Life Insurance Products and Services

Our Advantage Strength & Stability Broad Product Offerings with Added Value Benefit Features That Make The Difference Flexible Reporting Superior Customer Service Our strength, innovation and dedication makes us the right solution to your needs. 9/18/2018

Our Strength and Stability A.M. Best: A (Excellent) agency rating Parent company, ranked 38th on the Fortune 500 list Parent company, named Most Admired Health Insurance Company by Fortune Magazine Parent company, ranked 2nd on 2006 Business Week’s Top 50 Performing Companies More than 96,000 group customers and 5.8 million members* Large Case/National Accounts Expertise More than 50 years of experience* Each affiliated life company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities. *Anthem Life internal data 2006 9/18/2018

Broad Product Offerings - Life Employee and Dependent Voluntary AD&D* Dependent Term Life Life Product Portfolio Employee AD&D Voluntary Life 1) Employee AD&D is available with Basic and Supplemental Life Employee Basic and Optional Term Life *(Portability) not currently available in all states 9/18/2018

Innovative Supplemental Programs Resource Advisor Included with group Life plans at no additional cost Provides employees and family members with resources that may help them achieve a healthier balance including: 24 hour toll-free telephone counseling Legal/Financial Counseling for employee or their beneficiary Counseling sessions for an employee’s beneficiary Access to Online Resources: resources and providers for child care and elder care, legal and financial resource center, excellent articles and links to a myriad of helpful resources Resource Link is included with Small and Large Group Life plans 9/18/2018

Innovative Supplemental Programs Travel Assistance through Worldwide Assistance Services Included with Large Group Life/AD&D plans at no additional cost Provides employees and dependents with resources and information when traveling 100 miles or more away from home Emergency medical assistance Travel services Pre-departure information 24 hour multilingual call center 9/18/2018

Flexible Plan Designs Earnings schedules Level amounts Benefits based on the associate’s wages Level amounts Gives all associates the same benefit amount Employment classification schedules Benefits based on the associate’s job classification Length-of-service schedules Relates the amount of insurance to an associate’s years of service with the company 9/18/2018

Competitive Benefit Features Accelerated Death Benefit feature at no charge Accidental Death and Dismemberment (AD&D) benefits Seat belt benefit Education assistance benefit Access AdvantageTM Account Interest-bearing checking account allows beneficiaries to access funds as they need them Waiver of Premium in the event of a disability Control Plus Account also provides a interest rate on the checking for money remaining at 6 months and again at 12 months providing the member with bonus dollars derived from the interest. (Speaker notes…current interest rate for CONTROL PLUS ACCT is 1.30%) Rates subject to change, etc. Use terminology & disclosure from updated control plus letters/brochures. We’re avoiding “competitive.” 9/18/2018

Multiple Funding Options Pooled Refund eligible, with or without premium stabilization reserve Minimum premium Retrospective premium 9/18/2018

Easy Enrollment & Administration One Anthem Life & Disability Application All traditional Life products Dedicated Account Manager as a single point of contact for life and medical Some joint administration with medical program Enrollment assistance for voluntary plans 1% discount off medical product when purchased with Life 9/18/2018

Superior Claim Service Dedicated Service Center 99.9% payment accuracy in 2006 98% of claims decisions paid within 30 days in 2006 Average claim turn around time- 3.3days Call abandonment rate below 2% 94% of all calls answered in less than 30 seconds Average speed of answer – 9 seconds Busy rate – 0% Internal Anthem Life data 2006 9/18/2018

Life and Disability products are underwritten by Anthem Life Insurance Company. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In most of Missouri: RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding the city of Fairfax, the town of Vienna and the area east of State Route 123.). In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. 9/18/2018