Voluntary Mart SM Employee Informational Session

1. VoluntaryMartSM Employee Informational Session Insurance products are underwritten by Fortis Insurance Companyand presented by Time Insurance.

2. VoluntaryMartSM

3. What is VoluntaryMart? A portfolio of supplemental insurance products that pay cash benefits directly to you.

4. VoluntaryMart – When You Need It One brief hospital stay can result in many expenses and lots of questions. How will you pay for... • Deductible and coinsurance ? • Copays ? • Transportation costs ? • Child-care costs ? • Temporary loss of income ? • Overdue bills ? • Unmet financial obligations ? The answer is VoluntaryMart products. They provide you with cash for these expenses − your financial safety net when you need it most!

5. Pays regardless of any other coverage you have Scheduled benefits paid directly to YOU(Dental benefits may be assigned to your provider) Cannot be cancelled because of the number of claims filed or the amount of benefits paid How VoluntaryMart Supplemental Insurance Works For YOU

6. VoluntaryMart Advantages • Affordable, personalized, easy to get • Customized for your needs • Convenient worksite enrollment • Simplified underwriting A source of cash to spend asyou choose!

7. VoluntaryMart –More Advantages • No HMO or PPO network restrictions • No preauthorization needed • No restrictions on doctor or hospital choices • No “reasonable and customary” cutbacks

8. Rates are designed to be affordable and stay that way Individual policies are portable – you can continue the coverage even if you change your employment Same rates for any payment method Preferred/Standard rates on easily determined criteria And There are More Advantages

9. Still MoreAdvantages • Policies are mailed directly to you • Quick turnaround on valid claims – usually within 2 days • Policyowner Web site • 24 hour/7 day access • Online claim status • Online customer service

10. The VoluntaryMartSM Products

11. General Eligibility Most Products • Adult issue age: 18 through 70 • All unmarried eligible children through age 18 (22 if a full-time student)

12. DentalAt-a-Glance Base Plan(s) • Scheduled Plans – no Reasonable & Customary cutbacks • No Networks • Graded Benefits* • Children 15 or younger are eligible for Orthodontic Rider Individuals who replace existing coverage receive up to a 1-year credit which advances benefits by 1 year. Example: 100% of Type 2 benefits are paid during the 1st year instead of the 50% that is usually paid for 1st year policyowners. *Replacement policies receive up to one year credit, in effect, advancing benefits by 1 year.

13. Level 2 $160/filling Level 1: $100/filling DentalAt-a-Glance Benefit Summary Level 3$220/filling

14. Expand Your Coverage - Optional Riders

15. Cancer Facts • Approximately 1 out of 2 American men and 1 out of 3 American women will be stricken by cancer. (Source: American Cancer Society, www.cancer.org) • More than 17 million cases of cancer have been diagnosed since 1990. (Source: National Cancer Institute, February, 2004) • Approximately 1.4 million new cases will be diagnosed this year. (Source: U.S. Department of Health and Human Services Center for Disease Control and Prevention, 2004) • The American Cancer Society estimates that 2/3 of the costs associated with cancer are non-medical – costs from lost wages, hiring household help, and traveling to non-local treatment centers, for example.

16. Cancer Insurance VoluntaryMart Cancer Insurance is • easy to get – There are only a few basic questions to answer and no medical exam to take. • fast – In most cases, a check is mailed to you within 48 hours of receipt of proof of a valid claim. • guaranteed renewable – Coverage is guaranteed renewable for life. It cannot be cancelled because of the number of claims you file or the amount of benefits you receive.

17. CancerAt-a-Glance Benefit Summary Chemotherapy$200/day (Level 2) Bone Marrow Transplant$10,000(Level 1 &2) Wellness Benefit(Cancer Screening)$40/year

18. Expand Your Coverage - Optional Riders

19. Heart Disease Facts • According to the American Heart Association’s Heart Disease and Stroke Statistics – 2004 update: • It is estimated that there are 565,000 new heart attack cases every year. • Each year, more than 500,000 people have a stroke for the first time.

20. Heart/Stroke Insurance Treating coronary heart disease, heart attack or stroke almost always requires paying out-of-pocket expenses. Voluntary Mart Heart / Stroke insurance provides youwith an immediate cash benefit if you have a heart attack or stroke or suffer from coronary heart disease that results in hospitalization or surgery.

21. Heart/StrokeAt-a-Glance Base Plan(s) • 2 Plan Choices • Waiting Period • No waiting period if there are five or more employees • 30 days from effective date if there are fewer than five W-2 employees

22. Heart/StrokeAt-a-Glance Benefit Summary Heart Attack/Stroke $1500 (Level 1)$2000 (Level 2) Hospital Confinement $225/day (Level 1)$300/day (Level 2) Waiver of premium after 90 days while disabled

23. Expand Your Coverage - Optional Riders

24. Accident Insurance Life is unpredictable.

25. Accident Insurance Did you knowthere are approximately 125 million injury-related emergency department and physician office visits in the U.S. every year?(Source: US Department of Healthand Human Services – 2004)

26. AccidentAt-a-Glance Base Plan(s) • Adult issue age: 18 through 64 • 2 Base Platforms • Base Plan Covering Off-the-Job Accidents Only • Base Plan Providing 24-hour coverage for accidents • 2 Benefit Levels • Base Accident Policy can cover all family members

27. AccidentAt-a-Glance Benefit Summary Emergency Treatment $100 Adult/$50 Child Hospital Confinement$250/day (Level 1)$300/day (Level 2)

28. Expand Your Coverage - Optional Riders

29. Hospital Confinement Sickness Indemnity Insurance Are you prepared to deal with the strain on your personal finances if you become sick and require hospitalization or surgery? VoluntaryMart Hospital Confinement Sickness Indemnity Insurance provides an immediate cash benefit if you have • An accidental injury that results in hospitalization or physician visits or • A sickness that results in hospitalization, surgery, a major diagnostic exam or a physician visit.

30. Hospital Confinement Sickness Indemnity At-a-Glance Base Plan(s) • 3 Benefit Level options • Covers Sickness • Limited benefits for Accident • 6/6 pre-existing conditions limitation • 270-day Waiting Period for pregnancy • 30-day Waiting Period for sickness

31. Hospital Confinement Sickness IndemnityBenefit Summary Initial Hospitalization $200/Confinement Physician Visits (Accident, Sickness, Wellness) $15/Visit (Level 1) $20/Visit (Level 2) $25/Visit (Level 3)

32. Expand Your Coverage - Optional Riders

33. Hospital Indemnity Insurance When an accident or illness results in an inpatient hospital stay, how will you pay for deductibles, copays, coinsurance, plus additional related costs like child care, home care? VoluntaryMart Hospital Indemnity Insurance provides an immediate cash benefit if you become sick or hurt and require hospitalization.

34. Hospital Indemnity At-a-Glance Base Plan(s) • 3 Benefit Levels • 5 Elimination Periods for sickness-related confinements • All benefits for Accident and Sickness • Outpatient surgery benefit • 270-day Waiting Period for pregnancy • 30-day Waiting Period for sickness

35. Initial Hospital Confinement$200/ Level 1 $275/ Level 2 $350/ Level 3 Hospital IndemnityAt-a-Glance Benefit Summary Elimination Period Options 0, 1, 3, 7, 14 days

36. Expand Your Coverage - Optional Riders

37. Short Term Disability Facts • An individual’s chances of becoming disabled during his or her working life are 3 in 10. (Source: Society of Actuaries-1997) • By the time an individual reaches age 35, he or she has a one in three chance of being disabled for more than 90 days during the rest of his or her working life.(Source: National Association of Insurance Commissioners, Commissioner’s Individual Disability Table A-April, 2004) • Half of all mortgage foreclosures are the result of disabling injuries or illnesses. (Source: U.S. Department of Housing and Urban Development-May, 2000)

38. Short Term Disability If you are like most people, your paycheck is your primary source of income. A short term disability can choke off your earnings and force you to rely on savings and other assets. VoluntaryMart Short Term Disability provides needed income in the event of an off-the job, disabling injury or illness.

39. Base Plan(s) Adult issue age: 18 through 64 Monthly Benefit Amount in units of $100 Maximum Issue Amount, the lesser of: 60% of gross income 70% for all in-force disability policies $5,000 monthly benefit Short Term DisabilityAt-a-Glance

40. Short Term DisabilityAt-a-Glance Base Plan Benefits • Policyowner Off-the-Job disability due to accident • Policyowner disability due to sickness • Waiver of premium • No continuation

41. Short Term Disability Choices • Accident Elimination Period • Sickness Elimination Period • Benefit Period • Benefit Amount

42. Short Term DisabilityAt-a-Glance General Eligibility • Minimum annual salary $10,000 • Must be employed full time • Guaranteed renewable to age 70

43. Expand Your Coverage - Optional Riders

44. Term Life (with Optional Critical Illness Rider) General Eligibility • Adult issue age: 18 through 64 • Employee or any adult in whom employee has an insurable interest • Policy terminates the earlier of 20 years or age 70

45. Term LifeAt-a-Glance Base Plan(s) • Life and Accidental Death benefit paid to Beneficiary –All other benefits paid to Policyowner • Minimum Face Amount $10,000 or $150 annual premium; maximum is $250,000 • Purchase in units of $1,000 or on a dollar purchase basis • Two times the Face Amount for Accidental Death • Waiver of Premium after 3 months of Total Disability

46. Term Life Advantages • Unique product features included in base policy: • Waiver of Premium • Accidental Death Benefit • Monthly Accelerated Benefit for long term disability • Death benefit is restored after 5 years of recovery from long term disability Optional Critical Illness Rider pays a lump-sum benefit equal to 50% of the policy face amount when diagnosed with a qualifying illness.

47. Term Life Advantages VoluntaryMart is level term insurance – rates never increase with advancing age

48. Expand Your Coverage - Optional Riders

49. Dedicated Customer Care Center 8am-7pm EST 1-866-387-3405 Policyholder Customer Care 1-866-387-3406 FAX line 24/7/365 www.voluntarymart.com24/7/365 Employee/Policyowner Web site - Administration, EOBs online World Class Customer Service and Claims Administration VoluntaryMart Customer Service

50. VoluntaryMartSM Questions?