Brent DeGroot, LTCP

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WELCOME
Designed for YOUR Clients

• Brent DeGroot, LTCP
• National Director, Sales Training Education

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World Insurance Company
Designed for YOUR Clients

• Home Office is located in Omaha, NE
• Celebrated 100th anniversary in 2003
• Today
• Focus on new business in individual medical
• A- (Excellent) A.M. Best rating
• Financial strength of American Enterprise Mutual
  Holding Company
• History
• 17 consecutive years of positive surplus growth
• Total World surplus of over 220 million

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The Advantage Portfolio Offering the benefits
clients need and the price they can afford.
Designed for YOUR Clients

• Flex Advantage
• Value Advantage
• HD Advantage
• (HSA-plan)

• Comprehensive coverage, predictable out-of-pocket
  costs
• Affordable, catastrophic coverage
• Single deductible for families, tax advantages

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Flex Advantagefrom World Insurance Company
Comprehensive coverage, Predictable out-of-pocket
costs
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Flex Advantage Snapshot View

• Key market segments include individuals and
  families who
• want predictable out-of-pocket costs for
  physician office visits and prescription drugs
• are willing to pay more for higher levels of
  coverage
• want more traditional health insurance

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PPO Plans The Basics
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PPO 100/ High Deductibles The Basics
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Traditional Plan The Basics
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Key Benefits(subject to deductible/coinsurance)

• 2 million life maximum (500,000 transplants)
• Physician office visits
• Outpatient prescription drugs
• Inpatient/outpatient hospital
• 100 ER copay for illness if not admitted
• ICU (3 times semiprivate and up to 30 days for
  non-PPO)
• Diagnostic X-ray, lab
• Mammography
• Can be enhanced with optional rider

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Wellness Benefits(subject to deductible/coinsuran
ce)

• PPO plans only
• Up to 250 of in-network, wellness expense can be
  considered eligible expense, subject to
  deductible/coinsurance and copay
• 6-month wait
• Routine physicals, screenings, immunizations
  appropriate for the age/gender

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Limited Benefits(subject to deductible/coinsuranc
e)

• Foreign Medical Care ER care only,
  100,000/lifetime
• Chiropractic 25/day, 500/year
• Spinal Manipulation 25/visit, 500/year
• Home Health 40 visits/year
• Skilled Nursing 60 days/year
• Allergy Testing and Injections 500/yr.

• Occupational, Physical, Speech Therapy
  50/visit, 2,000/year
• 6-month wait for tonsils, adenoids, tubes in
  ears, hernia, hemorrhoids
• Air ambulance 5,000 per occurrence

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Optional Physician Riders (PPO Plans Only, N/A
on 2 High Ded Plans)

• Physician Office
• Copay Rider
• 30 per visit
• 2 visits per year
• In-network only

• Physician Office
• Copay/DXL Rider
• 30 per visit
• No visit maximum
• 200 diagnostic lab X-ray (DXL), no deductible/
  coinsurance
• In-network only

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Other Optional Riders (N/A on 2 High Ded Plans)

• Prescription Drug
• Generic
• 15 or 20, if greater
• 200 deductible/year for Brand
• Brand Formulary
• 35 or 50, if greater
• Brand Non-Formulary
• 50 or 50, if greater

• Maximum Benefit
• 5 million life max (1 million transplant max)
• Term Life
• 10,000, 25,000, 50,000
• Outpatient Accident
• 500, 1,000, 1,500, 2,000, 2,500, 3,000 and
  5,000
• No ded/coinsurance

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Optional Maternity Rider (N/A for the 2 High
Deductibles)

• Maternity Rider (1-8 Units Unit 250)
• Rider pays percentage for Pregnancy ending in
• Year 1 (100)
• Year 2 (150)
• Year 3 (200)

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Hospital/Surgical Plan The Basics
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Hospital/Surgical Plan High Deductibles The
Basics
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Non-Covered Expenses(see sales material for
complete list)

• Preexisting Conditions
• 2 years
  
• Amount over U C (NA to
  PPO providers)
• Mental/nervous, substance abuse
• Birth control pills

• Experimental/ investigative treatment
• Normal pregnancy/ child birth
• Hospital/Surgical only physician office visits,
  outpatient drugs, outpatient medical

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Value-Added Benefits

• NCA membership
• 24-7 Nurse line
• Discounts on eye glasses, alternative medicine,
  dental services, car rentals
• 3 times family deductible maximum
• WorldDoc, Rxaminer more

• Drug discount card (if copay rider not selected)
• 12-month initial rate guarantee
• 24-hour protection
• National PPO discounts
• ER care from non-PPO paid as in-network if
  medically necessary
• No claims forms (if PPO)

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NEW Value-Added Benefits

• Valuable Discount Plans (Flex, Value, HD)
• Dental (20-45) 64,000 providers across the
  U.S.
• Vision (10-60) 12,000 national regional
  vision centers
• Pearle Vision, Sears Optical, EyeMasters, JC
  Penney Optical, Lens Crafters
• Hearing 15 savings on name brand instruments,
  newest digital hearing aids and testing services
  at over 1,400 locations.

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Value Advantagefrom World Insurance Company

• Affordable,
• Catastrophic Coverage

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Value Advantage Snapshot View

• Key Concept
• Lower premium (up to 40 less than Flex
  Advantage)
• Customer pays smaller dollar expense (Physician
  office visit, outpatient Rx), World covers the
  catastrophic loss.
• Key market segments include individuals and
  families who
• Cant afford high end coverage but want
  protection against catastrophic expense
• Upper income persons who can afford to
  self-insure smaller expense but want to conserve
  wealth.

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The Basics
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Key Benefits(subject to deductible/coinsurance)

• 1 million life maximum (500,000 transplants)
• Inpatient hospital
• Access Fees 500/confinement (maximum of 4 per
  year)
• ICU (3 times semiprivate and up to 30 days for
  non-PPO)
• Outpatient Medical
• Access Fee
• Outpatient 250 per day, NA to chemo and
  dialysis (maximum of 4 per year)
• Emergency Room 250 per visit, waived if
  admitted to hospital (No maximum)
• Diagnostic X-ray, lab
• Mammography
• Can be enhanced with optional rider

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Limited Benefits(subject to deductible/coinsuranc
e)

• Foreign Medical Care ER care only,
  100,000/lifetime
• Home Health 40 visits/year
• Skilled Nursing 60 days/year
• Occupational, Physical, Speech Therapy
  50/visit, 2,000/year

• 6-month wait for tonsils, adenoids, tubes in
  ears, hernia, hemorrhoids
• Air ambulance 5,000 per occurrence

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Key Limitations

• No Coverage for
• Doctor office visits (lab and x-ray subject to
  ded and coinsurance, access to PPO discounted
  rate)
• Outpatient Rx (discount drug card included)
• Spinal manipulation, allergy testing,
  mental/nervous, sterilization, normal pregnancy,
  experimental/ investigative treatment
• An optional rider is available for these
  benefits.

• Preexisting Conditions
• Not covered for first 12 months
• Applies to conditions which occurred 24 months
  before the effective date
• Applies to disclosed AND non-disclosed conditions
• State variations may apply.

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Benefit Enhancement Options

• Benefit Increase Rider
• Outpatient Rx
• 500 deductible per year per person, 2,500 max
• Generic 10 20
• Brand (Form) 25 50
• Brand (Non-Form) 35 50
• 40 Doctor office copay
• (in-network only)
• 0 Inpatient and Outpatient Access Fee

• Lifetime Maximum Increase
• 5 million (1 million transplant max)
• Calendar Year Maximum/ Person
• 100,000 or 250,000
• Accident Rider
• 500, 1,000, 1,500, 2,000, 2,500, 3,000 and
  5,000
• No ded/coinsurance
• Term Life Rider
• 10,000, 25,000, 50,000

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HD Advantagewith Optional Comprehensive
Benefit Enhancement

• HSA-Eligible Plan
• Single Family Deductible

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HD Advantage Snapshot View

• Key market segments include individuals and
  families who
• want comprehensive yet simple coverage
• utilize tax-qualified status of HSA-eligible
  plans
• are willing to self-insure smaller, more
  affordable expenses in exchange for a more
  affordable premium

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The Basics Individual Plans
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The Basics Family Plans
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The Basics Traditional (non-PPO) Plans
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Key Benefits(subject to deductible/coinsurance)

• 2 million lifetime maximum (500,000
  transplants)
• Physician charges (inpatient only)
• Prescription drugs (inpatient only)
• Inpatient hospital
• 100 ER copay for illness if not admitted
• ICU (3 times semiprivate and up to 30 days for
  non-PPO)
• Outpatient surgical expenses
• Diagnostic X-ray, lab (primarily inpatient only)
  
• Mammography
• Other skilled nursing, hospice, air ambulance
  (5,000/ per year)
• Can be enhanced with optional riders

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Non-Covered Expenses(see sales material for
complete list)

• Pre-existing Conditions 2 years
• Amount over U C (NA
  to PPO providers)
• Normal pregnancy, childbirth
• Birth control pills
• Mental/nervous, substance abuse
• Experimental/ investigative treatment

• Physician Office Visits
• Prescription Drugs (Rx)
• Outpatient Services Physical, Speech,
  Occupational Therapy
• Foreign Travel Emergencies
• Allergy Testing, Injections
• Chiropractic/ Spinal Manipulation
• Can be enhanced with an optional rider

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Lower Rates

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Comprehensive Benefit Option

• Subject to deduct/coinsurance
• Outpatient Rx Benefits
• Physician Office Visits
• Foreign Travel Emergency
• 100,000 lifetime maximum
• Outpatient Services
• PT, OT, Speech
• Diagnostic Testing
• Spinal manipulation
• Air Ambulance (5,000/ per occurrence)

• Wellness Benefit
• 150/year, per person
• 0 deductible, first dollar
• 12 month wait
• Routine physicals, screenings, immunizations
  appropriate for the age/gender

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Other Optional Riders

• Maximum Benefit
• 5 million lifetime max (1 million transplant
  max)
• Calendar Year Maximum
• 100,000 or 250,000
• Term Life
• 10,000, 25,000, 50,000
• Outpatient Accident
• 500, 1,000, 1,500, 2,000, 2,500, 3,000 and
  5,000
• No ded/coinsurance

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World Insurance Introduces

• Our new partner in HSA integration
• No fees for the first year
• 24/7 HSA Customer Service/ Nurse Help Line
• Free Visa Debit Card
• E-mail Notification of Transactions
• Live Activation Encourages Client Understanding
• Bill Review and Negotiation
• Portability HealthEquity HSAs Will Work With
  Other Qualified HDHPs
• Personal HSA Desktop
• Deposits, Withdrawals, Claims History
• World Doc/ Rxaminer other tools

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Who Wants a Raise?

• First year Commissions-
• For 15 Months

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New 1-2-3 Application
Designed for YOUR Clients

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• Demo site
• http//demo.eapp.worldinsco.com
• username Demo
• password Eapp123

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www.WorldSells.com
Designed for YOUR Clients

• World Mail e-mail account (HIPAA Compliant
  Secure)
• Check underwriting status, outstanding
  requirements
• Download software, sales material, applications
• List Bill Forms
• Check commission payment, statements

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Your Underwriting Partner
Designed for YOUR Clients

• Underwriting decisions average 10 calendar days
  from date received (50 are approved in just a
  week).
• No mandatory parameds (at underwriters
  discretion).
• Streamlined Application process World orders
  all outside underwriting requirements (exam, APS)
  so you can spend more time selling.
• Pre-screen applicants- You can call an
  underwriter directly by calling 800-733-5454
  (opt. 2).
• - Agents only -

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Want to go on a boat ride with us?

• ?

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Individual Dental Short-Term Medical
Designed for YOUR Clients

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Quote an Advantage Portfolio Product for Your
Next Client!
Designed for YOUR Clients

• ?Flexible product design
• Competitive rates
• Superior service
• Financial strength

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Questions?
Designed for YOUR Clients
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Thank You!
Designed for YOUR Clients