1. 1 1 Page 1Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Humana Financial Protection Products Humanas March Toward Consumerism

2. 2 2 Page 2Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 HFPP Product Presentations: –Memorial Fund –Cash Critical Illness Plan –Hospital Cash Plan Agenda

3. 3 3 Page 3Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Memorial Fund GCA07TAHH 2/10

4. 4 4 Page 4Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 A whole life insurance policy designed to offset final expenses Issue age 45-80 (nearest age) Benefits in $1,000 units up to $25,000 Benefit Options: –Immediate –Graded Death Payment Options: – Life –10 year 7 eligibility questions Memorial Fund - Unique Product Features Issue age: Age of nearest birthday on policy effective date.

5. 5 5 Page 5Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Memorial Fund also offers a graded death benefit with guaranteed level premiums and a guaranteed level benefit after the third policy year. The graded death benefit is a % of the policy face amount during the first 3 policy years as follows: 25% during the 1 st policy year 50% during the 2 nd policy year 75% during the 3 rd policy year 100% of the requested face amount thereafter Note: Not available in all states If death is due to an accident in the 1 st 3 years, the benefit Is 100%. Memorial Fund - More Than a Whole Life Plan

6. 6 6 Page 6Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Memorial Fund only requires a simple application with a few health questions. No Medical Exam You may qualify even if youve been declined for other life insurance Memorial Fund - Simple To Qualify

7. 7 7 Page 7Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Critical Illness Cash Plan

8. 8 8 Page 8Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Uncertainty can threaten from out of the blue! The mean lifetime cost of ischemic stroke in the U.S. is estimated at $140,048. This includes inpatient care, rehabilitation and follow-up care necessary for lasting deficits.* On average every 40 seconds someone in the United States has a stroke.* On average 1 in 2 men and 1 in 3 women will be diagnosed with cancer during their lifetime. * If you or a loved one suffers a critical illness, you could face significant out of pocket expenses. * Source: 2009 Heart Disease & Stroke Statistics, American Heart Association ** Source: Cancer Facts & Figures 2009, American Cancer Society Critical Illness Cash Plan

9. 9 9 Page 9Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 The Critical Illness Cash Plan provides lump sum benefits paid directly to your client for a covered critical illness such as: Heart Attack Stroke Cancer Peace of Mind is Important

10. 10 Page 10Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Benefit level to age 70 (50% decrease after 70 for benefits but premium remains level) 30 Day Free Look Simple, lump sum payments to insured Optional Return Of Premium Rider (ROP)* Issue Ages 0 - 69 (may vary by state) Individual 18 – 69 (may vary by state) Minimal Underwriting Guaranteed Renewable Policy Provisions *May vary by state Issue age: Age of last birthday or current age.

11. 11 Page 11Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 18 – 29 30 – 39 40 – 49 50 – 59 60 – 64 65 – 69 Dependent Children: 0 – 17 –Dependents age 18 at time of policy issue must apply for individual coverage as they are not eligible for dependent coverage. Age Bands Issue age: Age of last birthday or current age.

12. 12 Page 12Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Lump Sum Critical Illness Benefit * $5,000 to $50,000 ($5,000 units) * Maximum coverage: $50,000 Critical Illness Cash Plan $100,000 total in-force Kanawha coverage VascularCancerOther Critical Illness Heart Attack (myocardial infarction) Heart Transplant as a result of heart failure Stroke Coronary Artery Bypass surgery as the result of coronary artery disease (25% of base benefit) First diagnosis of invasive cancer or malignant melanoma Carcinoma In-Situ: (25% of base benefit) Major organ transplant, other than heart End stage renal failure Loss of speech or vision Coma Permanent paralysis due to accidental injury Base Policy Benefit Choices…

13. 13 Page 13Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Plan Options: PLAN 1 Vascular Cancer Other Illness PLAN 2 Vascular Other Illness PLAN 3 Cancer (Only) Flexible Plan Choices

14. 14 Page 14Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Coverage Options: * Individual Couple Single Parent Family * Child(ren) coverage available at 20% of base policy benefit - Max. $10,000 Coverage For You and Your Family

15. 15 Page 15Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Return of Premium Rider (ROP): –100% of premiums returned at the end of the 20 th year provide no claims are filed. –ROP rider Continues (recycles after 20 years)* –If claim occurs, ROP is removed and premium reduced to base policy premium. Optional Benefit Choice… * May vary by state.

16. 16 Page 16Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Answer all questions on the application MIB and Rx Screen APS (ages 60 plus and at underwriters discretion) Must meet build requirement Eligibility

17. 17 Page 17Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 A loss otherwise insured by this policy is not covered if it occurs within 30 days after a covered persons policy effective date. Waiting Periods

18. 18 Page 18Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 The cash payment can be used in any way your client desires The cash payment is in addition to any other insurance coverage Simple and Easy Benefits

19. 19 Page 19Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Minimal Underwriting No medical exam No telephone interview Just complete the application! 7 multi-part questions Easy To Apply

20. 20 Page 20Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Hospital Cash Plan

21. 21 Page 21Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 …who hasnt been touched by an accident, injury or sickness? During 2005, an estimate 115.3 million visits were made to hospital emergency departments about 39.6 visits per 100 persons. Infants under 12 months of age made 91.3 visits per 100 infants. This represents about 3.8 million visits. U.S. Department of Health and Humana Services, Advance Data, June 2007. If you or a loved one are hospitalized, you could face significant out of pocket expenses. Hospital Cash Plan - Is there anyone you know…

22. 22 Page 22Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 The Hospital Cash Plan provides lump sum benefits paid directly to your client to help offset unexpected out of pocket expenses Associated with: –Hospital Confinement –Outpatient Surgery –Accidental Injury or Sickness Hospital Cash Plan - Peace of Mind is Important

23. 23 Page 23Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Just a few health questions Issue Ages 0-69 –may vary by state No Underwriting Guaranteed Renewable to age 70, terminates at renewal after 70 th birthday 30 Day Free Look Simple, lump sum payments to your client Do not sell with HSA Plan Types: Individual Single Parent Family Hospital Cash Plan - Policy Provisions Issue age: Age of last birthday or current age.

24. 24 Page 24Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 18 – 44 45 – 54 55 – 64 65 – 69 Dependent Children: 0 – 17 –18-44 female is in child bearing years so watch for price differences –Children can receive individual policy if parent(s) are ineligible. –Dependents age 18 at time of policy issue must apply for individual coverage as they are not eligible for dependent coverage. Hospital Cash Plan - Age Bands Issue age: Age of last birthday or current age.

25. 25 Page 25Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Lump Sum Hospital Confinement*: –$250 –$500 –$1,000 –$1,500 –$2,000 Max. Coverage: –$2,000 for all in-force policies * Maximum of one confinement per insured per calendar year Hospital Cash Plan - Base Policy Benefit Choices

26. 26 Page 26Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Lump Sum Accidental Injury And Sickness*: –$150 per emergency room visit Max. occurrences per calendar year: –Individual: 2 –Single parent: 4 –Family: 6 * Emergency room visit must occur within 72 hours of accidental injury. Hospital Cash Plan - Base Policy Benefit Choices (contd)

27. 27 Page 27Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Lump Sum Outpatient Surgery*: –$150 for Outpatient Surgery Max. occurrences per calendar year: –Individual: 2 –Single parent: 4 –Family: 6 * Only one lump sum benefit will be paid if multiple surgeries occur within the same admittance/visit. Hospital Cash Plan - Base Policy Benefit Choices (contd)

28. 28 Page 28Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Hospital Confinement Daily Benefit Rider: –$50 ($200 ICU) –$100 ($400 ICU) –$200 ($800 ICU) Max. Coverage: –$200 for all in-force policies * Maximum of 30 days per a period of confinement resulting from injury or sickness Hospital Cash Plan - Optional Benefit Choices

29. 29 Page 29Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Cancer, hernia(s), adenoids and appendix or tonsils – (6) months unless treated on an emergency basis. –May vary by state Pregnancy and Childbirth (10 months) –May vary by state No benefits are provided or paid under this policy for care or treatment of any covered person donating an organ occurring during the first (12) months from the date of policy. –May vary by state Hospital Cash Plan - Waiting Periods

30. 30 Page 30Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 The cash payment can be used in any way your client desires The cash payment is in addition to any other insurance coverage Hospital Cash Plan - Simple and Easy Benefits Travel to specialist Co-pays, deductibles Lost wages

31. 31 Page 31Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 No medical exam No physician statements No telephone interview Just complete the application! 6 multi-part questions Hospital Cash Plan - Easy to Apply

32. 32 Page 32Proprietary & Confidential Information - Product Training Information GCA07V3HH 4/10 Questions?