Supplemental Insurance Protection Premiere Vision State Variations Chart Approval Date: 08/07/2015 Code : 1403638592 Revised: 09/30/2014 Supplemental Insurance Protection Premiere Vision Policy Form CH-26120-IP (01/12), or its state variation State Specific Variations Charts ©2014 SureBridge® Product Training Materials | Proprietary and Confidential. For more plan details, refer to the product materials. The benefits described in this presentation are subject to all provisions, terms, definitions, and limitations and exclusions of the applicable policy. Supplemental plans serve a specific purpose in the insurance market. These plans are not intended as substitutes for accident and sickness health insurance and should not be construed as such.

Premiere Vision Before You Begin This list is time-sensitive and may not be all-inclusive. See product materials for complete details and any additional state variations regarding the Premiere Vision Policy. Due to the many variations of the Premiere Vision plan, the state-specific and generic power points have been combined into one single presentation.

Supplemental Products Availability SureBridge has the largest portfolio of supplemental products including critical illness, cancer, accident, disability, dental and Premiere Vision policies. We also have the broadest marketing footprint. AK WA ID MT ME OR ND MN NH WI NY VT MI WY SD CA MA RI NV CT UT NE IA PA IL OH IN NJ CO WV DE MO VA KS MD KY HI DC AZ NC NM OK TN TX AR SC GA MS AL All products available Subset of products available No products available LA FL

Premiere Vision State Availability Legend  = Released in state at time of training publication + State / Availability Gen SS Alabama AL  Kentucky KY North Dakota ND Alaska AK Louisiana LA Ohio OH Arizona AZ Maine ME Oklahoma OK Arkansas AR Maryland MD Oregon OR California CA Massachusetts MA Pennsylvania PA Colorado CO Michigan MI Rhode Island RI Connecticut CT Minnesota MN South Carolina SC Delaware DE Mississippi MS South Dakota SD District of Columbia DC Missouri MO Tennessee TN Florida FL Montana MT Texas TX Georgia GA Nebraska NE Utah UT Hawaii HI Nevada NV Vermont VT Idaho ID New Hampshire NH Virginia VA Illinois IL New Jersey NJ Washington WA Indiana IN New Mexico NM West Virginia WV Iowa IA New York NY Wisconsin WI Kansas KS North Carolina NC Wyoming WY

Supplemental Products Superior Client/Broker Experience Quoting Compare packages with different combinations of supplemental products Present total price for solution Commissions First month’s premium is taken at time of application This results in faster commission payments Book of Business report available on the SureBridge Broker Portal Application Single e-app for any combination of supplemental products Flexibility to select different products and/or benefit options for each family member on app Smart app – only the questions for the products selected are asked Simplicity – all questions are yes/no Outlines of coverage provided Claims Claim form provided with complete instructions for submission Claim forms are received, analyzed and adjudicated within a 7 day turn-around time

Supplemental Products Sales Pitch Changes in the market present opportunities to sell supplemental plans Essential Health Benefits Plans can have out of pocket expenses as high as $6,350 for individuals or $12,700 for families. This leaves large gaps in coverage which can be filled with supplemental plans. Advanced premium tax credits for EHB plans are available for individuals or families making up to 400% of the federal poverty level. Tax credits can be used to purchase extra coverage and fill the gaps left by high deductibles and coinsurance on EHB plans. Number of family members Poverty Guideline for family income (as of 2013) Can still qualify for a subsidy under the ACA with an income up to 1 $11,490 X 400% $45,960 2 $15,510 $62,040 3 $19,530 $78,120 4 $23,550 $94,200 5 $27,570 $110,280 Tax credits can be seen as a way to pay for Supplemental Plans and reduce coverage gaps. Need a subsidy calculator? Try http://kff.org/interactive/subsidy-calculator/

Premiere Vision Sales Pitch The Premiere Vision plan is a good companion to health and PPO Dental insurance. In addition, try SureBridge supplemental insurance to help fill in gaps caused by high out of pocket expenses and lost wages. For example, Accident Direct is as inexpensive as $1 a month. On the right, health insurance is supplemented by the following: Premiere Vision PPO Dental * Accident Direct* for lump sum accident coverage Coverage Gap Health Coverage PPO Dental Premiere Vision Accident Direct *See the appropriate training documents for more details on these other products.

Premiere Vision Navigation Premiere Vision is located under the Dental/Vision and Senior tab of the SureBridge Point of Sale Tool.

Premiere Vision Marketing and Plan Information Senior Market Maximum Issue Age: 65-99 Dependent Issue Age: 0-99 Application: CH-26109-APP (10/13) Non-Senior Market Maximum Issue Age: 0-64 Dependent Issue Age: 0-64 Application: CH-26109-APP (10/13)

Premiere Vision Marketing Guidelines for the Senior Market Important Information Medicare Advantage plans may contain benefit provisions that could potentially duplicate the Premiere Vision policy benefits. If you are offering the Premiere Vision policy in the senior market, you must determine if the potential applicant has existing vision coverage (refer to the application question regarding other coverage). Do not offer a Premiere Vision policy to a customer who has an existing Medicare Advantage plan with vision benefits or other existing vision coverage.

Premiere Vision Out of Network Plan Differences Generic Premiere Vision Plan Covers non-network eye exams up to $30 a year OON corrective spectacle lenses, frames and contact lenses are not covered. State – specific differences can apply. See the benefit charts on the following pages for details. State Specific Premiere Vision Plan Covers non-network eye exams up to $30 a year OON corrective spectacle lenses, frames and contact lenses are covered. State – specific differences can apply. See the benefit charts on the following pages for details.

Premiere Vision Benefit Schedule Network Benefits Non-Network Benefits State-Specific Differences Examination Includes eye exam, refraction and dilation as necessary Limited to one exam every 12 months from last date of service, per insured person 100 % Comprehensive Eye Examinations per Insured Person 100 % up to a maximum of $30 per Comprehensive Eye Examination, per Insured Person AR – Non-Network: 75%. FL, GA – Network: 100% up to $30. Corrective Spectacle Lenses Standard, uncoated plastic lenses Co-pay $10 (per insured person) Limited to one purchase every 12 months from the last date of service, per insured person In lieu of corrective contact lenses Single Vision Lenses, Bifocal Lenses and Trifocal Lenses paid at 100% Not Covered CT, ID, IL, KS, KY, MD, MO, NC, NM, NV, OH, OK, PA, TX, UT – Non-Network: Single Vision lenses 100% up to $35, Bifocal lenses 100% up to $55, and Trifocal lenses 100% up to $90 FL, GA, ME – Network and Non-Network: Single Vision lenses 100% up to $35, Bifocal lenses 100% up to $55, and Trifocal lenses 100% up to $90; Frames Paid at 100% up to $120 AR – Non-Network: 100% up to $90 CT, FL, ID, IL, KS, KY, MO, NC, NM, NV, OH, OK, PA, TX, UT – Non-Network: 100% up to $60 GA – Non-Network: 100% up to $84 MD – Non-Network: 100% up to $120 ME– Non-Network: 100% up to $100

Premiere Vision Benefit Schedule Network Benefits Non-Network Benefits State-Specific Differences Corrective Contact Lenses Co-pay $10 (per insured person) Limited to one purchase every 12 months from the last date of service, per insured person In lieu of corrective spectacle lenses and frames Contact lens fitting and follow-up visits are not covered. Paid at 100% up to $120 Not Covered AR, CT, FL, GA, ID, IL, KS, KY, MD, ME, MO, NC, NM, NV, OH, OK, PA, TX, UT – Non-Network: Paid at 100% up to $120 Contact Lens Fitting Follow-up Visits

Premiere Vision Renewability State Specific Differences The policy is guaranteed renewable, subject to the Company’s right to discontinue or terminate the coverage as provided in the TERMINATION OF COVERAGE section of the policy. FL, IA, KS, KY, TN, VA: Replaces ‘guaranteed’ with ‘conditionally’’ TX: Removes “guaranteed” Under our business rules, Eligible Dependents covered under the policy may continue coverage until age 26, subject to the termination provision of the policy. FL: Eligible Dependents covered under the policy may continue coverage until age 31 IL, SD: Eligible Dependents covered under the policy may continue coverage until age 30. NE: Eligible Dependents covered under the policy may continue coverage through age 29 OH: Eligible Dependents covered under the policy may continue coverage until age 28. CT, WI: Eligible Dependents covered under the policy may continue coverage until age 27. Termination Age Standard State Specific Differences Termination Age: Non-Senior No termination age Termination Age: Senior

Premiere Vision Exclusions & Limitations # Exclusion & Limitation State Specific Differences 1 Orthoptic or Premiere Vision training and any associated supplemental testing 2 Plano lenses 3 Lens coating 4 Two pair of glasses, in lieu of bifocals or trifocals 5 Medical or surgical treatment of the eyes 6 Any type of corrective Premiere Vision surgery, including LASIK surgery 7 Any eye examination, or any corrective eyewear, required by an employer as a condition of employment 8 Any services or supplies when paid under any Workers’ Compensation or similar law NC – revised to “any injury or sickness arising out of, or in the course of, employment for wage or profit, for which benefits are paid under the Worker’s Compensation Act, Occupational Disease Act, or similar act or law and if determined by a final adjudication of the claim, the employee, employer, or Workers Compensation Carrier under such Article or by an order of the NC Industrial Commission, is liable/responsible for such charges, unless the Insured is self-employed.”

Premiere Vision Exclusions & Limitations # Exclusion & Limitation State Specific Differences 9 No-line bifocal or progressive lenses 10 Photochromic, transition, or polycarbonate lenses 11 Lenticular lenses 12 Sub-normal Premiere Vision aids or non-prescription lenses 13 Services rendered or supplies purchased outside the U.S. or Canada, unless the insured person resides in the U.S. or Canada and the charges are incurred while on a business or pleasure trip 14 Eyeglasses when the change in prescription is less than .5 Diopter 15 Experimental or investigational or non-conventional treatment or device 16 Eyeglass lens treatments, including “add-ons”, UV coating, anti-reflective coating, scratch resistant coating, tinting, edge polishing 17 Oversized lenses 18 High index lenses of any material type 19 Fitting for contact lenses 20 Follow-up visits 21 Charges incurred after the policy has terminated or coverage has ended

Premiere Vision Premiere Vision FAQs New Business and Underwriting Cannot be sold with any other Vision Plan offered by MEGA or CLICO. May be sold with a Non-Senior Vision for a different applicant. No underwriting questions apply to this product. Claim Payment Benefits are paid to the Provider if assigned. The Premiere Vision plan offers access to thousands of network providers nationwide through EyeMed Vision Care’s “Select” Network of independent providers and retail chains including: LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and Pearle Vision® locations.

Premiere Vision Underwriting Quick Reference Important Information No underwriting questions apply to this product. See the Premiere Vision section of the Chesapeake Underwriting and Product Guide for more information.

Premiere Vision Pricing Examples Rates can change. These rates come from the generic brochure dated March 2014: CH PR VIS 314 (OON, generic, Senior and non-senior versions). The chart below is only an illustration of benefit and premium options per covered person for plans. Monthly Premiums Non-Senior Senior Individual $9.00 $10.00 Two Persons $16.00 $18.00 Family $25.00 N/A Sample Rates do not vary from Generic vs State Specific versions.

Premiere Vision This presentation is not inclusive of all policy provisions. See product materials for complete details and any additional state variations regarding Termination of Coverage, Renewability, Premium Changes, Eligible Dependents, and policy Definitions. SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products are underwritten and administered by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. The insurance product referenced in this document is underwritten by The Chesapeake Life Insurance Company. SureBridge products are individual supplemental products and are not available as group coverage. There is no list bill and premiums may not be paid by employers for employees. This material cannot be copied or used in any way for advertising or presentation purposes. THIS POLICY PROVIDES LIMITED BENEFITS. This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Vision Insurance Policy does not satisfy the individual mandate that you have health insurance coverage. This is not Medicare Supplement Insurance.

Premiere Vision Thank You For Everything You Do! Vision Insurance Policy