Individual Health Insurance Portfolio

Advantage Agent

New Product Portfolio

New Portfolio

Key drivers• Agent feedback• Appeal to a broader market• Keep ahead of competition• Maintain HSA leadership

Plans in our new portfolio• MaxPlanSM

• CoreMedSM

• RightStartSM

• OneDeductible HSASM

• SaveRight HSASM

Advantage Agent

The Result

New Portfolio

Premium Savings

Extensive Benefits

Customary Plans

HSA Plans

MaxPlan

CoreMed

RightStartSaveRight HSA

OneDeductible HSA

An integrated portfolio that offers:• Exciting improvements • Ability to customize plans like never before• A range of plans for all types of individuals and families

Advantage Agent

Quality is the FrameworkAll plans in the Assurant Health portfolio begin with a quality framework of: Security. Convenience. Cost savings.

All plans include:• Worldwide coverage, 24 hours-a-day• Initial 12-month rate guarantee• Your choice of doctors and hospitals• No referrals necessary to see a specialist• Single deductible for accidents• No limits on Intensive Care Unit (ICU)• Ground and air ambulance • Transplant coverage• Preventive Services• HealthyDiscount

New Portfolio

Advantage Agent

Overall Improvements• No prescription drug deductible for

generics

• HealthyDiscount expanded (where available)

• Expanded complications of pregnancy coverage

• Improved maternity benefits

• No age limit for dependents to remain onparents’ policy

New Portfolio

Advantage Agent

Overall Improvements —No prescription drug deductible for generics on MaxPlan, CoreMed and RightStart

Generic prescriptions• Convenient $15 copay • No deductible

Brand name prescriptions• $500 deductible • Convenient $25 copay + coinsurance

New Portfolio

Advantage Agent

Overall Improvements —HealthyDiscount expandedHealthyDiscount rewards healthy clients with a 10% reduction of renewal premiumsExpanded: • Now available for all new portfolio plans

Benefits:• To client − Saves healthy clients 10% at

renewal time (1st 6 anniversaries)• To agent − Increase your persistency and

renewal income

New Portfolio

Advantage Agent

Overall Improvements —Expanded Complications of Pregnancy CoverageExpandedCovers all complications of pregnancy except:

• elective C-sections• hyperemesis gravidarum

For CoreMed, MaxPlan and OneDeductible HSA

BenefitWith more common complications of pregnancy now covered in the base plan, the popularity of these plans will grow among clients with families

New Portfolio

Advantage Agent

Overall Improvements — Improved Maternity BenefitsCovers

• Prenatal care• Delivery and post-care

Subject to a waiting period and a maternity-specific deductible

• Pays at 100% after deductible

Deductible amounts• $1,000, $2,500, $5,000 and $10,000

Client Benefit• At any deductible, client gets our

network discounts − this can translate to thousands in savings

• Caps clients out-of-pocket exposure

New Portfolio

Advantage Agent

Customer’s Total Annual Cost

$x,xxx $x,xxx

Customer Saves $x,xxx

This grid illustrates the competitive advantage of the improved maternity benefits to your clients.

Couple Age 35

Assurant Health CoreMed($2,000 Ded, $2,500 Mat Ded)

Golden Rule Plan 80($2,500 Ded, $4,000 Mat

Benefit)

Plan Premium Maternity OOP Plan Premium Maternity OOP

$xxx $2,500 $xxx $x,xxx

Sales Tool — Improved Maternity Benefits

New Portfolio

Advantage Agent

This grid illustrates the competitive advantage of the improved maternity benefits to your clients.

Couple Age 35

Assurant Health CoreMed($2,000 Ded, $2,500 Mat Ded)

Blue Cross($1,750 Ded, $2,000 Mat Max)

Plan Premium Maternity OOP Plan Premium Maternity OOP

$xxx $2,500 $xxx $x,xxx

Sales Tool — Improved Maternity Benefits

New Portfolio

Customer’s Total Annual Cost

$x,xxx $x,xxx

Customer Saves $x,xxx

MaxPlanMaxPlanSM

CoreMedCoreMedSM

RightStartRightStartSM

Customary PlansCustomary Plans

Advantage Agent

MaxPlanSM

Value Proposition: • Maximum protection to achieve security

and predictability • Most extensive benefits • Many options

Who is it for?MaxPlan is ideal for clients who:

• understand the value of protecting both their health and their assets

• want no limits on how often they see their doctor – always at a set price

• are highly concerned about havingan adequate level of protection

MaxPlanSM

Advantage Agent

MaxPlanSM HighlightsDoctor office visit copay optionUnlimited visits at $35 /visit

Preventive services Eligible from 1st day of coverage $750 per person/calendar year

Generic prescription drugs Convenient $15 copay on generics with no deductible, no limit

Brand name prescription drugs$500 deductible$25 copay and 20% coinsurance

Family deductibleOnly 2X individual deductible

Lifetime maximumUp to $8 million

MaxPlanSM

Deductibles $0, $500, $1,000, $1,500, $2,500, $5,000, $10,000 or $25,000 (Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structures 100/0, 80/20, 70/30, 50/50

Out-Of-Pocket Maximum $0 to $10,000, depending on coinsurance

Lifetime Benefit Maximum

$3 million or $8 million

24 Month Rate Guarantee*36 Month Available

Available with $5,000 deductible

MaxPlanSM Details

See brochure for complete details

See brochure for complete details

MaxPlanSM

*not available in KS, MN, MS, NM, ND or OR

Advantage Agent

CoreMedSM

Value Proposition: • Broad coverage at the best value• No inside limits• The plan clients ask for

• Most flexible• Most requested• Most sold

Who is it for?• Excellent for people who want to control

premiums without sacrificing benefits• Appeals to a wide range of individuals

and families

CoreMedSM

Advantage Agent

CoreMedSM Highlights

Office visit copay option Four visits/person/year − just $35 per visit

Preventive services $500/person/year

Generic prescription drugs Convenient $15 copay on generics withno deductible, no limit

Brand name prescription drugs$500 deductible$25 copay and 50% coinsurance

Family deductibleOnly 2X individual deductible

CoreMedSM

Deductible Options $0, $500, $1,000, $1,500, $2,000, $3,500, $5,000 or $10,000 (Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structures 80/20, 70/30, 50/50

Out-Of-Pocket Maximum $1,250 to $7,500 depending on coinsurance

Lifetime Benefit Maximum

$2 million or $6 million

Facility Fees • Outpatient: $200/outpatient surgery• Inpatient: $200 per day for the first three days

24 Month Rate Guarantee*36 Month Available

Available with $3,000, $5,000 or $10,000 deductibles

CoreMedSM Details

See brochure

for complete

details

See brochure

for complete

details

CoreMedSM

15% cheaper than $1000 deductible!

15% cheaper than $1000 deductible!

*not available in KS, MN, MS, NM, ND or OR

50% to $4000 Out-Of-Pocket =

16% Savings!

50% to $4000 Out-Of-Pocket =

16% Savings!

Advantage Agent

Assurant Health MaxPlan (no copay)Age 42 Family, $1,500 ded, 50% to $2,500, no mat, $500 Rx

$350.79

Golden Rule Copay Select ($25 copay)Age 42 Family, $1,500 ded, 80% to $2,000, Rx $15 Gen, Brand $100 ded $30/$60

$438.08

Annual Savings $1,047.48

Phoenix 85262 Rates Effective 5/1/06

Rate Positioning: MaxPlan vs. Golden Rule

Advantage Agent

RightStartSM

Value Proposition:• Basic benefits plus added protection

against serious illnesses and injuries• Most affordable plan

Who is it for?• Uninsured individuals and families• Individuals and families considering

dropping current coverage because of price

• Prospective clients with limited budgets

RightStartSM

Advantage Agent

RightStartSM Highlights

Doctor office visit copay option2 visits at $25/visit

Generic prescription drugsConvenient $15 copay on generics with no deductible, optional limit up to Annual Maximum amount

Brand name prescription drugs $500 deductible$25 copay with 50% coinsurance

RightStart benefitMany combinations to keep premium within budget

• Annual maximum• Outpatient services maximum • Prescription drug maximum

Also available as a non-PPO plan

RightStartSM

Deductible $500, $1,000 or $2,500 (Family deductible maximum is three times the deductible and is met collectively by three or more persons)

Plan Structures 75/25, 50/50

Out-Of-Pocket Maximum $2,000 with 50/50 plan$3,000 with 75/25 plan

Outpatient Services Maximum

$2,500, $5,000 or $10,000

Annual Maximum $50,000, $100,000 or $250,000

Lifetime Benefit Maximum $2 million

RightStartSM Details

See brochure for complete

details

See brochure for complete

details

RightStartSM

Health Savings AccountsHealth Savings Accounts

Advantage Agent

HSAs – A ReviewAn HSA plan is a combination of:• A qualified high-deductible health plan• A tax-favored savings account• Clients can use an HSA to pay medical expenses not paid by their high deductible

health plan — including bills that go toward meeting the deductible and many other expenses

Client Financial Benefits:• Pay no income tax on money deposited in HSA• No tax on interest or earnings as long as money

withdrawn is for qualified medical expenses• Unspent money rolls over year to year for use

in paying future medical expenses or supplementing retirement income

• At age 65, clients can withdraw money from HSA for non-medical expenses without penalty, paying only standard income tax

Health Savings Accounts

Funding an HSA is Easy

Premium savings from the high deductible health insurance plan can be used to fund HSA contributions

Advantage Agent

• Three million people are enrolled in HSA-qualified plans• That’s triple the number enrolled just 10 months ago• Assurant Health is the HSA leader

HSA Sales Continue Unprecedented Growth

Source: January 2006 report from America's Health Insurance Plans

Health Savings Accounts

10 months ago

Today

OneDeductible HSAOneDeductible HSASM

SaveRight HSASaveRight HSASM

HSA-Qualified Plans

Advantage Agent

OneDeductible HSASM

Value Proposition: • Convenient: One common deductible for ALL

covered expenses – even prescriptions – for everybody on the plan

• Simple: Easiest-to-understand plan • Extensive Benefits: Most robust HSA plan• Smart Financial Choice: Higher deductible and

lower premiums than conventional plans

Who is it for?• People who view health insurance as a financial

decision as well as a healthcare decision• Those willing to fund their everyday expenses,

but who want extensive catastrophic coverage• People who value the tax savings associated

with an HSA

OneDeductible HSASM

Advantage Agent

OneDeductible HSASM Highlights

Simple − One deductible for all family members

Preventive services• $500 annual preventive services benefit• New, optional first-dollar preventive services benefit

• $250/person/year after 12 months

Lifetime maximum benefit• Up to $8 million

HSA account administration options• HSA Tools• HSA Fundamentals

Also available as a non-PPO plan

OneDeductible HSASM

Deductibles Individual plan: $1,100, $1,600, $2,100 $2,850, $3,750, or $5,000 Family plan: $2,200, $3,200, $4,200, $5,700, $7,500 or $10,000

Plan Structures 100/0, 80/20, 50/50

Out-Of-Pocket Maximum $0 to $5,000, depending on coinsurance

Lifetime Benefit Maximum $3 million or $8 million

24 Month Rate Guarantee*36 Month Rate Guarantee*

Available with $5,000 deductible

OneDeductible HSASM Details

See brochure for complete

details

See brochure for complete

details

OneDeductible HSASM

*not available in KS, MN, MS, NM, ND or OR

Advantage Agent

SaveRight HSASM

Value Proposition: • Most economical HSA-qualified plan• Premium savings can be used to

help fund the HSA

Who is it for?• Those whose top priority is

premium savings• People willing to assume greater

risk but want catastrophic coverage• People who want the tax benefits of

an HSA plan and low premiums

SaveRight HSASM

Advantage Agent

SaveRight HSASM HighlightsNew! − 100% plan with $3000 deductible

Prescription drugs• Covered

Lifetime maximum• $2 million

HSA account administration• Comes with HSA Tools

Flexible options to keep premiums low• Outpatient services maximum

options available

Also available as a non-PPO plan

SaveRight HSASM

Deductible $2,000, $3,000 or $5,100(Family deductible maximum is two times the deductible and is met collectively by two or more persons)

Plan Structure 100/0, 75/25, 50/50

Out-Of-Pocket Maximum Options

$0 to $3,000 depending on coinsurance

Outpatient Services Maximum $15,000 or $25,000

Annual Maximum None

Lifetime Benefit Maximum $2 million

24 Month Rate Guarantee*36 Month Available

Available with $5,100 deductible

SaveRight HSASM Details100% plan

now available with $3,000 deductible.

Saves more

than 10% vs. comparable

OneDeductible design!

100% plan now available with $3,000 deductible.

Saves more

than 10% vs. comparable

OneDeductible design!

See brochure for

complete details

See brochure for

complete details

SaveRight HSASM

*not available in KS, MN, MS, NM, ND or OR

Advantage Agent

HSA Administration OptionsHSA Tools

• Simplified access to funds and user-friendly money management capabilities

• Online HSA account info seamlessly integrated with claims history

• Automatic deposit • Personalized Visa® debit card • Check-writing options • Investment options, including major mutual funds

HSA Fundamentals• Free• Interest-bearing account • Administered by Assurant Health• Automatic reimbursement for

out-of-pocket costs available

HSA-Qualified Plans

Suite Solutions

Advantage Agent

Suite SolutionsOverview

• Cash benefits that help pay out-of-pocket expenses• Available through membership in Health

Advocates Alliance

Who is it for?

• Clients who have a high deductible• Clients concerned about accidents

(typically clients with children)

Client Benefit

• “Gap” coverage provides security and savings• Portable• Easy

Suite Solutions

Advantage Agent

Product OptionsSecureSolution

• Accident Medical Expense Benefit• Accidental Death and Dismemberment Benefit• Weekly Accident Indemnity Benefit

SelectSolution

• Accident Medical Expense Benefit

• Critical Illness Expense Benefit

• Accidental Death and Dismemberment Benefit

• Weekly Accident Indemnity Benefit

• Identity Network Child Safety Services

• Identity Theft Benefit

• Discounts on dental, vision and more

Suite Solutions

Advantage Agent

Designed to be Easy for AgentsEasy Quoting

• Use proposal software or EASE

Easy Process

• One application

• One check

• No additional underwriting

It’s Working

• 25% of new plans include SuiteSolutions

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

J F M A M J J A S O N D

Percentage of 2005 new plans sold with Suite Solutions

Suite Solutions

Advantage Agent

New Enrollment Forms availableor

Avoid the hassle of paper: use EASE!

New Enrollment Forms availableor

Avoid the hassle of paper: use EASE!

Submitting your BusinessNew rates and all plans on EASE

Download current proposal software at the agent sales site

Any questions feel free to contact your MGA

CALL LPI LPI TODAY FOR UP TO DATE CHANGES TO THE ASSURANT PRODUCT LINE… YOU WILL BE SURPRISED!

LPI Companies Inc.LPI Companies Inc.

786-845-3900786-845-3900