1. Healthy Choices Benefit Plans & National Guardian Life Insurance Company Work Site Programs National Guardian Life Company, A- rating with AM Best, Began 1910, 2.1 Billion in Assets Local Administration - Healthy Choice Plan Administrators

2. Work Site Benefits Voluntary or Group Vision Plans Voluntary or Group Dental Plans Voluntary or Group Life Insurance Plans Voluntary or Group Short Term or Long Term Disability Plans Employees select which plan or plans they would like to enroll in and premium is payroll deducted Employers with 2+ employees Groups with 10 or more enrolled can select from triple dental option Groups over 100 employees may offer dual PPO Networks, Dentemax, Maverest and PPO USA/ Connection Annual Maximums - $750, $1000, $1500 or $2000

3. MAXIMIZING EMPLOYEE BENEFIT PROGRAMS The Advantages of Work Site Programs to the Employee A.Annual Eye Exam B.Lenses- Standard Plastic C.Frames (once per 12 months) OR D.Contacts (once per 12 months) Annual Eye Exam A. $100.00 Lenses B $120.00. Frames C. $150.00 Contacts D.$175.00 In Network Benefits$10.00 Copay $10.00 Copay $120.00 Frame Allowance/ EE pays $30.00 $120.00 Contact Allowance/ EE pays balance Out of Network BenefitsReimbursed up to $35.00 Up to $25.00 or can go in network w/ RX Up to $50.00 or can go in network w/ RX Up to $100.00 Or can go in network w/ RX No BenefitsEmployee pays $100.00 Employee Pays $120.00 Employee Pays $150.00 EE pays $175.00

4. Dental Plan: 100% Preventive, 80% Basic Services, 50% Major Services, Annual Maximum $1,500 A.Preventive Service B.Basic Services C.Major Services Preventive Services A. $300.00 (2) cleanings Basic Services Charged B.$550.00 Major Services Charged C. $1000.00 Total Charges $1850.00 In Network Charges100% no balance billing $50 DED/ 80% $100 EE Pays Ded. Met 50% $500 EE Pays EE pays $650.00 includes DED Out of Network ChargesEmployee pays. $44.00 x (2) $50 DED/ $175 EE Pays Ded. Met $700.00 EE Pays EE pays $969.00 Includes DED No Dental CoverageEmployee pays $300.00 (2) Employee Pays $550.00 Employee Pays $1000 EE pays 100% $1,850.00 MAXIMIZING EMPLOYEE BENEFIT PROGRAMS The Advantages of Work Site Programs to the Employee

5. Employers with 2 employees or more Voluntary Life with Dependent Life- Portable after 1 year Standard Group Plans All voluntary or group life plans offer Accelerated Life Benefits 80% of Death Benefit Short Term Disability Plans Long Term Disability Plans EAP Program included with Life or Disability Plans for 10 employees or more

6. Maximizing AIC Choices Trustmark Programs- Variety deductibles $0 - $10,000, out of network 100% to 50%, office visit features $20, $30 $40 or no copay, prescription drug copayments 5 different options, dual option of plan designs of PPO and HSA arrangement. Select from 5 different Medical Networks. Healthy Choices Benefit Plans- Customize Work Site Benefits for Employers with 2 employees or more. Dental, Life, Disability and Vision Plans. Let the employee select the benefits they need and payroll deduct the cost. Employees will benefits from network discounts and not pay full price for services. Employers payroll deduct one month prior to coverage. American Worker Programs- Employers who can not place medical insurance due to health reasons with Trustmark or having trouble meeting participation requirements or offer to employees who waive off medical plan and those that also take the group medical, an option for 1 st dollar coverage for accidents, illness and specified diseases on a group basis. AFLAC- Offers employers who can not meet participation for a group plan, individual coverage for employees. Cancer policies for employees who are interested in specific areas of coverage. Critical Illness plan for over 100 employees. Flexibility to design Group Medical, Dental, Vision, Life, Disability, Limited Medical Programs and AFLAC Programs.

7. Reasons to Work with Association Insurance Cooperative  Ease. We’ve done the work for you already! We work with top-rated carriers to find solutions for even the most challenging employer groups  Group buying power. Increase affordability and plan effectiveness through partnership in the Association Insurance Cooperative  Knowledge. Solutions for each demographic of your group: executive-level part-time salaried hourly  Personal service. We’re eager to grow our business by finding you affordable, effective solutions  Plans available for 2 or more employees  Medical Limited Medical Dental Vision Life Disability Association Insurance Cooperative Advantage

8. The role of Imagine Health Solutions  Member Organizations can retain their current brokers or Members without a broker can request an AIC Preferred Broker  Our goal is to work with top-rated carriers that want your business (already completed) EX. Trustmark/Starmark offers more than 1000 plan designs including PPO, High Deductible, Consumer Driven, and HRA/HSA  We want to make quoting easy: - Call: Bob Brodell at 312.659.4242 - Email: bob@imaginehealthsolutions.com - Or visit: www.associationinsurance.us Managing General Agency

9. Summary  We want your participation in the Association Insurance Cooperative  We want your business because we want and can help  We have a full range of products specifically for you and regardless of your demographic or economic circumstances  Our goal is to provide alternatives with top-rated carriers  We make quoting easy: - Call: Bob Brodell at 312.659.4242 - Email: bob@imaginehealthsolutions.com - Or visit: www.associationinsurance.us