United American Insurance Company Proudly Serving Americans Since 1947 UAUHP-05 Agent Training 0705

What United American Stands For… Stability — Meeting the life and health insurance needs of the public for over half a century Financial Strength Quality Protection — Insurance coverage to protect you and your family now as well as in years to come Superior Service — One-on-one personal service for the life of your policy, backed by Home Office support staff That’s our way… the United American way. A+ “Superior” financial strength rating from A.M. Best* AA “Very Strong” claims paying ability rating from Standard & Poor’s* *ratings as of 6/05, 8/04 respectively

What are the headlines saying? Health care costs still rising faster than the economy! & More people uninsured! Sources: Health Affairs, June 2003 AHIP, “2004 Elections: Medicare, the Uninsured, and Rising Costs Take Center Stage in Health Care Debate”, January/February 2004

Americans Face a Healthcare Crisis! Healthcare costs continue to advance much faster than the rest of the U.S. economy: 8.5% increase in % increase in % increase in 2003 Sources: Health Affairs, June 2004 National Coalition on Health Care, “Facts on Health Insurance Cost,” 2003 Centers for Medicare & Medicaid Services Costs are slowing but still far exceed the rate of general inflation!

The Cost of Health Care Insurance premiums have risen at a rate even greater than the rate of health care inflation. According to experts, “Consumers can expect to pay more for greater access to health care.” Sources: PricewaterhouseCoopers, April 2002 Factors Driving Rising Costs in Healthcare

Persons Without Health Insurance Rising costs in healthcare are pushing up health insurance premiums and forcing Americans into the ranks of the uninsured. It becomes a problem if you are a member of the Uninsured! Source: United States Department of Commerce News, September 30, — 34.1 million 1996 — 40.9 million 2002 — 41.2 million 2003 — 43.6 million 2004 — 45 million

United American Insurance Card In order to receive non-emergency or post-stabilization treatment, consumers must demonstrate an ability to pay … This is when your United American health insurance card is most valuable! Name: PAULA C. HOLDERPolicy Number Effective The problem becomes finding affordable health insurance.

Where Do the Largest Medical Expenses Occur?  Hospital Confinement  Surgical Expenses  Emergency Room Charges Source: Strunk, Bradley, and Ginsburg, Paul, Tracking Health Care Costs: Spending Slowdown Stalls in First Half of 2004, Dec. 2004

Hospital Confinement vs. Doctor’s Office Bills Odds are 1 in 7 that you or a family member will have a hospital stay this year. * Average hospital confinement includes room/board, surgical, miscellaneous and emergency expenses. $3,972 was the average national daily hospital charge in ** Sources:* U.S. Department of Labor; ** Current Trends in Health Care and Dental Costs Utilization, 2004 Edition; Mutual of Omaha As compared to the larger medical expenses above, the average cost of a doctor office visit in 2003 was relatively low. It was only $83! **

Therefore, the most important areas to cover are:  Hospital Confinement  Surgical Expenses  Emergency Room Charges

Guaranteed renewable individual policies, not collectively renewable Issue age pricing, not attained age pricing No pre-authorization Excellent industry ratings & claim paying abilities No associations or association dues Use anywhere in the USA Local Home Office and Agent support No lifetime maximums Freedom of choice Choosing a Healthcare Insurance Policy Important things to consider!

It’s YOUR health! YOU choose your healthcare providers. WHO? WHAT? WHEN? WHERE? These are questions that YOU answer! With United American, you are in control of your health care — no gatekeepers, no primary care physicians, no pre-certification, no worries about using out-of-network providers which could run up huge co-payment obligations. UA’s Freedom of Choice That’s our way… the United American way!

United American’s GOOD SENSE PLAN An Affordable Health Insurance Policy that makes good sense!

GSP Specified Benefit Hospital and Surgical Expense Coverage for Individuals & Families DRB* Maximum $400 Issue Ages 0-63** *Daily Hospital Room Benefit **Ages 0-60 in CA Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP Eligible Hospital and Surgical Expenses Daily Room Benefit $400 per/day up to $292,000 Benefits are payable for as long as two years for each covered injury or sickness beginning with the first day of hospital confinement. Benefits renew for each new covered injury or sickness. Intensive Care Benefit $800 per/day up to $72,000 Two times the Daily Room Benefit is payable in lieu of Daily Room Benefit for up to 90 days of confinement in an intensive care unit of a hospital for each injury or sickness. Benefits renew for each new covered injury or sickness. Surgical Expense Benefit up to $7,500 Benefits are payable for surgical operations due to each injury or sickness per schedule (up to $7,500). Benefits renew for each new covered injury or sickness. Assistant Surgeon’s Benefit up to $1,500 20% of the surgical benefit payable. Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP Eligible Hospital and Surgical Expenses Administration of Anesthetic Benefit up to $1,875 Benefits are payable for administration of anesthetic up to 25% of the surgical benefit payable. Benefits renew for each new covered injury or sickness. Radiotherapy Benefit up to $7,500 Benefits are payable in lieu of other policy benefits for radiotherapy treatment IN or OUT of hospital for each injury or sickness. Benefits renew for each new covered injury or sickness. Registered Nurse Benefit up to $15,300 Benefits are payable for full-time private duty services of a Registered Nurse (R.N.) up to $85.00 per 8-hour shift for 2 shifts per day for up to 90 days for each injury or sickness. Benefits renew for each new covered injury or sickness. Ambulance Benefit up to $150 Benefits are payable for ambulance expense for each injury or sickness. Benefits renew for each new covered injury or sickness. Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP Eligible Hospital and Surgical Expenses In-Hospital Medical Expense Benefitup to $2,000 Benefits are payable for expenses incurred up to $35 per visit, one visit each day, up to $2,000 for doctor’s visit for each injury or sickness not requiring surgery. Benefits renew for each new covered injury or sickness. Miscellaneous Hospital Expense up to $25,000 Benefits are payable for miscellaneous hospital expense (less $500 deductible) at the rate of 80% of the expense incurred, other than room charges or physician fees, up to $25,000 (plus $500 if the maximum is reached) for each injury or sickness. This benefit is payable during a hospital confinement or when surgery is performed in a hospital on an outpatient basis. Benefits renew for each new covered injury or sickness. Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP Eligible Hospital and Surgical Expenses Outpatient Hospital Benefit up to $200 Benefits are payable for treatment at a hospital for any one covered injury or sickness not requiring confinement as a resident patient. (Except when a larger benefit would result from miscellaneous hospital expense benefit because of surgery performed in the hospital on an outpatient basis.) Benefits renew for each new covered injury or sickness. Additional benefits available in most states Males over 50 — yearly prostate cancer screening Females over 35 — yearly mammogram Breast reconstructive surgery All insureds — diabetic equipment, supplies and training Guaranteed renewable Individually owned policy Issue age pricing Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP Eligible Hospital and Surgical Expenses Accidental Death Benefit The premiums paid for an Insured’s coverage will be refunded if the Insured’s death results from accidental bodily injury. Example: $200 a month premium x 12 months x 5 years = $12,000 Refunded Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions. LIMITATIONS AND EXCLUSIONS We will not pay benefits under this policy for: 1.Normal pregnancy (including childbirth); or 2.Rest cure, custodial care or functional nervous or mental disorders; or 3.Any Hospital Stay or other service for which You or a Family Member do not incur a charge; or 4.Any loss covered by any Worker’s Compensation or Employers’ Liability Law; or 5.Any Hospital Stay or other service that is not medically necessary; or 6.Any expense incurred in excess of the usual, customary and regular charges for any service or materials in the geographic area where furnished; or 7.Charges incurred for professional radiological or pathological interpretation; or 8.Rehabilitative care services received at a facility not meeting the definition of a Hospital.

Consider these additional UA Supplemental Health products...

Additional Benefits paid under Policy Form UA-250 Plans/benefits may vary by state.

Additional Benefits paid under Policy Form CILS Plans/benefits may vary by state. See application/brochure for Limitations & Exclusions

Additional Benefits paid under Cash Cancer Product This is a cancer only policy. Policy Form CANB/CANLS. Plans/benefits may vary by state. First diagnosis, cash benefit supplemental cancer policy. Pays one-time cash payment. Benefit paid upon written satisfactory proof of first diagnosis, as specified in the policy, of internal cancer or malignant melanoma. Coverage for Individual, Single Parent and Family. Issue ages Policy pays in addition to any other existing coverage. No hospitalization or treatment required to collect the full benefit amount due.

Additional Benefits paid under Policy Form SMXC Plans/benefits may vary by state.

Additional Benefits paid under Policy Form SSXC Plans/benefits may vary by state.

Additional Benefits paid under Policy Form HMXC Plans/benefits may vary by state.

UA Partners ® Program Dental Vision Hearing Chiropractic Prescription Drug Vitamins & Nutritional Supplements 24-Hour Nurse HelpLine Travel Assist Our optional health discount services program includes: This is NOT a health insurance policy. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. This plan is administered by Best Benefits, Inc., (a discount medical plan organization) at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631, Members have the right to cancel and receive a full refund within 30 days of the effective date.

Nationwide discount health services program with savings for: Chiropractic Dental Eye Care Hearing Aids Prescriptions Mail Order Pharmacy Up to 40% Up to 50% Up to 20% Up to 30% Save More $$ UA Partners ® Program

Why United American? Providing quality health protection since 1947 Excellent ratings with A.M. Best and Standard & Poor’s Fast policy issue (4-6 weeks) Local office Personal support (always speak with a live person, either Home Office staff or Agent) Individual qualification (not a group plan) Guaranteed renewable policies, as long as premiums are paid on time Issue age pricing No associations or association dues Freedom of Choice UA Partners helps drive down the cost of health care services