Better Together Anthem Specialty with CoPower Jan Hollander, Specialty Sales Executive, Anthem Pratibha Patel, Business Dev. Sr. Manager, CoPower October 5, 2016

Now let’s do this together We heard you! Now let’s do this together

CoPower Advantage Simple.Smart. Establish Anthem Specialty as an option to pair with ANY medical carrier Keep it simple: Mix and match ancillary carriers – Anthem, Delta Dental, MetLife, Landmark, United Healthcare, and Unum Single bill and single point of contact Access to Empower, CoPower’s online administration system

Simple. Strong. Prime & Complete Dental Solutions Challenge Solution Confusing plans; too complicated Simplified selection of best selling plan designs Standardized benefit features (such as Posterior Composites and Implants) Fast Quoting through Health Connect Too expensive Lower overall pricing, especially LA & OC Only two CA rating regions Simplified industry rating Special discounting Network too small 78% Network growth over 5 years Just two networks: Prime & Complete CA Complete Network 19,000 unique dentists ; 52,000 access points Define SIC “buckets” and only one ineligible Industries Blend Comparable and Prior Coverage Rating Factors Blend Contribution and Participation factors

Unique Dentists in California Anthem Dental Complete ppo network California Unique Dentists in California Anthem Dental Complete Anthem Dental Prime Aetna Cigna Delta PPO Delta Premier Guardian Humana MetLife Principal United Concordia United Health Care County Alameda 1,153 715 817 1,535 1,020 1,619 1,076 662 1,018 1,185 839 917 Contra Costa 816 483 607 1,044 670 1,094 709 461 700 823 601 546 Fresno 587 364 413 821 505 592 608 400 433 696 455 439 Kern 525 356 370 697 405 465 569 334 460 672 384 427 Los Angeles 6,143 4,506 4,660 6,754 5,176 6,833 6,200 3,922 4,948 5,812 4,715 4,822 Orange 2,806 2,045 2,272 3,224 2,436 3,173 2,986 1,887 2,425 2,678 2,373 Riverside 1,719 1,272 1,350 2,417 1,529 1,706 1,714 1,186 1,504 1,797 1,256 Sacramento 1,048 619 757 1,371 854 1,225 992 719 826 1,093 765 848 San Bernardino 1,701 1,253 1,236 2,094 1,418 1,633 1,649 1,063 1,361 1,581 1,475 1,261 San Diego 1,960 1,326 1,590 2,506 1,698 2,235 2,061 1,456 1,752 2,047 1,801 1,498 San Francisco 617 350 799 559 740 571 275 522 527 323 436 San Joaquin 666 419 517 939 685 625 423 494 743 497 San Mateo 327 382 664 434 802 479 255 469 429 353 351 Santa Clara 1,311 800 938 1,548 1,111 1,982 1,290 701 1,163 1,171 905 Solano 529 332 395 773 418 536 441 378 Sonoma 428 217 295 638 324 307 331 279 Ventura 761 554 605 851 785 471 652 706 586 All other Counties 4,016 2,266 2,995 5,509 3,519 5,002 3,666 2,362 3,098 3,651 3,123 2,663 STATE TOTALS* 18,879 12,717 14,189 20,443 15,875 23,392 18,020 11,710 15,185 16,787 13,755 13,878 US Stats 122k unique dentists 332k access points *State totals are based upon one unique dentist per state, not upon one unique dentist per county. Strenuus competitor information updated 4/19/16.

The Magnificent Seven Anthem Prime & Complete Through CoPower Simplified Choices. Easy Quoting. 2 Yr. Rate Guarantee No DE9c Required Choose from 80th, 90th or MAC OON “Low” plans: rich in-network benefits with low price point Posterior Composites & Implants included Endo/Perio in Basic (except Vol) No Waiting Periods (except Vol) True Open Enrollment Additional Discounts available for 26+ lives Plan Name Available for Group sizes Plan Type Annual Max Co-Insurance (in-network) OON Reimbursement Ortho(10+) Classic Prime CA-5A 10-100 Low 1500 100/80/50 Active MAC Child Only Classic Prime CA-5B 100/80/50 Passive Adult & Child Classic Complete CA-2N 2-100 Mid UCR 80th n/a Classic Complete CA-2Q Enhanced Complete CA-3C High 2000 UCR 90th Enhanced Complete CA-3B Voluntary Complete CA-4B 5-100 Voluntary Exclusive 6% Discount when purchased with Anthem Vision (2+) or Life (10+)

Choices: Dual Option Flexibility Dental Net 2000A • 2000B • 2000C No annual maximums, No benefit waiting periods Set copays for nearly 300 procedures Nearly 11,000 participating CA providers Includes fillings, crowns, tooth-colored fillings on any tooth, and general anesthesia for oral surgery Inexpensive orthodontic coverage for kids up to age 18 and adults Voluntary plans – minimum 5 enrolled Dual Option with PPO/DHMO Dual Option with PPO/PPO Buy up with Low and High PPO Plans offered must have a 20% rate differential. Minimum 10 eligible with 2 enrolled in each plan Participation based on group size Refreshed portfolio 4+ years ago; added benefits such as anesthesia; expanded network, affordable price point than before No annual maximums No deductibles No benefit waiting periods Set copays for nearly 300 procedures Includes fillings, crowns, tooth-colored fillings on any tooth, and general anesthesia for oral surgery Orthodontic coverage for children and adults

Anthem Blue View Vision 4 Simple Choices CoPower/Anthem Blue View Vision Plans All Anthem Visions Plans are available to be sold and administered through CoPower Product Frequency Available for Group sizes Blue View A6 12/12/12 2-100* Blue View B6 12/12/24 Blue View C8 12/24/24 Blue View MO5 - Voluntary (Material Only Plan) - $20 materials copay 0/12/24 5-100 Included: Simplified choices. Most popular plans. $10 exam/$25 Materials $130 Frames/$130 Lenses Allowance Up to 40% off additional pairs of glasses Private & Retail Chains Contacts available from 1-800-Contacts No DE9c required Can be sold standalone or with Anthem Medical 6% discount on life rates (groups of 10+) when purchased alongside Anthem Dental plan * Voluntary 5-100

Available for Group sizes Basic Life Flat Amount: Anthem Life Insurance Product GI Amount Available for Group sizes Rates Basic Life Flat Amount: $25,000; $30,000; $50,000 Class Based 1 x Salary up to $100,000 Up to $30,000 2-9 Age banded (available through HC) $25,000 to $350,000 in 5K increments Class Based (up to 5 Class) 1 or 2 x Salary up to $350,000 Varies by Group Size 10-100 Composite (available through Anthem Quoting) AD&D Included Waiver of Premium Included Accelerated Death Benefit – Standard Resource Advisor Included with Basic Life and AD&D EAP 24/7 counseling and referral service includes 3 face to face counseling visits Identity Theft fraud resolution/recovery Beneficiary Companion program Travel Assistance No DE9c required Can be sold standalone or with Anthem Medical 6% discount on life rates (groups of 10+) when purchased alongside Anthem Dental plan Supplemental Life not available through CoPower

Why Anthem Specialty & CoPower? Dental: Simplified and unique dental portfolio through CoPower Reconfigured, competitive pricing only through CoPower 98% of Anthem members have access to an in-network provider within 10 miles from work or home Vision: Simplified and most widely sold plan selections Strong network of private Optometrists Convenience of retail providers – 7 days a week, hours after 5 pm and weekends Life: Avg. claims paid in 1.4 days Resource Advisor includes EAP 24/7 and 3 face to face visits; Travel Assistance and Identify Theft Nationally 33% more dentists than MetLife 30% more dentists than Delta Dental PPO 20% more dentists than Guardian National data, Strenuus 03/01/2016 Nationally 91% more providers than Davis 49% more providers than Spectra 10% more providers than VSP Choice

Questions? Our Speakers Janice L. Hollander, CHRS CA Specialty Sales Executive II, Anthem, Inc. Direct:  (760) 468-1498  CA SG Broker Services (800) 678-4466 Janice.hollander@anthem.com Pratibha Patel Business Development Senior Manager, CoPower Direct:  (650) 931-1717  CoPower Toll Free (888) 920-2322 ppatel@copower.com Exclusively distributed by LISI A Premier General Agency in California. For sales, contact LISI at: 866.570.5474 www.lisibroker.com CoPower T: 888.920.2322 E: sales@copower.com www.copower.com