ADVANTAGE AGENT ’0 7

ADVANTAGE AGENT ’0 7

Introduction Foundation of Advantage Agent Making it easier for you to do business with us Agents First Advantage Agent ’07 Expanded options for expanding your business 2

AGENTS FIRST Agents, Our First Customers

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 4

Agenda New Supplemental Products Tools to Help You Sell Individual Medical Product Updates Question and Answers 5

New Supplemental Products

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 7

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 8

Life Insurance — Commission Example 50,000 face value only — primary insured 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%) Medical with Life Commission ( 3,590 x 38%) 1126 1,364 Earn an additional Note: Spouse-only coverage is also available. 9 * 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. 238!

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* * 10 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.

Life Insurance features — More client 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 11

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 12

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 13

Dental Insurance features — Key client 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 14

Dental Insurance Examples of Dental Wellness Benefits Exams, X-Rays, Cleanings 25/ visit Benefits are immediately paid at 100% of the listed benefit — Plan Details Example: Example: Single SingleMale, Male,Age Age41 41 Premium: Premium: 13.74/Month 13.74/Month Examples of Basic Dental Benefits - Year 1 50%, Year 2 100% Amalgam — Three Surfaces 40 Extraction — Erupted Tooth 20 Rebase complete or partial denture 601 20%, Year 2 50%, Year 3 100% Examples of Major Dental Benefits - Year Inlay — Metallic — Two Surfaces 125 Crown 125 Maxillary Sinusotomy 335 Examples of TMJ Services - Year 1-2 0%, Year 3 500 lifetime/insured person Combined maximum annual benefit for Basic and Major services per insured person: 1000 . Temporomandibular Joint Arthrogram Maxilla or Mandible — Open Reduction Mandible — Closed Reduction 15 90 415 310

No-Charge Dental OneDeductible with Dental insurance is included at no charge with all new OneDeductible plans in AL, AZ, MI, MT, OK and WY Provides coverage including: – Wellness Benefits – Basic Services – Major Services – TMJ Services 16 No No Charge! Charge!

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. 17

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. 18

Hospital Indemnity Hospital Indemnity Insurance is available with CoreMed , MaxPlan and RightStart plans Examples of benefits: — Plan Details Example: Example: Single SingleMale, Male,Age Age41 41 Premium: Premium: 19.88/Month 19.88/Month Initial Hospitalization 200 Hospital Confinement for Sicknesses Days 1 – 15 50/day Days 16 – 180 100/day Confinement beginning in the first 28 days after 50/day birth Hospital Confinement for Accidents Days 1 – 15 Days 16 – 180 Coma, Stroke or Paralysis Rehabilitation Unit Ambulance Ground Air Up to 2 trips/year per insured individual 19 100/day 200/day 5,000/ person 50/day 100/trip 1,000/trip

Policy Delivery — Dental and Hospital Indemnity Policies – Mailed directly to clients under separate cover 20

Marketing Supplemental Products Supplemental products are featured in: –IM product brochures –IM master brochure 21

Tools to Help You Sell

Tools to Help You Sell Open 24/7 – Do business whenever you want EASE IM Proposal Software Both now include Express Underwriting 23

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 24

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 25

EASE 26 — Simplified Client Verification One Onescreen screenfor for client clientreview! review! Attestation Attestationin in less lesstime! time!

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 27

Application Submission Options Choose the one that’s best for you! Option 1 Agent completes full submission in software Option 2 Agent uploads quote only New! You do quote then complete the 17 medical questions offline Upload application to EASE to submit Client verifies online You do quote then upload application into EASE Follow traditional EASE process for submission Option 3 Agent prints quote 28 Use long-form paper application Use Tele-App paper application Attach printed quote

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! 29

Five Steps for Express Underwriting Step Step1: 1:Run Runquote quoteand andcomplete completethe theclient clientdemographic demographic information. Select “Begin Submission” in information. Select “Begin Submission” inSoftware Softwareto toenter enter health history. health history. Step Step2: 2:You Youcomplete completethe the17 17health healthquestions questionswith withclient. client. Step Step3: 3:You Youupload uploadcompleted completedapplication applicationto toAssurant AssurantHealth Health via EASE. via EASE. Step Step4: 4:Assurant AssurantHealth Healthsends sendsonline onlineconfirmation confirmationand andlink linkto to verifyhealth.com — you forward to client for their verification. verifyhealth.com — you forward to client for their verification. Step Step5: 5:Client Clientattests atteststo toinformation informationand andsubmits submitsback backto to Assurant Health for issue. Assurant Health for issue. Result: Result:An Anissued issuedpolicy policyin inas asfew fewas as24-48 24-48hours. hours. 30

Submit Options Preferred Preferredmethod method Preferred Preferredmethod method 31

Completing the Health Questions Healthy Healthyclients clients quickly answer quickly answer only only 17 questions! 17 questions! 32 Overall Overallexperience experience isisimproved for improved forALL ALLclients clients–– Policies Policiescan canbe beissued issuedin inas asfew fewas as24 24hours. hours.

If a Client Answers “Yes”. 33 Answers Answersto tocertain certain questions prompt questions promptfollowfollowup questions that up questions thatare are completed online completed online Clients Clientswith withextensive extensive medical history medical historymay may receive a call from receive a call froman an underwriter underwriter The TheResult: Result: aafaster, faster, more moreefficient efficient experience experience

Online Verification EASE EASEincludes includesaasimple simple online verification process online verification process 34 Clients Clients receive receive link linkto to verify their verify their information information online online

Individual Medical Product Updates

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) – 36 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 plans in most states

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 37

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 38

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 39

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 40

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 41

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 42

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 ! – 43 Note: 500 deductible RightStart

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 44

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) Thank You

Initiatives at a Glance