1. Assurity Life Insurance Company Assurity Life Insurance Company presents Critical Illness Insurance Policy Form Nos. I H0810 or CI 005, and I H0820 or CI 007. Product and rider availability, features and rates may vary by state. 15-467-02251 (8/13) 1 of 27 (Presentation only valid with all slides)

2. “You need a critical illness insurance policy not because you are going to die, but because you are going to survive.” - Dr. Marius Barnard An Unusual Beginning

3. Influence of the Doctor’s Design You, the insured person, suffer a critical illness or undergo a procedure that meets the terms of the insurance policy. The insurance company pays you the benefit. You decide how the money can best help you.

4. Who Do You Know… who has been diagnosed with heart attack, cancer or stroke? Did any of them plan on getting a critical illness?

5. “The Big Three” Cancer Every 21 seconds, someone in the U.S. is diagnosed with cancer. 1 Heart Attack Every 25 seconds, someone in the U.S. will have a coronary event. 2 Stroke Every 40 seconds, someone in the U.S. suffers a stroke. 2 1 Heart Disease and Stroke Statistics – 2010 Update, American Heart Association 2 Cancer Facts and Figures, American Cancer Society, 2010

6. Insured… or Uninsured? There are two types of: break-ins / thefts health emergencies while traveling Insured and Uninsured! There are also two types of: heart attacks, strokes and cancer diagnoses!

7. Critical Illness - Why would I buy it if I have health insurance?

8. Surviving Has a Price Indirect expenses add up! Loss of income for self and/or spouse Home modifications Experimental treatment Child care and domestic assistance Transportation and lodging for family members and caregivers during treatment

9. Health Insurance Coverage Brakes plus an airbag Should there be significantly more relief, less deductibles, co-pays and maximums if it’s cancer? Consider raising your deductibles Funded by critical illness insurance, if a covered illness or condition. Remember the COMFORTS Spouse’s time off, hotel during treatment, plane tickets, nanny, etc.

10. Life Insurance - Why? If a major illness or accident were to take your life, you would want to insure your family, right? What if it did not take your life? Would you have a different goal? You may be around to see the outcome…

11. Life Insurance: Goal? Why did you buy life insurance? Not because you thought you would need it Because it would have been irresponsible or burdensome not to have it

12. What’s More Common? What’s more likely to happen… You die prematurely? You are diagnosed with a major illness?

13. Chances of Death vs. Disability vs. Critical Illness Probability of a claim for critical illness, disability for 180+ days, or death prior to age 65 Critical illness claim Disability claim for 180+ days Death claim MaleFemaleUnisexMaleFemale Age 3030%25%19%9%7% Age 3529%24%19%9%7% Age 4028%23%18%9%7% Age 4525%21%17%7%6% Age 5020%16% 5%4% Age 5513%10%13%4%3% Source: Canada Life, 2001

14. If you were diagnosed with cancer, would it reduce your stress if your mortgage would be paid for the next two years?

15. What Would Your Banker Do? …If he heard you were diagnosed with cancer? Double your line of credit? Be totally unconcerned?

16. About Assurity 120-year legacy—three Lincoln, Neb.-based insurance companies dating back to the 1890s A- (Excellent) rating from A.M. Best Company* More than $2.4 billion in assets under management *The fourth highest of 16 A.M. Best ratings for financial strength.

17. Assurity’s Critical Illness Insurance Assurity offers two policies: Simplified Critical Illness Fully Underwritten Critical Illness

18. Simplified Critical Illness Basics Issue ages: 18 to 64* $5,000 to $50,000 in benefits available 12 critical illnesses and conditions covered Guaranteed renewable to age 75 Optional riders include: –Disability Waiver of Premium Rider –Accidental Death Benefit Rider –Spouse Critical Illness Benefits Rider –Children’s Critical Illness Benefits Rider –Return of Premium Rider * To age 59 in some states. Policy form No. I H0810 or CI 005. Policy and rider availability, rates and features may vary by state. (R 9/12)

19. Simplified Critical Illness 12 covered conditions

20. Fully Underwritten Critical Illness Basics Issue ages: 18 to 64 $50,000 to $500,000 in benefits available 21 conditions covered Guaranteed renewable for life Optional riders include: –Disability Waiver of Premium Rider –Accidental Death Benefit Rider –Spouse Critical Illness Benefits Rider –Children’s Critical Illness Benefits Rider Policy form No. I H0820 or CI 007. Policy and rider availability, rates and features may vary by state.

21. Fully Underwritten Critical Illness 21 covered conditions

22. Policy Differences Simplified CI 12 covered conditions Up to $50,000 in coverage Shorter application No required medical exams; only a few health questions Guaranteed renewable to age 75 Four-day service guarantee to issue policy Fully Underwritten CI 21 covered conditions Up to $500,000 in coverage Longer application Fully underwritten Guaranteed renewable for life Assurity offers two products so you receive the coverage you need.

23. Return of Premium Upon Death If you die while your CI policy is in force, your beneficiary will receive: 100% of the premiums paid minus any benefits previously received, if you die of any cause.

24. These people had critical illness insurance when they needed it! Assurity’s actual CI cases OccupationGender, Age Critical Illness Diagnosed Months Policy in Force Benefit Amount Paid Lawn service ownerMale, 28Nasal cancer5$37,500 OptometristFemale, 45Breast cancer21$225,000 Service staff, medical office Female, 34Coma18$50,000 Maintenance directorMale, 36Melanoma40$10,000 ConsultantMale, 49Lymphoma10$75,000 Business ownerFemale, 44Bladder cancer3$9,000 PotterFemale, 46Lung cancer48$20,000 CEO, manufacturingMale, 36Stroke19$50,000 Part-time clerkFemale, 61Breast cancer30$7,000 Self employedMale, 48Stroke8$5,000 MinisterMale, 54Heart attack5$5,000

25. Ask Yourself Four Questions Who do you know…? Was it unexpected? Was there unplanned emotional or financial strain on the household/ business? Would cash have helped?

26. Why am I so passionate about critical illness insurance?

27. Questions? Policy Form Nos. I H0810 or CI 005, and I H0820 or CI 007. Product and rider availability, features and rates may vary by state. 15-467-02251 (8/13) 27 of 27 (Presentation only valid with all slides) Policies and riders contain reductions of coverage, limitations and exclusions. For details, contact your agent/producer, Assurity Life Insurance Company or ask to review the policy.