©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA000003 Protection for Life Helping to protect your health, income and family.

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©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Protection for Life Helping to protect your health, income and family

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA We are one of the largest insurance distribution companies in America with more than 3,000 agents nationwide. HealthMarkets Insurance Agency 2 HealthMarkets provides solutions that meet the health and financial protection needs of individuals and families.

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Health Care Reform 3 HealthMarkets provides guidance to help you understand your options under health care reform. Subsidy On Exchange Off Exchange

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Portfolio of Insurance Companies 4 Our broad portfolio of recognized and trusted national and regional insurance companies. UnitedHealthOne is the brand name for UnitedHealthcare family of companies that offer personal health insurance products. Products are marketed through independent agents. For costs, benefits, limitations and exclusions of UnitedHealthOne plans. Please see the product brochure. Not all agents are licensed to sell all products. Availability of carriers and products may vary by state.

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA The Protection You Need at 30 … … is different at 45 or 65 YOUNG FAMILY (Age 30 – 40) On Your Mind: Planning ahead to protect you family, your income and your future ► Health Insurance ► Supplemental Insurance ► Life Insurance 5 These recommendations are general guidelines based on commonalities we notice among our customers. The information and product listed are not meant to be interpreted as appropriate for everyone, as each individual has unique needs and circumstances. NEARING EMPTY NEST (Age 40 – 55) On Your Mind: Planning ahead to protect you family, your future long-term care needs and protect your assets for retirement ► Health Insurance ► Supplemental Insurance ► Life Insurance ► Retirement Income ► College Funding RETIREMENT (Age 65+) On Your Mind: Protecting and managing your assets for financial stability ► Medicare Plan & Supplements ► Retirement Income ► Life or Final Expense Insurance CLOSE TO RETIREMENT (Age 55 – 64) On Your Mind: Planning for retirement by protecting the assets you’ve accumulated over the years ► Health Insurance ► Supplemental Insurance ► Life Insurance ► Retirement Income ► Long-Term Care Insurance

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA High Cost of Health Care & Bankruptcy 6 Illness and medical bills contributed to more than 62% of all bankruptcies. (1) Statistics from a Harvard University report “Medical Bankruptcy in the United States, 2007” published in The American Journal of Medicine ®

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Protection for Life has Three Primary Components 7 Your family has hopes and dreams for the future—life insurance can help protect them Expecting the unexpected is one thing, paying for it can be quite another. Supplemental insurance can pay you a direct cash benefit to help with expenses A good health policy is indispensable and can also be surprisingly affordable

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Fact Finder 8

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Supplemental Insurance 42% of Americans say they live paycheck to paycheck 9 How will we cover our day-to-day expenses if one of us is sick or injured? How long can we afford for one of us to be out of work? Supplemental insurance can pay a cash benefit to you and can help protect you financially Can we pay our health insurance deductible without using our savings or going into debt? 2010 CareerBuilder survey

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA In households with children under the age of 18, if the primary breadwinner died today … Why Life Insurance is Important 10 4 in 10 … say they would have immediate trouble meeting everyday expenses 7 in 10 … say they would have trouble meeting everyday expenses within 90 days LIMRA International, Inc.

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Customized Protection for Life Solution 11 Creating your Customized Protection for Life Solution includes:

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Customized Protection for Life Solution 12 Creating your Customized Protection for Life Solution includes:

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Customized Protection for Life Solution 13 Creating your Customized Protection for Life Solution includes:

©2014 HealthMarkets Insurance Agency | Proprietary and Confidential. | HMIA Protection for Life Helping to protect your health, income and family