1. IHC Health Solutions ….previously HPA STM Short-Term Medical Insurance

2. Agenda Introduce IHC Health Solutions Products –Secure STM/Secure Saver STM –Secure Lite/Secure 12x3 –Secure Dental One –Rx pay card –Overseas travel Sales opportunity Contracting Business submission (online demo)

3. Introducing IHC Health Solutions Headquarters: Rockford, Illinois & Phoenix, Arizona Tampa, Florida – Marketing Founded: 1939 IHC member company – A rated, NYSE (IHC) $1 Billion assets STM and Dental Products – Underwritten by Standard Security Life Ins Co of NY – an IHC Group member company Carrier – Distribution relationship - Stability

4. Short Term Medical STM – What is it? –Affordable major medical coverage purchased on a temporary basis –Accept/reject –Effective dates as early as 12.01a.m. the next day. Can request later effective date up to 60 days after application date

5. STM eligibility Eligible applicants ages 18 through 64 years and 11 months, spouses, and dependent children under age 19 (under 25 if full time student) Child only ages 2-18 Applicants can answer health questions with ‘NO’ response

6. Payment Options Monthly pay – up to 6 or 12 months –Check, money order, credit card, auto bank withdrawal Single pay – 30 to 180 days, select exact number of days 10 day free look period

7. Payment options Your subsequent monthly credit card/ach premium deductions will occur based upon the effective date of coverage. –If your coverage effective date is the 1st -15th, your premium will be deducted on the 1st of the month. –If your coverage effective date is the 16th- 31st, your premium will be deducted on the 15th of the month.

8. STM Plan Enhancements Ambulance; now up to $500 per occurrence for ground and up to $1,000 per occurrence for air. Removal of $2,500 benefit maximum for knee injuries/disorders and gallbladder removal surgery; benefit now pays up to the calendar- year maximum Removal of the six-month waiting period for hysterectomy, tonsillectomy, adenoidectomy, repair of deviated nasal septum or any type of surgery involving the sinus, myringotomy, tympanotomy, herniorraphy or cholecystectomy

9. Secure STM Secure Short Term Medical Flexible major medical coverage Competitive premium rates $2 million per person Choice of payment, deductible, and co-insurance options $250, $500, $1000, $2500, $5000 Simplified underwriting & instant effective dates Use any doctor or hospital! Additional discount incentives for PHCS providers No waiting periods Up to 12 months of coverage Eligibility up to 65 Unlimited re-applies in most states Product approved in 45 states

10. Secure Saver STM A smart health plan designed to keep premiums low without exposing clients to high deductibles Premium savings up to 45% less than the Secure STM plan $50 Co-Pay for office visits Secure Saver STM

11. Instead of a calendar-year deductible, this plan offers a choice of daily maximums: $250, $500, $750 or $1000. Plan participants pay for the first dollar of covered expenses up to their chosen daily maximum; Plan pays 100% of the expense in excess of the daily maximum for all covered expenses $4,000 calendar-year out-of-pocket maximum; every dollar spent on daily maximum expenses applies to the $4,000 out-of-pocket maximum

12. Secure STM/ Saver Und. Q’s 1. Will there be any other group or individual major medical health insurance in force on the policy effective date? 2. Is the proposed insured, spouse, or any dependent child now pregnant? 3. Have you or any person applying for coverage been declined for health insurance for a condition that is still present? 4. Are you or any person applying for coverage currently eligible for Medicaid? 5. Are you or any person applying for coverage currently over 300 pounds if male or over 250 pounds if female? 6. Within the past 5 years have you or any person applying for coverage been aware of, received an abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for: ■ heart disorder, heart attack, coronary artery disease, coronary bypass or stent ■ peripheral vascular disease or carotid artery disease ■ stroke or other neurological disorder, cancer or tumor ■ paraplegia, quadriplegia or multiple sclerosis, stem cell transplant ■ emphysema or COPD (chronic obstructive pulmonary disease) ■ diabetes, liver disorder ■ kidney disorder other than stones ■ degenerative disc disease or herniated disc ■ rheumatoid or psoriatic arthritis ■ degenerative joint disease of the knees or hips ■ alcohol or drug abuse or dependency ■ hemophilia 7. Have you or any person proposed for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder? Answer this question “no” if you have tested positive for HIV but have not developed symptoms of the disease AIDS

13. Secure Lite and12x3 A permanent major medical and mini med product hybrid $750,000 policy maximum 1 to 36 months of STM coverage (Secure Lite – 6 mo maximum) Continuous claims coverage Eligible ages 2 thru 65 $25 doctor visit benefits up to 4 times per year – 1 st dollar benefit No decline question, no ht/wt question, non insulin dependent diabetics eligible No networks – choose own doctors and hospitals Unlimited rewrites (in most states) Teledoc included AME optional rider Secure 12x3 Short Term Medical

14. Secure 12x3 $25 first dollarDoctor visits (4 per year or benefit period) $1,000 per dayIn-hospital charges $1,250 per dayIn-hospital Intensive care charges $500 per daySurgical charges $500 per dayOutpatient emergency room charges $500 per dayInpatient physician visits $2,500 per day/ $5,000 Max per benefit period Surgeon/anesthesiologist services per policy period Secure 12x3 Short Term Medical

15. STM lite and 12x3 Und Q’s Will there be any other group or individual major medical health insurance in force on the policy effective date? Are you or any person applying for coverage now pregnant? Are you or any person applying for coverage currently eligible for Medicaid? Within the past 5 years have you or any person applying for coverage been aware of, received an abnormal test report for, been diagnosed with, been treated by or received follow-up care with a member of the medical profession, taken medication for or had a device surgically implanted or in place for: ¦ heart disorder, heart attack, coronary artery disease, coronary bypass or stent ¦ peripheral vascular disease or carotidartery disease ¦ stroke or other neurological disorder ¦ cancer or tumor ¦ paraplegia, quadriplegia or multiple sclerosis ¦ stem cell transplant ¦ emphysema or COPD (chronic obstructive pulmonary disease) ¦ insulin-dependent diabetes ¦ liver disorder ¦ kidney disorder other than stones ¦ degenerative disc disease or herniated disc ¦ rheumatoid or psoriatic arthritis ¦ degenerative joint disease of the knees or hips ¦ alcohol or drug abuse or dependency ¦ hemophilia Have you or any person proposed for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex, or any other immune system disorder? Answer this question “no” if you have tested positive for HIV but have not developed symptoms of the disease AIDS.

16. STM Prospects Offer STM to customers without health insurance –Instant effective dates, affordable comprehensive coverage –Cover them during the underwriting period for IM –Preserve your client should they not qualify for IM or if the policy is issued with excessive riders and or rate ups Individuals that cannot afford major medical insurance Individuals that need coverage for 12 months or less Individuals that want something more than a limited medical benefit plan Individuals that can’t qualify for major medical due to medical history Individuals looking for an alternative to Cobra Senior market – approaching medicare eligibility

17. Rx Pay Card –Available nationwide at over 42,000 pharmacies –Convenient Internet enrollment for instant coverage –Formulary program with 4 tiers Tier 1 – Generic Drugs – up to $10 co-pay Tier 2 – Brand and Generic – up to $20 co-pay Tier 3 – Brand and Generic – up to $50 co-pay Tier 4 – Brand – negotiated special discounts –Automatic Acceptance - no underwriting or health questions –No time limits for pre-existing conditions –No monthly or annual maximums Rx Pay Card

18. Secure Dental One Freedom to choose any dentist Personal portability Auto acceptance Immediate coverage for preventive care $100 Lifetime deductible Eligibility through age 64 Secure Dental One

19. Three plan options –Basic One –Classic One Calendar year max - $750 –Premier One Calendar year max - $1,250 Secure Dental One

20. Overseas Travel Medical U.S. citizens traveling abroad Non U.S. citizens traveling to the U.S. Hospital & Medical Expenses 24-Hour Medical Emergency Services Trip Cancellation Lost Luggage Emergency Dental Emergency Evacuation Accidental Death & Dismemberment Return of Minor Children Overseas Travel Medical

21. Max Benefit Choices –$50K, $100K, $250K, $1M Deducibles –$125, $250, $500, $1,000, $2,500 Hazardous sports rider –$10K Overseas Travel Medical

22. Summary HPA Easy to buy, Easy to sell products! Questions or Comments! Tim Schappel tschappel@hpainsurance.com 800-277-3323 x236 262-716-3109 (cell)