LCGP-PPT(45) MKT0052 0607

Sensible Insurance for Today’s Lifestyles

What are the headlines saying?

Healthcare costs are still rising fast and 46.6 million Americans are uninsured!

Sources: U.S. Census Bureau, August 29, 2006

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

Rate of Inflation

Americans Face a Healthcare Crisis

Healthcare costs keep increasing, and so does the rate of general inflation

Sources: Health Affairs, 2005 http://content.healthaffairs.org; Employer Health Benefits 2006 Annual Survey

2002

2003 2004

9.3%

7.7% 8.2%

Percentage of Healthcare Cost Increase

10%

7%

5%

0

5

10

15

20

25

30

35

40

45

50

Persons Without Health InsuranceThe rising costs in healthcare are pushing up health insurance premiums, forcing Americans to often choose to go uninsured. Paying for healthcare out of pocket without insurance can become a problem.

Source: U.S. Census Bureau, August 29, 2006

1992

1996 20022003 2004 2005

50

45

40

35

30

25

20

15

10

5

0

Nu

mbe

r of

uni

nsur

ed

peop

le in

mil

lion

s

This becomes a problem if you are a member of the uninsured!

The Cost of Healthcare

Hospitals take the biggest bite of the healthcare dollar, but physician costs are not far behind.

Source: Trends in the Health of Americans, 2006

Prescription Drugs12%

Other18%

Hospital37%

Nursing Home7%

Physician26%

Where Do the Largest Medical Expenses Occur?

• Hospital Confinement

• Surgical Expenses

• Emergency Room Charges

Source: Trends in the Health of Americans, 2006

Hospital Confinement vs. Doctor’s Office Bills

• The average cost of a four-day hospital stay, which includes room/board, surgical, miscellaneous and emergency expenses is nearly $20,000!*

• The average cost of a doctor’s office visit is only $200.*

Sources: *Washington Post, October 22, 2006

Therefore, the most important areas to cover are:

• Hospital Confinement

• Surgical Expenses

• Emergency Room Charges

It’s your health!You choose your healthcare providers.

Who? What? When? Where?These are questions that you answer!

UA’s Freedom of Choice

With United American Insurance Company, you are in control of your healthcare:

• No gatekeepers

• No primary care physicians

• No pre-certification

• No worries about using out-of-network providers which could run up huge co-payment obligations.

UA’s Freedom of Choice

If protecting yourself and your family from the rising cost of healthcare is a priority, then you should consider an affordable health insurance policy.

UA’s Freedom of Choice

United American’s FLEXGUARD Plus offers options for controlling your premiums without giving up benefits, and has optional features for your protection.

UA’s Freedom of Choice

Built In Features

Policy Form GSP2. This policy has some limitations and exclusions. Plans and benefits vary by state.

• Issue Ages: 0-63

• Freedom of Choice - UA Policyholders are free to visit any hospital or doctor they wish.

• Guaranteed Renewable as long as premiums are paid on time.

• Flexibility & Benefits – Policy serves as basic or supplemental insurance.

• Build to Suit - You design the policy with the coverage required to meet your needs.

• Choice of Benefit Amount – $100,000*; $75,000*; or $55,000*

• Portable Coverage – Individual policy goes where you do.

• Coverage for Individuals and Families Download Sample Brochure

* Subject to Daily Dollar Limits

The following benefits apply in an inpatient setting or outpatient surgical setting. $200 deductible must be met before benefits begin.

Hospital Expense Maximum*for any one injury or sickness $55,000

maximum* for any one injury

or sickness

$75,000 maximum*

for any one injury or sickness

$100,000 maximum*for any one

injury or sickness

Hospital Expense BenefitsAfter you pay the $200 deductible, the policy pays 80% of incurred daily and miscellaneous expenses during a hospital stay, up to the daily dollar limits shown at right and maximum benefit provisions.

80%, up to $2,200per day for days

1-10;

80%, up to $1,100 per day for the next

30 days

80%, up to $3,000per day for days

1-10;

80%, up to $1,500 per day for the next 30 days

80%, up to $4,000 per day for days

1-10;

80%, up to $2,000 per day for the next

30 days

* Subject to daily dollar limits

Inpatient or Outpatient Surgical Benefits

The following benefits apply in an inpatient setting or outpatient surgical setting. $200 deductible must be met before benefits begin.

Surgical Expense Benefit *Pays incurred expenses, up to the allowable amount detailed in the policy, for surgeon's fees. The largest surgical benefit will be paid.

100%, up to $7,500

100%, up to $7,500

100%, up to $10,000

Assistant Surgeon + up to 20% of Surgical Expense Benefit for Assistant Surgeon

Anesthesiologist + up to 25% of Surgical Expense Benefit for Anesthesiologist

Outpatient Hospital Surgery*† After you pay the $200 deductible, daily and miscellaneous expenses are covered as a one day confinement for surgery performed in a hospital or state licensed

surgical center.

80%, up to $2,200per day for days

1-10;

80%, up to $1,100 per day for the next 30 days

80%, up to $3,000per day for days

1-10;

80%, up to $1,500 per day for the next 30 days

80%, up to $4,000 per day for days

1-10;

80%, up to $2,000 per day for the next

30 days

Ambulance BenefitPolicy pays for ambulance service to or from a hospital.

80% of incurred expenses for ambulance services, up to $200

*Allowable surgical benefit amounts are specified in the Surgical Schedule within the policy. †Pays in addition to the Surgical Expense Benefit.

Inpatient or Outpatient Surgical Benefits

$55,000 $75,000 $100,000

INPATIENT ONLY BENEFITS

Inpatient Daily Room Benefit Covered under Hospital Expense Benefits

Daily Intensive Care Benefit Hospital Expense Benefits increased by $1,000 per day for days 1-10

Hospital Admission BenefitAdditional Benefit paid for each hospital stay

$100 to be used as you see fit

Registered Nurse BenefitPays for three shifts each day of full-time care during a hospital stay

80%, up to $100 per 8-hour shift;up to 3 shifts per day; 90 days maximum

Physician’s In-Patient VisitsPays for one doctor’s visit each day during a hospital stay which doesn’t require a surgical operation.

80%, up to $50 per visit;

Maximum of $2,000; for any one illness or injury

Inpatient Benefits

OUTPATIENT ONLY BENEFITS

Outpatient (non-surgical) Benefit including:• Outpatient Hospital Expense• Diagnostic imaging, X-rays, MRIs, etc.

80% up to $300 80% up to $400 80% up to $500

You can increase coverage by $500 or $1,000 with the Optional Additional Outpatient (non-surgical) Benefit

Physician’s Outpatient Visits:• Pays for doctor’s visit at a doctor’s office, clinic or at home• Annual physical exam

80%, up to $25 per visit; 80%, up to $50 for one annual exam each year; $250 maximum per year.

You can double this benefit amount with the Optional Additional Physician’s Visits Benefit

Outpatient Benefits

The following health add-ons are available at an additional cost. This optional health coverage will not continue if you cancel your FLEXGUARD Plus policy.

• Outpatient Benefit: Choose an additional $500 or $1,000 in outpatient non-surgical coverage.

• Additional Physician’s Outpatient Visits Benefit: • Double the benefit amount for your doctor visits and annual physical exam. • 80% of the doctor’s fee, up to $50 per visit; • 80% of the annual physical exam fee, up to $100

for one annual exam per year; annual maximum of $500.

• Optional Accident Benefit Rider (Rider Form R-ACC2):

• You choose a benefit amount of $10,000, $20,000, or $30,000.

• The Rider pays ONE of the following: Accidental death benefit; Lump sum amount

for specified injuries; Weekly hospital stay benefit; or, First aid medical care benefit. • You must qualify for this optional rider.

Optional Health Coverage

These life add-ons are available at an additional cost. You will receive a separate policy for any life insurance purchased in addition to your FLEXGUARD Plus policy.

Optional Life Coverage

• Optional Life Policy Qualification: If you qualify for a standard issue FLEXGUARD® Plus policy, without select benefit or exclusion riders, you are automatically eligible for up to $20,000 Whole Life or Term Life insurance.

Optional Life Coverage

• Optional Whole Life Policy (Policy Form SWL) or Term Life Policy (Policy Form RT10): You and/or your spouse can select either Whole Life or Term Life

insurance and choose a face amount from $1,000 up to $20,000. Tobacco/non-tobacco rates available.

Optional Life Coverage

• Optional Child Term Life Rider (Rider Form U4272): Available with the purchase of an adult Whole Life or Term Life policy. Choose $5,000 or $10,000 of coverage for children age 0-17.

Optional Life Coverage

United American stands on…

Stability — Meeting the life and health insurance needs of the public for over half a century.

Financial Strength —• A+ (Superior) financial strength rating

from A.M. Best (as of 06/06)

• AA “Very Strong” financial strength rating from Standard & Poor’s (as of 02/06)

Quality Protection — Insurance coverage to protect you and your family now and in years to come.

Superior Service — One-on-one personal service for the life of your policy, backed by Home Office support.

Why Should You Choose United American?

• Providing quality health protection since 1947

• Excellent ratings with A.M. Best and Standard & Poor’s

• Local offices

• Personal support (ability to speak with a live person, either Home Office staff or Agent)

• Individual qualification (not a group plan)

• Guaranteed renewable policies, as long as premiums are paid on time

• Issue age pricing

• Freedom of Choice

• Optional Discount Services Program helps drive down the cost of healthcare services

UA Partners® Program

• Dental • Vision • Hearing• Chiropractic • Prescription Drug • Vitamins & Nutritional

Supplements• 24-Hour Nurse HelpLine• Travel Assist*

Our optional discount services program includes discounts on:

UA Partners is not a health insurance policy. Members will receive discounts on medical services when they go to certain healthcare providers who are contracted with the plan. Members are solely responsible for payment of all healthcare services. No portion of any provider’s fee will be reimbursed or otherwise paid by the plan. This plan is administered by Best Benefits, Inc. 8420 Bryn Mawr, Suite 700, Chicago, IL 60631, www.FindBestBenefits.com.* Availability may vary by state.

0% 10% 20% 30% 40% 50%

Chiropractic

Dental

Eye Care

Hearing Aids

Prescriptions

Mail OrderPharmacy

20% to 40%

10% to 50%

20% to 50%

10% to 20%

Up to 30%

Save Even More Money

UA Partners® Program

Non-insurance discount services program with savings for:

Stability • Service • Quality • Commitment