Short Term Short Term MedicalMedicalTemporary Health InsuranceTemporary Health Insurancefor up to 12 Monthsfor up to 12 Months

Assurant Health is the brand name for products underwritten and issued by Assurant Health is the brand name for products underwritten and issued by Time Insurance Company and John Alden Life Insurance Company.Time Insurance Company and John Alden Life Insurance Company.

Short Term Medical Short Term Medical OverviewOverview

• Temporary health insurance for healthy people Temporary health insurance for healthy people

• Coverage for 1 to 12 months in most statesCoverage for 1 to 12 months in most states

• Coverage as early as the next dayCoverage as early as the next day

• Plans available in all but six statesPlans available in all but six states

Why Choose Assurant Why Choose Assurant Health?Health?

• Over 35 years in the Short Term Medical Over 35 years in the Short Term Medical

marketmarket

• Company’s sole focus is health insuranceCompany’s sole focus is health insurance

• Apply onlineApply online

• One family deductible on deductibles of $500+One family deductible on deductibles of $500+

• 100% coinsurance option on plans up to six 100% coinsurance option on plans up to six monthsmonthsin durationin duration

• Electronic policy delivery if desiredElectronic policy delivery if desired

Competitive AdvantagesCompetitive Advantages

• Coverage duration — exact number of days Coverage duration — exact number of days and up to 12 months and up to 12 months

• Extension of benefitsExtension of benefits

• Optional benefitsOptional benefits

— Life Insurance Life Insurance

— Accident Medical Expense (AME) Accident Medical Expense (AME)

— Dental Vision Discount PlanDental Vision Discount Plan

Competitive Advantages, Competitive Advantages, continuedcontinued

EligibilityEligibility

• Healthy individuals Healthy individuals

— Aged 30 days to 64 years, 11 monthsAged 30 days to 64 years, 11 months

• Dependent childrenDependent children

— Age 18 if unmarried, 24 if full-time Age 18 if unmarried, 24 if full-time student student (varies by state)(varies by state)

Who is Not Eligible?Who is Not Eligible?

• People who:People who: — Have been denied insurance due to any health reasons Have been denied insurance due to any health reasons

that are still presentthat are still present

— Are pregnant, an expectant parent, or in process of Are pregnant, an expectant parent, or in process of adopting or undergoing infertility treatmentadopting or undergoing infertility treatment

— Are over 300 lbs. if male, over 250 lbs. if femaleAre over 300 lbs. if male, over 250 lbs. if female

— Have seen a healthcare professional for any reason Have seen a healthcare professional for any reason other than preventive care in the last 30 daysother than preventive care in the last 30 days

— Answer “yes” to any medical question on applicationAnswer “yes” to any medical question on application

Eligibility questions vary by state.Eligibility questions vary by state.

Choose a PlanChoose a Plan

• Up to six monthsUp to six months

• Six to twelve monthsSix to twelve months

• Plan availability and duration Plan availability and duration

vary by statevary by state

FeatureFeature Plans up to Six MonthsPlans up to Six Months Plans up to 12 MonthsPlans up to 12 Months

Lifetime MaximumLifetime Maximum $2 million$2 million $2 million$2 million

Deductible Choices* Deductible Choices* $250$250

$500$500

$1,000$1,000

$2,500$2,500

$3,500$3,500

$500$500

$1,000$1,000

$2,500$2,500

$5,000$5,000

One Family DeductibleOne Family Deductible $500 and higher$500 and higher All deductiblesAll deductibles

Extension of Benefits Extension of Benefits Up to 12 months based on Up to 12 months based on hospitalization (In FL, totally hospitalization (In FL, totally disabled)disabled)

Up to 90 days based on Up to 90 days based on hospitalization (In FL, totally hospitalization (In FL, totally disabled)disabled)

Coinsurance Options* Coinsurance Options* 100/0100/080/2080/2050/5050/50

80/2080/20

50/5050/50

Transplant BenefitsTransplant Benefits $100,000$100,000 $100,000$100,000* Additional options are available on the Internet.* Additional options are available on the Internet.

Product ComparisonProduct Comparison

Highlights — Plans up to Six Highlights — Plans up to Six MonthsMonths

Your can create the plan that best fits your needs:Your can create the plan that best fits your needs:

1. Individual deductible choices:1. Individual deductible choices:$250; $500; $1,000; $2,500; $3,500$250; $500; $1,000; $2,500; $3,500

2. Individual coinsurance choices:2. Individual coinsurance choices:100%; 100%; 80%; 50%80%; 50%

3. Individual out-of-pocket maximum (OOP):3. Individual out-of-pocket maximum (OOP):$0 for 100% coinsurance$0 for 100% coinsurance$2,000 for 80% coinsurance$2,000 for 80% coinsurance$5,000 for 50% coinsurance$5,000 for 50% coinsurance

4. Individual stop loss4. Individual stop loss is always $10,000 is always $10,000

Benefits — Plans up to Six Benefits — Plans up to Six MonthsMonths

• $2 million lifetime maximum coverage $2 million lifetime maximum coverage

• Freedom to choose doctors and hospitals — Freedom to choose doctors and hospitals — not HMO or PPOnot HMO or PPO

• Discounted medical prices through PHCS Discounted medical prices through PHCS Provider NetworkProvider Network

• Prescription drug coveragePrescription drug coverage

Highlights — Plans up to 12 Highlights — Plans up to 12 MonthsMonths

Your can create the plan that best fits your needs: Your can create the plan that best fits your needs:

1. Individual per-policy deductible choices:1. Individual per-policy deductible choices:$500; $1,000; $2,500; $5,000$500; $1,000; $2,500; $5,000

Additional deductible options are available on the internet.Additional deductible options are available on the internet.

2. Individual coinsurance choices: 80%; 50%2. Individual coinsurance choices: 80%; 50%

4. Individual stop loss is $10,0004. Individual stop loss is $10,000

3.3. Individual out of pocket maximum (OOP):Individual out of pocket maximum (OOP): $2,000 for 80% coinsurance$2,000 for 80% coinsurance $5,000 for 50% coinsurance$5,000 for 50% coinsurance

Benefits — Plans up to 12 MonthsBenefits — Plans up to 12 Months

• $2 million lifetime maximum coverage$2 million lifetime maximum coverage

• Freedom to choose doctors and hospitals —Freedom to choose doctors and hospitals —not HMO or PPOnot HMO or PPO

• Discounted medical prices through PHCS Discounted medical prices through PHCS Provider NetworkProvider Network

• Prescription drug coveragePrescription drug coverage

Additional Benefits — Private Health Care Additional Benefits — Private Health Care SystemsSystems

• Receive medical Receive medical care at reduced care at reduced costs through PHCS costs through PHCS Healthy Directions Healthy Directions providersproviders

— www.phcs.comwww.phcs.com

— 1-800-357-68471-800-357-6847

• Medical consultations by phone 24 hours a dayMedical consultations by phone 24 hours a day

• Quick treatment for routine medical conditionsQuick treatment for routine medical conditions

• $35 flat fee per consultation$35 flat fee per consultation

• Two convenient contact methods:Two convenient contact methods:www.teladoc.com or or by phone (800-TELADOC)by phone (800-TELADOC)

Additional Benefits — TelaDocAdditional Benefits — TelaDoc™™

Registration and medical history disclosure must be completed prior Registration and medical history disclosure must be completed prior to to using TelaDoc services. TelaDoc is not an insurance product or using TelaDoc services. TelaDoc is not an insurance product or prescription fulfillment warehouse. TelaDoc consulting physicians do prescription fulfillment warehouse. TelaDoc consulting physicians do not prescribe not prescribe DEA-controlled substances. TelaDoc services are available for DEA-controlled substances. TelaDoc services are available for patients patients 10 years of age and older.10 years of age and older.

Plan ExclusionsPlan Exclusions

• Pre-existing conditionsPre-existing conditions

• MaternityMaternity

• Routine dental and visionRoutine dental and vision

• Routine physical examsRoutine physical exams

• Mental illness and substance abuseMental illness and substance abuse

• Coverage outside the U.S./Canada Coverage outside the U.S./Canada

(Plan exclusions vary by state)(Plan exclusions vary by state)

Hazardous Occupations and Hazardous Occupations and ActivitiesActivitiesCoverage is not available for injuries received while Coverage is not available for injuries received while

engaging engaging in any hazardous occupation or activity, such as:in any hazardous occupation or activity, such as:

• Intercollegiate sportsIntercollegiate sports• Parachute jumpingParachute jumping• Hang glidingHang gliding• Bungee jumpingBungee jumping• Flight in an aircraft other than a regularly scheduled Flight in an aircraft other than a regularly scheduled

flight by an airlineflight by an airline• Racing any motorized or non-motorized vehicleRacing any motorized or non-motorized vehicle• Rock or mountain climbingRock or mountain climbing• Any hazardous occupation where the insured is paid Any hazardous occupation where the insured is paid

to participate or paid to be an instructorto participate or paid to be an instructor

Payment OptionsPayment Options

• Single paymentSingle payment

• Monthly paymentMonthly payment

• We acceptWe accept— Check or money orderCheck or money order

— Credit cards (MasterCard or VISA)Credit cards (MasterCard or VISA)

— Auto check or savings debit (ACH)Auto check or savings debit (ACH)

Savings account via Internet onlySavings account via Internet only

Monthly Payment OptionMonthly Payment OptionPay As You GoPay As You Go

• When paying by the month, each payment covers 30 daysWhen paying by the month, each payment covers 30 days

• If first premium payment is by credit card or ACH:If first premium payment is by credit card or ACH:

— Future monthly payments will be automatically charged Future monthly payments will be automatically charged until the policy maximum is reached until the policy maximum is reached

• If first premium payment is by check:If first premium payment is by check:

— A sheet of coupons will be sent for additional monthsA sheet of coupons will be sent for additional months

Please note: 7-day advance notice is required to ensure future auto charges are stopped.Please note: 7-day advance notice is required to ensure future auto charges are stopped.

RequestedRequested Effective DateEffective Date

Coverage will Coverage will begin on the later of:begin on the later of:

• 12:01 a.m. the day of 12:01 a.m. the day of client’s requested date; orclient’s requested date; or

• 12:01 a.m. the day after 12:01 a.m. the day after the U.S. Post Office the U.S. Post Office postmark date, alternate postmark date, alternate carrier stamp date carrier stamp date (e.g., FedEx), or (e.g., FedEx), or meter datemeter date

Coverage will Coverage will begin on the later of:begin on the later of:

• 12:01 a.m. the day of 12:01 a.m. the day of client’s requested date; orclient’s requested date; or

• 12:01 a.m. the day after 12:01 a.m. the day after the U.S. Post Office the U.S. Post Office postmark date, alternate postmark date, alternate carrier stamp date carrier stamp date (e.g., FedEx), or (e.g., FedEx), or meter datemeter date

Choice Benefits Inc

(248) 687-8743 (Michigan)(248) 687-8743 (Michigan)

(480) 626-8089 (Arizona)(480) 626-8089 (Arizona)

APPLY ONLINE:APPLY ONLINE:

www.choicebenefits.infowww.choicebenefits.info

Thank you!Thank you!

This presentation provides summary information. Please refer to the insurance policies for actual terms and conditions.

© 2009 Assurant, Inc. All rights reserved.

J-65337 1/2009