Critical Illness playbook: Get the play-by-play on when to offer Classic Critical Illness and Critical LifeEvents® Christin Kuretich Director, Product & Innovation Trustmark Voluntary Benefit Solutions Shaun Urista Regional Sales Manager, South Central & Gulf Coast Trustmark Voluntary Benefit Solutions

critical illness plans A suite of critical illness plans Two distinct critical illness policies that can meet your needs no matter what you value most. Classic Critical Illness Critical LifeEvents®

Focuses on what’s in the market today Lump sum coverage paid on first diagnosis Specified list of covered illnesses Additional riders available to enhance the payment Coverage can be offered on a Guaranteed Issue basis

Chosen at the Group Level Covered Conditions Chosen at the Group Level Heart Attack Stroke Invasive cancer ALS Blindness Paralysis Renal Failure Major Organ Transplant Occupational HIV (optional) Coronary Artery Bypass (25%) In-Situ Cancer (25%) Subsequent Condition Pays 1x for each condition Subsequent Condition with Recurrence (EXCLUDES cancer recurrence) Pays 1x for each condition & unlimited for recurrent conditions separated by 12 mo. Subsequent Condition with Recurrence (INCLUDES cancer recurrence) Best Doctors Health Screening Rider Waiver of Premium for Disability EZ Value - $1 for 5 years

Designed for a lifetime of benefits Lump sum coverage is paid on diagnosis Base coverage focuses on the 3 most experienced conditions: Cancer, Heart Attack, and Stroke (94% of Trustmark claims; 90% of industry claims) Early detection and early identification are a big focus There’s an annual replenishing benefit for life! No max, no reductions – simplifying both the claims process and user experience Expanded provisions for healthy living with our Healthy Living Rider

Rich base coverage Highlights Benefits graded for: Early identification – 10% Early stage – 50% Late stage – 100% (annual max) Incorporated current and future medical practices into plan No separation periods are required between diagnoses No lifetime maximum on number of payouts Maximum annual benefit replenishes every calendar year

Scenario A: $20,000 sample policy in year 1 January 1, 2016 March 1, 2016 June 1, 2016 January 1, 2017 September 1, 2016 Policy issued Coronary artery disease Initial diagnoses after assessment/recommended treatment Coronary artery disease Coronary artery obstruction New year Coronary artery disease Heart attack EVENT $2,000 EARLY IDENTIFICATION 10% $10,000 EARLY STAGE 50% $20,000 LATE STAGE 100% BENEFIT PAID BENEFIT FUND Total payout: $32,000

Additional features for even more protection Specified Illness Rider – An expansive list of more covered conditions structured like the base (i.e., early identification & early stage) 10% benefit 50% benefit 100% benefit Complications of diabetes with hospitalization for hyperglycemia, dehydration Stem cell/bone marrow transplant Central nervous condition Neurological impairment was not previously present and has persisted for 30 days or longer Lupus Sarcoid Central nervous infection of the brain Permanent blindness Complications of diabetes with lower limb amputation Irreversible loss of hearing Person must be 3 years of age or older at diagnosis, benefit not payable if device or surgery could restore hearing Occupational HIV Paralysis due to sickness Renal failure Organ failure (liver, lungs, pancreas, heart)

Additional features for even more protection Additional Sickness Rider – Provides a benefit if the insured can’t perform 2 of 6 ADL’s for any medical reason Healthy Living Benefit - Provides more options to meet needs $50 routine test/$50 follow up $50 routine test/$50 follow up PLUS $25 biometrics and $250 BRCA gene test $75 routine test/$75 follow up PLUS $25 biometrics and $250 BRCA gene test $100 routine test/$100 follow up PLUS $25 biometrics and $250 BRCA gene test $250 benefit doubles if they test positive

Why Critical LifeEvents®? HEY DOC! SIX WAYS CRITICAL LIFEEVENTS SUPPORTS THE WAY CONSUMERS EXPERIENCE CRITICAL ILLNESS TODAY Dr. Howard Fixler & Dan Johnson ________________________ When: Monday, Jan. 30 Time: 1:15 to 1:45 p.m. Location: Venetian 1-2 Better aligns with medical plan goals and objectives Enhanced emphasis on prevention and early detection Pays sooner and more frequently Covers many early stage diagnoses not covered under traditional plans No separation periods or maximum limitations

Most common plan designs Rich base + Healthy Living Base coverage only (cancer, heart attack & stroke) Healthy Living Rider option no. 1 $50 routine test/$50 follow up Rich base + Healthy Living + Added Conditions Base coverage only (cancer, heart attack, stroke) Healthy Living Rider option no. 2 $50 routine test/$50 follow up PLUS $25 biometrics and $250 BRCA gene test Specified Illness Rider for expanded list of conditions (13 additional)

Takeover business in the CI market CI is a growing product; in 2012 when CLE was created, takeovers accounted for around 20% of every case Today, more than 50% of the cases we write are takeovers; that percentage is expected to continue to climb according to industry experts (Eastbridge, LIMRA) One size does not fit all – this product stands out

Key takeaways We have two strong products There’s a place for Classic Critical Illness in the market We re-focused our marketing and training on: The top 3 experienced conditions covered Early identification and early stage Replenishing annual benefit

Christin Kuretich Shaun Urista Director, Product & Innovation Trustmark Voluntary Benefit Solutions christin.kuretich@trustmarksolutions.com Shaun Urista Regional Sales Manager, South Central & Gulf Coast Trustmark Voluntary Benefit Solutions shaun.urista@trustmarksolutions.com