VALUE MED PLAN PRODUCT TRAINING PRESENTED BY: GENERAL AGENT CENTER

GENERAL AGENT CENTER – SINCE 1973 GENERAL AGENT CENTER creates innovative health products based on consumer needs and market trends. ▪ Serving over 20,000 agents nationwide ▪ Marketing & Customer Service Departments staffed to assist agents needs attentively and efficiently VALUE BENEFITS OF AMERICA, INC., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest to members as to enhance the quality of life for members by offering benefits and discount services for association members. VALUE MED PLAN is underwritten by Guarantee Trust Life Insurance Company and The United National Life Insurance Company of America. Value Med Plan is an inventive and affordable limited benefit health insurance product.

WHAT IS VALUE MED PLAN?

VMP

PLAN FEATURES IN MOST STATES, benefits include doctor’s office visits, daily hospital confinement, outpatient services, ambulance and a first diagnosis cancer benefit. ▪ GUARANTEED RENEWABLE TO AGE 65 ▪ PAYS IN ADDITION TO OTHER INSURANCE ▪ USE ANY PROVIDER – NO NETWORK ▪ BENEFITS PAID DIRECTLY TO THE INSURED ▪ NO DEDUCTIBLE ▪ NO CO-PAYS

FIRST DIAGNOSIS CANCER BENEFIT Upgradable to $10,000 $5,000 DOCTOR’S OFFICE VISITS Physicians Office Visits – 10 per year each insured adult, 5 per calendar year for all children combined; limit one visit per week per insured $75 / EACH DAILY HOSPITAL BENEFITS Daily hospital confinement cash benefit from the first day up to 365 days per the lifetime of the policy $1,000, $500 OR $100 DAILY OUTPATIENT BENEFITS Pays $100 per sickness or injury up to $200 per calendar year, per covered adult ad for each covered child $100 PER SICKNESS OR INJURY AMBULANCE BENEFITS Pays expenses incurred for ambulance services due to a covered injury or sickness $200 PER SICKNESS OR ACCIDENT PLAN BENEFITS

PLAN VERSATILITY UNIQUE VALUE MED PLAN CHARACTERISTICS ▪ GROUPS & LIST BILL – MINIMUM OF 5 OR MORE ▪ MONTHLY BANK DRAFT ▪ QUARTERLY, SEMI-ANNUAL, OR ANNUAL MODES AVAILABLE FOR DIRECT BILLING ▪ ONE PAGE APPLICATION ▪ QUALIFIES FOR SECTION 125

PAYS IN ADDITION TO OTHER COVERAGE’S PAYS BENEFITS FOR MEDICAL TREATMENT DUE TO SICKNESS & ACCIDENT ONLY. SEE BROCHURE FOR DETAILED EXCLUSIONS & LIMITATIONS. PAYS BENEFITS DIRECTLY TO THE INSURED, OR ASSIGNABLE TO THE PROVIDER. AFTER MEDICAL TREATMENT DUE TO SICKNESS OR ACCIDENT, THE INSURED MUST FILL THE CLAIM. IMPORTANT INFORMATION For questions regarding billing or policy issue, underwriting or claims, or to obtain a claim form, the client must contact the respective underwriter: GTL: UNL:

AL AK AZ AR CA CO DE DC GA HI ID MOST STATES IL IN IA KY LA MD MI MS MO NE NV OH NM OK PA SC TN TX UT VA WV WI WY

AL AK AZ AR CA CO DE DC GA HI ID MOST STATES IL IN IA KY LA MD MI MS MO NE NV OH NM OK PA SC TN TX UT VA WV WI WY

OR, SD & WA ONLY

WA RATES OR & SD RATES

SIMPLIFIED MEDICAL QUESTIONS APPLICATIONS VARY BY STATE Questions 4 and 5 do not apply for OR, SD & WA

ADDITIONAL PLAN BENETITS – VBA MEMBERSHIP UNLIMITED MD HOTLINE CONSULTATIONS MD HOTLINE SAVE ON Rx, DENTAL & MUCH MORE EBC CARD SAVINGS ENJOY DINING, SHOPPING & MUCH MORE DIVIDEND CLUB REWARDS

VBA MEMBERSHIP BENEFITS Have you ever needed a doctor while traveling or on the weekends? Have you ever needed a prescription when your doctor is unavailable? With the new MD Hotline app, the doctor is always in. Access a board certified physician when you need treatment, where you need treatment without all the hassle that comes with a traditional doctor's appointment. The MD Hotline app gives you instant access to a board certified physician, EBC savings and much, much more! Available now for download via I-Tunes or Google Play. Or, Scan the QR Code for immediate download!

VBA MEMBERSHIP BENEFITS

Dental: 15% - 40% Lab Tests: 10% - 50% Diabetic Supplies: 15% - 50% Rx Prescriptions: Up to 65% X-Rays & Imaging: 10% - 50% Hearing: Up to 15% Vision & Lasik: 10% -50% VMP MEMBERSHIP BENEFITS - EBC

Procedures Usual FeeSavingsMember Pays Routine Check-up $44.00$10.00$34.00 Four Bitewing X-Rays $56.00$16.00$40.00 Adult Cleaning $80.00$30.00$ Surface White Filling $140.00$60.00$80.00 Single Crown - Porcelain on High Noble Metal $950.00$305.00$ Root Canal - Molar $880.00$210.00$ Full Upper Denture $1,500.00$625.00$ Single Tooth Extraction $145.00$65.00$80.00 EXAMPLE DENTAL SAVINGS Drug Name Regular Price Discounted Price Savings Ambien$57.84$ % Labetalol HCL$9.64$7.7324% Omeprazole 20mg $56.72$ % Lipitor$148.78$ % Hydrocodon- Acetaminophi n $37.46$ % Zyrtec$74.58$ % EXAMPLE Rx SAVINGS

ACTUAL DENTAL VISIT BILL DISCOUNTED THROUGH THE FREE ENHANCED BENEFITS CARD

Dividend club members receive savings on everything from appliances, home decor & furnishings, theme parks, restaurants, clothing & accessories, footwear, department & superstores, and so much more. Save enough money each month while eating out to more than pay for your membership! Members save an extra 20% on top of Restaurant.com’s dining deals that are already as high as 60% off! You may save thousands of dollars each year by shopping the hundreds of Dividend Club Merchants as an Association Member. There are merchants and products for almost all you could need or imagine. Members can save up to 25% off when making a reservation with Avis Worldwide Membership also includes discounts on products and services at FedEx Office. Enjoy a 30% discount on copy services as well as a 10% discount on additional FedEx Office products and services.

VALUE BENEFITS OF AMERICA MEMBERHSIP BENEFITS

FAQ VALUE MED PLAN QUESTION & ANSWER EFFECTIVE DATE? > APPLICATION DATE Unless otherwise requested (up to 30 days after approval date) MONTHLY DRAFT DATE? > APPLICATION DATE Unless otherwise requested; First draft: application date CHANGES OR CANCELLATIONS? Must be sent to GAC in writing Received prior to draft date: Cancellation effective immediately; same month Received after draft date: Cancellation effective following month SUPPLIES & OTHER QUESTIONS See your Marketing Director or Contact GAC

REGISTER FOR YOUR PRODUCT LINKS STEP 1: Go to: Click “agents” Click “request on-line enrollment link” STEP 2: Scroll to the bottom of the page and click on “click here for registration form” COMPLETE & SUBMIT the registration form STEP 3: Erik Lunt after completing registration:

USING YOUR PERSONAL LINK SELLING MADE EASY! ▪ URL TO POTENTIAL CLIENTS ▪ INSERT URL ON YOUR WEBSITE YOUR LINK WILL CODE NEW BUSINESS TO YOU AUTOMATICALLY AGENT NAME AGENT PHONE NUMBER AGENT ADDRESS & INFO