Health Access Plans The Right Plans for Difficult Times

1. Health Access PlansThe Right Plans for Difficult Times April 2009

2. Assurant Affordable Health Access • Health Access limited-benefit plans • Solution for rising cost of health care • Solutions for the uninsured

3. Health Access Plans • Based on consumer research, covers what is important to employees • Doctor office visits and prescription drugs • Preventive care and immunizations • Network discounts • Affordable • Portable • No benefit waiting periods • Optional benefits such as Dental-Vision Discount Plan, Dental Insurance and Cancer Benefit

4. Assurant Affordable Health Access • Launched mid 2008, currently available in 17 states • Use for gapping high deductibles • Over 90% placement rate • Retention high, consumers find value

5. Plan A Plan C Plan B Health Access Plans – Early Results Sales to date:

6. Health Access Plans – Early Results

7. Sales Velocity Trend Access in FLA. 15% of total IM sales Overall Access sales represent 5% of total IM

8. Health Access Plans • Available in • AL, AR, AZ, FL, IA, IL, IN, MI, MO, MS, OH, OK, PA, SC, TN, TX, WI, WV, WY • Evaluating Risk • MIB What’s Coming: • EASE automated submission – targeted May 16, 2009

9. Limited-Benefit Product Overview Three limited-benefit plans: • Health Access Plan A • No medical questions • Health Access Plans B or C • Limited medical questions Limited-benefit plans provide: • An affordable option compared to major medical plans • Coverage for certain services up to a set dollar amount • Calendar year maximums

10. Health Access Plan A Overview • No medical questions • Eligibility rules apply • Applicants through age 63 are eligible • Not employer-sponsored • Health Advocates Alliance Membership (some states) • Benefits for every day needs • Easy to apply for: • No underwriting • No pre-existing condition limitations • No ratings • No special exception riders • No condition-specific deductibles • No modified benefit endorsements

11. Health Access Plan A

12. Health Access Plans B or C Product Overview • Limited medical questions • Applicants through age 63 are eligible • Inpatient, outpatient and prescription drug benefits • Easy to apply for: • Accept/Reject application • No ratings • No special exception riders • No condition-specific deductibles • No modified benefit endorsements

13. Health Access Plans B or C

14. Health Access Plans B or C

15. Health Access Plans B or C

16. Network and Discounts • The Health Access plans are not PPO plans • Passive discounts through MultiPlan • www.MultiPlan.com/assurant • Choice of doctors and hospitals • No out-of-network fees • LabCard Select (LabOne) offers discounts on covered outpatient laboratory services • www.LabCardSelect.com • Additional Discount Opportunities • www.assuranthealth.com/corp/ah/customers/findancillary provider

17. Rates • Simplified rating • Not gender rated • Not area rated • Not rated for risk class • No smoker status • Has 5 very broad age bands • Based on age of primary applicant • Examples of Monthly Rates • Plan A: 28-year-old woman w/ one child – $74 • Plan B: 40-year-old husband and wife – $194 • Plan C: 30-year-old single man – $104

18. Assurant Affordable Health Access • Get engaged • Be aware of opportunities • Use to recruit