GRP Group Health Insurance for Retirees Group Benefits. Individual Service. Liberty National Life Insurance Company United American Insurance Company First United American Life Insurance Company

GRP Based on state availability, policies underwritten by Torchmark Corporation affiliates:  United American Insurance Company  First United American Life Insurance Company  Liberty National Life Insurance Company A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14) AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 08/14) Firmly established in the Group Retiree Health market for employer, union and association groups 2 The Company Behind The Coverage

GRP Experienced, reliable insurer Flexible, custom-built benefit programs Competitive first year and renewal rates Guaranteed acceptance Freedom to choose providers Excellent service and customer satisfaction Group benefits with individual service Why Choose United American? 3

GRP Personalized attention from dedicated group insurance professionals Flexible and creative solutions Fast turnaround time  Simple quoting process  New group enrollment made easy No individual applications required List billing is available Easy to do Business With 4

GRP We can customize a group health plan to fit your needs Deductibles, Coinsurance and Out-of-Pocket Maximum riders aid in limiting costs and liabilities Plans are automatically revised according to Medicare changes each year Accurate coordination of benefits and coverage with Medicare Niche Markets Group Retiree Health 5

GRP Creatively designed plans to meet the needs of diverse employer/union groups Most plans provide coverage through the coverage gap ("donut hole") Our Pharmacy Benefit Manager (PBM), CVS Caremark, is one of the nation’s leading drug providers Standard formulary includes a majority of the 100 most frequently prescribed drugs (according to the Center for Medicare and Medicaid Services (CMS) Niche Markets Group Medicare Part D 6

GRP Rate philosophy – focus on long term relationships and renewals to grow business Low administrative costs  All administrative functions performed in-house  Little to no advertising expenses Group Retiree Health renewal rate increases are consistently low 7 Competitive Rates

GRP Group Retiree Health Rate Increase History

GRP Providing Group Retiree Health and Part D coverage since the introduction of Medicare in 1966 Company continually maximizes operating efficiencies for the senior market  Live customer service representatives  Pioneered “Automatic” Claims Filing® (ACF) PLUS  No provider lists or referral process  Streamlined process of providing monthly medical and prescription claims activity to retiree 9 Senior Market Experience

GRP Insuring groups from a variety of industries  Auto Manufacturers  Charitable and Service Organizations  Hospitals  Insurers and Financial Institutions  Labor Unions  Mining Companies  Municipalities  Religious Groups  Schools and Universities  Public Utility Companies  Energy and Utility Companies No industry is excluded from consideration 10 Diversified Client Base

GRP % retention rate for Group Retiree Health plans over the past five years Consistently low group rate increases upon renewal "Automatic" Claims Filing PLUS (ACF PLUS) — virtually eliminates claims filing paperwork We typically process health claims in less than 3 calendar days* Customer Service calls are answered by live representatives 11 Service Statistics *According to company records

GRP How Can We Help You?