1. Supplemental Insurance Protection
SB Accident Direct Gen
Approval date: 06/02/2014
Code:
Supplemental Insurance Protection
Direct Series
Accident Direct
Form CH IP (01/10), or its state variation
See Separate Presentation for State Specific Variations
©2014 SureBridge® Product Training Materials | Proprietary and Confidential.
For more plan details, refer to the product materials.
The benefits described in this presentation are subject to all provisions, terms, definitions, and limitations and exclusions of the applicable policy.
Supplemental plans serve a specific purpose in the insurance market. These plans are not intended as substitutes for accident and sickness health insurance and should not be construed as such.

2. Supplemental Products Availability
SureBridge has the largest portfolio of supplemental products including critical illness, cancer, accident, disability, dental and vision policies. We also have the broadest marketing footprint. AK WA ID MT ME OR ND MN NH WI NY VT MI WY SD CA MA RI NV CT UT NE IA PA IL OH IN NJ CO WV DE MO VA KS MD KY HI DC AZ NC NM OK TN TX AR SC GA MS AL
All products available
Subset of products available
No products available LA FL

3. Accident Direct Superior Client/Broker Experience
Quoting
Compare packages with different combinations of supplemental products
Present total price for solution
Commissions
First month’s premium is taken at time of application
This results in faster commission payments
Book of Business report available on the SureBridge Broker Portal
Application
Single e-app for any combination of supplemental products
Flexibility to select different products and/or benefit options for each family member on app
Smart app – only the questions for the products selected are asked
Simplicity – all questions are yes/no
Outlines of coverage provided
Claims
Claim form provided with complete instructions for submission
Claim forms are received, analyzed and adjudicated within a 7 day turn-around time

4. Accident Direct Superior Client/Broker Experience
Changes in the market present opportunities to sell supplemental plans
Essential Health Benefits Plans can have out of pocket expenses as high as $6,350 for individuals or $12,700 for families.
This leaves large gaps in coverage which can be filled with supplemental plans.
Advanced premium tax credits for EHB plans are available for individuals or families making up to 400% of the federal poverty level. Tax credits can be used to purchase extra coverage and fill the gaps left by high deductibles and coinsurance on EHB plans.
Number of family members
Poverty Guideline for family income (as of 2013)
Can still qualify for a subsidy under the ACA with an income up to 1
$11,490
X 400%
$45,960 2
$15,510
$62,040 3
$19,530
$78,120 4
$23,550
$94,200 5
$27,570
$110,280
Tax credits can be seen as a way to pay for Supplemental Plans and reduce coverage gaps.
Need a subsidy calculator? Try

5. Accident Direct Sales Pitch
The Accident Direct plan is a piece of the puzzle to help fill in gaps caused by high out of pocket expenses and lost wages.
Coverage
Gap
Health Coverage
On the right health insurance is supplemented by the following:
Accident Direct for lump sum accident protection
Critical Illness Direct* for lump-sum illness protection for qualified events.
Fixed Indemnity Direct* for hospital coverage
Accident
Direct
Critical
Illness
Direct
Fixed Indemnity
Direct
*See the appropriate training documents for more details on these other products.

6. Accident Direct Product Comparison
Hospital Confinement Benefit
Common Accidental Injury Benefit
The Accident Direct plan is designed to provide customers a lump sum cash benefit.
For an accidental injury only
For inpatient care
There is no annual deductible
A comparison of benefits to the Accident Companion is shown to the right.
Accident Companion
Hospital Confinement Benefit
Emergency Treatment Benefit
Major Diagnostic Exam Benefit
Follow-up Treatment Benefit
Follow-up Physical Therapy Benefit

7. Accident Direct Navigation?
The Accident Direct is located under the Accident Tab of the SureBridge Point of Sale Tool.

8. Accident Direct Benefit Schedule
Daily Benefits
Description
Plan 1
Plan 2
Plan 3
Plan 4
Accidental Injury Benefit
Coverage for Accidental Injuries that first occur and result in a hospital confinement within 45 days of the Accidental Injury.
Benefits refresh each plan year (plan year is each consecutive month period beginning with the effective date of coverage).
Accidental Injury Benefit Payable for Hospital Confinement with or without Surgery:
• 14 days or more: 100% of Accidental Injury Benefit Amount
• 7 to 13 days: 60% of Accidental Injury Benefit Amount
• 3 to 6 days: 30% of Accidental Injury Benefit Amount
• 1 to 2 days with surgery: 15% of Accidental Injury Benefit Amount
• 1 to 2 days without surgery: No benefit payable.
$5,000
$15,000
$20,000
$25,000
Common Accidental Injury Benefit
• Provides benefits in addition to the Accidental Injury Benefit
• Limited to one Common Accidental Injury Benefit Amount under the policy per year
• Pays 50% of the Accidental Injury Benefit Amount when 2 or more insured persons are injured in the same Accidental Injury and at least 2 of whom meet an of the criteria below:
Criteria One: Hospital Confined for 3 or more days
Criteria Two: Hospital Confined for 2 or more days with surgery

9. Accident Direct Claims Example
Jenny Heart, age 43, had a car accident. Jenny is knocked unconscious, fractures her skull, breaks multiple ribs and both legs. Jenny is flown by Care Flight to the nearest Emergency Room where she is immediately admitted for surgery and spends a total of 7 days in an ICU room and another 15 days in the hospital. Luckily, in addition to her bronze level EHB health insurance, Jenny has a Level 4 Accident Direct plan.
BILL
After PPO Discounts
Emergency
Room
Hospital Room
(15 Days)
$1,000
$5,000
$10,000
Paid By Health Plan $0
$6,650
Out of Pocket
$1,000
$2,000
$3,350
The Bronze EHB plan only paid $6,650, leaving Jenny OOP $6,350. SureBridge paid Jenny $25,000, covering the gap left by the EHB plan and giving Jenny money to help with her lost wages.
Paid By SureBridge Plan
ICU Room
(7 Days)
$6,350
$25,000

10. Accident Direct Renewability
The policy is guaranteed renewable to age 65, subject to the Company’s right to discontinue or terminate the coverage as provided in the TERMINATION OF COVERAGE section of the policy.
Eligible Dependents
Under our business rules, Eligible Dependents covered under the policy may continue coverage until age 26, subject to the termination provisions of the policy.

11. Accident Direct Accident Companion FAQs
New Business and Underwriting
This product cannot be sold with another Accident Direct Plan offered by MEGA, Midwest, or CLICO.
No application questions apply to this product.
Claim Payment
Cash benefit to the member – no assignment of benefits.
No coordination of benefits with any health plans.
Subrogation varies by state
No Pre-Existing Condition Limitation
No Waiting Period

12. Accident Direct Pricing Examples
Rates can change. These rates come from the generic brochure dated August 2013: CH ACC DIR 813. The chart below is only an illustration of benefit and premium options per covered person for plans. Premiums may vary by state.
Monthly Premiums
Plan 1
Plan 2
Plan 3
Plan 4
Male
$1.26
$3.78
$5.04
$6.30
Female
$.096
$2.88
$3.84
$4.80
Dependent Child(ren)
$1.12
$3.35
$4.46
$5.58
Sample
Premiums do not vary by tobacco status.

13. Accident Direct
This presentation is not inclusive of all policy provisions.
See product materials for complete details and any additional state variations regarding Termination of Coverage, Renewability, Premium Changes, Eligible Dependents, Exclusions and policy Definitions.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products are underwritten and administered by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. The insurance product referenced in this document is underwritten by The Chesapeake Life Insurance Company.
SureBridge products are individual supplemental products and are not available as group coverage.
There is no list bill and premiums may not be paid by employers for employees.
This material cannot be copied or used in any way for advertising or presentation purposes.
THIS POLICY PROVIDES LIMITED BENEFITS. This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore an Accidental Injury Only Insurance Policy does not satisfy the individual mandate that you have health insurance coverage.
This is not Medicare Supplement Insurance.
Benefits may vary by state. See state variations and product materials for more detail.

14. Accident Direct Thank You For Everything You Do!
Accidental Injury Only Insurance Policy