INNOVATIVE PARTNERSHIP WITH TOP RATED CARRIER Health Insurance Innovations

Cigna Alliance Innovative Partnership: Strategic Alliance with Cigna Supplemental Benefits creates more comprehensive healthcare solution Simplified Issue offers competitive advantage when sold with STM or LM 15 different critical illnesses trigger lump sum cash payout Underwritten by: Loyal American Life Insurance Company, a subsidiary of Cigna Corporation For Agent Use Only

Product Details Simplified Issue (Yes/No questions): NO MIB Check NO Medical Exam NO Medical Records NO Verification NO Rx Check Sold as stand-alone or add-on Health based CI: Guarantee renewable until age of 75. (Not a term plan) For Agent Use Only

Rates Coverage Type (Individual, One Parent, or Family) Age Banded Gender Tobacco/Non-Tobacco *Coverage starts next day *Effective Date can only be on the 1st-28 th For Agent Use Only

Face Amounts Pays a lump sum cash benefit if client is diagnosed with any of the 15 critical illnesses listed in the policy. Benefit Amounts available from: $10,000 - $50,000** Add-on*: $10,000 $20,000 $25,000 $50,000 *If you want to do an add-on in increments that is not on the pre-select page, you can do it as a stand-alone with no additional charges or set up fee ** Benefit amounts may vary by state Stand-alone* : $10,000 $15,000 $20,000 $25,000 $30,000 $40,000 $50,000 This policy is guaranteed renewable to age 75. For Agent Use Only

What Does This Policy Covers? Three Benefit Categories Each of the three categories has a per category maximum benefit (selected at time of application). Cancer Heart/Stroke Conditions Other Critical Illness For Agent Use Only

Category One - Cancer Cash benefits equal to 100% of the benefit amount Cancer* ( Diagnosed with a Malignant Neoplasm) Blood cancers are included such as Leukemia, MDS, Lymphoma, etc. Cash benefits equal to 25% of the benefit amount Carcinoma in Situ* *If Cancer or Carcinoma in Situ are initially diagnosed within the first thirty (30) days immediately following the effective date of coverage, payable benefits will be reduced. The reduced benefit amount for cancer will be 10% of the maximum critical illness benefit selected. The reduced benefit amount for carcinoma in situ will be 2.5% of the maximum critical illness benefit amount selected. After either of these reduced benefit amounts have been paid, the insured’s coverage under Category 1 will end. For Agent Use Only

Category Two – Heart/Stroke Conditions Cash benefits equal to 100% of the benefit amount Heart Attack Major Organ Transplant (heart or combo transplant including heart) Stroke Cash benefits equal to 25% of the benefit amount Coronary Artery Bypass Surgery* Aortic Surgery* Heart Valve Replacement/Repair Surgery* Cash benefits equal to 10% of the benefit amount Angioplasty* *We will pay the benefit for Coronary Artery Bypass Surgery, Angioplasty, Aortic Surgery, Heart Valve Replacement/Repair Surgery once in an insured person’s lifetime. For Agent Use Only

Category Three – Other Critical Illness Conditions Cash benefits equal to 100% of the benefit amount Coma (not a result of stroke) End Stage Renal Failure Major Organ Transplant (other than heart) Paralysis (not a result of stroke) Blindness Severe Burns For Agent Use Only

How The Benefit Is Paid Paid in a lump sum per category directly to insured. Multiple critical illnesses may be paid within a category as long as the maximum benefit for that category is not exceeded. You are eligible for benefits from another category if the date of diagnosis is 180 days from the previous date of diagnosis for a covered Critical Illness. If you should have two or more Critical Illnesses diagnosed on the same day, Cash Advantage will pay the larger of the Critical Illness benefits for the conditions diagnosed. For Agent Use Only

The Solution Cash Advantage ensures your client is truly covered in the event of a Critical Illness: Perfect for added coverage when sold with a Short Term Medical Pays deductibles and other out of pocket expenses not covered by health insurance Compensates for expensive premiums on post 2014 healthcare reform plans Lump sum cash benefit helps pay off medical debt, drug costs, unexpected expenses, home health care, etc. For Agent Use Only

Your purpose as an agent? Protecting your clients from financial hardship due to a medical illness How are you doing that? Answer: A Good Health Plan! Affordable Access to best medical care available Keeping the access to that care The Facts are in 2010: 62.1 % of all Bankruptcy's filed were related to a medical illness 78 % of those individuals had Health Insurance The average out-of-pocket expenses that led to the bankruptcies were $17,943 (Includes: Deductibles, Co-insurance, Uncovered Services) For Agent Use Only

What does this tell us? We are becoming aware that selling major medical by itself does not protect people from financial burden. HII’s Short-Term Medical Plans are now a perfect fit In 2014, due to HCR, individuals who purchase their health plan from the exchanges cannot be denied coverage due to pre-existing conditions. In most cases, HII’s Short-Term Medical Plans cost 30% less than a basic Major Medical Insurance Policy This leaves room to include additional protection for your clients: AME Critical Illness Life Insurance For Agent Use Only

The results Now, you’re protecting your clients both on the front end with a quality health plan that is affordable. And they are protected on the back-end with Lump-sum cash benefits in the event of a medical tragedy. Cash benefits can be used for: Expensive premiums for HCR compliant plans in 2014 (Average bronze plan for a family of 4 is $16,000/yr for a $5,000 deductible; Source: Keiser) Pay Off Medical Debt Home Health Care Experimental Medical Treatments Drug Costs Extra Recovery Time Unexpected Expenses For Agent Use Only

The Takeaway As you are considering this strategy, it’s easy to see how HII’s Affordable Bridge Plan is the best way to: Make sure your clients are insuring themselves, First. For Agent Use Only

The Solution Benefit Amounts Pays a lump sum cash benefit if client is diagnosed with any of 15 critical illnesses listed in the policy. Coverage available from $10,000 to $50,000. Insured Children will be limited to $10,000 of coverage. This policy is guaranteed renewable to age 75. For Agent Use Only

Now Available Phase I - AK, HI, IA, MS, NV, NC and WI. Now available with effective date February 1, 2013 Phase II – AL, OH, OK, TN, WV Now available with effective date April 1, 2013 Phase III - KS, NE, KY, ME, ND, RI, VT, DE, WY Phase IV – All other states For Agent Use Only

Thank You! Please your questions to: Sales Support at For Agent Use Only Underwritten by: Loyal American Life Insurance Company, a subsidiary of Cigna Corporation "Cigna" is a registered service mark, and the "Tree of Life" logo is a service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including Loyal American Life Insurance Company, and not by Cigna Corporation. All models are used for illustrative purposes only. Call us at: ext. 401