keymed a new impaired risk health plan the keymed sm plan provides limited benefits and has both...

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KeyMed KeyMed A new impaired risk health plan A new impaired risk health plan The KeyMed The KeyMed SM SM plan provides limited benefits and has both specific annual and per condition plan provides limited benefits and has both specific annual and per condition benefit limits. This is not a major medical insurance plan and is not a replacement for benefit limits. This is not a major medical insurance plan and is not a replacement for one. Applicants are individually underwritten and some individuals may not qualify. one. Applicants are individually underwritten and some individuals may not qualify. SM

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Page 1: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMedKeyMedA new impaired risk health planA new impaired risk health plan

KeyMedKeyMedA new impaired risk health planA new impaired risk health plan

The KeyMedThe KeyMedSMSM plan provides limited benefits and has both specific annual and per condition benefit limits. plan provides limited benefits and has both specific annual and per condition benefit limits. This is not a major medical insurance plan and is not a replacement for one. Applicants are individually This is not a major medical insurance plan and is not a replacement for one. Applicants are individually underwritten and some individuals may not qualify.underwritten and some individuals may not qualify.

SM

Page 2: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

New Sales Opportunity!New Sales Opportunity!

KeyMed is a new impaired risk product KeyMed is a new impaired risk product

that gives you the ability to:that gives you the ability to:• Increase your placement rateIncrease your placement rate

• Earn more commissionsEarn more commissions

• Accurately advise clients about Accurately advise clients about plan options and ultimate priceplan options and ultimate price

• Offer a plan to more individuals Offer a plan to more individuals in a worksite settingin a worksite setting

• Offer coverage through one carrier, Offer coverage through one carrier, for all family membersfor all family members

Page 3: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Expand Your Customer Base with Expand Your Customer Base with KeyMedKeyMed• Applicants with medical conditionsApplicants with medical conditions

— DiabetesDiabetes— LeukemiaLeukemia— Heart attackHeart attack— Crohn’s diseaseCrohn’s disease— HemophiliaHemophilia— And more . . .And more . . .

• Higher weight limits than standard individual Higher weight limits than standard individual medical portfoliomedical portfolio

• People participating in hazardous activitiesPeople participating in hazardous activities

Not excluded from KeyMed coverage; however, no benefits are provided Not excluded from KeyMed coverage; however, no benefits are provided for claims related to these activitiesfor claims related to these activities

Note: Each applicant is individually underwritten. While KeyMed provides a broader acceptance of risk, some applicants may not qualify.

Page 4: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Four Ways to Sell KeyMedFour Ways to Sell KeyMed

1.1. Initial proposal for hard-to-place applicants Initial proposal for hard-to-place applicants (know upfront not eligible for major medical)(know upfront not eligible for major medical)

2.2. Family sales with combined Family sales with combined standard individual health standard individual health portfolio and KeyMed applicants portfolio and KeyMed applicants

3.3. An attractive counter-offer for An attractive counter-offer for people who have been declined people who have been declined or offered an exclusionary rideror offered an exclusionary rider

4.4. Enhanced worksite sales Enhanced worksite sales opportunityopportunity

Page 5: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed Quick FactsKeyMed Quick Facts

• No application feeNo application fee

• Same commissions as Individual Same commissions as Individual MedicalMedical

• KeyMed is only available through KeyMed is only available through agentsagents

—Quote can be emailed via Quote can be emailed via EASEEASE —Not currently available with My Sales Link and Not currently available with My Sales Link and

My Web PageMy Web Page

Page 6: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Assurant Health ValueAssurant Health Value

• Assurant Health offers a broader range of Assurant Health offers a broader range of products to meet the needs of your customersproducts to meet the needs of your customers —95% of all applicants can now qualify for health 95% of all applicants can now qualify for health

coverage through various Assurant Health planscoverage through various Assurant Health plans

• We’ve got your back . . .We’ve got your back . . .—A KeyMed quote is automatically provided for A KeyMed quote is automatically provided for

qualifying clients who are declined for a standard qualifying clients who are declined for a standard portfolio productportfolio product

• Individual applicantsIndividual applicants• One or more individuals within a familyOne or more individuals within a family

Page 7: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

State AvailabilityState Availability

AL, AZ, CO, IA, AL, AZ, CO, IA, IL, MI, MO, NC, OH, IL, MI, MO, NC, OH,

PA, SC, TN, WIPA, SC, TN, WI

13 States13 States

Page 8: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Plan OverviewPlan Overview

• Two plans to choose from: $100,000 or $50,000Two plans to choose from: $100,000 or $50,000

• Provides benefits for prescriptions, office Provides benefits for prescriptions, office visits, lab tests, x-rays, hospitalization, surgery visits, lab tests, x-rays, hospitalization, surgery and more! and more!

• Includes PPO network (PHCS Healthy Directions) Includes PPO network (PHCS Healthy Directions) discounts to help lower out-of pocket costs discounts to help lower out-of pocket costs –– at no additional cost at no additional cost

Page 9: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

BENEFITS $100,000 PLAN $50,000 PLAN

Inpatient Hospital (No deductible, coinsurance only)

Facility Charges

Up to:•$4,000 per day for Sickness•$4,500 per day for Accident •$100,000 per condition

maximum

Up to:• $2,000 per day for Sickness • $2,500 per day for Accident • $50,000 per condition maximum

Outpatient (Deductible & coinsurance apply)Includes x-ray, lab, outpatient and surgical facility

• Up to $750 per calendar year • Up to $500 per calendar year

Office Visits – includes wellnessi.e. Exam, immunizations and allergy injections

• $25 copay• Up to 3 visits per calendar year

• $25 copay• Up to 3 visits per calendar year OR • $250 per calendar year

Emergency Room$100 access fee waived if admitted

• $100 access fee, waived if admitted• Up to $500 per visit• 2 visits per calendar year

• $100 access fee, waived if admitted• Up to $500 per visit• 2 visits per calendar year

Ambulance (Ground/Air) • Up to $100 ground/$1,000 air• 2 trips per calendar year

• Up to $100 ground/$1,000 air• 2 trips per calendar year

Prescriptiongeneric/pref brand/nonpref brand

• $15/$50/$75 copay• Up to $250 per calendar year

• $15/$50/$75 copay• Up to $250 per calendar year

Surgical Services Surgical Procedure Anesthesia Asst. Surgeon

Up to: • Scheduled amount $10,000 per condition maximum• 20% of schedule• 20% of schedule

Up to: • Scheduled amount $10,000 per condition maximum• 20% of schedule• 20% of schedule

Network – automatically included

• PHCS Healthy Directions • PHCS Healthy Directions

Deductible (Outpatient Services only)Coinsurance (Inpatient and Outpatient)

• $200• 80%

• $500 • 80%

KeyMed Plan DesignKeyMed Plan Design

Page 10: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

• Deductible waivedDeductible waived • 80%80% coinsurance appliescoinsurance applies

• Up to: Up to: – $ 4,000 a day for Sickness$ 4,000 a day for Sickness– $ 4,500 a day for Accident $ 4,500 a day for Accident – $100,000 per condition $100,000 per condition maximummaximum

Inpatient Inpatient HospitalHospital

KeyMed: $100,000 PlanKeyMed: $100,000 Plan

BENEFITBENEFIT

• No deductibleNo deductible• $500 per day increase for accidents$500 per day increase for accidents• Non-surgical physician expense is included in daily Non-surgical physician expense is included in daily benefitbenefit

Assurant Health Plan Assurant Health Plan AdvantagesAdvantages

• Deductible waivedDeductible waived • 80%80% coinsurance appliescoinsurance applies

• Up to: Up to: – $ 2,000 a day for Sickness$ 2,000 a day for Sickness– $ 2,500 a day for Accident $ 2,500 a day for Accident – $50,000 per condition maximum$50,000 per condition maximum

KeyMed: $50,000 PlanKeyMed: $50,000 Plan

Page 11: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Hospital Benefit IllustrationHospital Benefit Illustration5-day hospital stay for a sickness/$4,000 per day 5-day hospital stay for a sickness/$4,000 per day benefitbenefit$36,000 in expenses$36,000 in expenses

* Assumes a national average PHCS Healthy * Assumes a national average PHCS Healthy Discount Discount network discount of 30% reducing charges to network discount of 30% reducing charges to $25,200$25,200

No No InsuranceInsurance

KeyMed KeyMed $100,000 $100,000

planplan(Network (Network Provider)Provider)

KeyMed KeyMed $100,000 $100,000

planplan(Non-Network

Provider)

BenefitBenefit $0$0 $20,000$20,000 $20,000$20,000

Out-of-Out-of-Pocket Pocket CostsCosts

$36,000$36,000 $5,200*$5,200* $16,000$16,000

Page 12: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

• $200 deductible applies $200 deductible applies

• 80% up to $750 calendar 80% up to $750 calendar year maximumyear maximum

OutpatientOutpatient Includes x-ray, lab, etc.Includes x-ray, lab, etc.

KeyMed: $100,000 KeyMed: $100,000 PlanPlan

BENEFITBENEFIT

• Benefit renews each calendar yearBenefit renews each calendar year

• This benefit is not reduced by any rider/endorsementThis benefit is not reduced by any rider/endorsement

Assurant Health Plan Assurant Health Plan AdvantagesAdvantagescontinued . . .continued . . .

• $500 deductible applies $500 deductible applies

• 80% up to $500 calendar 80% up to $500 calendar year maximumyear maximum

KeyMed: $50,000 KeyMed: $50,000 PlanPlan

Page 13: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

• $25 office visit copay, 3 visits $25 office visit copay, 3 visits per calendar year per calendar year

• Includes exam, immunizations, Includes exam, immunizations, allergy injections allergy injections

Office Visit Office Visit

KeyMed: $100,000 PlanKeyMed: $100,000 Plan

BENEFITBENEFIT

• Eligible expenses are covered after $25 copayEligible expenses are covered after $25 copay

• Annual and preventive exams are eligibleAnnual and preventive exams are eligible

• Benefit renews each calendar yearBenefit renews each calendar year

• This benefit is not reduced by any rider/endorsementThis benefit is not reduced by any rider/endorsement

• Covered x-ray and labs performed in the office are Covered x-ray and labs performed in the office are eligible under the outpatient benefiteligible under the outpatient benefit

Assurant Health Plan Assurant Health Plan AdvantagesAdvantagescontinued . . .continued . . .

• $25 office visit copay, 3 visits $25 office visit copay, 3 visits per calendar year OR $250 in per calendar year OR $250 in benefitsbenefits

• Includes exam, immunizations, Includes exam, immunizations, allergy injections allergy injections

KeyMed: $50,000 PlanKeyMed: $50,000 Plan

Page 14: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

SameSame

SameSame

• Up to $100 ground/ Up to $100 ground/ $1,000 air – per trip $1,000 air – per trip • 2 trips per calendar year 2 trips per calendar year maximummaximum

• $100 access fee$100 access fee• Up to $500 benefit per visit, Up to $500 benefit per visit, 2 visits per calendar year 2 visits per calendar year • Access fee waived if Access fee waived if admittedadmitted

AmbulanceAmbulance

Emergency Emergency RoomRoom

KeyMed: $100,000 PlanKeyMed: $100,000 Plan

BENEFITBENEFIT

• Benefits renew each calendar yearBenefits renew each calendar year

• Benefits are not reduced by any rider/endorsementBenefits are not reduced by any rider/endorsement

Assurant Health Plan Assurant Health Plan AdvantagesAdvantagescontinued . . .continued . . .

KeyMed: $50,000 PlanKeyMed: $50,000 Plan

Page 15: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

• $15/$50/$75 copay$15/$50/$75 copay• Up to $250 calendar year Up to $250 calendar year benefit maximumbenefit maximum

PrescriptionsPrescriptions(3 tier plan)(3 tier plan)

KeyMed: $100,000 KeyMed: $100,000 PlanPlanBENEFITBENEFIT

• Medco drug card provides discounts for prescriptions Medco drug card provides discounts for prescriptions even if calendar year benefit maximum is reachedeven if calendar year benefit maximum is reached

• Prescriptions for pre-existing conditions receive Prescriptions for pre-existing conditions receive Medco discountsMedco discounts

• Benefit renews each calendar yearBenefit renews each calendar year

• Drug benefit is not reduced by any rider/endorsementDrug benefit is not reduced by any rider/endorsement

Assurant Health Plan Assurant Health Plan AdvantagesAdvantagescontinued . . .continued . . .

SameSame

KeyMed: $50,000 KeyMed: $50,000 PlanPlan

Page 16: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

• Surgical schedule is the same for both plansSurgical schedule is the same for both plans

• Includes inpatient and outpatient surgeriesIncludes inpatient and outpatient surgeries

• Network discounts included at no extra costNetwork discounts included at no extra cost

PHCS Healthy Directions PHCS Healthy Directions NetworkNetwork

• Up to scheduled amount $10,000 Up to scheduled amount $10,000 per condition maximumper condition maximum• 20% of surgeon’s benefit20% of surgeon’s benefit• 20% of surgeon’s benefit20% of surgeon’s benefit

SurgicalSurgical Surgical ProcedureSurgical Procedure AnesthesiaAnesthesia Asst. SurgeonAsst. Surgeon

KeyMed: $100,000 PlanKeyMed: $100,000 Plan BENEFITBENEFIT

Assurant Health Plan Assurant Health Plan AdvantagesAdvantagescontinued . . .continued . . .

SameSame

SameSame

KeyMed: $50,000 KeyMed: $50,000 PlanPlan

Page 17: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Network Included!Network Included!

$ Included at no additional costIncluded at no additional cost

$ Typically offers better discounts than other impaired risk products . . . which means BIGGER savings for customersTypically offers better discounts than other impaired risk products . . . which means BIGGER savings for customers

$ Extensive national network of providers to maximize your customers’ benefitsExtensive national network of providers to maximize your customers’ benefits

$ No reduction in benefits for non-network servicesNo reduction in benefits for non-network services

PHCS Healthy Directions PHCS Healthy Directions

To locate providers, clients can go to www.phcs.com To locate providers, clients can go to www.phcs.com and select the Healthy Directions network.and select the Healthy Directions network.

Page 18: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Increase Value with Supplemental Increase Value with Supplemental ProductsProducts

The following supplemental products are The following supplemental products are

available with KeyMed plans:available with KeyMed plans:

• Dental InsuranceDental Insurance

• Dental-Vision Discount PlanDental-Vision Discount Plan

• SuiteSolutionsSuiteSolutions®® –– includes SecureSolution and includes SecureSolution and SelectSolutionSelectSolution

Page 19: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed Approach for Impaired Risk KeyMed Approach for Impaired Risk MarketMarket

• Allows many conditions to Allows many conditions to be taken standardbe taken standard

• Coverage is provided to Coverage is provided to people people with serious medical with serious medical conditions conditions with a rating and/or a with a rating and/or a Modified Benefit Endorsement Modified Benefit Endorsement (MBE)(MBE)

Market approach varies by state.Market approach varies by state.

Page 20: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Modified Benefit Endorsement (MBE) Modified Benefit Endorsement (MBE) Overview Overview

• MBE provides benefits for medical condition(s)MBE provides benefits for medical condition(s)— No coverage is provided for ridered condition(s) for first 185 No coverage is provided for ridered condition(s) for first 185

daysdays— After first 185 days, coverage is provided for the ridered After first 185 days, coverage is provided for the ridered

conditioncondition— 25% reduction in hospital and surgical benefits for the ridered 25% reduction in hospital and surgical benefits for the ridered

condition condition — All other benefits are paid the same as any other illnessAll other benefits are paid the same as any other illness

• Applicant can accept MBE onlineApplicant can accept MBE online— Saves chasing signaturesSaves chasing signatures— Allows policy to be issued fasterAllows policy to be issued faster

• Multiple conditions on one MBEMultiple conditions on one MBE— Saves obtaining multiple acceptanceSaves obtaining multiple acceptance— Less paper to juggleLess paper to juggle

Page 21: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Medical Conditions Taken StandardMedical Conditions Taken Standard

Examples include:Examples include:

• Acid reflux Acid reflux • AllergiesAllergies• Headaches and migraines Headaches and migraines • Irritable bowel syndromeIrritable bowel syndrome• Mild asthma Mild asthma • And moreAnd more

Page 22: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed Rates KeyMed Rates • There is only one class of There is only one class of

rates rates –– no preferred rates no preferred rates or non-smoker discountsor non-smoker discounts

• Rates shown are base Rates shown are base rates rates –– PRIORPRIOR to any to any underwriting load for underwriting load for medical conditions and any medical conditions and any applicable applicable association feesassociation fees

• Each applicant receives Each applicant receives their own rate, including their own rate, including each dependent childeach dependent child

• Rates include access to Rates include access to PHCS Healthy Directions PHCS Healthy Directions network and drug cardnetwork and drug card

Monthly Premium Monthly PremiumAge Male Female Male Female

Dep. Child 117$ 117$ 86$ 86$ 18-25 141$ 184$ 101$ 129$ 26-30 159$ 217$ 114$ 157$ 31-35 168$ 232$ 119$ 169$ 36-40 187$ 242$ 136$ 175$ 41-45 215$ 265$ 157$ 194$ 46-50 259$ 288$ 191$ 209$ 51-55 307$ 328$ 221$ 235$ 56-60 364$ 357$ 262$ 260$ 61-63 411$ 396$ 297$ 287$

KeyMedKeyMed Generic RatesGeneric Rates (applicable in most states) (applicable in most states)

$100,000 Plan $50,000 Plan

Page 23: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed Rates - OhioKeyMed Rates - Ohio• There is only one class of There is only one class of

rates rates –– no preferred rates no preferred rates or non-smoker discountsor non-smoker discounts

• Rates shown are base rates Rates shown are base rates –– PRIORPRIOR to any to any underwriting load for underwriting load for medical conditions and any medical conditions and any applicable applicable association feesassociation fees

• Each applicant receives Each applicant receives their own rate, including their own rate, including each dependent childeach dependent child

• Rates include access to Rates include access to PHCS Healthy Directions PHCS Healthy Directions network and drug cardnetwork and drug card

Monthly Premium Monthly PremiumAge Male Female Male Female

Dep. Child 119$ 119$ 88$ 88$ 18-25 143$ 186$ 103$ 131$ 26-30 161$ 219$ 116$ 159$ 31-35 170$ 234$ 121$ 171$ 36-40 189$ 244$ 138$ 177$ 41-45 217$ 267$ 159$ 196$ 46-50 261$ 290$ 193$ 211$ 51-55 309$ 330$ 223$ 237$ 56-60 366$ 359$ 264$ 262$ 61-63 413$ 398$ 299$ 289$

KeyMedKeyMed Rates - OhioRates - Ohio (applicable in most states) (applicable in most states)

$100,000 Plan $50,000 Plan

Page 24: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Product PositioningProduct PositioningKeyMed is the SolutionKeyMed is the Solution

KeyMed provides impaired-risk individuals with “reimbursement” type benefits vs. indemnity plans. It also provides more comprehensive benefits. KeyMed offers network discounts at no extra charge and provides Rx benefits

at no additional cost. These are not common features of the products in the impaired risk market today.

Head-to-Head with Other Impaired Risk Plan Competitors

KeyMed is crucial for worksite sales, providing a plan option for impaired-risk individuals who would not otherwise be eligible for coverage.

Worksite Sale

KeyMed may be a preferred option for applicants who specifically want coverage for the ridered condition(s).

Major Medical with Exclusionary or CSD Rider

KeyMed is a viable offering for many conditions declined by Major Medical. It may provide more cost efficient coverage than state high risk plans while paying a normal commission rate.

Major Medical Decline

POSITIONINGSCENARIO

Page 25: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Business As UsualBusiness As Usual

Insure more clients without Insure more clients without changing the way you changing the way you do business!do business!

Same application options Same application options as Individual Medical:as Individual Medical:

• EASEEASE• SoftwareSoftware• PaperPaper

Page 26: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Application Submission OptionsApplication Submission Options

• Submit application with all medical Submit application with all medical conditions identified upfront using conditions identified upfront using Quick ToolQuick Tool—Ensures most accurate quoteEnsures most accurate quote—Eliminates re-selling of ratesEliminates re-selling of rates—Fastest way to get policy issuedFastest way to get policy issued

• Submit application to underwriting to Submit application to underwriting to have rating and/or MBE assigned prior have rating and/or MBE assigned prior to policy issuanceto policy issuance

Easiest and fastest

option!

Page 27: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Selling Made Easy!Selling Made Easy!

• Quick Tool to help determine if the standard portfolio or KeyMed is the best Quick Tool to help determine if the standard portfolio or KeyMed is the best choicechoice

• Ability to add medical conditions to KeyMed members to get a more Ability to add medical conditions to KeyMed members to get a more accurate quoteaccurate quote

• Combined quote available for standard portfolio and KeyMed for family Combined quote available for standard portfolio and KeyMed for family membersmembers

• MBE’s can be e-signed online MBE’s can be e-signed online –– resulting in quicker policy issue resulting in quicker policy issue

• Demographic information only needs to be provided once for a familyDemographic information only needs to be provided once for a family

• View quotes and underwriting status for both KeyMed and standard View quotes and underwriting status for both KeyMed and standard portfolio plans portfolio plans –– with the click of a button with the click of a button

• Billing address information pre-fills for a family when you submit both Billing address information pre-fills for a family when you submit both applications through applications through EASEEASE

NEW!

Page 28: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed CapabilitiesKeyMed Capabilities continued . . .continued . . .

• All individual medical submission methods acceptedAll individual medical submission methods accepted

• Ability to email a quote from EASE and have Ability to email a quote from EASE and have applicantapplicantapply onlineapply online

• Ability to quote Ability to quote –– both online and offline both online and offline

• Payment methods Payment methods –– monthly, quarterly, semi-annual, monthly, quarterly, semi-annual,

annual, and list billingannual, and list billing

• Express Underwriting is available Express Underwriting is available (Does not include (Does not include ExpressExpressYes)Yes)

The features you like with IM sales are available The features you like with IM sales are available with KeyMed too! with KeyMed too!

Page 29: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Important DatesImportant Dates

SalesSales

• Implementation: Implementation: December 15December 15thth

• Effective Dates: Effective Dates: December 16December 16thth and laterand later

Page 30: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Marketing MaterialsMarketing Materials

• Brochure Brochure –– Supply and InternetSupply and Internet

• Sales Sheet Sales Sheet –– Internet onlyInternet only

• IM Agent Guide IM Agent Guide (Addendum for KeyMed included)(Addendum for KeyMed included) –– Internet onlyInternet only

• KeyMed Underwriting Field Guide KeyMed Underwriting Field Guide –– Internet onlyInternet only

• Sample Contracts Sample Contracts –– Internet onlyInternet only

• State Variations State Variations –– Internet/Software/Internet/Software/EASEEASE

Page 31: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Marketing MaterialsMarketing Materials AvailabilityAvailability

• Supply Supply –– November 14November 14thth

• Internet Internet (agent sales site)(agent sales site) –– December December 1515thth

• EASEEASE –– December 15thDecember 15th

• Software Software –– December 15thDecember 15th

Page 32: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Managing Multiple Managing Multiple Plans Plans

within a Familywithin a Family

Managing Multiple Managing Multiple Plans Plans

within a Familywithin a Family

Page 33: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

$284.00

$200

Related Quotes Related Quotes Find Saved Quote/Client ScreenFind Saved Quote/Client Screen

Page 34: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

View Related QuoteView Related QuoteQuote Summary ScreenQuote Summary Screen

Sara Black

View Related Quote

Page 35: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Last Activity Date

05/12/2004

05/03/2004

05/02/2004

05/02/2004

Status Search ResultsSearch Results: 4 records Search Criteria: Application Status: Pending Requirement Type Status: Open Date Type: Days Pending Date Range: Greater than 1 Days

<Available only if the search results has 26 results or more. "Previous" is not available on the first page, "Next" is not available on the last page>

New SearchView Details

Click the underlined column heading to sort the results in ascending or descending order.

Result Page: < Previous 1 | 2 | 3 | 4 | 5

Next >Result Page: < Previous 1 | 2 | 3 | 4 | 5

Next >

Displayed information is based on business as of: 06/01/2004 at 2:30 PM (Central Time)

Search / View Status > Search Results

Agent Name Agent NumberAgency Name

JOHNSON, CHRISTOPHER

HAWK, ETHAN

JUNG, TERRA

SMITH, DIANEFred Rank Insurance

Fred Rank Insurance

Fred Rank Insurance

Fred Rank Insurance

Application Number

Applicant /Group Name

Product LineOpen

RequirementsDays

Pending

YES 20

YES 10

YES 5

YES 30

87540012PETER,

CHRISTOPHERINDIVIDUAL

MEDICAL

12543412 ANDERSON, JOHN

GROUP

1231247812 GROUP

14568904 MCCAIN, TRISH

INDIVIDUAL MEDICAL

ANDERSON, JOHN

Submission Source

Consumer Direct

Paper / Tele-App

Agent EASE

Client Link

Application Status

PENDING

INSTANT ACTIVE

PENDING

PENDING

Icon indicates there is a related application

6

Related ApplicationRelated ApplicationStatus ScreenStatus Screen

Page 36: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Click to see the related application status and information

12/16/2007

Related Application Related Application Application Status Detail ScreenApplication Status Detail Screen

Page 37: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Quoting KeyMedQuoting KeyMedQuoting KeyMedQuoting KeyMed

Page 38: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Starting a KeyMed Quote Starting a KeyMed Quote

Page 39: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

KeyMed Quote / Special Risk PlanKeyMed Quote / Special Risk Plan

Page 40: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Adding Medical ConditionsAdding Medical Conditions

Page 41: KeyMed A new impaired risk health plan The KeyMed SM plan provides limited benefits and has both specific annual and per condition benefit limits. This

Thank You! Thank You! Thank You! Thank You!

For agent use only. Not for distribution to consumers. Assurant Health is the brand name for products underwritten and issued by Time Insurance Company and John Alden Life Insurance Company. J-57057 (11/2007) Available via Internet only. © 2007 Assurant, Inc. All rights reserved.