Group Health Insurance for Retirees Group Benefits. Individual Service. GRP Liberty National Life Insurance Company United American Insurance Company First United American Life Insurance Company

The Company Behind The Coverage Based on state availability, policies underwritten by Torchmark Corporation affiliates: United American Insurance Company First United American Life Insurance Company Liberty National Life Insurance Company A+ (Superior) Financial Strength from A.M. Best Company (as of 6/10) AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 05/10) Firmly established in the Group Retiree Health market for employer, union and association groups

Why Choose United American? Experienced, reliable insurer Flexible, custom-built benefit programs Competitive rates, first year and renewal Guaranteed acceptance Freedom to choose providers Excellent service and customer satisfaction Group benefits with individual service

Easy to Do Business With Personalized attention from dedicated group insurance professionals Flexible and creative solutions Fast turnaround time – Simple quoting process – New group enrollment made easy No individual applications required List billing is available

Niche Markets We can customize a group health plan to fit your needs Deductibles, Coinsurance and Out-of-Pocket Maximum riders aid in limiting costs and liabilities Plans automatically revised according to Medicare changes each year Accurate coordination of benefits and coverage with Medicare Group Retiree Health

Niche Markets Creatively designed plans to meet the needs of diverse employer/union groups. Most plans provide coverage through the coverage gap (the "donut hole") Our Pharmacy Benefit Manager (PBM), MEDCO, is one of the nation’s leading drug providers Standard formulary includes most of the 100 most frequently prescribed drugs (according to the Center for Medicare and Medicaid Services (CMS) Group Medicare Part D

Competitive Rates Rate philosophy – focus on long term relationships and renewals to grow business Low administrative costs – All administrative functions performed in-house – Little to no advertising expenses Group Retiree Health renewal rate increases are consistently low

Group Retiree Health Rate Increase History

Senior Market Experience Providing Group Retiree Health coverage and Part D since the beginning Stick to core business – Senior medical insurance is a key market Company continually maximizes operating efficiencies for the senior market – Live customer service representatives – Pioneered “Automatic” Claims Filing ® (ACF) PLUS – No provider lists or referral process – Streamlined process of providing monthly medical and prescription claims activity

Diversified Client Base Insuring groups from a variety of industries – Auto Manufacturers – Charitable and Service Organizations – Hospitals – Insurers and Financial Institutions – Labor Unions – Mining Companies – Municipalities – Religious Groups – Schools and Universities No industry is excluded for consideration

Service Statistics 98% retention rate for Group Retiree Health plans over the past five years Consistently low group rate increases upon renewal "Automatic" Claims Filing PLUS (ACF PLUS) — virtually eliminates claims filing paperwork We typically process health claims in less than 3 calendar days* Customer Service calls are answered by live representatives * According to company records

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