Solutions Cancer and Intensive Care Policy & Pulse Protection Series Heart Disease, Heart Attack, and Stroke Policy Underwritten by Washington National Insurance Company

Washington National Insurance Co. Our Strengths Currently serve 2 million supplemental health insurance policy owners and nearly 5 million customers across America. Protecting American families for more than 30 years. Already returned more than $250 million through premium- back feature. Never raised rates on an existing supplement policyholder.

According to the American Cancer Society (2004 facts): Cancer is affecting more people Men have a little less than 1-in-2 lifetime risk of developing cancer. Women have a little more than 1-in-3 lifetime risk. 3 out of 4 families will be affected by cancer. Cancer is the leading cause of death by disease in children between ages 1 and 14. The relative contribution from the environment toward cancer risk is about 80-90%.

According to the American Heart Association (2003 facts): Heart Disease and Stroke are always in the news They are affecting more people… Heart attacks affected as many as 1.1 million Americans in Almost 700,000 Americans will experience a new or recurrent stroke each year. and playing no favorites Over one-third of all heart attacks occur in people under the age of 65. Strokes are a leading cause of serious disability; 53% of all stroke victims are women. Nearly two-thirds of people who had heart attacks in 2000 were men.

GOOD NEWS!! Cancer is treated by surgery, radiation, chemicals, hormones and immunotherapy. The 5-year relative survival rate of those diagnosed with cancer is 63%. 50%-70% of stroke survivors regain independence. One-third of the 1.1 million heart attack victims in 2000 made a complete recovery. 88% of heart attack survivors under the age of 65 can return to work.

However, Advanced treatments may be expensive, and the cost of travel and related expenses can be enormous. Your savings and your family’s financial independence might not survive your cancer and heart treatments! 66% of the total cost of cancer treatments and more than 40% of the total cost of heart treatments are non- medical in nature and consequently, may not be paid by major medical insurance.

Fighting Cancer and Heart/Stroke Can Be Very Costly Major medical insurance is designed to take care of the doctor and hospital bills, but it seldom pays for everything. Many times a hospital stay for cancer, heart disease, heart attack, or a stroke can have a significant impact on a family’s finances.

There are two basic costs associated with these illnesses: Medical Expenses—covered by medical insurance Non-Medical Expenses—out of pocket  Loss of Income  Living Expenses  Transportation & Lodging  Eating Out  Long Distance  Special Foods  Child Care  Insurance Shortfalls (deductibles, co-payments, benefit limitations)

Everyone’s financial puzzle will look different. But the Solutions Cancer & The Pulse Protection can help you fill many of the gaps in your major medical plan and help you solve the financial puzzle that cancer and heart disease, heart attack and stroke may cause.

Solutions & Pulse Protection Guarantees Direct benefits. Benefits are paid directly to you or whomever you choose. Guaranteed payments. Your benefits are paid regardless of any other insurance you have. Coverage. A family policy may cover you, your legal spouse, and all your unmarried children until age 21. Your unmarried children are covered to age 26 if they are full-time students. Lifetime renewability. Your insurance policy is guaranteed renewable for life – it can’t be cancelled because of your age or state of health.

Solutions & Pulse Protection Guarantees Benefits are never reduced as you get older. Premiums do not increase due to age or claim. Level premium. Your premium does not change as a result of leaving your payroll group. Effective Date is the first of following month when completed by the 14 th of the month. Cancer and heart coverage begins 30 days after and ICU coverage beings 2 days after effective date.

Solutions Protection In-Hospital Benefits First Occurrence Express Payment of $1000 for internal cancer (one time payment) Children additional 50% Heath Care Advocate RN will help you navigate the healthcare system—backed by a staff of medical doctors and administrative experts. Supportive services include: Finding physicians and medical institutions Accessing community/educational resources Solving claims and billing issues Hospital Confinement Days 1-30 $100/day, 31+ $200/day, no max Drugs & Diagnostic Testing up to $30/day Attending Physician up to $20/day

Solutions Protection In-Hospital Benefits Transportation (insured) up to $750/trip or.40/mile Transportation (family member) up to $750/trip or.40/mile Lodging (family member) up to $50/night Ambulance up to $150 per trip

Solutions Protection In or Out-Patient Benefits Second and Third Surgical Opinion up to $175/opinion Surgery up to $5000/surgery (surgery schedule, includes biopsies) Reconstructive Breast Surgery Anesthesia 25% of surgical schedule (up to $1250) Blood & Plasma $40/unit—includes donated blood, plasma and platelets regardless if charged! Radiation up to $200/day, no monthly maximum Chemo injected by medical personnel up to $200/day, no monthly maximum Other Chemo up to $200/drug subject, combined max of $1600/mo

Solutions Protection In or Out-Patient Benefits Surgical Prosthesis up to $1000/device, non-surgical up to $250 lifetime max Comfort Drugs (outpatient) up to $75/mo Wigs & Hairpieces up to $250 lifetime Skilled Nursing Facility up to $50/day Hospice 1-60 days $60/day, 61+ days $30/day unlimited Waiver of Premium after 90 days

Solutions Protection Option—Alternative Care Benefits Integrative Assessment and Education up to $250 ◦ By accredited practitioner Ameliorative Benefit up to $50/visit, 20 visits per year ◦ accredited practitioner for acupuncture, massage therapy, biofeedback and hypnosis Curative Benefit up to $100/visit, 20 visits per year ◦ accredited practitioner for naturopathic, homeopathic, ayurvedic, and herbalist Lifestyle Benefit up to $50/visit, 20 visits per year ◦ accredited practitioner for smoking cessation, yoga, meditation, relaxation techniques, Tai-Chi and nutritional counseling.

Solutions Protection Option—Level 1 Hospital Intensive Care Rider ◦ $500/day up to 30 days per confinement ◦ Double the benefits for vehicular accidents ($1000/day) ◦ Ambulance Benefit up to $150 per trip ◦ Children less than 1 year old $150/day ◦ Children over 1 year old $750/day ◦ Pays benefits for sub-acute ICU ◦ Blood and Plasma benefits $25/day ◦ Benefits begin first day for accident, second day for sickness

Pulse Protection Unlimited Lifetime Benefits Hospital Confinement $100/day (option 2) Surgery up to $2,500 per surgery Anesthesia up $625 per operation Skilled Nursing Facility up to $50/day Private Nurse up to $50/day Drugs & Medicine up to $20/day Attending Physician up to $20/day Ambulance up to $50 per trip

Pulse Protection Unlimited Lifetime Benefits Blood & Plasma $30/unit Electrocardiogram up to $100 per confinement Oxygen up to $100 per confinement Transportation for insured up to $750 or 15 cents per mile by car Transportation for family member up to $750 or 15 cents per mile by car Lodging (family member) up to $30/day Heart transplant up to $100,000

ROP Return of Premium Protection today, money back tomorrow!

Return of Premium – Money-Back Advantage Here are three examples of how the Premium Back Advantage works when you keep your insurance in force: No Claim Small Claim Large Claim Total premiums paid* $9,600 $9,600 $ 9,600 Claims incurred 0 -2, ,000 Amount of return $9,600 $7,600 $ 0 *Refund based on premiums actually paid over 20 year period

Return of Premium – Money-Back Advantage Then after your money is returned, you can… …keep the policy for life at the same rate… …take it with you into retirement…and …still get your money back every 20 years or at age 75, whichever comes first. A WIN-WIN POLICY!

Return of Premium – Money-Back Advantage You’re guaranteed to be paid with a: Refund Claim Return of premium less any claims incurred

BENEFIT COMBINATION EE EE&Child EE&Family Cancer Plan $ 9.35 $11.40 $17.10 Cancer Plan with Alternative Care Cancer Plan with ICU Cancer Plan with Alternative Care and ICU Heart Plan Cancer Plan with Heart Plan Cancer Plan with Alternative Care and Heart Plan Cancer Plan with ICU and Heart Plan Cancer Plan with Alternative Care, ICU and Heart Plan

When rates are so affordable, why risk not having this valuable protection? None of us want to think about cancer or heart disease until it happens It’s your good health that qualifies you now See if you qualify! Many combinations of coverage to fit your budget Start with something that fits your budget— can add more later if qualify All coverage is portable

Thank you! Joan Buckner