VitalaCare Underwritten by: LifeShield National Insurance Company Confidential. Do not distribute. For agent use only. ©All rights reserved. Health Plan Intermediaries Holdings, LLC, 2018

Underwritten by LifeShield National Insurance Co.

Important Non-Negotiables to Remember Agents are required to fully identify this product. VitalaCare is an accident & sickness hospital indemnity insurance plan underwritten by LifeShield National Insurance Company. Source: Non-Negotiables “Name and Type of Product”

ACA Disclaimer THIS IS AN ACCIDENT & SICKNESS HOSPITAL INDEMNITY INSURANCE POLICY THAT IS NOT INTENDED TO AND DOES NOT QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A POLICY THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH INSURANCE POLICY THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.  

Important Non-Negotiables to Remember Agents are required to inform consumers that this plan is not ACA compliant and that they may be subject to a tax penalty. Source: Non-Negotiables “Product is Not ObamaCare/ACA”

Product Highlights Network Doctor’s Office Visits MultiPlan, giving members access to in-network negotiated rate Doctor’s Office Visits $50 for up to 5 days (varies based on plan chosen) In-Hospital Indemnity $100, $200, $300, $500, $750, or $1,000 Accidental Death Benefit $10,000 available on all plans Critical Illness Benefit Up to $1,000 Choice of Coverage Date Varies based on enrollment date; next day effective is available Disclaimer: This is a brief description of VitalaCare accident and sickness hospital indemnity insurance plan. Please check the product certificate or master policy for complete details.

Plan Benefits - Disclaimer: The amounts listed above are fixed amounts and no other payments will be made.

Who can benefit from this coverage? Eligibility Adults ages 18-64 VitalaCare LM is great for those who: Don’t have the option of purchasing major medical coverage Can’t afford major medical coverage Are looking to supplement a higher deductible major medical plan

Limitations & Exclusions Pre-Existing Conditions Charges resulting directly or indirectly from a condition for which a covered person received medical treatment, diagnosis, care or advice, including diagnostic tests or medications, within the 12 month period immediately preceding such person’s certificate effective date are excluded for the first 12 months of coverage. Waiting Period 30 day waiting period immediately following the coverage effective date; does not apply to an injury Other Exclusions Pregnancy and elective medical services like cosmetic surgeries are not covered Disclaimer: This is a brief description of VitalaCare accident and sickness hospital indemnity insurance plan. Please check the product certificate or master policy for complete details.

Important Non-Negotiables to Remember Agents are required to educate consumers on how this plan handles pre-existing conditions in their state. Source: Non-Negotiables “Pre-Existing Conditions (Explanation)”

MultiPlan Persons insured under this plan may choose to be treated within, or out of, the MultiPlan network. This membership entitles your clients access to doctors and hospital facilities who have contracted to provide specific medical care at negotiated prices. Locate providers at: www.multiplan.com Approximately 900,000 healthcare providers under contract Estimated 57 million consumers accessing the network products 40 million claims processed through the networks each year

Important Non-Negotiables to Remember The amount of reduction varies by state and type of medical services received. The repriced amount varies by state and type of medical services received and is not a standard or fixed amount. Source: Non-Negotiables “Network Repricing”

National Congress of Employers NCE is the National Congress of Employers, a national association that represents America’s small and medium sized businesses via networking, advocacy, and information sharing. The NCE seeks to provide its members with reliable services, resources, and benefits regardless of one’s circumstances or means. NCE Membership Benefits includes **GapAfford Plus which gives members access to pre-negotiated, lowered rates on out-of-pocket medical expenses like. The Aetna Dental Access ® Network Prescription Discount Benefits Pet Rx Alternative Medicine Chiropractic Care Hearing Savings Program Imaging Savings Program Laboratory Savings Program Medical Bill Negotiations Medical Supplies and Equipment Physical Therapy Vitamins and Supplements 24/7 Health Information Line 24/7 Nurse Help Line ** Please note that There are no: • Deductibles • Pre-existing condition limitations • Medical exams • Claim forms • Limitation on usage Disclaimer: Not affiliated with LifeShield National Insurance Co.

Important Non-Negotiables to Remember Agents in states where membership is required must make consumers aware of the association and the benefits they offer. Source: Non- Negotiables “Association Product”

With ScripPal there are no fees or charges to enroll, and it never expires. Your members can use this card to save an average of 46% for their whole family, including pets, at more than 60,000 pharmacies nationwide. At the Rx Helpline, a team of advocates specializes in finding the lowest cost alternative for prescription medications. The team has helped over one million people navigate the complex system of prescription coverage and save money on their medications. Telephone consulting with Rx Helpline advocates to navigate the options is at members’ fingertips. The team helps individuals get their medications for the lowest possible cost – and sometimes even for free. Karis360’s team of expert Patient Advisors work with members to assist in navigating the confusing and expensive world of healthcare, taking the hassle out of healthcare and saving them valuable time and money. Teladoc gives your clients 24/7/365 access to U.S. board-certified doctors who can resolve many of their medical issues via phone or online video. There is a one-time registration fee of $10 per person required before the first consultation. Disclaimer: Not affiliated with LifeShield National Insurance Co.

Important Non-Negotiables to Remember Agents must inform consumers that membership benefits and Rx programs are not insurance and do not provide coverage and that they only provide discounts and services. Source: Non-Negotiables “This is Not Insurance”

Start Selling HOW TO GET STARTED Just in Time appointment is available in most states except in states where pre-appointment is mandatory. To confirm this product is available in the state that you sell, please see the State Availability Chart in your Agent Portal.

Important Non-Negotiables to Remember You must be licensed to sell in the state. Source: Non- Negotiables “Have Your License # Handy”

Questions? Please reach out by: Calling 877-376-5831 and selecting option 3 Emailing SalesSupport@hiiquote.com HIIQuote.com