2. From the Beginning
In 1922, Combined Insurance founder W. Clement Stone had the desire to “make the world a better place for this and future generations.” By placing increased focus on the needs of our customers, we can successfully achieve our goals and help to make the world a better place, one person at a time.
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

3. Today, A Leader in our Field
Today, we're still making insurance history. On April 1, 2008, Aon Corporation announced the closing of the sale of Combined Insurance to ACE Limited (NYSE: ACE), parent company of the ACE Group of Companies, a global leader in insurance and reinsurance. ACE joins Combined Insurance in a mutual commitment to outstanding customer service and timely claims payment. Our financial strength affords us a sound base to better serve our policyholders and pursue exciting growth opportunities in the future.

4. Corporate Values
Our values dictate the way we do business. Combined Insurance is an insurance provider that prides itself on being:
Customer-centric - making insurance clear and easy for customers and meeting their needs is our number one objective
People-driven - differentiating ourselves through the skills and service of our people
Accountable and ethical - taking responsibility and doing the right thing because it is the right thing to do
Performance-minded - always working to improve the customer’s experience and our people's satisfaction
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

5. Proven Experience with Medicare Supplements
Combined Insurance has provided Medicare supplement coverage since 1988 and has paid nearly $1 billion in claims for these policyholders alone
Combined Insurance offers you a choice of three different standardized Medicare Supplement policies
Fill some of the gaps not covered by traditional Medicare, for your clients with Combined Insurance
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

6. Financial Strength
Rated A (EXCELLENT) by A.M. Best Company* (June 2011)
A leader in the volume of supplemental insurance products in force:
4.4 million policies in force worldwide
$5.7 billion of life insurance in force worldwide
In 2011, Combined Insurance was named to the prestigious Ward’s 50 List*
This is the 12th time Combined Insurance has been named to this esteemed list
* A.M. Best Company and Ward Group are not Government Regulated Agencies.
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

7. Medicare Supplement State Availability
The following states have been filed for approval and will be available
soon.
*Phase 1 States:
Alabama
Illinois
Kentucky
*Additional filings will be made soon.
Mississippi
Oklahoma
South Carolina
South Dakota
Tennessee
Texas
Medicare Supplement E-APP
Coming soon
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

8. Application Submission
One month premium at the time of application via check or ACH withdrawal
Online application process
Mail application - take application over the phone and mail to client for signature
Ability to accept applications via fax
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

9. How to submit your business
Normal Delivery Combined Insurance Company of America PO Box Clearwater, FL Overnight Delivery 2650 McCormick Drive, Suite 200T Clearwater, FL Fax (Requires first premium payment via ACH)
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

10. Agent Support Online Agent Portal Status of applications
Commission statements
Pending issues
Customer Service Center
Sales Support
Underwriting
Policyholder Services
Claims Customer Service
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

11. Compensation Questions call: 1-855-278-9329 Paid weekly Direct Deposit
Online access to statements
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

12. Helpful Information Medicare Supplement Business Contacts
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.

13. For agent use only. Not for use with general public
For agent use only. Not for use with general public. Certain exclusions may apply. All products not available in all areas. Not affiliated with the United States Government or the Federal Medicare Program.