More Opportunities.

More Rewards.

Are You Getting the

Most From Your Career?
Take a moment to consider if you’re getting the most
from your effort. Here is our challenge to you: you
simply cannot find another company that’s more
rewarding to do business with than AHCP. In this
brochure, we’ll show you why.

www.ameri-choice.com Discover the difference.

For Agent Information, Training, and Recruiting Only.
May not be reproduced or distributed without permission. AHCP-RB 1-07
 About Us:
AHCP (America’s Health Care/Rx Plan Agency)
distributes Health and Life products to individuals, the
self-employed, and small business owners.
AHCP agents can earn over $100,000 in their first year using
our competitive, comprehensive product line, FREE lead
program, and aggressive compensation plans (see page 6
for details).
Our benefits include:
• A Broad Selection of Top-Tier Products
• Competitive Pricing & Benefit Structures
• Best Commission and Bonus Plans in the Industry
• Free Lead Program (Never Cold Call Again!)
• Commission Advances Available
• Traditional Major Med., HSA, and Simplified-Issue Plans
• Free Product & Sales Training
• Responsive Telephone and Email Support
• App Submission via Fax, Mail, or the Internet
• Sales Contests and Trips to Exciting Destinations
Our management team has over 100 years of combined
experience in the health insurance industry – and our
success plan for our agents is second to none.
Take our challenge and discover the unique benefits
AHCP has to offer!

How To Join the AHCP Team

Take a Look:
Take your career to the next level and join the growing
community of agents who’ve found a rewarding and
fulfilling career with AHCP!
Call us today at 877-228-8773 or e-mail us at sales@ 1. Our 14-Point Challenge: How AHCP
ameri-choice.com to let us know that you’d like to join
Provides More Value than the Competition
our team.
We’ll answer any questions you have about our 2. Sell The Way You Want: How AHCP Gives You
program, and put you in contact with the Division Selling Flexibility
President that manages the area where you live.
3. Real Wealth Building: Why AHCP is #1 in
You can also visit us on the web at:
www.ameri-choice.com.
Agent Compensation

Don’t you owe it to yourself to make your agent

4. Our Focus On Agents: What We Do to
career the best it can be? Provide You With Exceptional Service
Call 877-228-8773 today and experience the 5. Profiles Of Success: Real Agents Talk About
AHCP difference! AHCP

America’s Health Care/Rx Plan Agency, Inc.

4929 West Royal Lane
Irving, Texas 75063
Phone: 877-228-8773
www.ameri-choice.com

Our 14-Point Challenge
How AHCP Provides More Value Than The Competition
Our goal is to make your life easier. We focus exclusively on the agent, and the fact that we work with multiple
highly-rated carriers means that we have more products available in more states for you to sell. But that’s just the
beginning. Take a look at our 14-Point Matrix and compare our benefits to the rest of the industry:
AHCP
1. Management Our senior executives have over 100 years of combined
sales and management experience in the healthcare
insurance industry. As a marketing company, our focus
is on you, the agent.
2. Carriers We license you quickly with multiple highly-rated car-
riers and provide a centralized means of support for all
of them. You get: more door openers, more cross-sell
options, and more client solutions.
3. Flexible App We give you the freedom to submit apps via mail, fax,
Submission or the Internet. The Internet option allows you to sell
over the phone.
4. Products We offer a wide array of products, including both tradi-
tional major medical, simplified issue medical, impaired
risk, and guaranteed issue and we design special pro-
prietary products available only through AHCP.
5. Pricing We partner with our carriers to ensure that you have
the most competitive rates possible.
6. Commissions We pay out competitive commissions, up to 8 month
advances (paid twice weekly), and we pay you fast – as
fast as every 24 hours via EFT.
7. Free Leads Our Free Lead program is based on providing you qual-
ity leads – so you don’t have to waste time prospecting
or cold calling.
8. Training We provide free product and sales training, taught by
our carrier partners.
9. Incentives We provide outstanding year-end bonuses for top
production, and many on-going perks and benefits for
our agents.
10. Agent Support We have a dedicated call center and management staff
of friendly, trained professionals to respond to your
needs.
11. Trips We treat our best producers to trips to fun destinations
such as Mexico and the Caribbean.
12. Electronic Our web-based platform provides you - quick submis-
Platform sion, quick issue, and online sales support.
13. Webinar We provide weekly web training seminars on our
Sales Training products, hosted by AHCP and our insurance partners,
to maximize your knowledge and efficiency
14. Telesales We provide the tools and submission process that you
need to sell telephonically - easily! Contact your lead,
submit your application, and follow up - all through
the ease and convenience of the telephone.
Other Companies
Does their management team have the industry expe-
rience to provide a stable, supportive
environment for agents? Are they looking out for you,
or are they more worried about their shareholders?
Working with a single carrier means fewer products
and fewer options. And dealing with multiple compa-
nies on your own is always a real hassle.
Most other companies can only accept apps via fax or
mail, limiting the ways that you can conduct business.
Are you loaded down with “me too” products? Do you
have enough plans to serve as many clients as you
can?
Who’s looking out for you at these companies?
Other companies can keep you waiting for up to two
weeks before you get your check!
Are you told to “go sell” but don’t know who to sell to?
Will they teach you the sales techniques you need to
really make money in this business? Will you receive
your training from a pro, or just a company rep?
What else are you getting besides just
commissions?
Are they servicing more than just agents? Do they
have a management staff that you can actually talk to?
When was the last time you were treated to a vacation
– at someone else’s expense?
Do other companies provide you the ease and conve-
nience of an electronic platform for your sales?
Will other companies teach you the product informa-
tion and application submission tips you need to make
your business more efficient?
Do other companies provide the tools you need to sell
to as many leads as possible, in a fast, efficient, and cost-
effective method?

Sell The Way You Want
How AHCP Gives You Selling Flexibility
At AHCP, we understand that each agent has his or her own style. That’s why we offer both Paper and Webtronic
app submission, each of which supports a different style and method of selling. Some agents prefer to exclusively
focus on one method or the other, and some like to use both methods.
Paper submission favors the traditional “face-to-face” sales process; you visit your clients directly, complete a paper
app and the client provides you with a “wet signature”. You then mail or fax in the completed app.
Webtronic submission is done via our website, www.ameri-choice.com. It is particularly useful for phone sales,
because you can call the client and walk them through the application on-line. After the application is complete, the
client approves it with an electronic signature and it is immediately sent to the insurance company for review.
Below are a few of the advantages of each method:

Choose the method that works for you (or use both!)
Paper App Submission Webtronic App Submission
Generate valuable additional leads by knocking on doors Take advantage of free AHCP leads to call or e-mail
and personally visiting small businesses. prospects in your resident and non-resident states.

Impress your clients with colorful, attractive brochures Serve busy clients by quickly taking their application
available through AHCP. over the phone and submitting it via the Internet.

Sell to clients that do not have a PC or Internet Save money on gas, food, and dry-cleaning bills by
connection. working from home or office.

Take advantage of local advertising and referrals to Double your sales calls by eliminating downtime and
promote your business. traveling time between clients.

Ideal For: Salespeople who enjoy meeting with clients Ideal For: Assertive, web-savvy salespeople who enjoy
and delivering a face-to-face presentation. selling over the phone.

How Does the Webtronic Sales Process Work?

For those of you interested in selling by phone, here’s a quick overview of how our Webtronic sales process works.
To be a Webtronic Sales Agent, you’ll need a phone, a PC, and an Internet connection. To get started, a Webtronic
Sales Agent usually relies on leads, which are available through AHCP at no cost through our Lead Credit Program.
As a Webtronic Sales Agent, you will typically communicate with your leads via e-mail and follow-up phone calls.
Once you have set an appointment time to call your client for the full presentation, arrange to have them waiting by
their phone with the AHCP website open on their PC.
Using the AHCP website as your sales tool (www.ameri-choice.com) you can instantly direct the client to any
information they need, create real-time quotes, and type in and submit their application immediately. It’s fast,
it’s easy, and it’s enjoyable! Best of all, it doesn’t matter where your client lives – so you can respond to leads from
anywhere you have a non-resident license.
For those agents who prefer this type of selling, our Webtronic process provides the advantages of reduced overhead
and increased productivity.
Not Sure Whether to Go Paper or Webtronic? Do Both!
There’s no reason you can’t use both approaches to meet your goals. In cases where your client is out of town, or a
personal visit cannot be arranged, you can use the Webtronic option. If your client is close enough for you to visit
personally, you can grab a paper app and some brochures and drive down to see them. With AHCP, either option is
available to you at any time!


Real Wealth Building
Why AHCP is #1 in Agent Compensation
We’re successful when our agents are successful – which is why AHCP has built a compensation and incentive
platform that’s unparalleled in the industry. From our generous commissions and advances to our bonuses, reward
programs, and vacation getaways, we know how to treat agents right! Here’s a summary of our current programs:

Advanced Commissions Reward programs

As a new sales representative, our Advance Commission AHCP offers its agents an exciting program to reward
program can give you the jump start you need to exceptional performance. Our “More Rewards” brochure
launch your career. You can receive up to an 8 month details our New Agent program and our ongoing agent
commission advance on issue for each Major Medical incentives.
insurance sale. That gives you a solid earnings base as
you begin your AHCP career. Sales Conventions/Trips
Each year we treat our best producers to a sales
Earned Commission Account convention to exciting destinations like Mexico,
You also receive a monthly check for Earned Orlando, Las Vegas, the Bahamas, or the Caribbean!
Commissions on renewal business beyond your advance, Qualifying agents win round-trip airfare for themselves
non-advanced sales, such as employee list bill sales, and and a guest. We also hold our annual AHCP Awards
other consumer programs offered to you by AHCP. Banquet at these trips, where we hand out recognition
awards!
Monthly Association Sales Commissions
Each month you receive commission for association
membership sales you’ve made. This is a great extra boost
to your income every three months!
Fast Payouts
We pay commissions fast – as fast as every week by
check, or twice a week by EFT. That means you have
money to spend when you need it!
“Cycle of Success”
Lead Credit Program
AHCP offers Vendor, Exclusive, and Telemarketed
Leads, available by State or County, and at a great price
– FREE when you use our Lead Credit Program! Here’s
how it works:
• First you submit a few apps. In fact, all you need is
1 or 2 to get things moving.
• For each eligible major medical app that is issued, we
credit you with $35 to spend on AHCP leads. That’s
real purchasing power in your pocket.
• You buy new leads and what happens? You get more
sales. With more sales you get more lead credits
– which allows you to buy even more leads – and the
cycle keeps going!
The net result: your production doubles and so does
your advance and earned income!


Sell More Products* Major Medical - Serve any client with many different plans available and
What makes AHCP numerous combinations of deductibles, copays, and coinsurance
agents so successful? It’s
simple: more carriers + HSA-Qualifed High-Deductible Major Medical
more products = more
Simplified Issue Hospital/Surgical Indemnity - for clients who cannot
opportunity!
qualify for or afford Major Medical
The chart to the right shows
the products we currently Critical Illness
offer. We’ll be adding even
more carriers and products Life Insurance
in the near future!
Short-Term Medical
*Not all carriers and/or products
are available in all states. 24-Hour Accident and Critical Illness
You must be contracted with
AHCP and licensed and appointed
with the individual carrier in order
to sell these products in any state.
Here is your earning potential with just 4 issued & placed AHCP sales a week!*
Your appointment is subject to
acceptance by the carrier. Year 1 Year 2 Year 3
Advance Commissions $90,096 $95,502 $101,232
Earn More Earned Commissions $3,604 $3,820 $4,049
Combine our extensive Renewal Commissions $0 $5,730 $6,074
product portfolio with our Association Commissions $4,050 $4,172 $4,297
competitive commissions, Other Products $2,500 $2,750 $3,000
and you have the recipe for
outstanding earning potential. Lead Credits $2,703 $2,865 $3,037
Agents can earn in excess of Total $102,953 $114,839 $121,689
$100,000 in their first year
– as demonstrated by the chart
to the right. *Assumptions for Agent Earnings Example:
Top agents will earn much
more – and can also receive all First Year & Renewal Year Senior Agent Level
of the extra benefits shown on Commission
the previous page.
Issued Major Medical 4 per week, $3,000 avg. annualized premium, 20% annual
Not a guarantee. Actual earnings of Policies lapse rate
sales representative will
depend on many factors, Advance Commissions 8-month advance on major medical sales
including the activity level of the
individual. Earned Commissions Earned commission on major medical sales (after advance
commission has paid through)
Association Association Commissions Based on Executive Plan association membership sales
Endorsements on 80% of major medical sales, with half of these mem-
berships also selecting the association’s Optional Benefit
Most of our products are sold package.
in conjunction with an
association membership, Other Products Commissions include simplified-issue indemnity plans, life
through associations including insurance, short-term medical, and other products avail-
USBenefit Plan, AmeriBenefit able through AHCP.
Plan, America’s Health Care
Consumer Association. These Lead Credits Based on $35 credited to the agent’s lead purchase account
are not-for-profit national per submitted major medical application, assuming a 65%
associations. AHCP and our placement ratio on the assumed issued policies.
sales agents receive commis-
Year 2 and Year 3 Assumes a 10% growth in advanced and earned commis-
sion compensation from these
sions as result of inflation on first-year premiums and/or
organizations for promoting
increased sales by the agent.
the association and selling
these products.

Our Focus On Agents
What We Do To Provide You With Exceptional Service
With AHCP by your side, you’re never alone. Whenever you need assistance or advice, our Agency Services team
and management staff are only a phone call or e-mail away. We also have a full array of services and resources to
help you succeed in your career, from product and sales training to our newsletters and marketing resources. Here’s a
snapshot of what we provide for agents:

AHCP Agency Services / 877-228-8773

AHCP Agency Services operates out of our Dallas Headquarters, where a staff of trained professionals is available
to serve you Monday-Friday from 8 a.m. to 4:45 p.m CST. Your call will be answered promptly by a “live” person,
ready and waiting to help you with:
• New Products
• Commission Inquiries
• Licensing Inquiries
• Web Navigation/Enrollment
• Leads
•. ..and more!
No matter what the inquiry, we can usually answer it right there on the phone, or we’ll get back to you quickly with
the information you need.
E-mail Support
In addition to phone support, AHCP also provides comprehensive e-mail support via the following e-mail addresses:
marketing@ameri-choice.com - for answers to your product and licensing-related questions.
problems@ameri-choice.com - for assistance with problems or concerns that you’re not sure where to direct.
suggestions@ameri-choice.com - to send us your feedback on how we can further improve the AHCP program.
Online Agent Resource Center
www.ameri-choice.com
Our online Agent Resource Center (ARC) provides you with a 24/7 resource for accessing marketing materials,
leads, rate information, applications, forms, policy guides, and more. The ARC also serves as a central resource that
links to all of our carrier home pages and administrative systems.
Training Conference Calls
We hold conference calls with our carriers to discuss product benefits, underwriting issues, sales tactics, and new
developments. All AHCP agents are welcome to participate in these calls and to ask questions. This is a great way
for agents to get up to speed quickly on our program. The schedule for these calls appears in our AHCP agent
newsletter - emailed to you weekly.
Weekly E-mail Newsletter
AHCP ties together all the important news and information agents need to know into one convenient newsletter –
e-mailed on a weekly basis. The newsletter includes company announcements, production reports, contest updates,
training schedules, and selling tips from our own management staff.


Profiles of Success
Real Agents Talk About AHCP
These are just a few of the many letters we receive from AHCP agents all over the country:

T he decision to join AHCP was rather easy. They

have put together an impressive opportunity
that provides good value to my clients and
handsome rewards for my wife and me.”
“I have enjoyed not having to drive 3,000 miles a
month for face-to-face sales and have faith in the
companies and products that we offer to our clients.”
“It’s nice to be home at night and enjoy the flexibility
this opportunity offers me and my family!”
- T. D., Thiensville, WI
I was ready to give up on the insurance industry
because I did not feel there was a product that I
wanted to offer to myself or my clients. I always felt
that if I found a product that I believed in myself, then I
could sell it.”
“In December of 2004, I was introduced to AHCP and
their line of products. I was excited to learn more about
the company. I made the move to AHCP and my sales
have been great. And I feel good when I leave the client
because I know they have a great plan and will be taken
care of. I owe thanks to my manager for introducing me
to AHCP and to their staff for their support, but most of

A HCP has put together an unbelievable system all to AHCP for a great product.”
and an awesome product line to go with it. The - J. B., Parkersburg, WV
online quote and application submission system
together with web conferencing and all the other tools

and support they provide is unlike anything I have ever
seen in the past 10 years of my sales experience.”
“I could go on and on about the programs and systems
of AHCP, but it is the people that I look forward to
working with in the future. I look forward to a long
and successful career with AHCP. I am excited about
the future of the agency and the direction in which it is
moving!”
- C. M., Valparaiso, IN
I
tend to be a product freak and study my competitors
closely. What we offer our clients through AHCP
pales that of other companies. As I have done for all
these years, I take the health care insurance package of
others very seriously!!! I am very proud of the products
we offer and I am sure that is apparent even over the
phone.”
- T. R., Springfield, OH

W hat I like best about AHCP is the helpful staff,

the comprehensive and competitive products,
and the ease of moving into management. It
would have taken me a few years to get into an override
position at my previous company. AHCP has made that
income level easy to attain. I am really excited about my
future with AHCP!”
- K. K., Rock Hill, SC
T he bottom-line for me is value. Value secures
clients for years to come. AHCP has a great value
offer. I have closed more deals in the past two
months than in my last six months with my previous
company. I have also not driven one mile, have not been
stood-up for an appointment and have clients I know
who will be on the books for years to come.”
- J. C., Pittsburgh, PA

For more information, call AHCP at

877-228-8773
or visit us on the web at:
www.ameri-choice.com.
NOTE: AHCP representatives are independent, contracted agents. AHCP agent services and incentive programs are
provided by and are the responsibility of AHCP and not the insurance carriers. Agent commission advance programs
vary from product to product and are subject to change. Commissions and sales incentives reflect current AHCP
programs as of the date of this brochure and are subject to change. Commission earnings examples shown are not a
guarantee. Insurance carrier financial ratings vary by company.