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

Agents, Our First Customers

AGENTS FIRST

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Agents First

We recognize that without you we wouldn’t 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

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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* 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.

$50,000 face value — primary insured only

Note: Spouse-only coverage is also available.

Life Insurance — Commission Example

Premium:

Medical coverage annualized premium $3,413

Life annualized premium $ 177

TOTAL $3,590

What you’ll earn:

Medical-only commission ($3,413 x 33%) $1126

Medical with Life Commission ($3,590 x 38%)

$1,364

Earn an additional $238!

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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 required—even 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 commission—paid 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

Examples of Dental Wellness Benefits

Benefits are immediately paid at 100% of the listed benefit

Examples of Basic Dental Benefits - Year 1=50%, Year 2+=100%

Examples of Major Dental Benefits - Year 1=20%, Year 2=50%, Year 3+=100%

Combined maximum annual benefit for Basic and Major services per insured person: $1000

Examples of TMJ Services - Year 1-2=0%, Year 3+=$500 lifetime/insured person

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Exams, X-Rays, Cleanings $25/visit

Amalgam — Three Surfaces $40Extraction — Erupted Tooth $20Rebase complete or partial denture $60

Inlay — Metallic — Two Surfaces $125Crown $125Maxillary Sinusotomy $335

Temporomandibular Joint Arthrogram

$90

Maxilla or Mandible — Open Reduction

$415

Mandible — Closed Reduction $310

Example:Single Male, Age 41Premium: $13.74/Month

Example:Single Male, Age 41Premium: $13.74/Month

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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!

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

Hospital Indemnity Insurance is available withCoreMed®, MaxPlan® and RightStart® plans

Examples of benefits:

Initial Hospitalization $200

Hospital Confinement for Sicknesses Days 1 – 15 Days 16 – 180 Confinement beginning in the first 28 days after birth

$50/day$100/day$50/day

Hospital Confinement for Accidents Days 1 – 15 Days 16 – 180

$100/day$200/day

Coma, Stroke or Paralysis $5,000/person

Rehabilitation Unit $50/day

Ambulance Ground Air Up to 2 trips/year per insured individual

$100/trip$1,000/trip

Outpatient Surgery $250/surgery

Example:Single Male, Age 41Premium: $19.88/Month

Example:Single Male, Age 41Premium: $19.88/Month

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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

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 client’s need and budget

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EASE — Simplified Client Verification

One screen for client review!

One screen for client review!

Attestation in less time!

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 that’s best for you!

Option 1 Agent completes full submission insoftware

•You do quote then complete the 17 medical questions offline

•Upload application to EASE to submit

•Client verifies online

Option 2Agent uploads quote only

•You do quote then upload application into EASE

•Follow traditional EASE process for submission

Option 3Agent prints quote

•Use long-form paper application

•Use Tele-App paper application

•Attach printed quote

New!

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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 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 2: You complete the 17 health questions with client.

Step 3: You upload completed application to Assurant Health via EASE.

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 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.

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.Result: An issued policy in as few as 24-48 hours.

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Submit Options

Preferred methodPreferred method

Preferred methodPreferred method

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Completing the Health Questions

Healthy clients quickly answer

only 17 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.

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

Answers to certain questions prompt follow-

up questions that are completed online

Clients with extensive medical history may

receive a call from an underwriter

Clients with extensive medical history may

receive a call from an underwriter

The Result: a faster,

more efficient experience

The Result: a faster,

more efficient experience

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Online Verification

EASE includes a simple online verification process

EASE includes a simple online verification process

Clients receive link to

verify their information

online

Clients receive link to

verify their information

online

Individual Medical Product Updates

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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

RightStart® Cancer Benefit

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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

RightStart® Cancer Benefit

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Examples of cancer treatments typically provided on an outpatient basis:

• Chemotherapy

• Radiation therapy

• Office visits to an oncologist

• Follow-up diagnostic and lab tests

RightStart® Cancer Benefit

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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

Thank YouThis 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)

Initiatives at a Glance