1. Group Health Insurance for Retirees Group Benefits. Individual Service. GRP1060-NM 0609

2. United American Insurance Company Wholly owned subsidiary of Torchmark Corporation Founded in 1947 5.9 million claims processed in 2008 A+ (Superior) Financial Strength from A.M. Best Company (as of 6/08) AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 12/08) Selling Medicare Supplement Insurance since Medicare began in 1966

3. Why Choose United American? Easy to do business with Niche group retiree benefits Competitive rates, first year and renewal Senior market experience Diversified client base Excellent service and customer satisfaction

4. Easy to Do Business With Group Benefits. Individual Service. 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

5. Niche Markets Medicare Supplement insurance for Medicare-eligible retirees Plans with Deductibles and Coinsurance Riders to lower premiums in addition to the standard Medicare Supplement Plans Guaranteed issue, regardless of preexisting conditions No individual applications required Group Retiree Health

6. Niche Markets Providing Part D coverage since Part D was enacted in 2006 UA’s Pharmacy Benefit Manager, MEDCO, is one of the leading PBM’s in the country Creative plans tailored specifically for groups and unions, most with coverage through the “donut hole” Standard Formulary includes coverage for 99 of the top 100 prescribed drugs for CMS (Center for Medicare Services) Group Medicare Part D

7. Competitive Rates 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 Our group Medicare Supplement renewal rate increases are consistently low – UA has maintained a 98% group retention rate over the past five years

8. Group Medicare Supplement Rate Increase History

9. Senior Market Experience UA has offered Medicare Supplement and Part D since the beginning Stick to core business – Senior medical insurance is a key market for UA UA optimizes customer service and 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

10. Diversified Client Base UA insures 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 No industry is excluded for consideration

11. 2008 Service Statistics Claims – Average of 2.94 calendar days to pay claims Customer Service Call Center – Most calls are answered within 15 seconds

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