WELCOME TO THE 18TH ANNUAL PRODUCER CONFERENCE Dan Johnson, VP of Sales, Marketing & Product

Supreme Court upholds PPACA A year in review

President re-elected

A year in review Dangling at the edge of the fiscal cliff

A year in review PPACA drives healthcare choices for Corporate America.

A year in review Multiple insurers exit the long-term care market

A year in review Multiple insurers entering the voluntary worksite market

A year in review NFL replacement referees REPLACED! Green Bay Packers 11-5* *Seattle loss!

Three key takeaways 1.Experience 2.Innovation 3.Change

VBS Experience Why should you and your clients care?

Trustmark celebrates 100 years.

Experience Few companies survive to be 100 Of the more than 5,000 publicly traded companies, less than 10% are 100 years or older, according to USA Today Just 23 large private firms have reached that milestone Trustmark turned 100 yesterday, January 13, 2013

VBS Innovation

Innovation Prior innovation – Universal Life & LTC – EZ Value increases (Life and CI) – Lump-sum Cancer & CI – LifeHealth & Wealth Returning to our innovative roots – Enhanced Accident plans – Business transformation – Voice of the customer

Trustmark Mission Helping people increase well-being through better health and greater financial security.

Trustmark Voluntary Benefit Solutions Financial protection and “ Promises to Pay ” Offering benefits for – Death – Long-term care – Disability – Cancer – Critical Illness – Accident – Preventive care We deliver checks – when others bring bills to pay!

And we have been making promises and delivering on them since First accident policy

Communication solutions Producers/EmployersEmployees & enrollment print & online Communication Engagement Wellness CDHP Data cleansing Dependent audit Core enrollment Customer Service 401(k) Healthcare reform

Change

ON TAP TODAY Next up…

A message from our Chairman Grover Thomas, Trustmark Companies Chairman of the Board

Voluntary Benefit Solutions update Alex Moral, Senior VP, Trustmark Voluntary Benefit Solutions

Accident product update Julie Pohjola, AVP of Product Management

Guest speaker: Dr. Kevin Freiberg

Guest speaker: Dale Alexander, Alexander & Company

Diving into VB You asked for it – you got it! Fun, informative and rewarding breakout sessions – 100 years of experience – Enrollment technology – Best practices – LifeHealth & Wealth – Universal Life – Critical Illness – Accident – Disability

What do we hope you gain? A home for your voluntary benefit and wellness solutions! Client communication and engagement solutions. Reaffirming your choice in Trustmark.

Finally that we at VBS have the: 1.Experience in this VB market to serve you and your clients. 2.Innovation that we will continue to bring innovative solutions. 3.Change is good. We continue our business transformation process.

Joe Gaudino Frank Shimsky Ron Kleiman Cliff Porch Jim & Patty Ward John Gray Charlie Stepnowski Mike Stepnowski Dave Maddox Tommy Suggs Rick Cass Jim Davidson Linda Elliott Ginger Panepinto Ask these people: Why? John Keenan Jim Kreig

Let’s get started!