1. United American Insurance Company Proudly Serving Americans Since 1947 UAUHFX Agent Training

2. What United American Stands For… Stability — Meeting the life and health insurance needs of the public for over half a century Financial Strength Quality Protection — Insurance coverage to protect you and your family now as well as in years to come Superior Service — One-on-one personal service for the life of your policy, backed by Home Office support staff That’s our way… the United American way. A+ “Superior” financial strength rating from A.M. Best* AA “Very Strong” claims paying ability rating from Standard & Poor’s* *ratings as of 6/04, 8/04 respectively

3. What are the headlines saying? Healthcare costs still rising faster than the economy! & More people uninsured! Sources: Health Affairs, June 2003 AHIP, “2004 Elections: Medicare, the Uninsured, and Rising Costs Take Center Stage in Health Care Debate”, January/February 2004

4. Americans Face a Healthcare Crisis! Healthcare costs continue to advance much faster than the rest of the U.S. economy: 8.5% increase in 2001 9.3% increase in 2002 7.7% increase in 2003 Sources: Health Affairs, June 2004 National Coalition on Health Care, “Facts on Health Insurance Cost,” 2003 Centers for Medicare & Medicaid Services Costs are slowing but still far exceed the rate of general inflation!

5. The Cost of Health Care Insurance premiums have risen at a rate even greater than the rate of health- care inflation. According to experts, “Consumers can expect to pay more for greater access to health- care.” Source: Health Insurance Association of America, Chartbook on Health Care Cost Trends, 2003. Factors Driving Rising Costs in Healthcare

6. Persons Without Health Insurance Rising costs in healthcare are pushing up health insurance premiums and forcing Americans into the ranks of the uninsured. 1992 — 34.1 million 1996 — 40.9 million 2002 — 41.2 million 2003 — 43.6 million 2004 — 45 million It becomes a problem if you are a member of the uninsured! Source: United States Department of Commerce News, September 30, 2003

7. United American Insurance Card In order to receive non-emergency or post-stabilization treatment, consumers must demonstrate an ability to pay … This is when your United American health insurance card is most valuable! Name: PAULA C. HOLDERPolicy Number 57300876888Effective 01-25-03 The problem becomes finding affordable health insurance.

8. Where Do the Largest Medical Expenses Occur?  Hospital Confinement  Surgical Expenses  Emergency Room Charges Source: Strunk, Bradley, and Ginsburg, Paul, Tracking Health Care Costs: Spending Slowdown Stalls in First Half of 2004, Dec. 2004

9. Hospital Confinement vs. Doctor’s Office Bills Odds are 1 in 7 that you or a family member will have a hospital stay this year. * Average hospital confinement includes room/board, surgical, miscellaneous and emergency expenses. $3,972 was the average national daily hospital charge in 2003. ** Sources:* U.S. Department of Labor; ** Current Trends in Health Care and Dental Costs Utilization, 2004 Edition; As compared to the larger medical expenses above, the average cost of a doctor office visit in 2003 was relatively low. It was only $83! **

10. Therefore, the most important areas to cover are:  Hospital Confinement  Surgical Expenses  Emergency Room Charges

11. Guaranteed renewable individual policies, not collectively renewable Issue age pricing, not attained age pricing No pre-authorization Excellent industry ratings & claims paying abilities No associations or association dues Use anywhere in the USA Local Home Office and Agent support No lifetime maximums Freedom to choose doctors and providers – no networks! Choosing a Healthcare Insurance Policy Important things to consider!

12. It’s YOUR health! YOU choose your healthcare providers. WHO? WHAT? WHEN? WHERE? These are questions that YOU answer! With United American, you are in control of your health care — no gatekeepers, no primary care physicians, no pre-certification, no worries about using out-of-network providers which could run up huge co-payment obligations. UA’s Freedom of Choice That’s our way… the United American way!

13. United American’s FLEXguard Health Insurance Policy Are you looking for an Affordable Health Insurance Policy that makes good sense?

14. FLEXguard Features Policy Form GSP2. This policy has some limitations and exclusions. Plans and benefits vary by state.  Issue Ages: 0-63  Coverage for Individuals and Families  Guaranteed Renewable as long as premiums are paid on time  CHOICE OF BENEFIT AMOUNT – $100,000; $75,000; or $50,000  PORTABLE COVERAGE – individual policy goes where you do  FLEXIBILITY – policy serves as basic or supplemental insurance  NO LIFETIME MAXIMUMS DOWNLOAD SAMPLE BROCHURE

15. FLEXguard Policy Features & Benefits Policy Form GSP2. This policy has some limitations and exclusions. Benefits are paid based on actual, incurred expenses. Benefit Amount Maximum Benefit Per Injury or Sickness $100,000$75,000$50,000 Daily Hospital Expense Benefit (after $500 deductible)* For days 1-10 policy pays incurred expenses80% up to $4,000 per day 80% up to $3,000 per day 80% up to $2,000 per day For the next 30 days policy pays incurred expenses80% up to $2,000 per day 80% up to $1,500 per day 80% up to $1,000 per day Daily Hospital Expense Benefit Daily and Maximum Benefits are increased $1,000 each day for up to 10 days in the ICU Hospital Admission Benefit If you or your insured family member is hospitalized, the policy will pay an admission benefit. $100 per hospital stay – benefit is not tied to incurred expenses – it can be used as you see fit. Outpatient (Non-Surgical) Benefit outpatient hospital expenses diagnostic imaging such as x-rays, MRIs, etc., radiation treatment such as for cancer. 80% up to $500 for any one injury or sickness 80% up to $400 for any one injury or sickness 80% up to $300 for any one injury or sickness * For inpatient and outpatient surgeries

16. FLEXguard Policy Features & Benefits Policy Form GSP2. This policy has some limitations and exclusions. Benefits are paid based on actual, incurred expenses. Benefit Amount Surgical Expense Benefit Up to $10,000Up to $7,500 + up to 20% of surgical benefit for Assistant Surgeon + up to 25% of surgical benefit for Anesthesiologist Physician Charges INPATIENT: One doctor visit each day during an inpatient hospital stay. 80% of the doctor’s fee, up to $50 per day Maximum of $2,000 for any one injury or sickness Physician Charges OUTPATIENT: Doctor visits at a doctor’s office, clinic, or your home plus one physical exam each year. Benefit can be doubled. 80% up to $25 per visit 80% up to $50 for one physical exam per year $250 maximum per year NOTE: you may choose to double the benefit amount as shown below Registered Nurse Benefit 80% up to $100 per 8-hour shift Up to three(3) shifts per day for no more than 90 days for any one injury or sickness Ambulance Benefit 80% up to $200 for any one injury or sickness Return of Premium Benefit Double premiums refunded

17. FLEXguard Policy Features & Benefits *Optional benefits will not continue if the policy terminates. Policy Form GSP2. This policy has some limitations and exclusions. Benefits are paid based on actual, incurred expenses. OPTIONAL BENEFITS* Benefit Amount Additional Physician Charges Benefit Policy pays incurred expenses for ambulance service to or from a hospital. 80% up to $50 per visit 80% up to $100 for one physical exam per year $500 maximum per year Critical Illness Benefit (including Cancer) Applicants must qualify for this optional benefit rider See the Agent Manual for rules Age 18-63 Rider Form R-CILS2 One-time cash benefit of up to $50,000 for first diagnosis of critical illness including: heart attack stroke end stage renal failure major organ transplant complete paralysis of two or more limbs third degree burns to 20% or more of the body loss of two limbs total loss of eyesight. first diagnosis of cancer The benefits for this rider will reduce by half at age 65. Accident Benefit Applicants must qualify for this optional benefit rider See the Agent Manual for rules Choice of $10,000 or $20,000 benefit amount Age 18-63 Rider Form R-CILS2 Policy pays ONE of the following accident benefits: accidental death benefit a lump sum amount for specified injuries a weekly hospital stay benefit (up to $500) for up to 25 weeks or a first aid medical care benefit (up to $80)

18. UA Partners ® Program Dental Vision Hearing Chiropractic Prescription Drug Vitamins & Nutritional Supplements 24-Hour Nurse HelpLine Travel Assist* Our optional health discount services program includes: UA Partners is not a health insurance policy. Members will receive discounts on medical services when they go to certain healthcare providers who are contracted with the plan. Members are solely responsible for payment of all healthcare services. No portion of any provider’s fee will be reimbursed or otherwise paid by the plan. This plan is administered by Best Benefits, Inc. 8420 Bryn Mawr, Suite 700, Chicago, IL 60631, www.FindBestBenefits.com. * Availability may vary by state.

19. Nationwide discount health services program with savings for: Chiropractic Dental Eye Care Hearing Aids Prescriptions Mail Order Pharmacy Up to 40% Up to 50% Up to 20% Up to 30% Save More $$ UA Partners ® Program

20. Why United American? Providing quality health protection since 1947 Excellent ratings with A.M. Best and Standard & Poor’s Fast policy issue (4-6 weeks) Local office Personal support (always speak with a live person, either Home Office staff or Agent) Individual qualification (not a group plan) Guaranteed renewable policies, as long as premiums are paid on time Issue age pricing No associations or association dues Freedom of Choice UA Partners helps drive down the cost of health care services