1. List Bill from Assurant Health A new, free service for Small Group Employers List Bill—A New Option J-44431 (4/2006) © 2006 Assurant, Inc. All rights reserved.

2. List Bill—A New Option The high cost of insurance is forcing some employers to drop coverage or look for alternatives to providing group coverage Some employees don’t qualify for employer-paid group coverage List Bill provides the opportunity for your employees to purchase health insurance linked to employment, without your business funding the cost

3. What is List Bill? List Bill is a billing service that enables an employer to payroll deduct premium for individual medical policies purchased by employees One simple bill itemizing all employee premiums is sent monthly to the employer Employer sends one check to Assurant Health, covering all employee premiums

4. Why List Bill Is Important More employees are seeking coverage through individual policies Many employers are looking for alternatives to high cost health plans Payroll deduction through an employer provides a convenient and easy way for employees to obtain individual coverage

5. List Bill Employer Advantages Free service—there is no fee for you or for your employees Valuable option you can offer to attract and retain new employees You provide a way for your employees to purchase individual health plans from a leader in the insurance industry

6. List Bill Employee Advantages Employees choose from a variety of individual plans backed by Assurant Health, an organization with a history of financial strength Employees have complete control over benefits design and cost Individual plans are portable Individual plans may be more affordable than group health plans Convenience of payroll deduction Option for employees not normally eligible for a group plan

7. How List Bill Works Employer signs a List Bill agreement Employees choose and apply for Assurant Health individual medical insurance plans Employer receives one consolidated bill for all employee monthly premiums Employer remits one consolidated check to Assurant Health each month

8. What to Expect from List Bill When one of your employees is approved for coverage, you receive a letter that includes — Employee’s name — Effective date of coverage — Premium amount

9. Adding or Removing Employees Once List Bill is set up, it’s simple to add or remove an employee

10. Sample List Bill Summary page

11. Sample List Bill Billing details

12. Assurant Health Product Portfolio Assurant Health’s individual medical product portfolio offers 5 distinct plans for employees to choose from

13. List Bill Employer Advantages NO SERVICE FEE Assurant Health sets up and maintains the List Bill service at no charge to you or your employees. Monthly Billing Statement There’s no guesswork. You receive a monthly bill that lists your employees, their premium amounts, and the total amount you must remit. Billing Due Date 1 st through 28 th Select the date that works best for your business. No Separate Employee Affidavit No additional employee forms to provide.

14. Assurant Health— our plans are based on yours www.lpicompanies.com LPI Companies Inc. 1-877-700-5744