Elite Portfolio Roth B Robertson

2 Elite Portfolio Built on Familiar plans: MaxPlan Elite CoreMed Elite Plan RightStart Elite Plan OneDeductible Elite Plan SaveRight HSA Elite Plan

3 Exclusive Features of Elite: $25 million lifetime maximum benefit for MaxPlan Elite, CoreMed Elite and OneDeductible Elite Increased preventive services benefits –$1,500 for MaxPlan Elite and OneDeductible Elite –$1,000 for CoreMed Elite, RightStart Elite and SaveRight HSA Elite Eliminated $75 emergency room fee on all Elite plans New coinsurance out-of-pocket maximum amounts for MaxPlan Elite, CoreMed Elite and RightStart Elite New non-network deductibles and coinsurance out- of-pocket maximum amounts for all Elite plans

4 Out-of-Pocket Changes Coinsurance out-of-pocket maximums for MaxPlan Elite, CoreMed Elite and RightStart Elite: –50/50 and 60/40 coinsurance OOP increased $1,000 –70/30 and 80/20 coinsurance OOP increased $2,000 Non-network deductibles and coinsurance out-of-pocket maximums: Non-network deductible Individual deductible plus: Non-network coinsurance out-of-pocket maximum MaxPlan Elite $2,000 (Family: individual x 2)$10,000 (Family: 20,000) CoreMed Elite $2,000 (Family: individual x 2)$15,000 (Family: $30,000) RightStart Elite $2,000 (Family: individual x 3)$15,000 (Family: $30,000) OneDeductible Elite $2,000 (Family: individual + $4,000)$10,000 (Family: $20,000) SaveRight HSA Elite $2,000 (Family: individual x 2)$15,000 (Family: $30,000) Note: Only 3% of Assurant Health PPO policyholders use non-network providers

5 Additional Product Enhancements: Dental Plushigher-level benefits for dental insurance, including $75/visit for semi-annual well services Office visit copay available with $5,000 and $10,000 deductibleson MaxPlan Elite and CoreMed Elite plans Maternity benefit waiting period: 90 days for all plans Maternity option – for RightStart Elite and SaveRight HSA Elite (in states where approved) Deductible credit pilot: –New customers: 8 month pilot program that credits 10% of the selected deductible when proof of prior coverage is provided* –Inforce customers: First quarter test providing 10% deductible credit in 2008 for selected renewing customers * Available with MaxPlan Elite, CoreMed Elite and OneDeductible Elite. The Assurant Health Elite Individual Health Insurance Portfolio is further enhanced by IM product changes.

6 Elite Sample Rates: CoreMed, $5,000 Ded MarketCurrent PlanElite Plan Dallas (752):$240.49$ Chicago (606):$170.47$ Kansas City (640):$140.31$ Ft. Lauderdale (333):$190.23$ Phoenix (850):$158.38$ Atlanta (303):$187.34$ Assumptions: Male, age 40; Spouse, age 40 CoreMed, Preferred Risk, February 1, 2008 effective date Current Plan: $6M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta), $3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee Elite Plan: $25M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS

7 Elite Sample Rates: OneDeductible / HSA MarketCurrent PlanElite Plan Dallas (752):$424.53$ Chicago (606):$295.17$ Kansas City (640):$259.01$ Ft. Lauderdale (333):$356.52$ Phoenix (850):$314.22$ Atlanta (303):$288.68$ Assumptions: Male, age 40; Spouse, age 40 OneDeductible HSA, Preferred Risk, February 1, 2008 effective date Current Plan: $8M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate guarantee Elite Plan: $25M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate guarantee Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS

8 Elite Sample Rates: CoreMed, $3,500 Ded MarketCurrent PlanElite Plan Dallas (752):$299.06$ Chicago (606):$211.43$ Kansas City (640):$175.63$ Ft. Lauderdale (333):$241.89$ Phoenix (850):$198.99$ Atlanta (303):$236.31$ Assumptions: Male, age 40; Spouse, age 40 CoreMed, Preferred Risk, February 1, 2008 effective date Current Plan: $6M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta), $3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee Elite Plan: $25M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS Note: 24 month rate guarantee available March 15 on $3,500 Deductible