1. Limited Benefit Hospital Expense Policy
This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company.
Policy and Rider Forms: MMGAP, SWL, RT10,
R-MMGAP-HO, ABR1, DFR, U4272.

2. The Foundation Signature Series was
designed to help pay hospital inpatient deductibles, copayments, and coinsurance for individuals
with current or pending major medical health coverage or comprehensive health insurance
as their Primary Medical Policy.

3. Calendar-Year Maximum
Benefit Levels
Policy Form: MMGAP

4. out-of-pocket expenses.
The agent works with the applicant to complete the MMGAP Suitability Review Form to determine their
out-of-pocket expenses.
Policy Form: MMGAP

5. Choose your Calendar-Year Maximum Benefit.
$2, $5,000
$2, $6,000
$3, $7,500
$4, $10,000
The calendar year-maximum benefit you select does not
have to be the same as your major medical deductible.
The calendar-year maximum benefit starts Jan. 1 and ends Dec. 31. Your benefit amount starts over on Jan. 1.
Policy Form: MMGAP

6. Foundation Signature Series Limited Benefit Hospital Expense Policy
UA will pay up to 100% of your out-of-pocket deductibles,
copayments, or coinsurance required by your major medical
policy for hospital inpatient treatment, up to the
calendar-year maximum benefit*. Ages 0-63.
Policy Form: MMGAP
*Limitations and Exclusions apply. Preexisting Condition Limitation applies.

7. Policy Benefits
There is no limit to the number of hospital inpatient confinements
policyholders can have during one year – the policy pays for deductibles, copayments, and coinsurance until the policyholder reaches their calendar-year maximum annual benefit, as long as
the expense is covered by the policyholder’s Primary Medical Policy* as a Hospital Inpatient Expense.
Policyholders can choose to have benefits paid directly to them or assigned to a health service provider.
If the policyholder dies due to an accidental bodily injury while
covered under this policy, all premiums will be refunded**.
Policy Form: MMGAP
*Limitations and Exclusions apply. Preexisting Condition Limitation applies.
**Death must occur while this policy is in force and with 180 days of injury.

8. How Does A Policyholder File A Claim?
Claims are submitted to United American Insurance Company.
The policyholder must submit a copy of the major medical
provider’s Explanation of Benefits (EOB) along with a
standard hospital billing form (UB-04).
Policy Form: MMGAP
*Limitations and exclusions apply. Preexisting Condition Limitation applies.

9. Optional Hospital Outpatient Benefit Rider
Policy and Rider Form: MMGAP and R-MMGAP-HO

10. Optional Hospital Outpatient Benefit Rider
Available at an additional cost
UA will pay 50% of your out-of-pocket deductible, copayment, or coinsurance required by your major medical policy for hospital outpatient treatment, up to the calendar-year maximum benefit*.
Note: The total deductibles, copayments, and coinsurance covered
under the Hospital Inpatient Benefit and the Hospital Outpatient Benefit
combined are limited to the maximum annual benefit per calendar year.
Policy and Rider Forms: MMGAP and R-MMGAP-HO
*Limitations and Exclusions apply. Preexisting Condition Limitation applies.

11. Number of Outpatient Hospital Visits/Procedures Covered
There is no limit to the number of outpatient hospital
visits/procedures you can have during one calendar year – we
pay your out-of-pocket deductibles, copayments and coinsurance
until you reach your calendar-year maximum benefit, as long
as the expense is covered by your major medical policy*.
Note: The total deductibles, copayments, and coinsurance covered
under the Hospital Inpatient Benefit and the Hospital Outpatient Benefit
combined are limited to the maximum annual benefit per calendar year.
Policy and Rider Forms: MMGAP and R-MMGAP-HO
*Limitations and Exclusions apply. Preexisting Condition Limitation applies.

12. which the they are now responsible.
Examples of How the
MMGAP Policy Works
The following examples demonstrate how the MMGAP Policy works, what is covers, and what it doesn’t cover. With the examples where MMGAP policyholders
increase their Primary Policy deductible, it should be mentioned that policyholders can apply their premium savings toward potential out-of-pocket expenses for
which the they are now responsible.

13. Kate’s Story Examples for illustrative purposes only.
Rates vary by state.
Charges vary by hospital and major medical provider.

14. Kate’s Story Kate is a 45-year-old teacher. She has major medical
coverage through her employer. She selected a $5,000 deductible policy for the lower premiums. Kate’s major medical
policy also requires a copayment and 20% coinsurance.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

15. Kate’s Story
Kate purchased an MMGAP Hospital Inpatient Expense Policy with a $7,500 calendar-year maximum benefit to help cover her hospital
inpatient deductible, copayment, and coinsurance.
Let’s take a look at a year in Kate’s life and what
expenses MMGAP Policy will and will not cover.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

16. Remaining MMGAP Policy calendar-year maximum benefit: $7,500
Kate’s Story
In January, Kate begins having sinus congestion and sinus
headaches. She visits her general practitioner and is diagnosed
with a sinus infection. Kate incurs these charges:
$200 for the doctor’s visit1, including a $15 copay
$4 in charges for a prescription drug (Penicillin2) from the retail pharmacy3
The MMGAP Policy does not pay for doctor’s visit copayments, charges, or lab work, or prescription drugs.
Remaining MMGAP Policy calendar-year maximum benefit: $7,500
1 The Washington Post, Oct. 22, Most Patients Get Antibiotic for Sinus Infection, American Society of Health-System Pharmacists, March 19, 2007
3 Wal-Mart $4 Prescription Program, Oct. 23, 2007
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

17. Remaining MMGAP Policy calendar-year maximum benefit: $7,500
Kate’s Story
Occurrence: General Practitioner Doctor’s Visit
Expense
Billed Charges
Major Medical Paid
MMGAP Paid
Kate Paid
Doctor’s Visit
$200
$185 $0
$15
Prescription Drugs $4
Total
$204
$19
Remaining MMGAP Policy calendar-year maximum benefit: $7,500
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

18. Kate’s Story In March, Kate developed pneumonia and spent
two nights in the hospital. Fortunately, she purchased
a $7,500 Foundation Signature Series to help
cover her deductible, copayment, and coinsurance.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

19. Kate’s Story Total Hospital Expenses Billed to
Major Medical Policy for Inpatient
Hospital Charges: $15,100
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

20. Kate’s Story Kate’s Major Medical Explanation of Benefits
MMGAP Paid Deductible $5,000
MMGAP Paid Hospital Admission
Copayment $ 100
MMGAP Paid 20% Coinsurance $2,000
Total Kate Owed $7,100
Foundation Paid $7,100
Amount Kate Paid $0
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

21. Annual Foundation Premium $759* – vs.– Potential Hospital Expenses
$7,100
Kate has $400 remaining in her calendar-year maximum benefit.
*Kate was also responsible for $19 in out-of-pocket expenses associated with her General Practitioner Doctor’s visit.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

22. Robert’s Story Examples for illustrative purposes only.
Rates vary by state.
Charges vary by hospital and major medical provider.

23. Robert’s Story Robert is a 33-year-old single father.
He has a major medical policy with a $2,500 deductible.
Robert’s policy requires a copayment and
20% coinsurance with a $4,000 stop loss.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

24. Robert’s Story
After totaling his out-of-pocket expenses on the Suitability Form, he purchased an MMGAP Hospital Inpatient Expense Policy with a $4,000 calendar-year maximum benefit to help cover his hospital inpatient deductible, copayment, and coinsurance.
Let’s take a look at a year in Robert’s life and what expenses the MMGAP Policy will and will not cover.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

25. Remaining MMGAP Policy calendar-year maximum benefit: $4,000
Robert’s Story
In February, Robert begins coughing. When the
coughing persists for more than two weeks, he visits his general
practitioner. The doctor has a radiologist perform an X-ray of Robert’s
chest during the office visit. Robert incurs multiple charges:
$200 for the doctor’s visit1, including a $10 copay
$86 for chest X-ray2
$63.60 in charges for a prescription drug (Ipratropium Bromide3)
from the retail pharmacy4
The MMGAP Policy does not pay for doctor’s visit copayments, charges, or lab work, or prescription drugs.
Remaining MMGAP Policy calendar-year maximum benefit: $4,000
1 The Washington Post, Oct. 22, March 27, Chronic cough, Mayo Clinic, May 8, 2007
4 MedStore International, March 27, 2008
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

26. Remaining MMGAP Policy calendar-year maximum benefit: $4,000
Robert’s Story
Occurrence: General Practitioner Doctor’s Visit
Expense
Billed Charges
Major Medical Paid
MMGAP Paid
Robert Paid
Doctor’s Visit
$200
$190 $0
$10
Doctor’s Lab Work
$86
$86*
Prescription Drugs
$63.60
Total
$349.60
$159.60
*Applied to major medical annual deductible.
Remaining MMGAP Policy calendar-year maximum benefit: $4,000
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

27. Robert’s Story In November, Robert had a motorcycle accident that
resulted in a one-night hospital stay.
Total Hospital Expenses Billed to
Major Medical Policy for Inpatient
Hospital Charges: $10,800
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

28. Robert’s Story Robert’s Major Medical Explanation of Benefits
MMGAP Paid Deductible $2,416
MMGAP Paid Hospital Inpatient
Copayment $ 100
MMGAP Paid 20% Coinsurance $1,000
Total Robert Owed $3,516
MMGAP Paid $3,516
Amount Robert Paid $0
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

29. Annual Foundation Premium $176* – vs.– Potential Hospital Expenses
$3,516
Robert has $484 remaining in his calendar-year maximum benefit.
*Robert was also responsible for $ in out-of-pocket expenses associated with his General Practitioner Doctor’s visit.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

30. Jose & Maria’s Story Examples for illustrative purposes only.
Rates vary by state.
Charges vary by hospital and major medical provider.

31. Jose & Maria’s Story Jose and Maria, both 38 years old, are married
with two teenagers. They have a major medical policy
with a $500 annual deductible. Their policy also
requires a copayment and coinsurance.
Their monthly major medical premium for their family is $1,104.
Rates vary by state. Examples for illustrative purposes only. A Foundation Signature Series does not guarantee payment of all charges. There may be expenses for which you will be responsible.

32. Current Insurance Premium Situation
Jose & Maria’s Story
Current Insurance Premium Situation
Annual Deductible
Monthly Premium
Major Medical
$500
$1,104
For illustrative purposes only.

33. Jose & Maria’s Story
Maria and Jose increased their major medical deductible from
$500 to $5,000, which reduced their major medical monthly
premium to $507. After totaling their out-of-pocket expenses on the Suitability Form, they purchased an MMGAP Hospital Inpatient Expense Policy with a $7,500 calendar-year maximum benefit for $150 in monthly premium.
Previous Monthly Major Medical Premium – $1,104
New Monthly Major Medical Premium – $507
Foundation Monthly Premium – $150
For illustrative purposes only.

34. Current Insurance Premium Situation Foundation Signature Series
Jose & Maria’s Story
Current Insurance Premium Situation
Annual Deductible
Monthly Premium
Major Medical
$500
$1,104
Foundation Signature Series
Annual Deductible
Monthly Premium
Major Medical
$5,000
$507 $0
$150
New Total Monthly Premium
$657
For illustrative purposes only.

35. Jose & Maria Saved $447 per month
in premium
For illustrative purposes only.

36. Hospital Outpatient Benefit Rider
For $187 additional monthly premium, Jose & Maria added the Hospital Outpatient Benefit Rider to their
MMGAP Policy. Their total monthly premium would
be $844, which would still be a monthly premium savings of $260.
For illustrative purposes only.

37. Current Insurance Premium Situation Foundation Signature Series
Jose & Maria’s Story
Current Insurance Premium Situation
Annual Deductible
Monthly Premium
Major Medical
$500
$1,104
Foundation Signature Series
Annual Deductible
Monthly Premium
Major Medical
$5,000
$507 $0
$150
New Total Monthly Premium
$657
Outpatient Rider
$187
New Total Monthly Premium with Optional Outpatient Rider
$844
For illustrative purposes only.

38. Managed Their Expenses and still managed to save
How Jose & Maria
Managed Their Expenses
Jose & Maria have
a major medical policy,
a Foundation Hospital Expense Policy,
plus the optional Hospital Outpatient Rider,
and still managed to save
$260 per month in premium!
For illustrative purposes only.

39. Optional Life Policy
Policy Forms: SWL or RT10

40. Optional Life Policy Available at an additional cost
Whole Life Insurance Policy or
10-Year Renewable Term Life Insurance Policy
Choose a face amount from $1,000 to $20,000
Whole Life: Level benefit for the life of the insured. Premiums never increase. Builds cash and loan value which you may use in many ways: Surrender your policy for cash, and spend however you wish. Convert your policy to life insurance where no premiums are ever due (such as reduced benefit paid-up insurance, or extended term insurance). Take a loan from your policy’s value.
10-Year Renewable Term Life: Level benefit term policy with premiums that stay the same for 10 years. The policy renews and premiums increase every 10 years. Renewable to age 121.
Policy and Rider Forms: SWL or RT10; ABR1
*May vary by state.

41. Optional Life Insurance Riders
Policy and Rider Forms: SWL or RT10; U4272; DFR

42. Available at an additional cost
Optional Riders
Available at an additional cost
Deposit Fund Rider
Available only on 10-Year Renewable Term Life insurance policy.
Earn a guaranteed minimum of 3% interest on deposits made with
premium payments.
Minimum deposit amount is $5.
Maximum account balance is limited to two times the policy face amount.
Child Term Life Rider
Available with the purchase of an adult whole life or term life policy.
Choose $5,000 or $10,000 of coverage for children ages 0–23.
Policy and Rider Forms: SWL or RT10; U4272; DFR.
May vary by state.

43. Automatic Benefit
Terminal Illness Accelerated Death Benefit – Automatically added to either life policy at no additional charge*. We will pay you 50% of your life policy benefit if you are diagnosed with a qualifying terminal illness while your policy is in force. (If the policy owner is diagnosed with a terminal illness that will result in death within one year, we will pay 50% of the death benefit upon our receipt of due proof of terminal illness. This benefit is payable only once. Not approved in all states.)
Policy and Rider Forms: SWL or RT10; U4272; DFR.
May vary by state.

44. UA Partners® Receive discounts on: Our optional non-insurance discount
health services program is also available
for a $6.95 monthly fee.
Receive discounts on:
Chiropractic — 20% to 40%
Dental — 10% to 50%
Eye Care — 20% to 60%
Hearing Aids — 10% to 20%
Prescriptions — Average of 20%
Mail Order Pharmacy — Save More $$
DISCLOSURE: This is NOT a health insurance policy. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. This plan is administered by Best Benefits, Inc., (a discount medical plan organization) at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631,
You have the right to cancel and receive a full refund within 30 days.
Plans may vary by state. Not available in Kansas, New York, or Vermont.

45. Thank You