Symetra Financial Sales Presentation February 2007

Symetra-BMR Proprietary and Confidential – February A New Offering From Symetra Financial  Symetra Financial Now Offers Prescription Drug Program Alternatives through a partnership with Broadreach Medical Resources (BMR)  Adopting a BMR Drug Program may reduce your maximum liability under your Stop Loss Policy

Symetra-BMR Proprietary and Confidential – February A.BMR is a Prescription Drug Program Administrator 1. BMR Saves 20% to 30% of Program Cost 2. BMR’s current trend is 4.4% or less than 50% of the current average marketplace Rx trend 3. BMR Offers all traditional PBM services including 56,000 Pharmacies 4. BMR is a new Business Model with Different Business Practices Broadreach Medical Resources (BMR)

Symetra-BMR Proprietary and Confidential – February Broadreach Medical Resources (BMR) B.BMR Offers Sound Administrative Solutions to Lower and Control Drug Costs 1.BMR’s “Transparency is Absolute SM.” a.BMR’s Administrative Fee is its only source of revenue. There are no hidden revenue sources, margins or spread pricing. b.BMR practices Full Disclosure of all Business Practices, Contracts and Pricing. c.With BMR, there is no Vertical Integration of Delivery Systems (Mail and Specialty Pharmacy with Private Label Programs – Repackaging) that may cause conflicts of interest.

Symetra-BMR Proprietary and Confidential – February C. BMR services your Drug Program through: 1. Initial Comprehensive Pharmacy Claim Audit and Plan Review (validates savings at no charge) 2. Ongoing Database Management  Risk Management  Clinical Outcomes 3. Quarterly Drug Program Evaluations using Proprietary Analytical Software (Repricing, Therapeutic Category Analysis, Cumulative Claims, Risk Stratification) 4. Underwriting Services 5. Comprehensive Clinical Management Services 6. A Program Cost Guarantee through Symetra Broadreach Medical Resources (BMR)

Symetra-BMR Proprietary and Confidential – February BMR Case Study - Summary of Program Costs BMR received claim history from the current vendor for the period January 2005 through December BMR repriced each prescription claim as if it were a BMR program. The following table summarizes program cost results for this 30,000 member health plan. Paid Cost PaidPer Rx*per Member 2005 Actual$17,836,842$57.04$1, Trended to 2006 Benchmark$20,435,665$62.34$1,650 BMR Target$18,632,573$57.83$1,505 BMR 2006 Actual$16,421,676$50.09$1,334 Difference BMR to 2005 Actual($1,415,167)($6.95)$106 Difference BMR to 2006 Benchmark($4,013,990)($12.25)$316 Plan Components Formulary Physician Education Generics with DAW Maintenance Drug List Step Therapy Injectables Covered in Medical or under arrangements with other Dose Optimization than copay with prior authorization including education & clinical Quantity Limitations evaluation * Includes Administrative Fee and Rebates.

Symetra-BMR Proprietary and Confidential – February Components of Savings Assumes the Adoption of all BMR Initiatives Potential Average Savings Percentages  Price6.8%  Formulary7.3%  Clinical Programs15.3%  Trend5.5% BMR Initiatives may be offered on an a-la-carte basis

Symetra-BMR Proprietary and Confidential – February How will Symetra Clients be Affected?  Symetra will continue to provide Stop Loss Quotes based on Current Vendors.  Symetra will also issue a comparative Quote with a BMR Drug Program with the objective of lowering the maximum liability of employers.  Symetra is now offering a stand-alone Stop Loss Policy for entities that carve-out prescription drug coverage.  Symetra employers will realize future savings through reduced trend.

Symetra-BMR Proprietary and Confidential – February Aggregate Stop Loss Illustration Reimbursement Percentage:100% Maximum Reimbursement: $1,000,000 Covered Expenses:As defined below Aggregate Corridor (Margin)125% Commissions Payable on Aggregate Premium:10.00% Medical Services, separate Prescription Drug Card & Mail Order, Vision $100,000 Current Vendors $100,000 Current BMR Enroll/Monthly Factors (Composite): 358$572.58$ Single194$322.73$ Family164$868.14$ Estimated Total Premium $2,459,804$2,336,809 Savings$ 122,995 Assumes prescription drug costs are 25% of medical costs and BMR saves 20% for a Symetra credit of 5%.