Cancer and Heart/Stroke

1. Cancer and Heart/Stroke Assurant Supplemental Coverage Available for clients through age 64 in; AL, AR, LA, MI, MO, MS, OK, TX, WI and WV Effective dates 05/13/2012 and beyond For agent use only THIS POLICY PROVIDES LIMITED BENEFITS

2. Why Cancer and Heart/Stroke coverage? • More than 1.6 million U.S. residents will be diagnosed with cancer this year (American Cancer Society, Facts and Figures 2012) • Somebody in the U.S. has a heart attack every 34 seconds (Centers for Disease Control and Prevention, Heart Disease Fact Sheet, 2010) • Medical bills cause more than 60% of U.S. bankruptcies (American Journal of Medicine, 2009) Assurant Supplemental Coverage

3. Why Cancer and Heart/Stroke coverage? • Even with the best medical insurance, a life-threatening illness is costly for clients; • Medical plan expenses can easily go into five figures • Lengthy illness can mean loss of work time and/or wages • Household bills continue to hit mailboxes • Treatments may not be covered by medical insurance • Cancer and Heart/Stroke coverage provides $CASH$ when it’s most needed – upon diagnosis Assurant Supplemental Coverage

4. Simple Integration/Standalone flexibility • Integrate these plans with just one click — one-stop shopping for you and your customers with Assurant Health! • Add Cancer and Heart/Stroke in a simple process • Two specific questions for cancer • Four specific questions for heart/stroke • Sell standalone with same great rates! Same simple process • Plan pays a lump-sum cash benefit upon life-threatening diagnosis – before financial burdens hit home • Plan pays cash benefits per covered person • Children can be covered (so long as accompanied by at least 1 adult) Assurant Supplemental Coverage

5. Simple, Flexible and Right-priced • Simple • Easy to understand plan design and underwriting process • Flexible • Clients choose coverage for cancer only, heart/stroke only, or both • Underwriting is separate; i.e., clients can buy Heart/Stroke plan even if they’ve had cancer • Plan pays regardless of any other coverage in force • Affordable • Clients choose a benefit level ($10,000 to $75,000/covered person) to suit their needs and budget • Same rate for any number of children – excellent for families! Assurant Supplemental Coverage

6. Cancer and Heart/Stroke benefits

7. Benefit payments for Cancer • For cancer, policyholder receives the full cash benefit upon diagnosis of life-threatening cancer Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

8. Cancer Plan – Covered conditions • Definitions of covered conditions • A malignant tumor, including an in situ, and hematopoietic malignancy for which any of the following is recommended by your health care practitioner: • a. Radiation; • b. Chemotherapy; or • c. Immunotherapy; or • d. Complete excision of an internal organ without need for further treatment; or • Any metastatic cancer for which no therapy is recommended. Assurant Supplemental Coverage

9. Benefit payments for Heart/Stroke • Heart/Stroke benefits depend on medical event • 100% benefit for heart attack or stroke • Partial benefits paid for other conditions; policyholder still protected by benefit remainder Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

10. Benefit payments for Cancer and Heart/Stroke • Clients purchasing Cancer and Heart/Stroke coverage receive 100% benefits for life-threatening cancer and heart attack or stroke* • If client receives partial Heart/Stroke benefits, he or she is still protected by benefit remainder Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

11. Benefit payment example Susan buys a $50,000 Cancer and Heart/Stroke plan covering herself, her spouse and her two children. If she is diagnosed with life-threatening cancer; • She receives a $50,000 lump-sum payment upon diagnosis • She is eligible to receive another $50,000 in benefits if she’s diagnosed with a condition covered by her heart/stroke policy • Since benefits are paid per person, Susan’s husband and children are still eligible to receive their own cancer and heart/stroke benefits Assurant Supplemental Coverage

12. Another benefit payment example John buys a $25,000 Heart/Stroke plan. He’s diagnosed with coronary artery disease. There are 3 likely outcomes; • If John’s coronary artery disease results in a heart attack, he receives a $25,000 lump-sum payment (100% of $25,000); this ends his policy • If John’s coronary artery disease results in coronary artery bypass, he receives $6,250 (25% of $25,000). He is eligible to receive the remaining 75% for another, different heart/stroke diagnosis • If John’s coronary artery disease results in coronary angioplasty, he receives $2,500 (10% of $25,000). He is eligible to receive the remaining 90% for another, different heart/stroke diagnosis Assurant Supplemental Coverage

13. Easy Cancer and Heart/Stroke integration

14. Pair C & H/S with a medical plan • Most medical plans include deductibles, limits and other costs that can add up • Cancer and Heart/Stroke helps pay costs so clients can concentrate on getting well Assurant Supplemental Coverage

15. More robust protection with savings! • Adjust major medical plan to higher deductible • Add Cancer and Heart/Stroke for additional benefits • Your client receives valuable protection at less total cost OR • Sell Dental and/or Accident to offer even more protection • Think in terms of a ‘benefit package’ instead of just a ‘medical plan’ Plan shown is OneDeductible with 100% coinsurance and Cancer and Heart/Stroke plan for male with preferred rating, age 40, non-tobacco user in ZIP 75001. Numbers have been rounded Assurant Supplemental Coverage

16. Pair C & H/S with Assurant Health Access • Assurant Health Access pays fixed benefits • Cancer and Heart/Stroke coverage pays cash • Clients receive lump sum upon diagnosis to help alleviate worry for inevitable expenses; • Inpatient and outpatient treatment • Rehabilitation costs • Non-medical costs like travel, mortgage/rent, gas and food • Potential lack of or dip in income Assurant Supplemental Coverage

17. Two affordable plans and extra benefits • Sell Assurant Health Access Fundamentals plan • Add Cancer coverage • Your client receives help with everyday health expenses + extra cash for life-threatening cancer Plan shown is Assurant Health Access Fundamentals plan and Cancer plan for male, age 40, non-tobacco user in ZIP 75001. Numbers have been rounded. Assurant Supplemental Coverage

18. Cancer and Heart/Stroke Rates

19. Cancer and Heart/Stroke sample rates Individual rates are for non-tobacco users in TX. Family rates are for primary, spouse and children (any number), non-tobacco users in TX. Assurant Supplemental Coverage

20. Easy sales process

21. Just click to add • Assurant Health exclusive: just a click to add Cancer and Heart/Stroke to CoreMed, OneDeductible or Assurant Health Access applications • Clients answer no more than six additional questions for Cancer and Heart/Stroke coverage • If selling standalone, same 2/4 (cancer/heart & stroke) combination of medical questions and easy submission • More than 80% of submissions receive immediate response Assurant Supplemental Coverage

22. Check-A-Box to Add (just like with our other ASC plans!) Assurant Supplemental Coverage

23. Medical questions for Cancer Knockout Questions Assurant Supplemental Coverage

24. Medical questions for Heart/Stroke Knockout questions To U/W for ‘scoring’ Assurant Supplemental Coverage

25. Thank you! Start Quoting C/HS this Monday, May 14, 2012! Regional Sales Office 888-435-0181 Your Sales Team - Daniel Wray, Melissa Nowak & Jeffrey Lahmann at your service! Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Milwaukee, WI. J-102829 (4/2012)