A D V A N T A G E A G E N T 0 7

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A D V A N T A G E A G E N T 0 7

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Introduction

• Foundation of Advantage Agent
• Making it easier for you to do businesswith us
• Agents First
• Advantage Agent 07
• Expanded options for expanding your business

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AGENTS FIRST
Agents, Our First Customers
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Agents First

• We recognize that without you we wouldnt be in
  business
• We value the pivotal role you play in getting
  Assurant Health policies in front of your clients
  
• We appreciate your efforts on behalf of Assurant
  Health

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Agenda

• New Supplemental Products
• Tools to Help You Sell
• Individual Medical Product Updates
• Question and Answers

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New Supplemental Products
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New Supplemental Products

• New products that can be added to an Individual
  Medical sale
• Creating additional revenue opportunities
• Making it easy
• One convenient application
• Convenient, consolidated billing

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Life Insurance

• Increased commissions on both the Medical and
  Life sale
• Affordable premiums
• Available with CoreMed, MaxPlan and
  OneDeductible plans
• Underwritten by Time Insurance Company

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Life Insurance Commission Example
50,000 face value primary insured only


Note Spouse-only coverage is also available.
Point increase varies based on your current
commission level. Rates based on the CoreMed
plan, MI, ZIP 49201, 2,000 deductible, 80
benefit percentage, 6 million lifetime
maximum, 0 facility fee, effective date of
5/1/2007, Male age 42 (primary insured, standard
rates), spouse age 42 (preferred rates), two
children.
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Life Insurance Key client features

• Coverage available for primary insured, spouse
  and dependents
• Spouse-only coverage available
• Primary insured or spouse face amounts
• 50,000, 75,000, 100,000, 150,000 and
  200,000.
• Dependent face amounts
• Age 2 months to 1 year 2,000
• Age 1-18 years 10,000 and 25,000
• In ID, KY, MT, NH, OK and OR, the 150,000
  and 200,000 face values are not available for
  primary or spouse.The 25,000 face value is not
  available for dependents.

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Life Insurance More client features

• Coverage for persons up to age 64
• Accidental death benefit equal to two times the
  face amount
• Accelerated benefit equal to 50 of face amount
  of policy
• paid if covered person is diagnosed with a
  terminal illness
• life expectancy of 12 months or less

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Life Insurance Sales Made Easy

• One simple application for both health and life
  coverage
• No additional underwriting
• No paramed exam requiredeven at the highest face
  amounts
• The convenience of consolidated billing

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Dental Insurance Key agent features

• You can now offer your clients the added
  protection of Dental Insurance the process is
  simple for all involved
• Key agent features
• Easy quoting and submission Just click a box!
• Quick approval - No additional underwriting
• Underwritten by Time Insurance Company
• More commissionpaid same as medical

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Dental Insurance Key client features

• You can now offer your clients the added
  protection of Dental Insurance the process is
  simple for all involved
• Key client features
• One-stop shopping
• Cash benefits paid directly to clients or to
  providers
• Flexible coverage choose any dentist
• Fast claims
• Convenient billing
• Portable
• Guaranteed renewable for life

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Dental Insurance Plan Details
Example Single Male, Age 41 Premium 13.74/Month

• Examples of Dental Wellness Benefits
• Benefits are immediately paid at 100 of the
  listed benefit
• Examples of Basic Dental Benefits - Year 150,
  Year 2100
• Examples of Major Dental Benefits - Year 120,
  Year 250, Year 3100
• Combined maximum annual benefit for Basic and
  Major services per insured person 1000
• Examples of TMJ Services - Year 1-20, Year
  3500 lifetime/insured person

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No-Charge Dental with OneDeductible

• Dental insurance is included at no charge with
  all new OneDeductible plans inAL, AZ, MI, MT,
  OK and WY
• Provides coverage including
• Wellness Benefits
• Basic Services
• Major Services
• TMJ Services

No Charge!
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Hospital Indemnity Insurance Key agent features

• The ideal complement to a medical plan with a
  higher deductible
• Key agent features
• Easy quoting and submission Just click a box
• Quick and easy approval No additional
  underwriting
• Underwritten by Time Insurance Company
• More commission paid same as medical
• Note Available with CoreMed, MaxPlan and
  RightStart. Not available with OneDeductible or
  SaveRight HSA plans.

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Hospital Indemnity Insurance Key client features

• The ideal complement to a medical plan with a
  higher deductible
• Key client features
• Cash benefits paid directly to clients
• Flexible coverage No restrictions on choice of
  doctors or hospitals
• Fast claims
• Convenient billing
• Portable
• Guaranteed renewable for life
• One-stop shopping
• Note Available with CoreMed, MaxPlan and
  RightStart. Not available with OneDeductible or
  SaveRight HSA plans.

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Hospital Indemnity Plan Details
Example Single Male, Age 41 Premium 19.88/Month

• Hospital Indemnity Insurance is available
  withCoreMed, MaxPlan and RightStart plans
• Examples of benefits

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Policy Delivery Dental and Hospital Indemnity

• Policies
• Mailed directly to clients underseparate cover

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Marketing Supplemental Products

• Supplemental products are featured in
• IM product brochures
• IM master brochure

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Tools to Help You Sell
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Tools to Help You Sell

• Open 24/7 Do business whenever you want
• EASE
• IM Proposal Software
• Both now include Express Underwriting

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EASE

• You concentrate on your client, and let EASE
  concentrate on the details
• Always displays current rates and products
• Store all prospects online
• Electronic submission
• Real-time access to underwriting status
• Tools to help you sell
• My Sales Link
• My Web Page

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EASE New features

• Quick Quote is now HELP ME CHOOSE
• Help Me Choose matches your clients preferences
  to our plan designs
• Answer a few simple questions to produce the 3
  plans that best fit your clients need and budget

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EASE Simplified Client Verification
One screen for client review!
Attestation in less time!
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New IM Proposal Software

• Improved look and feel
• Built-in software update reminders
• New electronic submission capability
• Now includes industry-leading Express
  Underwriting
• Work offline and upload applications at your
  convenience

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Application Submission Options
Choose the one thats best for you!
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Express Underwriting

• The quickest way from quote to issue
• Ease
• Complete the entire process online or offline -
  no paperwork
• One and Done - no follow-up call required
• Speed
• Healthy applicants answer as few as 17 questions
• Policies issued in 24-48 hours
• Control
• You choose how involved you want to be
• Uses 5-year medical history

Increased placement 75 of applicants are
issued without talking to an underwriter!
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Five Steps for Express Underwriting
Step 1 Run quote and complete the client
demographic information. Select Begin
Submission in Software to enter health history.
Step 2 You complete the 17 health questions with
client.
Step 3 You upload completed application to
Assurant Health via EASE.
Step 4 Assurant Health sends online confirmation
and link to verifyhealth.com you forward to
client for their verification.
Step 5 Client attests to information and submits
back to Assurant Health for issue.
Result An issued policy in as few as 24-48 hours.
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Submit Options
Preferred method
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Completing the Health Questions
Healthy clients quickly answer only 17 questions!
Overall experience is improved for ALL clients
Policies can be issued in as few as 24 hours.
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If a Client Answers Yes...
Answers to certain questions prompt follow-up
questions that are completed online
Clients with extensive medical history may
receive a call from an underwriter
The Result a faster, more efficient experience
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Online Verification
EASE includes a simple online verification process
Clients receive link to verify their information
online
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Individual Medical Product Updates
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RightStart Cancer Benefit

• Protection when your clients need it most
• Increases Outpatient Services Maximum by 25,000
  per person per calendar year
• Triggered based on diagnosis and treatment of
  cancer
• Benefit amount is in addition to the outpatient
  annual maximum selected with the plan (ex.
  10,000 benefit increases to 35,000)
• Once benefit is activated, funds can be used for
  any covered outpatient expense - not just
  cancer-related expenses
• Benefit resets each calendar year
• Optional benefit on all RightStart plansin most
  states

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RightStart Cancer Benefit

• Easy to Sell
• No additional underwriting or paperwork required
• Rates are affordable
• Example a 41-year-old single male in WI ZIP
  53202 can upgrade from a 10,000 outpatient
  benefit for 13.49/month

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RightStart Cancer Benefit

• Examples of cancer treatments typically provided
  on an outpatient basis
• Chemotherapy
• Radiation therapy
• Office visits to an oncologist
• Follow-up diagnostic and lab tests

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HSA Enhancements

• Rates for OneDeductible plans with coinsurances
  of 80, 60 or 50 have been reduced by 6
• Convenient line of credit available to HSA Tools
  customers

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HSA Enhancements Legislation

• Relaxed limits on 2007 HSA contributions
• Clients can contribute up to the full annual
  limit, regardless of when they open their
  accounts during the year.
• Contributions are no longer limited by the
  selected deductible. Account holders can
  contribute up to
• 2,850 for single coverage
• 5,650 for family coverage
• More HSA information is available at
• http//ustreas.gov/press/releases/hp209.htm

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Recurring Credit Card Payments

• Recurring credit card payment is now available
  for quarterly, semi-annual and annual billing
  modes in all states
• Recurring credit card payment remains available
  for all billing modes (including monthly) in AZ,
  CT, KS, NC and OH

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Multiple-Year Rate Guarantees

• 2-year rate guarantee at no additional cost
• 3-year rate guarantee available
• no renewal increase until 2010!
• for client and agent peace-of-mind

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0 Deductible Package

• The 0 Deductible Package offers
• Simplicity immediate benefits with no medical
  deductible
• Convenience copay for doctor visits
• Available on RightStart PPO, CoreMed and MaxPlan,
  including
• 45 copay
• 50 coinsurance
• 10,000 coinsurance out-of-pocket maximum
• Save up to 23 on RightStart!
• Note 500 deductible RightStart

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Improved HealthyDiscount Program

• 10 off for as many as 6 renewals!
• Give your clients greater control over their
  health care costs now and for years to come.
• Program extension
• Relaxed claims criteria
• A clean slate each renewal period

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Thank You

• This presentation provides summary information.
  For a complete listing of benefits, exclusions
  and limitations, please refer to the certificate
  of insurance.
• For agent use only. Assurant Health is the brand
  name for products underwritten and issued by
  Time Insurance Company, Union Security Insurance
  Company and John Alden Life Insurance Company.
• Form J-51700 (3/07)

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Initiatives at a Glance