Elite PortfolioRoth B Robertson

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Elite PortfolioBuilt on Familiar plans:• MaxPlan Elite• CoreMed Elite Plan• RightStart Elite Plan• OneDeductible Elite Plan• SaveRight HSA Elite Plan

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Exclusive Features of Elite:

• $25 million lifetime maximum benefit for MaxPlan Elite, CoreMed Elite and OneDeductible Elite

• Increased preventive services benefits– $1,500 for MaxPlan Elite and OneDeductible

Elite– $1,000 for CoreMed Elite, RightStart Elite and

SaveRight HSA Elite• Eliminated $75 emergency room fee on all

Elite plans • New coinsurance out-of-pocket maximum

amounts for MaxPlan Elite, CoreMed Elite and RightStart Elite

• New non-network deductibles and coinsurance out-of-pocket maximum amounts for all Elite plans

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Out-of-Pocket Changes • Coinsurance out-of-pocket maximums for MaxPlan Elite,

CoreMed Elite and RightStart Elite:– 50/50 and 60/40 coinsurance OOP increased $1,000 – 70/30 and 80/20 coinsurance OOP increased $2,000

• Non-network deductibles and coinsurance out-of-pocket maximums: Non-network deductible

— Individual deductible plus:Non-network coinsurance out-of-pocket maximum

MaxPlan Elite $2,000 (Family: individual x 2) $10,000 (Family: 20,000)

CoreMed Elite

$2,000 (Family: individual x 2) $15,000 (Family: $30,000)

RightStart Elite

$2,000 (Family: individual x 3) $15,000 (Family: $30,000)

OneDeductible Elite

$2,000 (Family: individual + $4,000)

$10,000 (Family: $20,000)

SaveRight HSA Elite

$2,000 (Family: individual x 2) $15,000 (Family: $30,000)

Note: Only 3% of Assurant Health PPO policyholders use non-network providers

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Additional Product Enhancements:

• Dental Plus—higher-level benefits for dental insurance, including $75/visit for semi-annual well services• Office visit copay available with $5,000 and

$10,000 deductibles—on MaxPlan Elite and CoreMed Elite plans• Maternity benefit waiting period: 90 days for all plans • Maternity option – for RightStart Elite and SaveRight HSA Elite (in states where approved)• Deductible credit pilot:

– New customers: 8 month pilot program that credits 10% of the selected deductible when proof of prior coverage is provided*– Inforce customers: First quarter test providing 10% deductible credit in 2008 for selected renewing customers

* Available with MaxPlan Elite, CoreMed Elite and OneDeductible Elite.

The Assurant Health Elite Individual Health Insurance Portfolio is further enhanced by IM product changes.

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Elite Sample Rates: CoreMed, $5,000 DedMarket Current Plan Elite Plan

Dallas (752): $240.49 $238.09Chicago (606): $170.47 $168.39

Kansas City (640): $140.31 $138.80Ft. Lauderdale (333): $190.23 $188.13

Phoenix (850): $158.38 $156.20Atlanta (303): $187.34 $186.63

Assumptions:• Male, age 40; Spouse, age 40 • CoreMed, Preferred Risk, February 1, 2008 effective date• Current Plan: $6M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta),

$3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee

• Elite Plan: $25M Lifetime Max, $5,000 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 24 month rate guarantee

• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS

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Elite Sample Rates: OneDeductible / HSAMarket Current Plan Elite Plan

Dallas (752): $424.53 $431.24Chicago (606): $295.17 $300.03

Kansas City (640): $259.01 $262.83Ft. Lauderdale (333): $356.52 $361.91

Phoenix (850): $314.22 $318.75Atlanta (303): $288.68 $293.43

Assumptions:• Male, age 40; Spouse, age 40• OneDeductible HSA, Preferred Risk, February 1, 2008 effective date• Current Plan: $8M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate

guarantee• Elite Plan: $25M Lifetime Max, $5,700 Ded, 100% Coinsurance, 12 month rate

guarantee• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft.

Lauderdale; all others -- PHCS

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Elite Sample Rates: CoreMed, $3,500 DedMarket Current Plan Elite Plan

Dallas (752): $299.06 $295.61Chicago (606): $211.43 $208.61

Kansas City (640): $175.63 $173.23Ft. Lauderdale (333): $241.89 $238.58

Phoenix (850): $198.99 $196.06Atlanta (303): $236.31 $234.13

Assumptions:• Male, age 40; Spouse, age 40 • CoreMed, Preferred Risk, February 1, 2008 effective date• Current Plan: $6M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta),

$3,500 coinsurance out of pocket ($3,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee

• Elite Plan: $25M Lifetime Max, $3,500 Ded, 50% Coinsurance (60% Atlanta), $4,500 coinsurance out of pocket ($4,000 Atlanta), $750 Facility Fee, with 12 month rate guarantee

• Networks: HealthLink – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS

Note: 24 month rate guarantee available March 15 on $3,500 Deductible