1. Assurant Health News July Implementation We will be starting shortly. Please mute your phones. If you do not have a mute button, press * 6 = mute * 7 = unmute (to return your line to talk mode)

2. Assurant Health News July Implementation Product Training May 2009

3. 3 Agenda Assurant Affordable Health Access – An easy solution now even easier to sellAssurant Affordable Health Access – An easy solution now even easier to sell New Sales OpportunitiesNew Sales Opportunities HSA Tools Helps Clients Manage FundsHSA Tools Helps Clients Manage Funds Good News in KansasGood News in Kansas CoreMed Drug OptionsCoreMed Drug Options Patient Care Supports RetentionPatient Care Supports Retention TelaDoc Helps Control Clients CostsTelaDoc Helps Control Clients Costs Health Access Electronic SubmissionHealth Access Electronic Submission

4. Assurant Affordable Health Access The affordable health insurance solution that covers the everyday needs consumers value most

5. 5 Assurant Affordable Health Access Launched in August 2008 –Paper application submission Seeing great sales success with individual consumers –Looking for affordable coverage –Out of a job –Employer doesnt offer coverage … and who are different than our traditional plan buyers Placement rates 92+% Early retention results positive

6. 6 Health Access Sales and % of Channel

7. 7 Expanding the IM Market 18M Americans 15M > 400% Federal Poverty Level 7M 200-400% Federal Poverty Level 2M Uninsurable 13M < 200% Federal Poverty Level 9M Non-U.S. Citizens 46M Uninsured Individual Market Today Uninsured Americans New customer base – incremental market space States endorsing Limited Benefit plans to help solve uninsured crisis NOT cannibalizing core products, including Rightstart Market Focus

8. 8 Assurant Affordable Health Access The right plans for the right time Affordability Three modestly-priced plans Usefulness Covers services for everyday needs Value First-dollar benefits and discounts Accessibility Easy to qualify Flexibility Keep your doctor

9. 9 Why its so popular Consumers want an affordable plan with: First-dollar benefits on services for everyday needs they value –Doctors office visits –Prescriptions –Preventive care –Immunizations Copays No high deductible

10. 10 Just Make it Simple Consumers dread shopping for health insurance and are overwhelmed by the process.

11. 11 What Consumers Say … Affordability is the #1 reason consumers purchase Health Access I figured a little was better than nothing … Peace of mind would be the three words that would cover what I want to accomplish. I know that if I go into the doctor, I know the office visit is covered. I dont have to worry about going to the doctor…Its peace of mind to have the office visit paid for (Noel/58). Its affordable…and it gives you what you need (Jolene/45). For the small amount you spend, you get your value, you get your moneys worth (Robert/39)

12. 12 What Consumers Say … The process of signing up for Health Access was not difficult. It was described as the good, better, best plans, and you made a choice. I chose the middle one, the most affordable for what I needed. (Tracy/40) He showed me the very basic to the middle of the road and the Cadillac one. I chose the middle of the road one, so I can be covered for doctor visits-like if I get a cold, some kind of prescription plan that covers at least something. Something that covers hospital visits and basic procedures. This plan will pay up to a certain amount. I can deal with that. (Steven/37)

13. 13 Who is the Health Access Customer 60% of HEALTH ACCESS applicants have high school or technical school training as their highest level of education 46% of HEALTH ACCESS applicants have family incomes of less than $50,000 33% of HEALTH ACCESS applicants have family incomes of less than $40,000 20% of HEALTH ACCESS applicants have a net worth of less than $25,000

14. Assurant Affordable Health Access PLAN OVERVIEW

15. 15 Assurant Affordable Health Access Limited-Benefit Product Three limited-benefit plans: Health Access Plan A No medical questions Health Access Plans B or C Limited medical questions An affordable option compared to major medical plans Coverage for certain services up to a set dollar amount Calendar year maximums

16. 16 Health Access Product Overview Available in AL, AR, AZ, FL, IA, IL, IN, MI, MO, MS, OH, OK, PA, SC, TN, TX, WI, WV and WY No benefit waiting periods Covers what is important to employees Doctors office visits and prescription drugs Preventive care and immunizations Network discounts Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

17. 17 Coming for Mid August Suite Solutions Additional states: –Certain- SD, AK, DE, MD, NE, NM, CO, GA –Highly likely- LA, CA, –Hopeful- NC, NV

18. 18 Health Access Plan A Overview Easy to apply for: No underwriting (no medical questions) No pre-existing condition limitations No ratings No special exception riders No condition-specific deductibles Applicants through age 63 are eligible Covers services for everyday needs No modified benefit endorsements Health Advocates Alliance Membership (some states)

19. 19 Health Access Plan A Doctor Office Visits Client pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots. $25 (Primary Care and Retail Health Clinic) $35 (Specialist) Limit 4 office visits Plan pays $150 max per office visit No deductible or coinsurance Prescription Drug Client pays copay and plan pays 100% up to a maximum of $750 per calendar year $10/$50 (Generic/Brand) Plan pays up to $750 max per calendar year No deductible or coinsurance Outpatient Diagnostic Imaging and Laboratory Services Plan pays up to $250 benefit for x-ray and lab only No deductible or coinsurance Surgical Services Must be performed during an office visit Plan pays $250 max per calendar year No deductible or coinsurance

20. 20 Health Access Plans B and C Overview Only two medical questions –Pregnancy/adoption –Select few medical issues Applicants through age 63 are eligible Covers services for everyday needs plus inpatient, outpatient and prescription drug benefits Easy to apply: Accept/Reject application No ratings No special exception riders No condition-specific deductibles No modified benefit endorsements

21. 21 Health Access Plans B and C PLAN BPLAN C Doctor Office Visits Client pays copay and the plan pays 100% of the remaining cost of an eligible office visit including wellness, examination, consultation, evaluation, development of a treatment plan, immunizations and allergy shots. $25 (Primary Care, Specialist & Retail Health Clinic) Limit 4 office visits Plan pays $150 max per office visit No deductible or coinsurance Prescription Drugs Client pays copay and plan pays 100% up to a maximum of $250 or $750 per calendar year $10/$50/$75 (Generic/Preferred Brand/ Non-Preferred Brand) Plan pays up to $250 in benefits per calendar year No deductible or coinsurance $10/$50/$75 (Generic/Preferred Brand/ Non-Preferred Brand) Plan pays up to $750 in benefits per calendar year No deductible or coinsurance Outpatient Medical Services Includes outpatient hospital, surgical center or urgent care facility and diagnostic imaging and laboratory services, chemotherapy, and radiation performed during an office visit or as outpatient. $200 deductible 80%/20% coinsurance up to $500 in benefits per calendar year $200 deductible 80%/20% coinsurance up to $1,000 in benefits per calendar year Surgical ServicesInpatient and Outpatient Up to scheduled benefit amount Up to $100,000 in benefits per calendar year (based on schedule) No deductible or coinsurance Inpatient and Outpatient Up to scheduled benefit amount Up to $200,000 in benefits per calendar year (based on schedule) No deductible or coinsurance Assistant SurgeonUp to 20% of amount paid for surgery AnesthesiologistUp to 20% of amount paid for surgery

22. 22 Health Access Plans B and C PLAN BPLAN C Ambulance (Ground/Air)Up to $100 ground/$1,000 air per trip, up to two trips per calendar year Emergency RoomUp to $250 in benefits for each of two visits per calendar year $100 emergency room fee Fee waived if admitted No deductible or coinsurance Inpatient Benefit Facility Charges Up to $750 in benefits per day for sickness Up to $1,000 in benefits per day for injury 80%/20% coinsurance up to $100,000 in benefits per calendar year No deductible Up to $2,000 in benefits per day for sickness Up to $4,000 in benefits per day for injury 80%/20% coinsurance up to $200,000 in benefits per calendar year No deductible Other Non-surgical/ Non-facility Inpatient Services Considered under the inpatient per day maximum Coinsurance applies No deductible Life InsuranceUp to $10,000 benefit included for primary Lifetime Maximum$ 1 Million Up to $750 in benefits for each of two visits per calendar year $100 emergency room fee Fee waived if admitted No deductible or coinsurance

23. 23 Discount Opportunities MultiPlan network discounts LabCard Select (LabOne) outpatient laboratory services Medco participating pharmacies Patient Care Health Advocates Retail Health Clinics Health Payment Advocates Other diagnostic ancillary services

24. 24 Rates Simplified rating Not gender or area rated Not rated for risk class No smoker status Has very broad age bands; based on primary Examples Plan A: 28-year-old woman w/ one child Monthly rate = $74 Plan B: 40-year-old husband and wife Monthly rate = $194 Plan C: 30-year-old single man Monthly rate = $104

25. 25 Effective Date Rules Options are 1st or 15th of the month How to know which to choose: Enrollment Form signed date 1st-15 th = 1st of next month Enrollment Form signed date 16th–31st = 15th of the next month Example: Enrollment Form signed on 7/29 = first effective date available of 8/15

26. 26 Easier than ever to sell! Effective May 18 Submit Health Access business online –www.assuranthealthsales.com Repositioned marketing materials –Easier to reach broader market of individual consumers

27. 27 New Health Access Materials Reflect broader audience Identify everyday value for consumer Help consumer maximize value of limited- benefit plans –Consumer brochure –Agent engagement pieces –Health Insurance Reference Guide

28. 28 Consumer Brochure Addresses need for affordable solution Highlights first-dollar benefits Details ease of qualifying for plans

29. 29 Agent Engagement Pieces Portfolio overview brochure and highlight pamphlet Position Health Access as solution to client needs, especially in this economy Highlight what interests agents –Pricing –Eligibility questions –Valued benefits

30. 30 Health Insurance Reference Guide Reaffirms purchasing decision Provides realistic and achievable ways to stretch value of limited-benefit plans Promotes consumer education and smart choices Provides post-sale education and additional ways to maximize the benefits of the plan – Limited benefit doesnt mean limited value!

31. 31 Materials List Highlights Other Options Materials available for each target customer segment: –Individual consumers –Worksite

32. 32 Agent Library Presentation Check out the Health Access point-of-sale presentations in the Agent Library Email a presentation link to your clients New and revised Health Access presentations will be available May 15. Health Access – Individuals & Families Health Access – Individuals & Families Health Access – Employers Health Access – Employers Health Access – Employees Health Access – Employees

33. 33 Health Access Sales Campaign – Writing Agents (May 16-August 16, 2009) Sell one AAHA policy get an Assurant mug Sell five AAHA policies get an Assurant 24-can cooler Prizes distributed weekly

34. 34 Health Access Sales Campaign – General Agents (May 16-August 16, 2009) 1 st Tier Trip - Sell at least 25 policies –Two-night stay at select properties in the continental U.S. –Breakfast daily for two –$100 worth of Marriott or Fairmont dollars 2nd Tier Trip - Sell at least 50 policies –3 night / 4 day trip –2 coach class airline tickets to Miami, Arizona, Napa Valley or New York –3 nights at select Marriott, Renaissance or Fairmont properties –$300 Marriott/Fairmont dollars –Breakfast daily for two Maximum number of five trips per General Agent

35. 35 New Sales Opportunities IL: Rates reduced with the Health Link Plans in the northern suburbs of Chicago (zip codes 600-605), offsetting trend CO: Rates in many zip codes lowered to better align with Denver GA: Rates in Coventry network in Macon will decrease 5%; and have decreased in Atlanta to offset trend MI: New Physicians Care network is the lowest priced network in Grand Rapids NC: Rates lower on all IM plans in Charlotte –11% on RightStart Elite, CoreMed Elite, MaxPlan Elite –9% for One Deductible Elite and SaveRight Elite (continued)

36. 36 New Sales Opportunities (continued) OK: –Rates 5% lower on all IM plans in Tulsa –Rates 9% lower on CoreMed Elite, Max Plan Elite and RightStart Elite in Oklahoma City TN: –In Chattanooga, rates on all IM plans reduced 5% –Overall, with the Great-West network introduction, rates in Chattanooga will be down 15 - 20% TX: Rates on CoreMed Elite, MaxPlan Elite and Right Start Elite will be reduced in these markets: –Austin - Reduced 4% –Corpus Christi – Reduced 18% –San Antonio - Reduced 5%

37. 37 HSA Tools Helps Clients Manage Funds Comprehensive HSA administration service – no monthly fee Services include: –Efficient fund transactions and account tracking services –Easy online claims payment including directly to providers –Options such as a line of credit and mutual fund investments –Online access to helpful medical and prescription drug information –Easy access to HSA funds including a handy debit card For new and existing Assurant Health customers who choose HSA Tools to administer their HSAs

38. 38 Rate Guarantees First time in Kansas! 24-month rate guarantee now available Stable rates help your clients plan ahead Optional with these plans –CoreMed Elite $2,000 deductible and up –MaxPlan Elite $2,500 deductible and up –OneDeductible Elite $2,100 deductible and up –SaveRight Eliteall deductibles –RightStart Elite$2,500 deductible and up

39. 39 CoreMed Drug Options Prescriptions paid as any other covered charge –No separate copay, deductible or coinsurance –100% coverage after deductible and coinsurance satisfied –Heres where youll see the larger discounts over the copay option –Higher deductibles and/or lower coinsurances –Females vs. Males –Age 50+ –Standard vs. Preferred Prescription copay option –For clients seeking defined cost and who want copays –Generic = $15 copay only; brand = $25 copay plus 50% coinsurance after $500 deductible is met

40. 40 Patient Care Supports Retention Launched in July 2008 Keeps customers longer – positive impact on retention Takes you out of the middle Available with all types of plans –High deductiblesmanage out-of-pocket costs –Health Accessmaximize limited-benefit plans See Agent Library and Find a Form for details

41. 41 TelaDoc Helps Control Clients Costs TelaDoc is another option for managing clients out-of- pocket costs –Access to non-emergency healthcare by phone – 24/7 –Consultations by U.S. based, state-licensed, board-certified physicians –Services for registered plan members, age 10 and older Teladoc is included as a first dollar benefit on all Coremed Elite and Maxplan Elite Non-Copay plans -3 free consultations per person each year –Additional consultations are only $35 each and are subject to deductible and coinsurance OneDeductible Elite plans and all Short Term Medical plans (including HealthSaver®) include Teladoc membership and policyholders have access to phone consultations for $35 each, subject to deductible and coinsurance

42. Health Access Electronic Solution

43. 43 Health Access Quoting Health Access quoting will be available via Create A Quote Only major change to quoting for Health Access is on Quote Confirmation page: – Begin Submission button allows for electronic submission of Health Access –Click here hyperlink is available for Quote Linking of Health Access

44. 44 Sales Home Page Now, there are two ways to quote Health Access plans

45. 45 Create A Quote path Plan Information page Health Access plans will now appear on this page.

46. 46 Quote Confirmation Page

47. 47 Quote Confirmation Page Begins Electronic Submission Begins Quote Linking process NEW FUNCTIONALITY for Health Access applications:

48. 48 Submission Same, easy process as Individual Medical Personal Information Submit Options –I am with client –Online Verification Health Questions (only for Plans B/C) –2 or 3 instead of 17 Payment Authorizations/Submit to Underwriting Confirmation

49. 49 Health Questions Health Access Questions all on the same page. Each question must be answered for each applicant in order to continue.

50. 50 Underwriting Authorization Underwriting Authorization for Health Access plans will match the enrollment forms.

51. 51 Questions?

52. 52 Thank You!

53. 53 Youre helping change the landscape of the uninsured market! Thank you!