A D V A N T A G E A G E N T 0 7

2 Introduction Foundation of Advantage Agent Making it easier for you to do business with us Agents First Advantage Agent 07 Expanded options for expanding your business

Agents, Our First Customers AGENTS FIRST

4 Agents First We recognize that without you we wouldnt be in business We value the pivotal role you play in getting Assurant Health policies in front of your clients We appreciate your efforts on behalf of Assurant Health

5 Agenda New Supplemental Products Tools to Help You Sell Individual Medical Product Updates Question and Answers

New Supplemental Products

7 New products that can be added to an Individual Medical sale: Creating additional revenue opportunities Making it easy – One convenient application – Convenient, consolidated billing

8 Life Insurance Increased commissions on both the Medical and Life sale Affordable premiums Available with CoreMed, MaxPlan and OneDeductible plans Underwritten by Time Insurance Company

9 * Point increase varies based on your current commission level. Rates based on the CoreMed plan, MI, ZIP 49201, $2,000 deductible, 80% benefit percentage, $6 million lifetime maximum, $0 facility fee, effective date of 5/1/2007, Male age 42 (primary insured, standard rates), spouse age 42 (preferred rates), two children. $50,000 face value primary insured only Note: Spouse-only coverage is also available. Life Insurance Commission Example Premium: Medical coverage annualized premium$3,413 Life annualized premium$ 177 TOTAL$3,590 What youll earn: Medical-only commission ($3,413 x 33%)$1126 Medical with Life Commission ($3,590 x 38%) $1,364 Earn an additional $238!

10 Life Insurance Key client features Coverage available for primary insured, spouse and dependents Spouse-only coverage available Primary insured or spouse face amounts: $50,000, $75,000, $100,000, $150,000 and $200,000.* Dependent face amounts: Age 2 months to 1 year: $2,000 Age 1-18 years: $10,000 and $25,000* * In ID, KY, MT, NH, OK and OR, the $150,000 and $200,000 face values are not available for primary or spouse. The $25,000 face value is not available for dependents.

11 Life Insurance More client features Coverage for persons up to age 64 Accidental death benefit equal to two times the face amount Accelerated benefit equal to 50% of face amount of policy paid if covered person is diagnosed with a terminal illness life expectancy of 12 months or less

12 Life Insurance Sales Made Easy One simple application for both health and life coverage No additional underwriting No paramed exam requiredeven at the highest face amounts The convenience of consolidated billing

13 Dental Insurance Key agent features You can now offer your clients the added protection of Dental Insurance the process is simple for all involved Key agent features Easy quoting and submission – Just click a box! Quick approval - No additional underwriting Underwritten by Time Insurance Company More commissionpaid same as medical

14 Dental Insurance Key client features You can now offer your clients the added protection of Dental Insurance the process is simple for all involved Key client features One-stop shopping Cash benefits paid directly to clients or to providers Flexible coverage – choose any dentist Fast claims Convenient billing Portable Guaranteed renewable for life

15 Dental Insurance Plan Details Examples of Dental Wellness Benefits Benefits are immediately paid at 100% of the listed benefit Examples of Basic Dental Benefits - Year 1=50%, Year 2+=100% Examples of Major Dental Benefits - Year 1=20%, Year 2=50%, Year 3+=100% Combined maximum annual benefit for Basic and Major services per insured person: $1000 Examples of TMJ Services - Year 1-2=0%, Year 3+=$500 lifetime/insured person. Exams, X-Rays, Cleanings$25/visit Amalgam Three Surfaces$40 Extraction Erupted Tooth$20 Rebase complete or partial denture$60 Inlay Metallic Two Surfaces$125 Crown$125 Maxillary Sinusotomy$335 Temporomandibular Joint Arthrogram$90 Maxilla or Mandible Open Reduction$415 Mandible Closed Reduction$310 Example: Single Male, Age 41 Premium: $13.74/Month Example: Single Male, Age 41 Premium: $13.74/Month

16 No-Charge Dental with OneDeductible Dental insurance is included at no charge with all new OneDeductible plans in AL, AZ, MI, MT, OK and WY Provides coverage including: – Wellness Benefits – Basic Services – Major Services – TMJ Services No Charge!

17 Hospital Indemnity Insurance Key agent features The ideal complement to a medical plan with a higher deductible Key agent features – Easy quoting and submission Just click a box – Quick and easy approval No additional underwriting – Underwritten by Time Insurance Company – More commission paid same as medical Note: Available with CoreMed, MaxPlan and RightStart. Not available with OneDeductible or SaveRight HSA plans.

18 Hospital Indemnity Insurance Key client features The ideal complement to a medical plan with a higher deductible Key client features – Cash benefits paid directly to clients – Flexible coverage No restrictions on choice of doctors or hospitals – Fast claims – Convenient billing – Portable – Guaranteed renewable for life – One-stop shopping Note: Available with CoreMed, MaxPlan and RightStart. Not available with OneDeductible or SaveRight HSA plans.

19 Hospital Indemnity Plan Details Hospital Indemnity Insurance is available with CoreMed ®, MaxPlan ® and RightStart ® plans Examples of benefits: Initial Hospitalization$200 Hospital Confinement for Sicknesses Days 1 – 15 Days 16 – 180 Confinement beginning in the first 28 days after birth $50/day $100/day $50/day Hospital Confinement for Accidents Days 1 – 15 Days 16 – 180 $100/day $200/day Coma, Stroke or Paralysis$5,000/person Rehabilitation Unit$50/day Ambulance Ground Air Up to 2 trips/year per insured individual $100/trip $1,000/trip Outpatient Surgery$250/surgery Example: Single Male, Age 41 Premium: $19.88/Month Example: Single Male, Age 41 Premium: $19.88/Month

20 Policy Delivery Dental and Hospital Indemnity Policies – Mailed directly to clients under separate cover

21 Marketing Supplemental Products Supplemental products are featured in: – IM product brochures – IM master brochure

Tools to Help You Sell

23 Tools to Help You Sell Open 24/7 – Do business whenever you want EASE IM Proposal Software Both now include Express Underwriting

24 EASE You concentrate on your client, and let EASE concentrate on the details Always displays current rates and products Store all prospects online Electronic submission Real-time access to underwriting status Tools to help you sell – My Sales Link – My Web Page

25 EASE New features Quick Quote is now HELP ME CHOOSE Help Me Choose matches your clients preferences to our plan designs Answer a few simple questions to produce the 3 plans that best fit your clients need and budget

26 EASE Simplified Client Verification One screen for client review! Attestation in less time!

27 New IM Proposal Software Improved look and feel Built-in software update reminders New electronic submission capability – Now includes industry-leading Express Underwriting – Work offline and upload applications at your convenience

28 Application Submission Options Choose the one thats best for you! Option 1 Agent completes full submission in software You do quote then complete the 17 medical questions offline Upload application to EASE to submit Client verifies online Option 2 Agent uploads quote only You do quote then upload application into EASE Follow traditional EASE process for submission Option 3 Agent prints quote Use long-form paper application Use Tele-App paper application Attach printed quote New!

29 Express Underwriting The quickest way from quote to issue Ease – Complete the entire process online or offline no paperwork – One and Done no follow-up call required Speed – Healthy applicants answer as few as 17 questions – Policies issued in hours Control – You choose how involved you want to be – Uses 5-year medical history Increased placement 75% of applicants are issued without talking to an underwriter!

30 Five Steps for Express Underwriting Step 1: Run quote and complete the client demographic information. Select Begin Submission in Software to enter health history. Step 2: You complete the 17 health questions with client. Step 3: You upload completed application to Assurant Health via EASE. Step 4: Assurant Health sends online confirmation and link to verifyhealth.com you forward to client for their verification. Step 5: Client attests to information and submits back to Assurant Health for issue. Result: An issued policy in as few as hours.

31 Submit Options Preferred method

32 Completing the Health Questions Healthy clients quickly answer only 17 questions! Overall experience is improved for ALL clients – Policies can be issued in as few as 24 hours. Overall experience is improved for ALL clients – Policies can be issued in as few as 24 hours.

33 If a Client Answers Yes... Answers to certain questions prompt follow-up questions that are completed online Clients with extensive medical history may receive a call from an underwriter The Result: a faster, more efficient experience

34 Online Verification EASE includes a simple online verification process Clients receive link to verify their information online

Individual Medical Product Updates

36 Protection when your clients need it most Increases Outpatient Services Maximum by $25,000 per person per calendar year – Triggered based on diagnosis and treatment of cancer – Benefit amount is in addition to the outpatient annual maximum selected with the plan (ex. $10,000 benefit increases to $35,000) – Once benefit is activated, funds can be used for any covered outpatient expense - not just cancer-related expenses – Benefit resets each calendar year Optional benefit on all RightStart ® plans in most states RightStart ® Cancer Benefit

37 Easy to Sell No additional underwriting or paperwork required Rates are affordable – Example: a 41-year-old single male in WI ZIP can upgrade from a $10,000 outpatient benefit for $13.49/month RightStart ® Cancer Benefit

38 Examples of cancer treatments typically provided on an outpatient basis: Chemotherapy Radiation therapy Office visits to an oncologist Follow-up diagnostic and lab tests RightStart ® Cancer Benefit

39 HSA Enhancements Rates for OneDeductible plans with coinsurances of 80%, 60% or 50% have been reduced by 6% Convenient line of credit available to HSA Tools customers

40 HSA Enhancements Legislation Relaxed limits on 2007 HSA contributions Clients can contribute up to the full annual limit, regardless of when they open their accounts during the year. Contributions are no longer limited by the selected deductible. Account holders can contribute up to: – $2,850 for single coverage – $5,650 for family coverage More HSA information is available at:

41 Recurring Credit Card Payments Recurring credit card payment is now available for quarterly, semi-annual and annual billing modes in all states Recurring credit card payment remains available for all billing modes (including monthly) in AZ, CT, KS, NC and OH

42 Multiple-Year Rate Guarantees 2-year rate guarantee at no additional cost 3-year rate guarantee available – no renewal increase until 2010! – for client and agent peace-of-mind

43 $0 Deductible Package The $0 Deductible Package offers: – Simplicity immediate benefits with no medical deductible – Convenience copay for doctor visits Available on RightStart PPO, CoreMed and MaxPlan, including: – $45 copay – 50% coinsurance – $10,000 coinsurance out-of-pocket maximum Save up to 23% on RightStart ® ! – Note: $500 deductible RightStart ®

44 Improved HealthyDiscount Program 10% off for as many as 6 renewals! Give your clients greater control over their health care costs now and for years to come. – Program extension – Relaxed claims criteria – A clean slate each renewal period

Thank You This presentation provides summary information. For a complete listing of benefits, exclusions and limitations, please refer to the certificate of insurance. For agent use only. Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Union Security Insurance Company and John Alden Life Insurance Company. Form J (3/07)

Initiatives at a Glance