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Offering:

ASSOCIATION GROUP CATASTROPHIC

HOSPITAL INSURANCE

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Catastrophic Hospital Insurance$5,000,000 per covered person$1,000,000 per Injury or Illness

Indemnity or Preferred ProviderCalendar Year Cash Deductibles

$750; $1,500; $2,000; $ 2,500; $5,000; $10,000 or$15,000

Co-Insurance Options:

100%, 80%, or 50%

Stop Loss Amounts:

$5,000.00 or $10,000 with co-insuranceoptions 80% or 50%

No more than 3 cash deductibles per family per calendar year

Only one deductible must be met when 1 or more are injured in the sameaccident

Vanishing Deductible !!!! Deductible decrease by 25% per year oneach covered person when no benefits paid on behalf of all cover

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Covers a Wide

Range of Care:HospitalsSame Day Surgery

Home Health Care

In Hospital Doctor Visits

Surgery

Assistant SurgeonOrgan Transplants

Blood, Blood Plasma andDerivatives

Anesthesia

Hospice

Mammograms

Second Surgical Opinions

Ambulances

Other Plan FeaturesYou cannot be singled out for

rate increaseYou can not be singled out forcancellation

24 Hour coverage- 7/days aweek

No pre-admission certificationrequired

Includes physical, speech, andinhalation therapy. Pathology,Radiology and Chemotherapy

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These optional plans areso in expensive and providesuch great benefits, I haveincluded them in the quote.

Understand these areoptional benefits and arebroken out separately inthe quote and you are notobligated to choose them.

The next three slide willexplain each plans benefits

other options help limit your exposure byother options help limit your exposure by

reducing your deductible and even providingreducing your deductible and even providing

cash payment in case of accident or a criticalcash payment in case of accident or a critical

illnessillness

CriticalCriticalIllnessIllness

paysyoupaysyouifyouget

ifyougetsicksick

RXPlanRX

Plan

B y sharing the cost of your potential medical expense with three differentcompanies this limits their exposure and also limits your exposure by loweringyour out of pocket expenses and deductible it also allows us to offer this

coverage at an affordable premium and keep rate increases with in reason.

AccidentAccidentCoverage/w

Coverage/w$100.00

$100.00Deductible

Deductible

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Doctors office visitsPhysicians office $60.00 2/person 4/family

Chiropractic office $40.00Optometrist visit $50.00

Doctor on Call 24/7Accident Benefit / Occurrence

$5000.00 -$250 deductible

Emergency Room (Accidentor Illness) $1000.00- $100 deductible

Wellness Benefit(screening forevery family member at no cost $380/ test)

Plus additionalbenefits include Laboratory ,Diagnostic Imagining , Vision, Hearing,Medical Financing and more.

Optional PrescriptionCard

$5000.00 AccidentMedical

Benefit w/ $100.00 deductible

24 hr Nurse Hotline

Medical Air AmbulanceTravel and Emergency

Medical AssistanceEmergency Roadside

Assistance

Optional CoverageDoctors visits and Accident Coverage

Doctor visits and AccidentCoverage$99.95 Individual $139.95 Family Accident Coverage $29.95

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Critical Illness with Life

Insurance10-20-30 YEAR LEVEL TERM LIFE INSURANCE W/ RETURN OF PREMIUM ON 20-30 LEVELTERM

Paid direct to you uponPaid direct to you upon

diagnosis of a Critical Illnessdiagnosis of a Critical IllnessProvides a lump sum payment if the insured

Is diagnosed with one of the following covered illnesses.The benefit can be purchased in 25%, 50% or 100%

acceleration of base policy face amount.

Heart AttackStrokeInvasive CancerBlindness

Terminal IllnessHIV contracted asa professionalhealthcare worker

Kidney FailureParalysisMajor Organ TransplantSurgeryCoronary Artery Bypass Graft(10%)

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RX Plan BenefitsRX Plan Benefits

Mail Order Brand Name

$50 or less for 1 month supply onmore than 90% of most common brandnames

Retail Generic $10 or less for

1 month supply any Pharmacy or MailOrder

Emergency Retail Discount Card 10%to 15%

A small % of brand Medications will beat a preferred pricing

Retail Pharmacy Benefit has quarterly

limit of $300 /person and $600 /familythis limit does not apply to Mail Order

No Deductibles No Maximums onNo Deductibles No Maximums on

Mail OrderMail Order