PRODUCT TRAINING PRESENTED BY GENERAL AGENT CENTER VALUE MED PRODUCT TRAINING PRESENTED BY GENERAL AGENT CENTER This product training is for licensed General Agent Center agents only, not for use with the general public. To inquire, please go to www.gacquote.com for complete details, limitations and exclusions. All plans may not be available in all states and carriers may vary by state.

GENERAL AGENT CENTER – SINCE 1973 GENERAL AGENT CENTER creates innovative health products based on consumer needs and market trends. Serving over 20,000 agents nationwide Marketing & Customer Service Departments staffed to assist agents needs attentively and efficiently VALUE BENEFITS OF AMERICA, INC., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest. To enhance the quality of life for our association members by offering benefits and discount services. VALUE MED COVERAGE is underwritten by Guarantee Trust Life Insurance Company and The United National Life Insurance Company of America. Value Med Plan is an inventive and affordable limited benefit health insurance product.

WHAT IS VALUE MED?

INDEMNITY GAP PLAN THAT PROVIDES BENEFITS FOR: PHYSICIAN OFFICE VISITS OUTPATIENT SERVICES $100 / DAY DAILY HOSPITAL BENEFIT ACCIDENT – OR – SICKNESS

REDUCE OUT OF POCKET COSTS WITH THE PROVIDER NETWORK VALUE MED REDUCE OUT OF POCKET COSTS WITH THE PROVIDER NETWORK BENEFITS & FEATURES BENEFITS DOCTOR OFFICE VISITS OUTPATIENT SERVICES DAILY HOSPITAL CONFINEMENT AMBULANCE BENEFIT FEATURES NATIONAL DISCOUNT PROVIDER NETWORK MDHOTLINE Rx PRESCRIPTION DISCOUNT PROGRAM

VALUE MED FOR WORKING: FAMILIES INDIVIDUALS HOMEMAKERS STUDENTS ELIGIBILITY FOR WORKING: FAMILIES INDIVIDUALS HOMEMAKERS STUDENTS

VALUE MED EASY ONLINE ENROLLMENT MONTHLY BANK DRAFT OR LIST BILL (4+) VERSATILITY EASY ONLINE ENROLLMENT MONTHLY BANK DRAFT OR LIST BILL (4+) QUALIFIES FOR SECTION 125 VIRTUALLY GUARANTEED ISSUE

DAILY HOSPITAL BENEFITS PER SICKNESS OR ACCIDENT VALUE MED INSURANCE DETAILS OFFICE VISITS Office Visits – 10 per calendar year each insured adult, 5 per calendar year all children combined. Covers any practitioner of the healing arts. $75 / EACH OUTPATIENT BENEFITS Pays $100 per sickness or injury up to $200 per calendar year, per covered adult and for each covered child (Medical tests, lab, imaging, X-ray, Urgent Care or any other outpatient facility) $100 DAILY HOSPITAL BENEFITS Daily hospital benefit $100 / day from the first day to $36,500 (365 days) $100 DAILY AMBULANCE BENEFIT Pays expenses incurred for ambulance services due to a covered injury or sickness $200 PER SICKNESS OR ACCIDENT Please refer to the brochure for complete details, exceptions and limitations

VALUE MED HIGHLIGHTS NO HEALTH QUESTIONS NO DEDUCTIBLES & NO CO-PAYS PAYS IN ADDITION TO ANY OTHER COVERAGE USE ANY PROVIDER – OR, TO REDUCE OUT OF POCKET COSTS: USE THE PROVIDER NETWORK TO RECEIVE DISCOUNTED RATES FOR MEDICAL SERVICES FROM PHYSICIANS OR OUTPATIENT SERVICE PROVIDERS BENEFITS PAID DIRECTLY TO THE INSURED – OR MAY BE ASSIGNED TO THE PROVIDER RATES CANNOT INCREASE DUE TO HEALTH STATUS GUARANTEED RENEWABLE TO AGE 65

VALUE MED PROVIDER NETWORK The discount provider network gives access to over 400,000 physicians and more than 50,000 outpatient services such as lab, X-ray, medical tests, supplies, diagnostic and much more. Using network physicians and providers can reduce costs for medical services. REDUCE YOUR OUT OF POCKET EXPENSES FOR DOCTOR OFFICE VISITS AND OUTPATIENT SERVICES

NETWORK SAVINGS EXAMPLE VALUE MED NETWORK SAVINGS EXAMPLE MEMBER HAS AN OFFICE VISIT WITH A NETWORK PHYSICIAN, THE NORMAL CHARGE IS $100 THE NETWORK DOCTOR VISIT IS DISCOUNTED $20 (20%) TO $80 MEMBER ASSIGNS THE $75 INSURANCE BENEFIT TO DOCTOR AT THE TIME OF SERVICE / OFFICE VISIT MEMBER HAS A $5 BALANCE ($80 LESS THE $75) TO PAY AT THE TIME OF SERVICE / OFFICE VISIT

TO FIND A PARTICIPATING NETWORK PROVIDER CALL OR VISIT; VALUE MED PROVIDER NETWORK TO FIND A PARTICIPATING NETWORK PROVIDER CALL OR VISIT; 800-236-3609 www.ValueMedProviders.com

WHAT IF YOU COULD DO THE SAME WITH A DOCTOR? VALUE MED MDHOTLINE IN THE FAST PACED, VIRTUAL SOCIETY WE LIVE IN, THE SMART PHONE HAS REVOLUTIONALIZED THE WAY WE COMMUNICATE AND MANAGE A WIDE VARIETY OF DAY TO DAY TASKS. YOU WOULDN’T LEAVE THE HOUSE WITHOUT YOUR PHONE SECURELY BY YOUR SIDE, WOULD YOU? WHAT IF YOU COULD DO THE SAME WITH A DOCTOR? NOW YOU CAN! MDHOTLINE DOCTORS ARE AVAILABLE 24 HOURS A DAY, 7 DAYS A WEEK BY SIMPLY CALLING IN. MEDICAL ASSISTANCE IS NEVER FURTHER THAN THE REACH OF YOUR PHONE!

VALUE MED MDHOTLINE Have you ever needed a doctor while traveling or on the weekends? Have you ever needed a prescription when your doctor is unavailable? Access a board certified physician without all the hassle that comes with a traditional doctor's appointment. Are Mdhotline doctors licensed? ALL PHYSICIANS ARE BOARD CERTIFIED AND STATE LICENSED When are doctors available? PHYSICIANS ARE AVAILABLE 24/7, 365 DAYS PER YEAR How long are doctor consultations? PHYSICIAN CONSULTATION TIME IS APPROXIMATELY 12 MINUTES What if I need a prescription? PRESCRIPTIONS* ARE CALLED INTO YOUR LOCAL PHARMACY What if I need a specialist? REFERRALS AVAILABLE FOR SPECIALIST APPOINTMENTS *No DEA controlled substances or narcotics allowed. Rx service not permitted in SC.

Rx PRESCRIPTION SAVINGS VALUE MED Rx PRESCRIPTION SAVINGS Save 10% to 85% on brand name and generic prescriptions at Costco, Walgreens, Sam’s Club, CVS and over 65,000 select pharmacies nationwide, or while using the mail order service. The discount is simple to use, simply show your membership card and prescription at a participating pharmacy to receive a discounted rate. NO additional forms are required!

VALUE MED RATES MOST STATES OH AL IL NM AK IN OK AZ IA PA AR KY SC CA LA TN CO MD TX DE MI UT DC MS VA GA MO WV HI NE WI ID NV WY Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

VALUE MED RATES OR ONLY Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for plan administrative fee

VALUE MED RATES SD ONLY Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

VALUE MED RATES WA ONLY Add $5 monthly, $15 quarterly, $30 semi-annually, or $60 annually for VBA Membership

800-338-7452 BILLING OR CLAIMS VALUE MED PLEASE CONTACT: GUARANTEE TRUST LIFE - OR - UNITED NATIONAL LIFE 800-338-7452

REGISTER FOR PERSONALIZED / SECURE PRODUCT ENROLLMENT LINKS VALUE MED REGISTER FOR PERSONALIZED / SECURE PRODUCT ENROLLMENT LINKS STEP 1: Go to: www.gacquote.com Click “agents” Click “request on-line enrollment link” STEP 2: Scroll to the bottom of the page and click on “click here for registration form” COMPLETE & SUBMIT the registration form STEP 3: EMAIL Erik Lunt after completing registration: Erik@generalagentcenter.com

USING YOUR PERSONAL LINK YOUR LINK WILL CODE NEW BUSINESS TO YOU AUTOMATICALLY SELLING MADE EASY! EMAIL URL TO POTENTIAL CLIENTS INSERT URL ON YOUR WEBSITE WWW.GACQUOTE.COM AGENT NAME AGENT PHONE NUMBER AGENT EMAIL ADDRESS & INFO

VALUE MED GENERAL INFORMATION 1st – 28th 800-207-8050 Minimum of 4+ Effective Date 1st – 28th Policy effective can be the 1st – 28th and must be AFTER the application date Draft Date Policies draft on the same effective date and on that same day each month following UNL 800-207-8050 United National Life Insurance Company of America, Glenview, IL List Bill Minimum of 4+ The list billing will be sent to the business / entity each month 2 weeks prior to the due date Advancing 4 and 6 Month Available Advancing is available through your marketing director / FMO with a qualifying credit check GTL 800-338-7452 Guarantee Trust Life Insurance Company, Glenview, IL

THANK YOU FOR YOUR TIME & WELCOME!