Cover - USA Benefits Group Review

USA Benefits Group Review

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are NOT affiliated with the USA Benefits Group. This is merely a review of their insurance sales and recruitment system along with our opinions. If you’re here hoping to get a hold of them, contact them directly at 800-589-1099

Are you thinking about a career selling insurance with the USA Benefits Group Agent Career?

Perhaps you’ve already got an interview lined up, but before you meet with anyone you’d like to find out more about the USA Benefits Group Agent Career.

Even if you haven’t taken your insurance license exam yet, if this describes you in any way, keep reading!

Today, my goal is to highlight some key points regarding a career with the USA Benefits Group as well as review their company as fairly as possible.

Let’s get started!

PS: Check out my insurance sales jobs reviews of other agencies for more information.

NOTE: Are you an aspiring or new insurance agent looking for more insight into how the insurance sales industry works? Check out my Free Insurance Agent Resource Guide.

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About USA Benefits Group

USA Benefits Group (USABG) was founded in 1988 in Dayton, Ohio. The company was established by Don Duryea, an insurance agent with over 30 years of experience in direct sales and marketing.

USA Benefits Group is a nationwide non-captive agency of licensed health and life insurance sales professionals. The company is headquartered in Vandalia, Ohio, and has two Florida locations in Fort Walton Beach and Panama City Beach.

Products Sold And Market Focus

USA Benefits Group provides an extensive range of insurance products including health and life insurance, annuities, Long Term Care, and other benefits.

They also offer senior products like Medicare Supplement and Medicare Advantage plans that help seniors pay for the expenses that are not covered under Medicare.

Their life insurance products include:

    • Term life insurance, designed to provide financial protection for a determined period of time.

    • Whole life insurance, a type of permanent life insurance that provides lifetime coverage and includes a cash value.

    • Universal life insurance, a type of permanent life insurance that provides lifetime coverage and flexible policies that allow policyholders to raise or lower their premium payment or coverage amounts.

USABG also offers final expense life insurance plans that help cover burial costs.

The company partners with top-rated national carriers, such as Philadelphian American, Manhattan Life, Mutual of Omaha, American National, HCSC, Molina Healthcare, Standard Life, and others.

USA Benefits Group serves individuals, small-business owners, and the self-employed, as well as senior citizens who are 65 years or older.

How Leads Work

USA Benefits Group provides its agents with the following types of leads:

    • Internet leads (filtered, proprietary, and uninsurable health leads)

    • Telemarketed leads (small businesses contacted by third-party vendors), and

    • Direct-dial leads where prospective clients are contacted through an automated service and directly transferred to the agent.

The company’s website indicates that they have negotiated discounted rates with the industry’s top lead companies in order to provide their agents with quality leads.

How Getting Paid Works

Like most insurance companies, USA Benefits Group doesn’t publish its commissions for agents. Most likely, you will be paid on a straight commission basis.

The company offers several educational resources and toolkits for the agents, including an ongoing training program.

The VIP Back Office Community gives access to:

    • reports,

    • carrier resources,

    • training calendar,

    • USABG library,

    • phone scripts,

    • sales presentations, and

    • other resources.

Agents are also provided individual USABG websites with carrier embedded links.

All of the company’s benefits are available for a $49.95 monthly administration fee.

Is It A Scam, MLM, Pyramid Scheme?


USA Benefits Group is not a scam. It is a legitimate company with over three decades of presence in the industry and good financial ratings. USABG holds a superior A+ rating from BBB.

This is not a multi-level marketing (MLM) business opportunity or pyramid scheme. The company doesn’t have multiple layers of agents, mentors, and trainers and is not suitable for agents who are primarily looking to recruit.

My Thoughts

Now you know a little more about how a career selling insurance with the USA Benefits Group works, I’d like to provide my experience and knowledge as an insurance agent since 2011 and as an insurance agency owner since 2014.

What follows below isn’t necessarily advice or critique specific to the USA Benefits Group. Instead, it’s general advice that I think all new and aspiring agents should consider before deciding to join a particular insurance agency.

Mastering One Product Strategy

When considering a career selling insurance of any kind, I believe the best strategy is to focus on mastering one singular product.

Think about it this way. Who makes more money, a general practitioner that knows a little about a lot, or a cardiac surgeon who knows a lot about a little?

Of course, a good cardiac surgeon makes much more money than a general practitioner because he specializes in one particular focus, which commands a much higher price than the general approach.

In some ways, this is how selling insurance works. Many six-figure producers in my agency only sell one type of product versus a multitude of products.

Also, it’s easy to feel overwhelmed trying to learn multiple products with multiple underwriting requirements and technical know-how as a new agent.

The more confused and overwhelmed a new agent is, the more likely they are to lose interest in the business and quit.

Whether you join the USA Benefits Group or another insurance agency, make sure you find an organization that believes in specialization instead of generalization.

At my agency, new agents have far greater success with a focused, specialized approach to selling insurance versus trying to become an expert at everything.

Ownership of Your Book of Business

One of the top lessons that a lot of new insurance agents eventually realize is the importance of owning their book of business.

What does it mean to own your book of business? Really, it comes down to who owns your cash flow renewal income from the policies you sold.

I’m not 100% sure how the USA Benefits Group works in this regard. But I do know a lot of agencies will recruit you to sell a bunch of insurance policies, and when you decide to leave, take the renewal income from your successful business.

This can easily damage your career.

Imagine building up a large clientele base. Then you discover that if you want to leave, your current contract stipulates that you will LOSE all of your future renewal income to the agency you’re with. This could be an incredible amount of money generated from all your hard work.

For example, my medicare sales and marketing trainer Luis Moreno started off his career selling Medicare insurance.

He worked very hard for years selling Medicare Advantage policies just to discover that ALL of those policies were owned by the agency—not him!

When he decided to leave the company, he found out the hard way that not only would he lose all of his renewal income, but he also couldn’t contact any of his clients.

In the short-term, this was devastating. But he learned an important lesson that I hope you’re learning now.

Circumstances change with organizations. While it may work out well with one agency, situations can change, and one day you might want to switch to another company.

When this happens, you want to be 100% certain that your clients and your business remain yours. That way, you can continue to work with them in the future and keep your renewal commission!

I highly recommend that regardless of which organization you’re thinking of joining, you double-check that you own your book of business completely.

The terminology we use is 100% first-day vested. Ask the agency upfront if you’re fully vested from day one. If they don’t, consider looking elsewhere.


I hope you enjoyed this review on how a career selling insurance with USA Benefits Group works. Hopefully, you now have a better idea of how their company operates, as well as insight into the insurance business in general.

I recommend that ALL agents do their due diligence before joining any insurance sales opportunity. That’s why I put together a Free Insurance Agent Resource that answers a lot of questions and some that you didn’t even know you had!

If you’d like to find out more about how my agency—Duford Insurance Group—works, there’s more information on my FAQ page.

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