40373296 1

PARTNERS IN PROSPERITY! 1992 ~ 2007

NATIONAL SALES DIRECTOR TRAINING SCHOOL A Huge Success!

The AmeriPlan 2007 National Convention at the Anatole Hotel in Dallas, Texas was really one to remember! ®

First of all, it commemorated fifteen years of the incredible partnership between AmeriPlan® and its business partners, you the Independent Business Owners who make this business what it is.

Then, with more than 2,000 IBOs

Dale Calvert

registered, it was the largest event that we have ever had.

National Training Director Professional Speaker & Motivator

And last, but not least, in addition to many trophies, plaques, rings, watches and other valuable awards, there were trips, prizes, a 2007 Mustang and $1.5 million in cash

This convention was the introduction platform for several

awarded to our AmeriPlan Partners.

new AmeriPlan® discount programs that were received

®

new National Sales Directors and the New National Vice

end. There was electricity in the air with all of the great

Presidents being recognized for their outstanding

programs, workshops, speakers and panels creating

accomplishments. Let us not forget all of the other IBOs

excitement every minute. The attendees were fired up and

that have risen through the “Stairway to Success” on their

they loved what they heard. Once again it was clear that

way to the top. Each and every one of you deserve the

when it comes to business partners, you are the best.

success that you wish for.

that have recently promoted to SRSD, all expenses are paid; air fare, hotel, food, transportation and training. This is a proven “life-changing event” and it should not be missed. In addition to the valuable content that you will get from the NSDTC, you will get to tour corporate headquarters, meet corporate staff and network and build relationships with other SRSDs and leaders like yourself. We can’t stress strongly enough what this can mean to you, your life and your business.

The National Sales Directors Training School is conducted quarterly. Our last school was September 7th & 8th. The next one will be November 30th and December 1st. Please try to make it to these schools and encourage anyone that you can to attend. Attendance is open to any existing SRSD and above for only $75 ( you pay your own travel and accommodations.) For all IBOs

with great enthusiasm. It was incredibly moving to see the The tone of the Convention was upbeat from beginning to

If the results achieved and the comments received are any indicator, then we must consider the National Sales Director Training School a huge success. Those who have attended the past schools have been effusive in their praise of Dale Calvert and his down-home approach to successful network marketing. He is a professional in the field, an outstanding trainer and motivator, and most importantly, he has earned more than $3 million a year in network marketing. He has walked the walk and can talk the talk.

40349671

It was also very exciting for everyone to acknowledge the winners of the Top Market Awards, Rising Star Awards, ACE Awards, Business Builder Awards and the Spirit Award. You all are worthy of much credit for jobs well done.

ACE IBO Council 2007 1 Kathleen Strooband, FL 2 Sarah Brooks, MO 3 Sallie Streck, FL

ACE DVPC Member Council 2007 1 Arnold & Diane Gonzales, TX 2 Bill Bertha, CO 3 Jim Martinez, CO

ACE CDHC Member Council 2007 1 Arnold & Diane Gonzalez, TX 2 Keith Hartwig, TX 3 Jeff Johnson, CO

2

Top Market Awards 2007 Southeast Division - Atlanta, GA Northeast Division - Detroit, MI Western Division - Phoenix, AZ Central Division - Dallas, TX

Rising Star Awards 2007 Southeast Division Becky & Kelly Blacka Northeast Division Stephanie & Alan Turner Western Division Kelly Pira Central Division Patty & Rusty Duke

Business Builder Awards 2007 Becky & Kelly Blacka, SC Steven Miller, FL Lillian Bowman, NY Phil & Joy Scruggs, NC Dennis & Sandy Guest, TX Jennifer & David Horton, GA Kelly & Garrett Fuller, PA Paula & Don Robertson, TX Anita Houser, SC Eva Campbell, TX

7 CORE COMMITMENTS Every successful venture is built on a foundation of belief and commitment. Whether it is how you run your life or your business, a value system and plan of action will take you through the easy times, and more importantly, the tough times. The success that AmeriPlan® has realized over the past fifteen years is based on a strong culture of focused dedication to a series of core beliefs. We call them, the Seven Core Commitments. They

Spirit Award 2007 Kenny Watkins & Lorene Brown-Watkins, NJ

INSIDE AmeriPlan

®

August / September 2007

should become an important to AmeriPlan® business life as they have been for thousands of others in this great business. Rather than attempting to use this limited space to cover these important elements of your business, we invite you to visit: www.7corecommitments .com. On this site you will find these commitments explained. You will hear from the AmeriPlan® Founders as well

as many of the leaders from the field. You will also receive words of wisdom from AmeriPlan’s National Training Director, world-renowned trainer, speaker and motivator, Dale Calvert. Take the time to visit the site … explore the message and commit yourself to success, for yourself and your family. 40441663 15

FROM THE DESK OF BRENT GOODWIN

CONTEST WINNERS And the most exciting thing ever… the $1.5 million Birthday Bash Drawing … WOW!

One doesn’t have to agree with every decision or policy … it’s how you choose to respond to it that counts. Not too long ago I read the book Gates of Fire by Steven Pressfield. It is about the Battle of Thermopylae, which took place in Greece in about 400 BC. In this historic battle, 300 Spartans faced an opposing force of Persians numbering in the hundreds of thousands. The future of democracy hung in the balance. At one point, the Spartan, Dianekes, was told by a fellow Greek that there were so many Persian archers, the sky would grow dark from their arrows. His reply? “So much the better, we shall fight them in the shade.” Facing 100,000 archers about to rain arrows on your head is no “Sunday picnic.” But the Spartans, rather than bemoaning their fate, chose to embrace the attitude of their leader Dianekes. Their heroic sacrifice at Thermopylae paved the way for the development of democracy in the West. Recently I spoke with an NSD who was concerned about one of the SRSDs in his organization. You see, the SRSD and his sales group hadn’t submitted enough new business that month to qualify for their Builders Bonus. The NSD went on to say that

In recognition of Dennis’ and Daniel’s 65th Birthdays, there were 65 big winners in this spectacular promotion. First of all, 60 lucky IBOs won $1,000 per month for twelve months!

this could adversely affect his entire organization. The whole group could lose focus. Negativity might reign, he felt. Not coincidentally, the NSD had consistently expressed his opposition to the company’s paid-as system. He wrote letters and e-mails to the company stating his dissatisfaction with the requirements in the strongest terms, and his team was aware of his feelings. My purpose here is not to criticize the NSD or his SRSD, for that matter. But in thinking about this article, I recalled something I once heard in a speech. “Adversity happens to everyone in life. It’s not the adversity itself that determines the eventual outcome; it’s how we respond to it that matters.” Things happen that we’re not going to like. We can either allow them to derail us, or use them to make us stronger and more determined than ever to reach our goals. Two points jump out at me. One, it is incumbent on leadership to respond to perceived adversity in a way that inspires others to not only overcome it, but to reach new heights. The NSD

… I was sketchy about getting this program…but, I will not EVER cancel it, even though I have insurance through my job. (What they call “great benefits” suck, and it should be a crime that we pay for it.) … I needed dental work done bad! I went to the dentist and had 3 extractions - 2 were wisdom teeth. COUNT THEM - 3, for only $450, that’s it! I'm even going back for routine visits soon because I want a healthy smile. SO HERES WHERE I KNEW I LOVED AMERIPLAN - I had just gotten a horrible ear infection and went to the doctor…she prescribed 3 medications … I used my "GREAT INSURANCE" through my company. My medicine was $157.60 (shocking); my insurance barely paid

The 5th Place Grand Prize Winners - Clint & Linda Fullwood won $2,500 per month for 12 months 4th Place Grand Prize Winner - Dennis Morstad won $5,000 per month for 12 months 3rd Place Grand Prize Winners - Mya & Rawlin Trent won $10,000 per month for 12 months 2nd Place Grand Prize Winner - Yolanda Vazquez won $20,000 per month for 12 months Super Grand Prize Winners - Diane & Arnold Gonzalez won an incredible $30,000 per month for 12 months

Brent Goodwin Vice President of Sales & Marketing

I spoke with can’t expect his organization to remain positive and focused when he himself is mired in the quicksand of a negative attitude. That doesn’t mean that one has to agree with every decision or policy. But it’s how we respond to it that counts. Second, all of us must take individual responsibility for our own attitudes. Sure, things happen we don’t necessarily like. We can either allow them to divert us from our purpose, or we can leverage adversity into a stronger determination to grow and succeed.

The choice –

and it is a choice – is ours.

anything. I started thinking if AmeriPlan might have been better. I read my card and noticed it was for prescriptions as well. I went back to Walgreens and the cashier said, “Oh yeah, you would of saved a lot of money with this” She refunded me the $157.60 and re-rang it under AmeriPlan … It came out to $65.00! WOW - that made my day! Believe me, I am not one to sit at a computer and write testimonies but I will stand by the membership, It’s a great deal and the people are always there and they call back as soon as they can. This is going to sound dorky, but I LOVE YOU AMERIPLAN!!!!! Thanks

In total, that represents more than $1.5 million dollars in cash paid to our very special business partners …

Congratulations!

Mustang Sally? It could have been, but it wasn’t … it was Mustang “Nancy” … well, Nancy Layman that is! You may remember the exciting AmeriPlan Health® Promotion, “The Spring of Inspiration,” that was run before convention, with the Grand Prize being a brand new, red 2007 Ford Mustang convertible. The Grand Prize was drawn at the convention and awarded to Nancy Layman ~ from right here in Texas! In addition to Nancy winning the Mustang, the following IBOs won some great prizes also: Reginald Stinson won the Las Vegas Vacation for Two at the MGM Grand! Dennis Morstad won the 42” Vizion Plasma Flat Screen TV! Misty Bannister, Sarah Brooks and Sallie Streck each won $1,000 Cash! Patty & Rusty Duke and Ray Howard both won $500 in Cash! Elizabeth Barnett and Roger Moody each won $250 in Cash!

Josh

Once again … Congratulations to each and every one of you! 14

INSIDE AmeriPlan ®

August / September 2007

3

WHAT DO YOU THINK OF YOUR NEW PRODUCTS?

FROM THE DESK OF DERRIC FARRUYA Is your Managing General Representative producing income for you? Wouldn’t you like to have one that is?

We are extremely excited about the July introduction of our new discount program lineup!

Forty-seven million people in the United States do not have health insurance. Many of those people are working and either did not have employee health benefits offered to them or they simply checked “Decline” because they could not afford them. Many others simply could not qualify because of ongoing health issues or pre-existing conditions.

While we have had the best Dental, Vision, Prescription and Chiropractic Program pretty much since our inception and an incredible Physicians, Ancillary Services and Hospital Advocacy Program for the past two years, we have gotten even better.

The AmeriPlan® MGR program was designed to target these individuals via the insurance industry.

certainly make it worth your time and effort. Go to your back office and locate the MGR agreement, rules and regulations. Remember, we pay that agency a full 30% life-time residual commission for their effort. They do not have to pay us a monthly business fee, nor do they have to pay for their materials, and websites come with no charge as well.

Derric Farruya National Marketing Director MGR Program & Group Benefits

First of all, every program is now full household only. Since more than 90% of the plans sold were household, we have chosen to eliminate the individual plan. Next, we changed the commission on the Health Program to match that of the Dental, and all programs now carry a full 30% commission rate. And the most exciting thing is that you now have four fantastic programs to choose from. You can meet the needs of your clients in even more ways that ever before.

Need more information?

Yes, we make it as easy as possible for the insurance agent to sell our program benefits.

Contact me by phone:

469-229-4023 or by email:

So why not get your MGR involved? Your overrides on their production

[email protected]

“We saved big with the health!! I was in the hospital ICU for two weeks and a regular room for one day. The bill was $14,958. We called the Patient Advocacy Program and faxed them two forms. The bill was discounted down to $950.00, and we were put on a $50.26 monthly payment plan. Now is that awesome or what? We saved tremendously. Thank you AmeriPlan®”

Debbie had pneumonia 3 months ago in February. After 5 days in the hospital all is okay now. They prescribed several medications & antibiotics in which without AmeriPlan’s card would have cost us over $300; yet we only paid a total of $184.16. She is still taking only one now that costs $22 retail, but we only pay $15.38.

P. Susan & Gary S.

Mark & Debbie

Thank You AmeriPlan USA! You Did It Right

We start with Dental Plus, which consists of Dental, Vision, Prescription and Chiropractic at only $19.95 per month with a $20.00 registration fee. Then we have Basic Health, which consists of Physician, Ancillary Services, Hospital Advocacy and NurseLine, for only $29.95 per month, with a $30.00 registration fee. If you wish to combine the features of these two programs, you have Total Health, and that runs $39.95 a month with a $30.00 registration fee. And

NEW “PAID-AS” RULE ENHANCEMENTS Who Benefits? Effective September 1, 2007, this new enhancement to the paid-as rule applies to any IBO who is eligible for Builders Bonus overrides. Example 1:

New Rule Part 1: If in any month (beginning September 1, 2007), an SRSD or higher, achieves Personal Sales Group Monthly Revenue (PSGMR) in excess of the amount required to earn a Builders Bonus commensurate with his/her pin level, the excess amount is “carried over” and may be used to meet the requirement the following month. Excess amounts may only be carried over one month forward, as shown in Example 1.

New Rule Part 2: When excess PSGMR is carried over to the following month, the excess is ALWAYS applied FIRST to that month’s requirement. 4

Pin Level

Monthly PSGMR Requirement

Sept.‘07 Actual PSGMR

Carry-Over for Oct.‘07

NSD

$250

$400

$150

finally, the best value in a comprehensive money-saving benefits program, is Total Health Plus. In this one great program, you can offer all of the benefits of Total Health, PLUS a full service Auto Club with a $50.00 sign and drive emergency roadside service, along with many other great features. You also get an unbelievable legal discount program with one-hour free consultations with an attorney on any number of instances and a 25% discount on legal services, not to mention online legal forms and research. And last but not least, is a comprehensive Identity Theft Protection Program with both preincident education and preparation and post-incident support and resolution. All of this for only $59.95 per month, plus a $30.00 registration fee. For more information and detailed description of the new NON-Medical programs, check into IBO Support. Keep your eye on future issues for more details. Make sure that you have plenty of NEW Brochures/Applications and DVDs on hand for the new programs. You can’t make money if you don’t enroll new members and you can’t enroll new members if you don’t have the tools. Websites reflect the new programs and pricing.

Example 2: Pin Level

Monthly PSGMR Requirement

Sept.‘07 Actual

Carry-Over for Oct.‘07

NEW Oct.‘07 PSGMR

Carry-Over for Nov.‘07

NSD

$250

$450

$200

$150

$100

In Example 2, the NSD achieves $450 in PSGMR in September. Therefore, $200 in excess PSGMR is carried over and counts toward the $250 PSGMR requirement for October. During October, the NSD submits $150 in NEW PSGMR. The $200 carry-over from September is applied FIRST

toward the requirement. An additional $50 of the NEW PSGMR is added so that the NSD meets the Builders Bonus requirement for October. The excess PSGMR of $100 is carried over to count toward November’s requirement.

INSIDE AmeriPlan ®

“I will try my best to make a long story short. AFTER my aunt was diagnosed with Renal Cell Carcinoma she took out the family medical plan with AmeriPlan®. She already had insurance through her husband's job. When the first hospital diagnosed her with a stomach virus and sent her home she was diagnosed & treated at another hospital. After she received the bill, she found out that her insurance would only pay 50% because the treating hospital was not "in network.” Her total (after insurance) was $18,000. Tony from AmeriPlan contacted Peggy, and set up a conference with himself, Peggy, and her insurance. He worked with her insurance and the hospital for a while. When he got back in touch with Peggy, he had WONDERFUL news!! Her insurance had agreed to pay 80% for the surgery, treatment and for a year of procedures and treatments after that. What happened to the rest of her bill? It was completely written off!! Instead of owing $18,000, thanks to AmeriPlan®, Peggy now owes $0!!! How great is that?!?!?!”

I’m psyched about the AmeriSight program.

Kathy P.

Kelly

August / September 2007

My husband just had laser surgery 2 weeks ago … we paid $4K CASH for it. I have an appointment scheduled with his doctor on October 30th (WHICH I’M CANCELLING!!!!) I just spoke to the AmeriSight people. The guy was SOOOOO nice … (Link was his name) I'm going to a doctor closer to home for $950 / eye … ! SAME EXACT SERVICE. Now this is a great thing! One more great thing … I thought I needed to sign up for the medical plan for this but am told I don't have to (I don't need the medical). THANKS GUYS … This program is AMAZINGGGGG!!!!

13

IBO BENEFITS

FROM THE DESK OF JULIA BAKER

It is inevitably true that we sometimes lose sight of the forest for the trees!

Mid-Year Barometer Still High for Healthcare Costs

There is no place that this appears to be more truthful than in adoption by the field of some of our incredible IBO benefits. So much is happening around AmeriPlan® most of the time that it seems that some of us do not really pay attention to what value is at our finger tips. Such is the case with the incredible IBO benefits that are available for you every day. These often taken for granted high value benefits are worth your attention. You may not need each of them right now, but somewhere down the line you will find that you can save a great deal of money with very little effort. Julia Baker Sr. Vice President Provider Relations

Here they are, once again, along with a simple explanation. Look this list over; you’ll never know when you may need them! For complete descriptions and to get access to these great benefits, log on to www.ameriplausa.com/ibo 1-800-FLOWERS Surprise your loved ones with a special delivery of plants, flowers, gourmet gift baskets, candy, New York style cheesecake, Lenox China and much more!

Accidental Death & Dismemberment Insurance Program Every AmeriPlan® Independent Business Owner will receive at NO additional cost, Accidental Death & Dismemberment Insurance. The amount of your coverage will vary according to your length of time with AmeriPlan®, your Pin Level, your achievement of President's and Founders' Clubs and age.

Alliance Credit Counseling Are you frustrated because no matter what you do financially, it always turns out wrong? Alliance can help. And for being an AmeriPlan® IBO, they will waive the standard $75.00 set-up fee

AmeriCreditSaver.com You can shop and save money while earning AmeriCredits toward your purchases on the AmeriPlan® Sales Aid Store. Everything you purchase through AmeriCreditSaver.com website will earn you AmeriCredits from AmeriPlan through the vendors supporting this site. The more you shop, the more AmeriCredits you will receive.

AmeriPlan Freedom Pass PLUS™ Receive discounts on hotels, golf courses, recreational facilities, ski & condo resorts, dining at thousands of restaurants (from fast food to fine dining) travel packages, movies and more.

Auto World Cutting edge, online vehicle information and pricing guide on new and used cars, years 1985-current. Check service bulletins and recall notices, read road tests and find out what the experts have to say.

Auto World Part & Accessories Purchase after-market vehicle parts and accessories at a 20% discount. They carry mostly everything you would want for your car or SUV. Search by manufacturer or part description. Search for last month's 30 top selling automobiles and much more.

Dell Computers With the Affiliated Purchase Program you can buy selected top quality Dell computers and peripherals at special discounted pricing.

Dependable Auto Shippers The nation’s premier vehicle carriers will transport your vehicle worldwide, using satellite-tracked transporters. Members receive a $25.00 discount off of the listed rates.

12

Frames Direct 40318440

This online optical service provides our members discounts over and above their standard discounts. They offer the best names in the business, Ray Ban, Serengeti and Balle, just to name a few.

Free Conference Calling Get free conference calling with our instant, automated, simple to use, and always TOTALLY FREE conference calling service. (You are only responsible for your normal long distance charges.)

“The first time I used Ameriplan Health™, I visited the doctor with two office visits, two x-rays,

Inphonic Wireless Services Get the best wireless rates anywhere. Carriers include AT&T, Cingular, Verizon, Nextel, T-Mobile and more. They also offer a free phone (after rebate) and free accessories with each activation. They carry phones from Nokia, Motorola, SonyEricsson, Panasonic and others.

Internet Services Widest selection of Broadband Internet services, DSL, High-Speed Cable, Satellite. Compare options and prices.

a fluoroscopy and an ultrasound. My bill would have been $802, I paid $324, a savings of $478.” Randy P.

Office Depot Discounts on office supplies, furniture and business accessories. You can now make your purchases three different ways; Order online, by phone or shop in the store.

NoteFix Get expert help with all major laptop brands. They will typically diagnose and repair your laptop within 5 business days and in most cases charge a one-time, flat rate price.

Sprint On new or existing service receive a 15% discount on eligible recurring monthly charges with a 2-year PCS Advantage Agreement.

Talk AmeriPlan Get your unlimited local and long distance communications package for only $24.99 per month/per line. The plan includes web account management, voicemail, call forwarding, caller ID, caller ID block, contact management, 3-way conference calling and many more features. All you need is a broadband Internet connection to access this powerful tool.

Keep watch for the Monthly Deals! Special sale items will be posted regularly on your IBO Support site!

INSIDE AmeriPlan ®

What do retirees, employees, employers and healthcare providers have in common? The rising costs in healthcare and healthcare benefits are profoundly affecting the way people are delivering and receiving health care. Employers are no longer providing the level of benefits they once offered; retirees (most on fixed incomes) are seeing 9 to 11.2 percent increases in healthcare rates; employees’ salary increases do not match the increase in healthcare benefit costs; and providers face the task of balancing a staff and patients, while working within a patient’s benefits structure. While healthcare costs are projected to increase approximately 11 percent in the next 12 months, we are reminded that this, although still in double digits, is a decline from the 2001 projection of 15.6 percent. Unfortunately, there does not appear to be a lowering of the number of Americans without healthcare benefits … in fact, that number is around 47 million. These are the middle-incomers that do not qualify for state aid benefits, but find they

PROVIDER RELATIONS AmeriPlan Health is Proprietary in 8 States! ®

With over 30,000 proprietary medical providers nationwide, AmeriPlan® is quickly converting many of the states over to the proprietary medical provider network only. Up until September, 2007, AmeriPlan Health® was proprietary only in the states of California, Arizona, Nevada, Arkansas, Indiana, Maine and Louisiana. During the month of September, the states of Texas, Florida, Oklahoma and Georgia will be emerging as proprietary states for AmeriPlan Health®. Only in some selected rural zip codes will the leased medical network still be utilized until such time as the Provider Relations team can contract a Primary Care August / September 2007

Physician to service those zip codes. What impact will this conversion have on our membership? In the above states, we will have a viable and reliable network of medical providers. Our members will continue to call the AmeriPlan Health® customer service number before their first appointment, but the response time will be quicker and more efficient since the customer service representative will be contacting a provider directly contracted with AmeriPlan®. This will enable our members to have greater confidence and ultimately greater satisfaction in their access to healthcare.

can’t afford the high cost of healthcare insurance benefits. In fact, according to the latest Census Income Report*, there has been a significant increase among families with incomes of $75,000 or more that fall into the noninsured group.

So, what is the answer? AmeriPlan provides several healthcare programs that are affordable to the employers, employees, retirees and the self-employed. Additionally, these programs are attractive to the healthcare providers as they are designed for immediate payment at the time services are rendered. AmeriPlan offers a full range of healthcare services that supply our members with ways to save money on their dental needs, medical care, diabetic supplies, lab services, prescriptions and many other healthcare costs. Healthcare costs are continuing to rise, but AmeriPlan is committed to providing an alternative to those who are uninsured. * Census Income Report, August 2007

Eligibility for Hospital Patient Advocacy When a member joins AmeriPlan Health® they may not have immediate access to all medical services, including the Patient Advocacy Program. Although a 30day waiting period is customary with health insurance plans, AmeriPlan Health® does not have this requirement. However, a processing period of 3 days is required on all medical applications to access the Patient Advocacy Program.

5

TOP PRODUCER TRIP 2007

Quebec ~ A Little Bit of Europe, Close to Home If you want to visit Europe, but don’t want to cross the Atlantic, where do you go? The answer is Quebec, Canada. AmeriPlan’s top producers enjoyed five glorious days this past August roaming the narrow cobblestone streets of one of North America’s oldest and most beautiful cities.

Executive Sales Directors

Nestled near the mighty St. Lawrence River, Quebec City is charming and picturesque; its European architecture and old-world atmosphere served as an ideal backdrop to AmeriPlan’s Top Producer Trip 2007. Situated in the heart of the old city, our top producers were housed at the luxurious Fairmont Le Chateau Frontenac.

Trip Highlights: AmeriPlan’s guests were treated to a fabulous welcome reception and dinner. Live gypsy jazz, great food and a visit from Samuel de Champlain, the city’s founder (played by actor “Stephan”) highlighted the evening.

Shalonda Hooker – TX

Kristie Wooten – FL

Senior Regional Sales Directors

The next day, the group divided into teams for an exciting photo rally. Each team had to locate landmarks throughout the old city and take a picture of the team at each location. Judging was based on finding the correct landmarks and the creativity of the photographs. Needless to say, our top achievers

Ray & Chanel Blackmore – TX Walid Bounenni - MI Michelle Gillyard - NY Aline Houston – TX

submitted some amazing pictures! Cash prizes were awarded to the winning team, and the pictures….well, they were confiscated by the Canadian authorities! Congratulations to the winning team:

Fatima & Orlando Epson (Captains) Dennis & Karen Morstad Mary & Ed Taschner Brenda Viel & Paul Milano The top producers enjoyed a host of activities on the trip. Several intrepid souls went on a breathtaking whitewater rafting excursion. We are happy to report that search parties rescued all participants safely, although one person who shall remain nameless was arrested for heeding the call of nature from a rock in the middle of the river! Among those who braved the frigid waters were Joe & Carol Garvey, Becky & Kelly Blacka, Frank & Cheryl Jarvis, Kelly & Garrett Fuller, Johnny & Tammy Hayes, Valerie & John Duncan and Brad & Stasha Murray. The slightly less adventurous took a walking tour of Quebec City, among them were Jerome & Debra Scott, Bill & SunAe Simms, Janie & Michael Jones and Kathleen Strooband. Others

All in all, the 2007 Top Producer Trip was a spectacular award for our achievers. As one top producer put it,

6

Bernice Walker – MI

INSIDE AmeriPlan ®

Pamela Jackson - TX Hillari Shaw - CA Amy Sun - AZ Wendy Wheeler - NC

Regional Sales Directors Michelle Jackson - FL Likeysha James - TX Verita Alcime - FL Mona Jones - TX Judy Anderson - OH Andrea Joyner - NY Ahmed Apozaid - MI Jennifer Kavanagh - IL Sun Im Bae – VA Young Kim - VA John Billups - CA Sydney Larsen - WA David & Elaine Blidberg - FL Michael & Regina Leveston Sr - MI Deborah Brant - NC Christine Lindaas - IN Anthony Brown - NJ Jerry & Sabrina Lindsey - LA Leigh Ann Caraballo - CA Anthony Malone - NJ Ginny Carlisle - TX Mark & Lizbeth Cowan - OK Herbert Matthews - KS Tammy Maughon - GA Patricia Cox - VA Tracy McGuire - CO Katonya Cox - VA Alicia Montanez - AZ Heather Croft - GA Linda Moran - FL Theresa Croft - GA Hauly Moua - MN John Davis - GA William Myers - FL Nicole Dillon - AZ Anita Ortiz - TX Alvin Douglas - TX William Oxenreider - PA Scott Dupre - TN Joanne Parker - GA Hazel Fitzpatrick - MI Dori Parriott - CO Dwight Ganaway - MO David Paul - TX Sharon Gantt - NY Althea Pearson - CT Allan Grogan - IN Simone Phillips - NY Randie Harrison - NY Diane Popovski - NY Pamela Isaac - FL Roberta Raisanen - TX Dearris Jackson - TX

August / September 2007

Bernice Rivers - NJ Tomas Rodriguez - OK Nikki Rogers - TX Cassandra Sampson - TX Shaunda Sims - OK Betty Smith - TX Shirley & Dexter Solomon - GA Sandra & Ricardo Spraglin - LA Angela Stein - TX Vester Stevens - PA Malcom Sutton - MS Pearline Tate - GA Marsha Thomas - FL Clarence Thompkins - CO Imogene Todd - GA Evelyn Tooker - CO Debra Tornetta - TX Kathryn Wartel - TX Carol Watson - MI Stephanie Weddington - TX Donna Whitaker - NM Dani White - NC Laverne & Frank White - TX Sandi Wilson - TX Albert Wilson Jr - OH

Top Markets 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Dallas Atlanta Houston Detroit Denver Los Angeles Orlando Tampa Washington DC Fort Worth

Top 10 IBOs Sponsoring IBOs 1. 2. 3. 4. 4. 4. 4. 4. 5. 6. 6. 6. 6.

Reginald Stinson - TN Yvette Rendon - NV Lowell & Wendy Farmer - VA Danielle Browning - CA Tisha Corcoran - TX Jennifer & David Horton – VA Rebecca Lomis-Stephan Rick & Gail Weitl - CA Laura Camisa - NY Amy & Eliot Letts - FL Teresa Price - TX Kim Schilt - NY Tiffany Wright - MO

Top 10 IBOs Sponsoring Members 1. 2. 3. 4. 5. 6. 6. 6. 7. 7.

Bill Bertha - CO Arnold & Diane Gonzalez - TX Ryan Perrenoud - CA Sarah Brooks - MO Jack Higgins - KS Matt Kaluza & Sandra Cheng - CA Jim Martinez - CO Dennis Morstad - MN Steven Burnett – FL Valerie & John Duncan - OH

11

enjoyed a lunch cruise on the St. Lawrence River. Among those participating were James & Tammy Beach, Jennifer & David Horton, Jim & Evelyn Martinez, Sallie Streck, Myasha Smith, Lowell Farmer and Diane Gonzalez. Still others explored the Island of Orleans, where they saw the works of local artists and visited a blacksmith shop, a vineyard and a maple syrup harvesting operation. Some of those participating were Brian Wright, Lowell & Donna Anderson, Aaron Price and Sandra Seely.

National Sales Director

It is difficult to describe the elegance of the farewell reception and dinner. Held in the Chateau Frontenac’s fabulous Salle de Ballroom with its magnificent antique chandeliers, this crowning event featured a feast worthy of the most discriminating epicurean. After dinner, a dance band played hits from the 60’s to the 90’s and gave our achievers a chance to work off a few calories!

Carol Cameron - NY

Executive Sales Directors Debbi Carroll - NC

For members of AmeriPlan’s Top 10, the fun was just beginning. After bidding farewell to the rest of the group, the Top 10 headed north to the Fairmont Le Manoir Richelieu in La Malbaie, Quebec, Canada. Along the way were stops at breathtaking Montmorency Falls, the St. Anne de Beaupre Basilica and Baie St-Paul.

Torianno Johnson - VA

Top Markets 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Dallas Atlanta Houston Denver Detroit Orlando Fort Worth Newark Los Angeles Tampa

Top 10 IBOs Sponsoring IBOs 1. 2. 2. 3. 4. 5. 6. 7. 8. 8.

Tisha Corcoran - TX Amy & Eliot Letts - FL James Beach - TX Tomas Rodriguez - OK Melvin Crawley - VA Tim & Renee Leclercq - NC Kim Schilt - NY Sallie Streck - FL Regina & Andrew Morris - TX Christina Wiler - IN

Top 10 IBOs Sponsoring Members 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 10.

10

Bill Bertha - CO Arthur Bryden - CA Arnold & Diane Gonzalez - TX Dennis Morstad - MN Jim Martinez - CO Marta Bullitt - TX Sarah Brooks - MO Jack Higgins - KS Matt Kaluza & Sandra Cheng - CA Mya & Rawlin Trent - TX Susan Schneider - NJ

Janette & Luther Hill, Jr.-TN

Norma Hill - NJ

Barbara Stanislaus - NJ

The Top 10 received a red carpet welcome at the Manoir Richelieu, noted as one of the finest resorts in Canada, with tremendous views of the St. Lawrence. That night, everyone enjoyed dinner and dancing at the Bootlegger, an old house (complete with secret compartments) used by purveyors of illegal spirits during prohibition.

Irene Stevens - TN

Senior Regional Sales Directors Michael & Synthia Fells - AL Patrick Goshet - NY Shalonda Hooker - TX

Golf and “on-your-own” leisure activities highlighted the second day. The farewell dinner was an event to remember. The Point Cardinal Restaurant sits near the first tee of one of the most scenic and spectacular golf courses in Canada. The Top 10 enjoyed grilled shrimp, sea bass and veal while taking in the most gorgeous of sunsets.

Regional Sales Directors Debra Akers - TX Ted Alexa - GA Robert Britt II - GA Candice Brown - NY Michelle Brown - NJ Willie Browning - TX Marta Bullitt - TX Albert & Patricia Burks - IL Wendy Cohen - OH Robert Davis - TX Donna Depaolo - NY Terrie Dias - MD Queen Downing - GA Teresa Dunn - NC Pierre Exantus - TX Shawnetta Farewell - MD Sophronia Fells - AL Lorena Figueroa - FL Kelly Fraley - OH Jeanne Fuller - AZ Rosetta Graham - IL Vanessa Greene - MD Tracy Hanna - SC

Lionel Harbin - AL Chad Holloway - FL Nancy Hughes - TN Denise Hunt - MO Renate Hutchison - GA Chaz Inez - OK Pamela Jenkins - TX Deborah Krug - TX Christine Lee - NC Leah Lee - MI Ramsey Lewis - SC Jenniferann Loobie - NJ Roselyn Marshall - NJ Artemus McClary - FL Janice Minniefield - TX Betty Mitchell - NC Annie Nelson - TN Darryl Nobles - NC Anthony Parker - FL Tiffiany Pender - LA Joanne Perdue - FL Luis Ramirez - TX Larry Reed - TX Aparecida Ribeiro - NY Sharon Rutledge - MO

Juliette Saget - FL John & Phyllis Scott Sr - TX Veronica Shanklin - IL Gian Shaw - CA Elvis Sibblies - NY Cheryl Smith - MD Corrine Statia Brown - NJ Maria Stiger - TX Donna & Jack Stubblefield - TX Stefanie Stucki - UT Theresa Surgick - NY Sonya Thompson - NY Joyce Tim - FL Janie Tucker - OH Victoria VanBuren - MI Stacie Walker - TX Monica Walker - MI Letia Waples - MD Colvin Welcome - NJ Mary Williams - GA Roselia Williams - FL Woodrow & Sylvia Wills - FL Myra Wooten - NJ Tiffany Wright - MO

INSIDE AmeriPlan ®

40442861

“AmeriPlan® has outdone itself yet again. I never want to miss one of the company trips!”

August / September 2007

7

Around Christmas of 1996, John Hayes, then an Oklahoma City independent contractor, picked up an AmeriPlan® brochure while eating out. “I didn’t have a plan for my family,” he remembers. “My questions were, ‘How quickly can I use it,’ and ‘What’s the contract period.’ The answers were right away, and no contract period. I used the plan immediately, and in the first month I saved $200 on a trip to the dentist. The money my son saved off of one prescription drug paid for my membership.” Accordingly, John began spreading the word about AmeriPlan® even before he became an IBO. He contacted John Ray, who signed him up, and requested more brochures for his warm market. Then it hit him. “I asked him, ‘Are you making any money with that dental plan?’” So began John’s 10-year odyssey with AmeriPlan®. Early in 1997, he went to the regional office for training. “What stuck with me was a plaque on the wall that said ‘First National Sales Director in Oklahoma City.’ I said, ‘I want to save you some trouble. Go ahead and take that plaque off the wall and put my name on it.’ I was going to become the first Oklahoma City National Sales Director, no matter how hard I had to work. Only 11 months later, my name was on that plaque.” In 1999, John met and married Tammy, who rapidly caught the vision. When she was seeing the checks come in the mail, all the time, she really started to understand what residual income was. “What motivated me,” she explains, “I could see how it was not just changing our lives, but was a legacy to our entire family. My motivation is our family - what we’re going to be able to leave for our children and grandchildren for many, many years to come.” Naturally, it wasn’t always easy: “My biggest challenge was talking on the phone when people would call, especially when I first got started. I didn’t know if I could answer their questions. I just kept doing it until I didn’t feel uncomfortable anymore. The more I did it, the more I realized it wasn’t so bad.”

8

INSIDE AmeriPlan ®

August / September 2007

Throughout this period, John was getting what he calls an “education on wheels,” remembering an early admonition to the effect that his check would only grow as his personal development library did. This helped him get over his own biggest hurdle – closing. “I didn’t want to come off as pushy,” John says. As he gradually learned, however, “there’s a difference between pushy and professional. Pushy people will go on and on and on. They don’t know the reasons why their prospect needs their product. A professional will listen, ask questions, and find needs and desires. Without those things you have no principle behind asking the prospect to join you.” This lesson served John and Tammy well when they confronted the challenge represented by the group market. “When we go into the groups,” Tammy says, “we’re looking at letting the employer know how this product will help them keep morale up, retain employees, and cut expenses. Sometimes they can no longer afford the high insurance premiums.” At the 2007 Convention, John and Tammy were announced as AmeriPlan’s twelfth National Vice Presidents. While honored and thrilled to reach this level, they feel it by no means represents the ultimate accomplishment available to an IBO. In addition to increasing their residual income, Tammy says their current goals are “working closely with a few key people who want to hit that $100,000. That’s what we want to see – them achieving their dreams.” John quickly adds “We believe in the concept of `pay it forward.’ In the movie of that name, a young boy was asked the question, ‘What would you do to change the world?’ His concept was to do something for three people that they couldn’t do for themselves, but also to ask each of them to pay it forward to three other people. If we make $100,000, we want to help other people to do that. That duplication will make it happen for a lot of other people.”

9

Around Christmas of 1996, John Hayes, then an Oklahoma City independent contractor, picked up an AmeriPlan® brochure while eating out. “I didn’t have a plan for my family,” he remembers. “My questions were, ‘How quickly can I use it,’ and ‘What’s the contract period.’ The answers were right away, and no contract period. I used the plan immediately, and in the first month I saved $200 on a trip to the dentist. The money my son saved off of one prescription drug paid for my membership.” Accordingly, John began spreading the word about AmeriPlan® even before he became an IBO. He contacted John Ray, who signed him up, and requested more brochures for his warm market. Then it hit him. “I asked him, ‘Are you making any money with that dental plan?’” So began John’s 10-year odyssey with AmeriPlan®. Early in 1997, he went to the regional office for training. “What stuck with me was a plaque on the wall that said ‘First National Sales Director in Oklahoma City.’ I said, ‘I want to save you some trouble. Go ahead and take that plaque off the wall and put my name on it.’ I was going to become the first Oklahoma City National Sales Director, no matter how hard I had to work. Only 11 months later, my name was on that plaque.” In 1999, John met and married Tammy, who rapidly caught the vision. When she was seeing the checks come in the mail, all the time, she really started to understand what residual income was. “What motivated me,” she explains, “I could see how it was not just changing our lives, but was a legacy to our entire family. My motivation is our family - what we’re going to be able to leave for our children and grandchildren for many, many years to come.” Naturally, it wasn’t always easy: “My biggest challenge was talking on the phone when people would call, especially when I first got started. I didn’t know if I could answer their questions. I just kept doing it until I didn’t feel uncomfortable anymore. The more I did it, the more I realized it wasn’t so bad.”

8

INSIDE AmeriPlan ®

August / September 2007

Throughout this period, John was getting what he calls an “education on wheels,” remembering an early admonition to the effect that his check would only grow as his personal development library did. This helped him get over his own biggest hurdle – closing. “I didn’t want to come off as pushy,” John says. As he gradually learned, however, “there’s a difference between pushy and professional. Pushy people will go on and on and on. They don’t know the reasons why their prospect needs their product. A professional will listen, ask questions, and find needs and desires. Without those things you have no principle behind asking the prospect to join you.” This lesson served John and Tammy well when they confronted the challenge represented by the group market. “When we go into the groups,” Tammy says, “we’re looking at letting the employer know how this product will help them keep morale up, retain employees, and cut expenses. Sometimes they can no longer afford the high insurance premiums.” At the 2007 Convention, John and Tammy were announced as AmeriPlan’s twelfth National Vice Presidents. While honored and thrilled to reach this level, they feel it by no means represents the ultimate accomplishment available to an IBO. In addition to increasing their residual income, Tammy says their current goals are “working closely with a few key people who want to hit that $100,000. That’s what we want to see – them achieving their dreams.” John quickly adds “We believe in the concept of `pay it forward.’ In the movie of that name, a young boy was asked the question, ‘What would you do to change the world?’ His concept was to do something for three people that they couldn’t do for themselves, but also to ask each of them to pay it forward to three other people. If we make $100,000, we want to help other people to do that. That duplication will make it happen for a lot of other people.”

9

enjoyed a lunch cruise on the St. Lawrence River. Among those participating were James & Tammy Beach, Jennifer & David Horton, Jim & Evelyn Martinez, Sallie Streck, Myasha Smith, Lowell Farmer and Diane Gonzalez. Still others explored the Island of Orleans, where they saw the works of local artists and visited a blacksmith shop, a vineyard and a maple syrup harvesting operation. Some of those participating were Brian Wright, Lowell & Donna Anderson, Aaron Price and Sandra Seely.

National Sales Director

It is difficult to describe the elegance of the farewell reception and dinner. Held in the Chateau Frontenac’s fabulous Salle de Ballroom with its magnificent antique chandeliers, this crowning event featured a feast worthy of the most discriminating epicurean. After dinner, a dance band played hits from the 60’s to the 90’s and gave our achievers a chance to work off a few calories!

Carol Cameron - NY

Executive Sales Directors Debbi Carroll - NC

For members of AmeriPlan’s Top 10, the fun was just beginning. After bidding farewell to the rest of the group, the Top 10 headed north to the Fairmont Le Manoir Richelieu in La Malbaie, Quebec, Canada. Along the way were stops at breathtaking Montmorency Falls, the St. Anne de Beaupre Basilica and Baie St-Paul.

Torianno Johnson - VA

Top Markets 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Dallas Atlanta Houston Denver Detroit Orlando Fort Worth Newark Los Angeles Tampa

Top 10 IBOs Sponsoring IBOs 1. 2. 2. 3. 4. 5. 6. 7. 8. 8.

Tisha Corcoran - TX Amy & Eliot Letts - FL James Beach - TX Tomas Rodriguez - OK Melvin Crawley - VA Tim & Renee Leclercq - NC Kim Schilt - NY Sallie Streck - FL Regina & Andrew Morris - TX Christina Wiler - IN

Top 10 IBOs Sponsoring Members 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 10.

10

Bill Bertha - CO Arthur Bryden - CA Arnold & Diane Gonzalez - TX Dennis Morstad - MN Jim Martinez - CO Marta Bullitt - TX Sarah Brooks - MO Jack Higgins - KS Matt Kaluza & Sandra Cheng - CA Mya & Rawlin Trent - TX Susan Schneider - NJ

Janette & Luther Hill, Jr.-TN

Norma Hill - NJ

Barbara Stanislaus - NJ

The Top 10 received a red carpet welcome at the Manoir Richelieu, noted as one of the finest resorts in Canada, with tremendous views of the St. Lawrence. That night, everyone enjoyed dinner and dancing at the Bootlegger, an old house (complete with secret compartments) used by purveyors of illegal spirits during prohibition.

Irene Stevens - TN

Senior Regional Sales Directors Michael & Synthia Fells - AL Patrick Goshet - NY Shalonda Hooker - TX

Golf and “on-your-own” leisure activities highlighted the second day. The farewell dinner was an event to remember. The Point Cardinal Restaurant sits near the first tee of one of the most scenic and spectacular golf courses in Canada. The Top 10 enjoyed grilled shrimp, sea bass and veal while taking in the most gorgeous of sunsets.

Regional Sales Directors Debra Akers - TX Ted Alexa - GA Robert Britt II - GA Candice Brown - NY Michelle Brown - NJ Willie Browning - TX Marta Bullitt - TX Albert & Patricia Burks - IL Wendy Cohen - OH Robert Davis - TX Donna Depaolo - NY Terrie Dias - MD Queen Downing - GA Teresa Dunn - NC Pierre Exantus - TX Shawnetta Farewell - MD Sophronia Fells - AL Lorena Figueroa - FL Kelly Fraley - OH Jeanne Fuller - AZ Rosetta Graham - IL Vanessa Greene - MD Tracy Hanna - SC

Lionel Harbin - AL Chad Holloway - FL Nancy Hughes - TN Denise Hunt - MO Renate Hutchison - GA Chaz Inez - OK Pamela Jenkins - TX Deborah Krug - TX Christine Lee - NC Leah Lee - MI Ramsey Lewis - SC Jenniferann Loobie - NJ Roselyn Marshall - NJ Artemus McClary - FL Janice Minniefield - TX Betty Mitchell - NC Annie Nelson - TN Darryl Nobles - NC Anthony Parker - FL Tiffiany Pender - LA Joanne Perdue - FL Luis Ramirez - TX Larry Reed - TX Aparecida Ribeiro - NY Sharon Rutledge - MO

Juliette Saget - FL John & Phyllis Scott Sr - TX Veronica Shanklin - IL Gian Shaw - CA Elvis Sibblies - NY Cheryl Smith - MD Corrine Statia Brown - NJ Maria Stiger - TX Donna & Jack Stubblefield - TX Stefanie Stucki - UT Theresa Surgick - NY Sonya Thompson - NY Joyce Tim - FL Janie Tucker - OH Victoria VanBuren - MI Stacie Walker - TX Monica Walker - MI Letia Waples - MD Colvin Welcome - NJ Mary Williams - GA Roselia Williams - FL Woodrow & Sylvia Wills - FL Myra Wooten - NJ Tiffany Wright - MO

INSIDE AmeriPlan ®

40442861

“AmeriPlan® has outdone itself yet again. I never want to miss one of the company trips!”

August / September 2007

7

TOP PRODUCER TRIP 2007

Quebec ~ A Little Bit of Europe, Close to Home If you want to visit Europe, but don’t want to cross the Atlantic, where do you go? The answer is Quebec, Canada. AmeriPlan’s top producers enjoyed five glorious days this past August roaming the narrow cobblestone streets of one of North America’s oldest and most beautiful cities.

Executive Sales Directors

Nestled near the mighty St. Lawrence River, Quebec City is charming and picturesque; its European architecture and old-world atmosphere served as an ideal backdrop to AmeriPlan’s Top Producer Trip 2007. Situated in the heart of the old city, our top producers were housed at the luxurious Fairmont Le Chateau Frontenac.

Trip Highlights: AmeriPlan’s guests were treated to a fabulous welcome reception and dinner. Live gypsy jazz, great food and a visit from Samuel de Champlain, the city’s founder (played by actor “Stephan”) highlighted the evening.

Shalonda Hooker – TX

Kristie Wooten – FL

Senior Regional Sales Directors

The next day, the group divided into teams for an exciting photo rally. Each team had to locate landmarks throughout the old city and take a picture of the team at each location. Judging was based on finding the correct landmarks and the creativity of the photographs. Needless to say, our top achievers

Ray & Chanel Blackmore – TX Walid Bounenni - MI Michelle Gillyard - NY Aline Houston – TX

submitted some amazing pictures! Cash prizes were awarded to the winning team, and the pictures….well, they were confiscated by the Canadian authorities! Congratulations to the winning team:

Fatima & Orlando Epson (Captains) Dennis & Karen Morstad Mary & Ed Taschner Brenda Viel & Paul Milano The top producers enjoyed a host of activities on the trip. Several intrepid souls went on a breathtaking whitewater rafting excursion. We are happy to report that search parties rescued all participants safely, although one person who shall remain nameless was arrested for heeding the call of nature from a rock in the middle of the river! Among those who braved the frigid waters were Joe & Carol Garvey, Becky & Kelly Blacka, Frank & Cheryl Jarvis, Kelly & Garrett Fuller, Johnny & Tammy Hayes, Valerie & John Duncan and Brad & Stasha Murray. The slightly less adventurous took a walking tour of Quebec City, among them were Jerome & Debra Scott, Bill & SunAe Simms, Janie & Michael Jones and Kathleen Strooband. Others

All in all, the 2007 Top Producer Trip was a spectacular award for our achievers. As one top producer put it,

6

Bernice Walker – MI

INSIDE AmeriPlan ®

Pamela Jackson - TX Hillari Shaw - CA Amy Sun - AZ Wendy Wheeler - NC

Regional Sales Directors Michelle Jackson - FL Likeysha James - TX Verita Alcime - FL Mona Jones - TX Judy Anderson - OH Andrea Joyner - NY Ahmed Apozaid - MI Jennifer Kavanagh - IL Sun Im Bae – VA Young Kim - VA John Billups - CA Sydney Larsen - WA David & Elaine Blidberg - FL Michael & Regina Leveston Sr - MI Deborah Brant - NC Christine Lindaas - IN Anthony Brown - NJ Jerry & Sabrina Lindsey - LA Leigh Ann Caraballo - CA Anthony Malone - NJ Ginny Carlisle - TX Mark & Lizbeth Cowan - OK Herbert Matthews - KS Tammy Maughon - GA Patricia Cox - VA Tracy McGuire - CO Katonya Cox - VA Alicia Montanez - AZ Heather Croft - GA Linda Moran - FL Theresa Croft - GA Hauly Moua - MN John Davis - GA William Myers - FL Nicole Dillon - AZ Anita Ortiz - TX Alvin Douglas - TX William Oxenreider - PA Scott Dupre - TN Joanne Parker - GA Hazel Fitzpatrick - MI Dori Parriott - CO Dwight Ganaway - MO David Paul - TX Sharon Gantt - NY Althea Pearson - CT Allan Grogan - IN Simone Phillips - NY Randie Harrison - NY Diane Popovski - NY Pamela Isaac - FL Roberta Raisanen - TX Dearris Jackson - TX

August / September 2007

Bernice Rivers - NJ Tomas Rodriguez - OK Nikki Rogers - TX Cassandra Sampson - TX Shaunda Sims - OK Betty Smith - TX Shirley & Dexter Solomon - GA Sandra & Ricardo Spraglin - LA Angela Stein - TX Vester Stevens - PA Malcom Sutton - MS Pearline Tate - GA Marsha Thomas - FL Clarence Thompkins - CO Imogene Todd - GA Evelyn Tooker - CO Debra Tornetta - TX Kathryn Wartel - TX Carol Watson - MI Stephanie Weddington - TX Donna Whitaker - NM Dani White - NC Laverne & Frank White - TX Sandi Wilson - TX Albert Wilson Jr - OH

Top Markets 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Dallas Atlanta Houston Detroit Denver Los Angeles Orlando Tampa Washington DC Fort Worth

Top 10 IBOs Sponsoring IBOs 1. 2. 3. 4. 4. 4. 4. 4. 5. 6. 6. 6. 6.

Reginald Stinson - TN Yvette Rendon - NV Lowell & Wendy Farmer - VA Danielle Browning - CA Tisha Corcoran - TX Jennifer & David Horton – VA Rebecca Lomis-Stephan Rick & Gail Weitl - CA Laura Camisa - NY Amy & Eliot Letts - FL Teresa Price - TX Kim Schilt - NY Tiffany Wright - MO

Top 10 IBOs Sponsoring Members 1. 2. 3. 4. 5. 6. 6. 6. 7. 7.

Bill Bertha - CO Arnold & Diane Gonzalez - TX Ryan Perrenoud - CA Sarah Brooks - MO Jack Higgins - KS Matt Kaluza & Sandra Cheng - CA Jim Martinez - CO Dennis Morstad - MN Steven Burnett – FL Valerie & John Duncan - OH

11

IBO BENEFITS

FROM THE DESK OF JULIA BAKER

It is inevitably true that we sometimes lose sight of the forest for the trees!

Mid-Year Barometer Still High for Healthcare Costs

There is no place that this appears to be more truthful than in adoption by the field of some of our incredible IBO benefits. So much is happening around AmeriPlan® most of the time that it seems that some of us do not really pay attention to what value is at our finger tips. Such is the case with the incredible IBO benefits that are available for you every day. These often taken for granted high value benefits are worth your attention. You may not need each of them right now, but somewhere down the line you will find that you can save a great deal of money with very little effort. Julia Baker Sr. Vice President Provider Relations

Here they are, once again, along with a simple explanation. Look this list over; you’ll never know when you may need them! For complete descriptions and to get access to these great benefits, log on to www.ameriplausa.com/ibo 1-800-FLOWERS Surprise your loved ones with a special delivery of plants, flowers, gourmet gift baskets, candy, New York style cheesecake, Lenox China and much more!

Accidental Death & Dismemberment Insurance Program Every AmeriPlan® Independent Business Owner will receive at NO additional cost, Accidental Death & Dismemberment Insurance. The amount of your coverage will vary according to your length of time with AmeriPlan®, your Pin Level, your achievement of President's and Founders' Clubs and age.

Alliance Credit Counseling Are you frustrated because no matter what you do financially, it always turns out wrong? Alliance can help. And for being an AmeriPlan® IBO, they will waive the standard $75.00 set-up fee

AmeriCreditSaver.com You can shop and save money while earning AmeriCredits toward your purchases on the AmeriPlan® Sales Aid Store. Everything you purchase through AmeriCreditSaver.com website will earn you AmeriCredits from AmeriPlan through the vendors supporting this site. The more you shop, the more AmeriCredits you will receive.

AmeriPlan Freedom Pass PLUS™ Receive discounts on hotels, golf courses, recreational facilities, ski & condo resorts, dining at thousands of restaurants (from fast food to fine dining) travel packages, movies and more.

Auto World Cutting edge, online vehicle information and pricing guide on new and used cars, years 1985-current. Check service bulletins and recall notices, read road tests and find out what the experts have to say.

Auto World Part & Accessories Purchase after-market vehicle parts and accessories at a 20% discount. They carry mostly everything you would want for your car or SUV. Search by manufacturer or part description. Search for last month's 30 top selling automobiles and much more.

Dell Computers With the Affiliated Purchase Program you can buy selected top quality Dell computers and peripherals at special discounted pricing.

Dependable Auto Shippers The nation’s premier vehicle carriers will transport your vehicle worldwide, using satellite-tracked transporters. Members receive a $25.00 discount off of the listed rates.

12

Frames Direct 40318440

This online optical service provides our members discounts over and above their standard discounts. They offer the best names in the business, Ray Ban, Serengeti and Balle, just to name a few.

Free Conference Calling Get free conference calling with our instant, automated, simple to use, and always TOTALLY FREE conference calling service. (You are only responsible for your normal long distance charges.)

“The first time I used Ameriplan Health™, I visited the doctor with two office visits, two x-rays,

Inphonic Wireless Services Get the best wireless rates anywhere. Carriers include AT&T, Cingular, Verizon, Nextel, T-Mobile and more. They also offer a free phone (after rebate) and free accessories with each activation. They carry phones from Nokia, Motorola, SonyEricsson, Panasonic and others.

Internet Services Widest selection of Broadband Internet services, DSL, High-Speed Cable, Satellite. Compare options and prices.

a fluoroscopy and an ultrasound. My bill would have been $802, I paid $324, a savings of $478.” Randy P.

Office Depot Discounts on office supplies, furniture and business accessories. You can now make your purchases three different ways; Order online, by phone or shop in the store.

NoteFix Get expert help with all major laptop brands. They will typically diagnose and repair your laptop within 5 business days and in most cases charge a one-time, flat rate price.

Sprint On new or existing service receive a 15% discount on eligible recurring monthly charges with a 2-year PCS Advantage Agreement.

Talk AmeriPlan Get your unlimited local and long distance communications package for only $24.99 per month/per line. The plan includes web account management, voicemail, call forwarding, caller ID, caller ID block, contact management, 3-way conference calling and many more features. All you need is a broadband Internet connection to access this powerful tool.

Keep watch for the Monthly Deals! Special sale items will be posted regularly on your IBO Support site!

INSIDE AmeriPlan ®

What do retirees, employees, employers and healthcare providers have in common? The rising costs in healthcare and healthcare benefits are profoundly affecting the way people are delivering and receiving health care. Employers are no longer providing the level of benefits they once offered; retirees (most on fixed incomes) are seeing 9 to 11.2 percent increases in healthcare rates; employees’ salary increases do not match the increase in healthcare benefit costs; and providers face the task of balancing a staff and patients, while working within a patient’s benefits structure. While healthcare costs are projected to increase approximately 11 percent in the next 12 months, we are reminded that this, although still in double digits, is a decline from the 2001 projection of 15.6 percent. Unfortunately, there does not appear to be a lowering of the number of Americans without healthcare benefits … in fact, that number is around 47 million. These are the middle-incomers that do not qualify for state aid benefits, but find they

PROVIDER RELATIONS AmeriPlan Health is Proprietary in 8 States! ®

With over 30,000 proprietary medical providers nationwide, AmeriPlan® is quickly converting many of the states over to the proprietary medical provider network only. Up until September, 2007, AmeriPlan Health® was proprietary only in the states of California, Arizona, Nevada, Arkansas, Indiana, Maine and Louisiana. During the month of September, the states of Texas, Florida, Oklahoma and Georgia will be emerging as proprietary states for AmeriPlan Health®. Only in some selected rural zip codes will the leased medical network still be utilized until such time as the Provider Relations team can contract a Primary Care August / September 2007

Physician to service those zip codes. What impact will this conversion have on our membership? In the above states, we will have a viable and reliable network of medical providers. Our members will continue to call the AmeriPlan Health® customer service number before their first appointment, but the response time will be quicker and more efficient since the customer service representative will be contacting a provider directly contracted with AmeriPlan®. This will enable our members to have greater confidence and ultimately greater satisfaction in their access to healthcare.

can’t afford the high cost of healthcare insurance benefits. In fact, according to the latest Census Income Report*, there has been a significant increase among families with incomes of $75,000 or more that fall into the noninsured group.

So, what is the answer? AmeriPlan provides several healthcare programs that are affordable to the employers, employees, retirees and the self-employed. Additionally, these programs are attractive to the healthcare providers as they are designed for immediate payment at the time services are rendered. AmeriPlan offers a full range of healthcare services that supply our members with ways to save money on their dental needs, medical care, diabetic supplies, lab services, prescriptions and many other healthcare costs. Healthcare costs are continuing to rise, but AmeriPlan is committed to providing an alternative to those who are uninsured. * Census Income Report, August 2007

Eligibility for Hospital Patient Advocacy When a member joins AmeriPlan Health® they may not have immediate access to all medical services, including the Patient Advocacy Program. Although a 30day waiting period is customary with health insurance plans, AmeriPlan Health® does not have this requirement. However, a processing period of 3 days is required on all medical applications to access the Patient Advocacy Program.

5

WHAT DO YOU THINK OF YOUR NEW PRODUCTS?

FROM THE DESK OF DERRIC FARRUYA Is your Managing General Representative producing income for you? Wouldn’t you like to have one that is?

We are extremely excited about the July introduction of our new discount program lineup!

Forty-seven million people in the United States do not have health insurance. Many of those people are working and either did not have employee health benefits offered to them or they simply checked “Decline” because they could not afford them. Many others simply could not qualify because of ongoing health issues or pre-existing conditions.

While we have had the best Dental, Vision, Prescription and Chiropractic Program pretty much since our inception and an incredible Physicians, Ancillary Services and Hospital Advocacy Program for the past two years, we have gotten even better.

The AmeriPlan® MGR program was designed to target these individuals via the insurance industry.

certainly make it worth your time and effort. Go to your back office and locate the MGR agreement, rules and regulations. Remember, we pay that agency a full 30% life-time residual commission for their effort. They do not have to pay us a monthly business fee, nor do they have to pay for their materials, and websites come with no charge as well.

Derric Farruya National Marketing Director MGR Program & Group Benefits

First of all, every program is now full household only. Since more than 90% of the plans sold were household, we have chosen to eliminate the individual plan. Next, we changed the commission on the Health Program to match that of the Dental, and all programs now carry a full 30% commission rate. And the most exciting thing is that you now have four fantastic programs to choose from. You can meet the needs of your clients in even more ways that ever before.

Need more information?

Yes, we make it as easy as possible for the insurance agent to sell our program benefits.

Contact me by phone:

469-229-4023 or by email:

So why not get your MGR involved? Your overrides on their production

[email protected]

“We saved big with the health!! I was in the hospital ICU for two weeks and a regular room for one day. The bill was $14,958. We called the Patient Advocacy Program and faxed them two forms. The bill was discounted down to $950.00, and we were put on a $50.26 monthly payment plan. Now is that awesome or what? We saved tremendously. Thank you AmeriPlan®”

Debbie had pneumonia 3 months ago in February. After 5 days in the hospital all is okay now. They prescribed several medications & antibiotics in which without AmeriPlan’s card would have cost us over $300; yet we only paid a total of $184.16. She is still taking only one now that costs $22 retail, but we only pay $15.38.

P. Susan & Gary S.

Mark & Debbie

Thank You AmeriPlan USA! You Did It Right

We start with Dental Plus, which consists of Dental, Vision, Prescription and Chiropractic at only $19.95 per month with a $20.00 registration fee. Then we have Basic Health, which consists of Physician, Ancillary Services, Hospital Advocacy and NurseLine, for only $29.95 per month, with a $30.00 registration fee. If you wish to combine the features of these two programs, you have Total Health, and that runs $39.95 a month with a $30.00 registration fee. And

NEW “PAID-AS” RULE ENHANCEMENTS Who Benefits? Effective September 1, 2007, this new enhancement to the paid-as rule applies to any IBO who is eligible for Builders Bonus overrides. Example 1:

New Rule Part 1: If in any month (beginning September 1, 2007), an SRSD or higher, achieves Personal Sales Group Monthly Revenue (PSGMR) in excess of the amount required to earn a Builders Bonus commensurate with his/her pin level, the excess amount is “carried over” and may be used to meet the requirement the following month. Excess amounts may only be carried over one month forward, as shown in Example 1.

New Rule Part 2: When excess PSGMR is carried over to the following month, the excess is ALWAYS applied FIRST to that month’s requirement. 4

Pin Level

Monthly PSGMR Requirement

Sept.‘07 Actual PSGMR

Carry-Over for Oct.‘07

NSD

$250

$400

$150

finally, the best value in a comprehensive money-saving benefits program, is Total Health Plus. In this one great program, you can offer all of the benefits of Total Health, PLUS a full service Auto Club with a $50.00 sign and drive emergency roadside service, along with many other great features. You also get an unbelievable legal discount program with one-hour free consultations with an attorney on any number of instances and a 25% discount on legal services, not to mention online legal forms and research. And last but not least, is a comprehensive Identity Theft Protection Program with both preincident education and preparation and post-incident support and resolution. All of this for only $59.95 per month, plus a $30.00 registration fee. For more information and detailed description of the new NON-Medical programs, check into IBO Support. Keep your eye on future issues for more details. Make sure that you have plenty of NEW Brochures/Applications and DVDs on hand for the new programs. You can’t make money if you don’t enroll new members and you can’t enroll new members if you don’t have the tools. Websites reflect the new programs and pricing.

Example 2: Pin Level

Monthly PSGMR Requirement

Sept.‘07 Actual

Carry-Over for Oct.‘07

NEW Oct.‘07 PSGMR

Carry-Over for Nov.‘07

NSD

$250

$450

$200

$150

$100

In Example 2, the NSD achieves $450 in PSGMR in September. Therefore, $200 in excess PSGMR is carried over and counts toward the $250 PSGMR requirement for October. During October, the NSD submits $150 in NEW PSGMR. The $200 carry-over from September is applied FIRST

toward the requirement. An additional $50 of the NEW PSGMR is added so that the NSD meets the Builders Bonus requirement for October. The excess PSGMR of $100 is carried over to count toward November’s requirement.

INSIDE AmeriPlan ®

“I will try my best to make a long story short. AFTER my aunt was diagnosed with Renal Cell Carcinoma she took out the family medical plan with AmeriPlan®. She already had insurance through her husband's job. When the first hospital diagnosed her with a stomach virus and sent her home she was diagnosed & treated at another hospital. After she received the bill, she found out that her insurance would only pay 50% because the treating hospital was not "in network.” Her total (after insurance) was $18,000. Tony from AmeriPlan contacted Peggy, and set up a conference with himself, Peggy, and her insurance. He worked with her insurance and the hospital for a while. When he got back in touch with Peggy, he had WONDERFUL news!! Her insurance had agreed to pay 80% for the surgery, treatment and for a year of procedures and treatments after that. What happened to the rest of her bill? It was completely written off!! Instead of owing $18,000, thanks to AmeriPlan®, Peggy now owes $0!!! How great is that?!?!?!”

I’m psyched about the AmeriSight program.

Kathy P.

Kelly

August / September 2007

My husband just had laser surgery 2 weeks ago … we paid $4K CASH for it. I have an appointment scheduled with his doctor on October 30th (WHICH I’M CANCELLING!!!!) I just spoke to the AmeriSight people. The guy was SOOOOO nice … (Link was his name) I'm going to a doctor closer to home for $950 / eye … ! SAME EXACT SERVICE. Now this is a great thing! One more great thing … I thought I needed to sign up for the medical plan for this but am told I don't have to (I don't need the medical). THANKS GUYS … This program is AMAZINGGGGG!!!!

13

FROM THE DESK OF BRENT GOODWIN

CONTEST WINNERS And the most exciting thing ever… the $1.5 million Birthday Bash Drawing … WOW!

One doesn’t have to agree with every decision or policy … it’s how you choose to respond to it that counts. Not too long ago I read the book Gates of Fire by Steven Pressfield. It is about the Battle of Thermopylae, which took place in Greece in about 400 BC. In this historic battle, 300 Spartans faced an opposing force of Persians numbering in the hundreds of thousands. The future of democracy hung in the balance. At one point, the Spartan, Dianekes, was told by a fellow Greek that there were so many Persian archers, the sky would grow dark from their arrows. His reply? “So much the better, we shall fight them in the shade.” Facing 100,000 archers about to rain arrows on your head is no “Sunday picnic.” But the Spartans, rather than bemoaning their fate, chose to embrace the attitude of their leader Dianekes. Their heroic sacrifice at Thermopylae paved the way for the development of democracy in the West. Recently I spoke with an NSD who was concerned about one of the SRSDs in his organization. You see, the SRSD and his sales group hadn’t submitted enough new business that month to qualify for their Builders Bonus. The NSD went on to say that

In recognition of Dennis’ and Daniel’s 65th Birthdays, there were 65 big winners in this spectacular promotion. First of all, 60 lucky IBOs won $1,000 per month for twelve months!

this could adversely affect his entire organization. The whole group could lose focus. Negativity might reign, he felt. Not coincidentally, the NSD had consistently expressed his opposition to the company’s paid-as system. He wrote letters and e-mails to the company stating his dissatisfaction with the requirements in the strongest terms, and his team was aware of his feelings. My purpose here is not to criticize the NSD or his SRSD, for that matter. But in thinking about this article, I recalled something I once heard in a speech. “Adversity happens to everyone in life. It’s not the adversity itself that determines the eventual outcome; it’s how we respond to it that matters.” Things happen that we’re not going to like. We can either allow them to derail us, or use them to make us stronger and more determined than ever to reach our goals. Two points jump out at me. One, it is incumbent on leadership to respond to perceived adversity in a way that inspires others to not only overcome it, but to reach new heights. The NSD

… I was sketchy about getting this program…but, I will not EVER cancel it, even though I have insurance through my job. (What they call “great benefits” suck, and it should be a crime that we pay for it.) … I needed dental work done bad! I went to the dentist and had 3 extractions - 2 were wisdom teeth. COUNT THEM - 3, for only $450, that’s it! I'm even going back for routine visits soon because I want a healthy smile. SO HERES WHERE I KNEW I LOVED AMERIPLAN - I had just gotten a horrible ear infection and went to the doctor…she prescribed 3 medications … I used my "GREAT INSURANCE" through my company. My medicine was $157.60 (shocking); my insurance barely paid

The 5th Place Grand Prize Winners - Clint & Linda Fullwood won $2,500 per month for 12 months 4th Place Grand Prize Winner - Dennis Morstad won $5,000 per month for 12 months 3rd Place Grand Prize Winners - Mya & Rawlin Trent won $10,000 per month for 12 months 2nd Place Grand Prize Winner - Yolanda Vazquez won $20,000 per month for 12 months Super Grand Prize Winners - Diane & Arnold Gonzalez won an incredible $30,000 per month for 12 months

Brent Goodwin Vice President of Sales & Marketing

I spoke with can’t expect his organization to remain positive and focused when he himself is mired in the quicksand of a negative attitude. That doesn’t mean that one has to agree with every decision or policy. But it’s how we respond to it that counts. Second, all of us must take individual responsibility for our own attitudes. Sure, things happen we don’t necessarily like. We can either allow them to divert us from our purpose, or we can leverage adversity into a stronger determination to grow and succeed.

The choice –

and it is a choice – is ours.

anything. I started thinking if AmeriPlan might have been better. I read my card and noticed it was for prescriptions as well. I went back to Walgreens and the cashier said, “Oh yeah, you would of saved a lot of money with this” She refunded me the $157.60 and re-rang it under AmeriPlan … It came out to $65.00! WOW - that made my day! Believe me, I am not one to sit at a computer and write testimonies but I will stand by the membership, It’s a great deal and the people are always there and they call back as soon as they can. This is going to sound dorky, but I LOVE YOU AMERIPLAN!!!!! Thanks

In total, that represents more than $1.5 million dollars in cash paid to our very special business partners …

Congratulations!

Mustang Sally? It could have been, but it wasn’t … it was Mustang “Nancy” … well, Nancy Layman that is! You may remember the exciting AmeriPlan Health® Promotion, “The Spring of Inspiration,” that was run before convention, with the Grand Prize being a brand new, red 2007 Ford Mustang convertible. The Grand Prize was drawn at the convention and awarded to Nancy Layman ~ from right here in Texas! In addition to Nancy winning the Mustang, the following IBOs won some great prizes also: Reginald Stinson won the Las Vegas Vacation for Two at the MGM Grand! Dennis Morstad won the 42” Vizion Plasma Flat Screen TV! Misty Bannister, Sarah Brooks and Sallie Streck each won $1,000 Cash! Patty & Rusty Duke and Ray Howard both won $500 in Cash! Elizabeth Barnett and Roger Moody each won $250 in Cash!

Josh

Once again … Congratulations to each and every one of you! 14

INSIDE AmeriPlan ®

August / September 2007

3

PARTNERS IN PROSPERITY! 1992 ~ 2007

NATIONAL SALES DIRECTOR TRAINING SCHOOL A Huge Success!

The AmeriPlan 2007 National Convention at the Anatole Hotel in Dallas, Texas was really one to remember! ®

First of all, it commemorated fifteen years of the incredible partnership between AmeriPlan® and its business partners, you the Independent Business Owners who make this business what it is.

Then, with more than 2,000 IBOs

Dale Calvert

registered, it was the largest event that we have ever had.

National Training Director Professional Speaker & Motivator

And last, but not least, in addition to many trophies, plaques, rings, watches and other valuable awards, there were trips, prizes, a 2007 Mustang and $1.5 million in cash

This convention was the introduction platform for several

awarded to our AmeriPlan Partners.

new AmeriPlan® discount programs that were received

®

new National Sales Directors and the New National Vice

end. There was electricity in the air with all of the great

Presidents being recognized for their outstanding

programs, workshops, speakers and panels creating

accomplishments. Let us not forget all of the other IBOs

excitement every minute. The attendees were fired up and

that have risen through the “Stairway to Success” on their

they loved what they heard. Once again it was clear that

way to the top. Each and every one of you deserve the

when it comes to business partners, you are the best.

success that you wish for.

that have recently promoted to SRSD, all expenses are paid; air fare, hotel, food, transportation and training. This is a proven “life-changing event” and it should not be missed. In addition to the valuable content that you will get from the NSDTC, you will get to tour corporate headquarters, meet corporate staff and network and build relationships with other SRSDs and leaders like yourself. We can’t stress strongly enough what this can mean to you, your life and your business.

The National Sales Directors Training School is conducted quarterly. Our last school was September 7th & 8th. The next one will be November 30th and December 1st. Please try to make it to these schools and encourage anyone that you can to attend. Attendance is open to any existing SRSD and above for only $75 ( you pay your own travel and accommodations.) For all IBOs

with great enthusiasm. It was incredibly moving to see the The tone of the Convention was upbeat from beginning to

If the results achieved and the comments received are any indicator, then we must consider the National Sales Director Training School a huge success. Those who have attended the past schools have been effusive in their praise of Dale Calvert and his down-home approach to successful network marketing. He is a professional in the field, an outstanding trainer and motivator, and most importantly, he has earned more than $3 million a year in network marketing. He has walked the walk and can talk the talk.

40349671

It was also very exciting for everyone to acknowledge the winners of the Top Market Awards, Rising Star Awards, ACE Awards, Business Builder Awards and the Spirit Award. You all are worthy of much credit for jobs well done.

ACE IBO Council 2007 1 Kathleen Strooband, FL 2 Sarah Brooks, MO 3 Sallie Streck, FL

ACE DVPC Member Council 2007 1 Arnold & Diane Gonzales, TX 2 Bill Bertha, CO 3 Jim Martinez, CO

ACE CDHC Member Council 2007 1 Arnold & Diane Gonzalez, TX 2 Keith Hartwig, TX 3 Jeff Johnson, CO

2

Top Market Awards 2007 Southeast Division - Atlanta, GA Northeast Division - Detroit, MI Western Division - Phoenix, AZ Central Division - Dallas, TX

Rising Star Awards 2007 Southeast Division Becky & Kelly Blacka Northeast Division Stephanie & Alan Turner Western Division Kelly Pira Central Division Patty & Rusty Duke

Business Builder Awards 2007 Becky & Kelly Blacka, SC Steven Miller, FL Lillian Bowman, NY Phil & Joy Scruggs, NC Dennis & Sandy Guest, TX Jennifer & David Horton, GA Kelly & Garrett Fuller, PA Paula & Don Robertson, TX Anita Houser, SC Eva Campbell, TX

7 CORE COMMITMENTS Every successful venture is built on a foundation of belief and commitment. Whether it is how you run your life or your business, a value system and plan of action will take you through the easy times, and more importantly, the tough times. The success that AmeriPlan® has realized over the past fifteen years is based on a strong culture of focused dedication to a series of core beliefs. We call them, the Seven Core Commitments. They

Spirit Award 2007 Kenny Watkins & Lorene Brown-Watkins, NJ

INSIDE AmeriPlan

®

August / September 2007

should become an important to AmeriPlan® business life as they have been for thousands of others in this great business. Rather than attempting to use this limited space to cover these important elements of your business, we invite you to visit: www.7corecommitments .com. On this site you will find these commitments explained. You will hear from the AmeriPlan® Founders as well

as many of the leaders from the field. You will also receive words of wisdom from AmeriPlan’s National Training Director, world-renowned trainer, speaker and motivator, Dale Calvert. Take the time to visit the site … explore the message and commit yourself to success, for yourself and your family. 40441663 15

FROM THE EDITOR’S DESK Welcome to the first issue of your new monthly newsletter!

Introducing ABO’s

MY COMMUNITY

Sorry that I can’t refer to it by name, but as you may know by now, it does not yet have a name. The naming of this publication is in your hands and we know that you will do a great job.

~ up to 100% Financing! (certain restrictions apply)

Purchases, Refinances & Investment Financing available ~ call me to discuss your scenario

Reverse Mortgages 100% Nationwide financing ~ with 620 score

Best Score Program ~ use the highest qualifying FICO of all

“Cash Out” your home equity

Barry Friedman, CFP Editor & Senior Vice President of Marketing & Business Development

applicants, regardless of income contribution percentage

40 & 50 year loans Nationwide Residential & Commercial loans

Commercial loans for apartments, mobile home parks, office, retail, hotel & self storage properties

No FICO score required ~ with 20% down

No Financing in New Jersey

Fixed Rate & ARM financing $0 Down purchasing

Sandra Mabry

Call Today!

Sr. Vice President, ABO Mortgage

[email protected]

469-229-4385

Fax: 469-229-4597 E-fax: 866-244-8628 TX Broker License #: 11064

THEY DESERVE YOUR SUPPORT!

EZMeds Contest! For every five eligible APAP applications that you submit which enroll in this great moneysaving program, you will receive a $125.00 bonus check. There is no limit to how many bonus checks you can receive! The contest runs from September 1, 2007, through December 28, 2007.

*As an AmeriP lan drugs are costing ® member, if your prescr iption AmeriPlan® has you more than $90 a mo nth . . . the solution!

Our plan offe

rs you

Unlimited FRE Prescriptions E

4Monthly service fee of only $82

4

.00 giving you instant sav ings! Access to over 1,100 name-bran d prescriptions No limit to the number of pre scriptions you take

4

4No age limits, health restrictio

ns or limitation of use No paperwork , other than com pleting our enrollment form at time of application

4

Check IBO Support for the details of the new EZMeds contest. You will find the complete details and a downloadable APAP Bonus Completion Form.

Regardless of your politics or your feelings about the war in Iraq, the brave young men and women who are putting their lives on the line everyday to protect our freedom and way of life deserve your support. Whether through donations to the many organizations that are doing such a great job of helping the troops and their families, or by giving some of your time to this great cause, your support is needed and appreciated. Most of all, please give the most important thing that you can … your prayers for the troops’ safe return.

Don’t miss out on this opportunity to get yourself some Holiday Cash! 16

We will be providing you with much information and many useful tools for success. You will see articles and features with useful day-to-day

I am looking forward to bringing this publication to you in a way that will reflect proudly on you and your team members. This is your publication and we want it to reflect that, so please be a part of it. Enjoy! Barry Friedman, CFP Editor

PRODUCT TESTIMONIALS Having been around AmeriPlan® for almost fifteen years, one of the things that impresses me more and more every day is the great savings that our members realize when they use any of our great benefits and providers. It does not matter what program you are in, if you and your members will utilize the benefits, the program will more than pay for itself many times over. From a personal perspective and with the DVPC program only, my family of five has saved more than $36,000 in the past fifteen years. With that as an introduction, we would like to let you know that you will be seeing actual product testimonials

INSIDE AmeriPlan ®

It is our intent to make this newsletter something that you will be proud of and will look forward to receiving each month. The range of content will be broad and it is our goal to see that each and every word will be of value to you in your life and your business. As you well know, AmeriPlan® is a very exciting business and it presents you with one of the greatest opportunities for financial success of any home-based business in America. There is, however, a great deal of information that you should have to assure your success and to make sure that you have the tools and resources at you finger tips to realize the maximum benefit from your efforts.

information. There will be tax tips, financial and health tips. In addition you will find many opportunity and product testimonials to help reinforce that you are in the right place at the right time with your AmeriPlan® business. We will also be having some fun with this publication. Each month you will find scattered throughout the newsletter small boxes with a series of numbers in them. These are active IBO numbers…if you should see your number in one of these boxes, contact your DSM for verification and we will send you $50.00 in Sales Aid Certificates (Bloom Bucks) that you can use for sales aids and tools.

August / September 2007

scattered throughout this publication. They are from members and IBOs and reflect just a small number of the testimonials that we receive. We would encourage you to submit any that you have from your own experience or that of your members. We really love sharing these wonderful examples of what great savings AmeriPlan® produces when you use the benefits. Thank you, The Editor

“On 6/26/07 I went to my personal physician for an examination. Shortly after the examination, medication was prescribed for me. I took the prescription to the pharmacy and they told me that it would cost $30.99. Once I presented my AmeriPlan® discount card my total due for the medication was only $5.16. I truly shouted for joy that I was able to save through the AmeriPlan® program.” Shanna P.

Submit your testimonials to [email protected] 40373296 1

CONTENTS Welcome 1

From the Editor’s Desk

2

Partners in Prosperity

4

From the Desk of Derric Farruya

Welcome!

New “Paid-As” Enhancements 5

From the Desk of Julia Baker Provider Relations

6

2007 TPT Highlights

8

Aug-Sept Spotlight

12

IBO Benefits

13

New Products

14

From the Desk of Brent Goodwin

15

National Sales Director Training School 7 Core Commitments

16

ABO Mortgage EZMeds Contest

17

“Super Star” Promotion

A monthly publication of AmeriPlan Corp. 5700 Democracy Drive, Plano Texas 75024 469-229-4500 ®

Publisher - Dennis Bloom, Board Chairman/CEO

It has been some time since we have had the opportunity to communicate to you through the monthly newsletter format. We are proud to introduce our new monthly publication that is intended to keep you better informed about many important items regarding the success of your AmeriPlan® business. You will see for yourselves what we have in mind as you read through this special August / September issue and the coming monthly issues that you will be receiving. As you go through this yet unnamed publication, you will see that inside will be the more familiar “Spotlight on the Stars” that you can remove and use when making presentations to new prospective IBOs. You will also find educational, motivational and inspirational articles and stories, as well as practical tips on finances, taxes and your health. We are firm believers in supporting those who wish to improve themselves and grow through knowledge. This publication is unnamed for this issue only because we are going to give you a chance to name it. That’s right; we are going to have a “name the newsletter” contest. If you wish to submit a name, please email your suggestion to: [email protected]. The winning name will be selected by a distinguished panel, and the winner will receive a new lap top computer or Apple iPhone … your choice. The winner will also be interviewed and will appear in a future issue of the newsletter bearing the winning name that they submitted.

Editor - Barry Friedman,CFP,Sr.VP Mtktg./Bus.Dev. Creative Director - Wilbert Bell Sr. Designer - Karen Spieler Contributing Writers Dennis Bloom, Board Chairman/CEO Barry Friedman, CFP, Sr.VP Mtktg./Bus.Dev. Brent Goodwin, VP Sales & Marketing Mark Dixon, Dir. Corp. Communications Editorial inquiries / reprints of articles and/or to submit articles, photos, or other information, please mail them to: Attn: Editor at AmeriPlan®, 5700 Democracy Drive, Plano, Texas 75024. Letters to the Editor: We welcome your comments and suggestions. We reserve the right to edit letters for grammar and length prior to publication. Please include your name and address with any correspondence.

©2007 AmeriPlan®. All rights reserved.

We hope that you enjoy and profit from this new AmeriPlan® publication. Don’t hesitate to communicate with the editor, Barry Friedman, with any suggestions or comments that you may have. We want this to be your publication and something that we can all be very proud of. Best of luck and good reading!

SuperStar RSD Achievement: ~ All NEW IBOs with received dates from Oct.1, ‘07 through Dec.27, ‘07 are eligible. ~ All IBOs who have reached the RSD or higher pin level as of Oct.1, ‘07 are NOT eligible. ~ All non-sales director IBOs whose received dates are prior to Oct.1, ‘07 will have until Oct.22, ‘07 to qualify for the 21-day award and until Oct.30, ‘07 to qualify for the 30-day award. ~ Only business received on or after Oct.1, ‘07 counts toward this promotion.

H An AmeriPlan® designer writing pen, AND 60 days after your RSD date, a $ 90 nonH For chargebackable SuperStar Bonus for every NEW IBO

Achieve RSD within 21 days of your received date* and earn:

H

you personally submit whose application is successfully processed, AND A gold SuperStar RSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 60-day period.

H An AmeriPlan® designer writing pen, AND 30 days after your RSD date, a $90 nonH For chargebackable SuperStar Bonus for every NEW IBO

Achieve RSD within 30 days of you received date* and earn:

H

you personally submit whose application is successfully processed, AND A silver SuperStar RSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 30-day period.

SuperStar SRSD Achievement: ~ Only IBOs who achieve RSD SuperStar status are eligible.

Achieve SRSD within 60 days of your RSD promotion date and earn: 60 days, a $90 H For non-chargebackable

H

SuperStar Bonus for every NEW IBO you personally submit whose application is successfully processed, AND A gold SuperStar SRSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 60-day period.

Achieve SRSD within 90 days of your RSD promotion date and earn: 30 days, a $90 non-chargebackable SuperStar H For Bonus for every NEW IBO you personally submit

H

whose application is successfully processed, AND A silver SuperStar SRSD lapel pin. Note: Residual Commissions ($15/mo.) will be paid as-earned on new IBOs submitted during the 30-day period.

* The “received date” is the date your IBO Agreement is received by AmeriPlan®. There will be a 5-business-day hold on all SuperStar Bonus checks to verify new business. All standard contest rules apply. Important: Any additional “bonus days” earned for achieving SuperStar SRSD status are added to those earned for achieving SuperStar RSD status..

Dennis Bloom

Daniel Bloom

Chief Executive Officer Chairman

Chief Operating Officer President

INSIDE AmeriPlan ®

August / September 2007

17

Mark your calenders to attend …

n Manager Todd Wilso Divisional Sales ®

AmeriPlan

Presents:

Two “Don't

Miss” Events

…

DFW A SpecialTr aining Leadershiping Meet

and !! TURDAY rt SUPER SA Dale Calve t Speaker: AmeriPlan Special Gues

®

g National Trainin

Director

SUPER !! SATURDAY

W A Special DF Training Leadership g tin ee M

SUPER ! Y A D SATUR

Vol. 7 Issue 1

ing. a Business Brief ns at 10am with t the Saturday begi to learn abou of GUESTS each Bring LOTS ortunity ~ and ® Business Opp day AmeriPlan an IBO that me beco to des guest that deci om Bucks! $100 in Blo Calvert, will receive on with Dale Training Sessi will begin A special IBO ing Director, National Train AmeriPlan’s at 1pm.

those designed for meeting is ners This special t Business Ow ® Independen m AmeriPlan the minimu have attained ) (IBOs) that s Director (RSD Regional Sale of l leve pin to make RSD so be sure ve or abo ~ nd! ting and atte mee the before

10:00AM 7 , AUG. 11,‘0 7:30PM10,‘07 SATURDAYNor t th Marriot . DFW

FRIDAY,

AUG.

114 Pkwy & Hwy 8440 Freeport s 75063 Irving, Texa

Center ional Training Dallas Reg #110 Road, Suite 5519 Arapaho s 75248 Dallas, Texa

929-8800 Hotel # 972-

Linda Rowden

AmeriPlan ® Division al

Presents:

Sales Manage r

Two “Don't

Miss” Even

A Special De ts … Leadership Tratroit Meeting ining and

SUPER SATU RDAY!! Special Guest

Speaker:

Dale Calvert

AmeriPlan ® Nationa l

A Special De Leadership Tratroit ining Meeting This special meet

ing is designed for those AmeriPlan ® Indep endent Business Owners (IBOs) that have attained the minim um pin level of Regio nal Sales Direc tor (RSD) or above so be sure to make ~ RSD before the meet ing and attend!

7:30

30 FRIDAY, SEPTPM . 14,‘07 Regional Train ing Center 17641 W. Twelv e Mile Rd. Lathrup Villag e, MI 48076

Training Director

SUPER SATURDAY!! Saturday begins at 10am with a Business Briefing. Bring LOTS of GUESTS to learn about the AmeriPlan® Busin ess Opportunity and each guest that decid es to become an ~ IBO that day will receive $100 in Bloom Buck s! A special IBO Traini ng Session with Dale Calvert, AmeriPlan’s Natio nal Training Direc tor, will begin at 1pm.

10:0

:00AM SATURDAY, SEPT . 15,‘07 The West in Southfield 1500 Town Cent er Southfield, MI 48075 Hotel # 248-8

27-4000

Linda Rowden

® l Sales Manager AmeriPlan Divisiona

” Events … Two “Don't Miss

Presents:

A Special NY/NJ g inin Leadership Tra Meeting ®

National Training

Director

ss Briefing. 10am with a Busine Saturday begins at the TS to learn about Bring LOTS of GUES and each ® ss Opportunity ~ AmeriPlan Busine that day IBO to become an guest that decides s!

those ng is designed for This special meeti Owners ® endent Business AmeriPlan Indep um attained the minim (IBOs) that have (RSD) or nal Sales Direct pin level of Regio RSD be sure to make or above ~ so ing and attend! before the meet

in Bloom Bucks!

will receive $100 Calvert, g Session with Dale A special IBO Trainin will begin al Training Director, AmeriPlan’s Nation at 1pm.

10:00AM

Holiday Inn 304 Route 22 West Springfield, NJ 07081

®

224 Livingston St.

Brooklyn, NY 11201

6-9400

Hotel # 973-37

Linda Rowden

Sales Manager

Presents:

Two “Don't Miss ” Events …

A Special Chicag Leadership Trainino g Meeting and

SUPER SATURD AY!! Special Guest Speake

r:

Dale Calvert Training Director

AmeriPlan® National

A Special Chica go Leadership Trainin g Meeting This special meeti

ng is designed for those AmeriPlan® Indep endent Business Owners (IBOs) that have attained the minim um pin level of Regio nal Sales Director (RSD) or above so be sure to make RSD ~ before the meeti ng and attend!

7:30PM

0PM FRIDAY, OCT. 5,‘07 AmeriPlan® Regio

Here are the current markets scheduled for a “Super Saturday.” Check on IBO Support “Events” and you can print out a PDF flyer. Keep your eye on the calendar for additional dates and watch your mail for announcement flyers.

10 29,‘07 SATURDAY, SEPT.field Spring

0PM

7:00 ,‘07 , SEPT.nal28 FRIDAYiPlan Office Regio

AmeriPlan® Divisional

is a Friday evening leadership meeting for Sales Directors. An AmeriPlan ® Divisional Sales Manager will host and provide recognition for the local leadership followed by a vital message presented to the Sales Directors by Dale Calvert. The “Super Saturday” event begins with a Business Briefing at 10:00am that is conducted by local leaders and the Divisional Sales Manager…followed by a “call to action” by Dale Calvert. $100 Bloom Bucks will be sent to each new IBO signed up at this event. From 1:00pm to 4:00pm, Dale will conduct an intensive successdriven, AmeriPlan ® specific, training program that you do not want to miss, if you have any desire to grow your business and find financial freedom.

SUPER SATURDAY!!

A Special NY/NJ g inin Leadership Tra Meeting

Amer

A decision has been made to see that the message that Dale is delivering should reach more people faster, and the “Super Saturday” was deemed to be the answer. Here is how the “Super Saturday” works: When the event comes to a market, there

and

AY!! SUPER SATURDDale Calvert r: Special Guest Speake AmeriPlan

These “don’t miss” events are being conducted by AmeriPlan® National Training Director and Worldwide Training and Motivation icon, Dale Calvert. Dale has been making a major impact on the success of many of our IBOs business through his presentation of the National Sales Director Training School. This school, held in Dallas for newly promoted Senior Regional Sales Directors, is making it’s mark on our business.

nal Office 100 E. Roosevelt, #15 Villa Park, IL 60181

SUPER SATURDAY!! Saturday begins at 10am with a Busine ss Briefing. Bring LOTS of GUES TS to learn about the AmeriPlan® Busine ss Opportunity and each ~ guest that decides to become an IBO that day will receive $100

in Bloom Buck

s! A special IBO Trainin g Session with Dale Calvert, AmeriPlan’s Nation al Training Directo r, will begin at 1pm.

DFW Detroit

August 10th & 11th September 14th & 15th

NY/NJ/PA Chicago Atlanta *Anaheim *Orlando *Phoenix

September 28th & 29th October 5th & 6th October 19th & 20th November 2nd & 3rd November 16th & 17th December 7th & 8th

completed and absolutely AWESOME!

*these dates are tentative, please check the events calendar on IBO Support for updates.

10:00

AM SATURDAY, OCT. 6,‘0 7 Marriott Chica go Midway 6520 S. Cicero Ave. Chicago, IL 60638 Hotel # 708-594-5500

Make it your business to attend one or more of these fantastic events. Bring or send your team and any prospects that you may have. Here is something that can change your life, if you let it!

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