Your future starts here...

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2 Farm & Ranch Healthcare, Inc., representatives are presented with unlimited opportunities to earn advancement not only through high income and incentive awards, but also through growth in company leadership. When you become a part of the team and Ride for the Brand you can: Realize your desire for financial success. Be an important part of a team of professionals selling excellent insurance products. Take pride in your work and in the company you represent. Your future starts here....

incentive awards, but also through growth in company leadership.

3 Come Ride For The Brand!!! Thank you for showing interest in the tremendous income opportunity with Farm & Ranch Healthcare, Inc. We specialize in affordable, dependable coverage for America s uninsured and under-insured. For many years Farm & Ranch Healthcare, Inc., has been providing dependable, affordable Life and Health Insurance coverage for working American families. Values that stand the test of time create an exciting, longterm financial opportunity for our family of Farm & Ranch representatives. Farm & Ranch Healthcare, Inc., has opportunities available nationwide to earn a substantial income. Management and sales opportunities are available in the following states: Farm & Ranch Healthcare, Inc Camp Bowie West, Fort Worth, Texas

, has been providing dependable, affordable Life and Health Insurance coverage for working American families.

4 r Farm & Ranch Healthcare, Inc., is Proud to Represent Our Nation s Most Premier Carriers. United American Insurance Company (McKinney, Texas) United Investors Life United Investors Life Insurance Company (Birmingham, Alabama) Mutual of Omaha Insurance Company United of Omaha Life Insurance Company United World Life Insurance Company (Omaha, Nebraska) Assurant Health * (*Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company) (Milwaukee, Wisconsin) World Insurance Company (Omaha, Nebraska) American National Insurance Group (Galveston, Texas) USHealth Group (Fort Worth, Texas) Universal American Corporation Pyramid Life/American Progressive (Lake Mary, Florida) Imerica Life and Health Insurance Company (Englewood, Colorado) Plus... One Of The Most Unique Associations: Heartland Alliance of America (Chesterfield, Missouri) Heartland is an Association Not Insurance

5 r PRODUCT PORTFOLIO INCLUDES: Insurance Products Individual Major Medical Insurance Individual Hospital/Surgical Insurance Medicare Supplement Insurance Medicare Advantage Plans Medicare Disability Supplemental Insurance Long Term Care Insurance Critical Illness Coverage Specified Disease Policy Limited to Cover Cancer Disability Income Insurance Life Insurance - Final Expense Coverage Annuities These policies have some limitations and exclusions. Insurance plans and benefits may vary by state. Products are underwritten by United American Insurance Company, McKinney, Texas; Mutual of Omaha Insurance Company, Omaha, Nebraska; American National Life Insurance Company of Texas, Galveston, Texas; United Investors Life Insurance Company, Birmingham, Alabama; Assurant Health- group marketing name of Time Insurance Company, Milwaukee, Wisconsin, World Insurance Company, Omaha NE, UsHealth Insurance Company, Fort Worth, TX, American Progressive and Pyramid Insurance Companies, Lake Mary FL and Imerica Insurance Company, Englewood, CO. These agencies are private insurance companies which are not agencies of Social Security, Medicare, or any other governmental agency. Some plans not available in all states. r Heartland Alliance of America Association Access to Major National Provider Networks 24-hour Accident coverage up to $ 40, Prescription Savings Dental Care Savings Vision Savings 24-Hour Nurse Line Crisis Program Scholarship Programs Great Savings on Travel and Entertainment Programs Programs for Discount Shopping and Services for your Home Valuable Programs for Your Business...And Many MORE Money Saving Programs!!! Please note that this is not insurance, and Heartland does not make payments directly to service providers. You are obligated to pay for all healthcare services. This is a discount program, and discounts are available at participating providers. The program is administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX The program and its administrators are not responsible for providing service, nor do they guarantee the quality of service. For a list of participating providers, please call (800) , or visit or for: u PHCS hospitals, go to: u Beech Street, MedImpact, CAREINGTON Dental, EyeMed, HearPO, go to: u SavRX, go to: Heartland Alliance of America membership dues are totally refundable within 30 days of receipt of the membership Portfolio HEARTLAND ALLIANCE OF AMERICA IS AN ASSOCIATION NOT INSURANCE All programs not available in all states. Heartland complies with all Federal and State Regulations. Services are provided by a registered discount medical provider organization (DMPO) where required. The Association for Rural Americans

Annuities These policies have some limitations and exclusions. Insurance plans and benefits may vary by state.

6 r Free Training Farm & Ranch Healthcare, Inc., provides a complete training program including comprehensive classroom orientation with quality trainers and seasoned field veterans. In addition, we provide regional orientations and field training, utilizing a proven sales system that works! While you are waiting on your licensing or appointment process, take advantage of our unique Earn While You Learn Training Programs. Comprehensive Classroom Orientation Our Unique Training Program Begins Immediately!!! Field Training Start Learning Immediately Start Training Immediately Start Making $$$ Immediately Farm & Ranch Healthcare, Inc., offers a career opportunity with unlimited earning potential. Our proven sales system, combined with a quality lead program and excellent home office support, allows you the opportunity to make the substantial income you deserve. Many other Earn While You Learn options available.

While you are waiting on your licensing or appointment process, take advantage of our unique Earn While You Learn Training Programs.

7 r FREE LEADS We provide you quality leads from folks who have expressed an interest in our superior products. We utilize every available lead source to ensure your success including: Elite Lead Program Custom leads made especially for you. Telemarketing Every lead verified. Direct Mail Keeping our name and brand in the public eye. Website Potential clients visit our website daily. Trade Show Booths Internet Responses Radio / Television Advertising r POLICY OWNER SERVICE AND AGENT SERVICE We service while you sell. We provide service departments staffed with trained professionals to handle our representatives and clients individual service needs. Questions are answered with a quick, toll-free, telephone call. We are your partners in business. We help service your business so you keep the thousands of commission dollars often lost in other organizations. We provide these services while you spend your valuable time selling! We are here for you and your clients! Agent Services Underwriting questions, status, policy questions, premium quotes Conservation Paramed Orders (when required) Pending Application Follow-up Policy Owner Service Questions, status, changes, assistance on placing pending apps, etc.

8 r BRAND NAME RECOGNITION You will enjoy representing Farm & Ranch Healthcare, Inc. Affordable, Dependable Coverage for All Americans Nationwide r Official Corporate Sponsors r National Magazine Advertising r Trade Show Booth The Farm & Ranch Healthcare, Inc., Trade Show Booth is recognized at Association Conventions, Trade Shows, Farm Shows, Stock Shows, Senior Shows and many other events across the nation. I N C O R P O R A T E D Need Health Insurance? Call for a FREE Quote q COMPENSATION Farm & Ranch Healthcare, Inc., income opportunities are among the industry s highest!!! Advance Commissions on Submitted Business Monthly Earned Commission Residual Income Unbelievable Bonus Program!!! Management Opportunities Available Nationwide!!!

, Trade Show Booth is recognized at Association Conventions, Trade Shows, Farm Shows, Stock Shows, Senior Shows and many other events across the nation.

9 q INCENTIVES and BONU$E$ Rewards and vacations for you and your guest!!! Annual Conventions Incentive Trips Frequent Mini-Contests Lodge Trips Relaxing Resorts Indulgent Spas New York, Bermuda, Bahamas, Puerto Rico, Buenos Aires, and many other exotic locations!!! CASH Prizes!!!

Trips Relaxing Resorts Indulgent Spas New York, Bermuda, Bahamas,

10 Top 10 Reasons Top 10 Reasons Farm & Ranch Healthcare, Inc., is the Best Sales and Management Opportunity in the Nation Extensive Product Portfolio Top Rated National Insurance Companies provide you with an extensive portfolio of top-rated, premier carriers to help you meet the needs of the American public. Top Commissions Advance commissions on submitted business (most products). NEVER any Interest charged!!! Top Renewal Income Securing your future by building a monthly renewal income. Income Protection Unique residual account protects your weekly and renewal income. Top Bonus & Incentive Trip Programs Unparalleled product and production $$$ bonus program, Incentive award trips to exciting destinations. Free Leads The very best opportunities for sales!!! Elite Leads Custom made especially for you!!! Marketing Agreement with Heartland Alliance of America A unique combination of programs unlike any other association including an accident plan up to $40,000 per accident. Plus, many more tremendous programs. Qualified and Experienced Home Office Support You get paid residual income from business that stays... Customers that receive stellar service stay!!! Growth Opportunity Farm & Ranch Healthcare, Inc., is committed to helping you build your business. Financial Strength and Stability Farm & Ranch Healthcare, Inc., and the Insurance companies we proudly represent, have the financial ability to handle growth and expansion.

to help you meet the needs of the American public. Top Commissions Advance commissions on submitted business (most products). NEVER any Interest charged!

12 Farm & Ranch Healthcare, Inc Camp Bowie West Fort Worth, TX CA License #: CAOC01351

How To Get Insurance For Free In Florida

How To Get Insurance For Free In Florida The Texas A&M University System FY 2012 Voluntary Benefits 53523 (5/11) Seabury & Smith, Inc. 2011 Offered through Marsh Voluntary Benefits, a service of Seabury & Smith, Inc. AR Ins. Lic. #245544 CA Ins.