added protection for your clients

Added Protection For Your Clients

TODAY’S AGENDA

• Washington National Products

• Individual Adult Dental

• Special Enrollment Period Qualifying Events

• Closing Remarks

2

Introducing Washington National Critical Illness, Accident and Life Insurance

CUSTOMER EXPERIENCE

• Offer our customers products & services beyond medical

‒ Deliver added value

‒ Provide an umbrella of financial protection

₋ Exceed customers base expectations

• For you – sales opportunities outside of open enrollment

4

PARTNERING WITH WASHINGTON NATIONAL

• Quality of their products

• Their ability to adapt well to our market needs

• Shared value on delivering the highest level of customer service

5

Rob Gasiorek Senior Sales Director, Washington National

WASHINGTON NATIONAL

7

• History back to 1911

‒ Group health plans for teachers

‒ Licensed in 49 states, PR, VI and Guam

• 1 million policyholders

‒ 5,000 independent agents

‒ 25,000 groups

• Strong market focus

‒ Middle-income Americans

‒ Supplemental health and life insurance

‒ Individual & Voluntary Worksite

‒ Cash Value

STRONG SALES RESULTS

2013 Sales Success

+15 Supp Health +2% over 2013 plan

Top 5 Voluntary Accident & Cancer Illness**

Percent Change

2012 Total Voluntary

WNIC 18%

Industry 7%

***LIMRA Worksite Marketing of Voluntary Products 3Q12

8

STRONG FINANCIALS*

*As of December 31, 2012

9

• CNO Financial Group (parent company)

• $34.8 billion assets

• Washington National

‒ $3.1 billion assets

‒ $2.7 billion policy reserves

‒ $609 million collected premium

‒ $390 million paid policy benefits

• A.M. Best: B++ rating

AM BEST

A.M. Best views the recent long-term care reinsurance

agreement with Beechwood Re and this current transaction, pending its closing, as a credit positive for CNO Financial

10

WASHINGTON NATIONAL

WNIC 528%

Risk Based Capital Ratio as of December 31, 2013

Financial condition and contractual obligations of CNO Financial

Group are separate from its subsidiaries.

11

PHILANTHROPIC EFFORTS

We go beyond the reach of our insurance products to partner with these hard-working organizations, including HOPE’s $100,000 endowment gift to the I.U. Foundation Simon Cancer Center and $100,000 endowment gift to the American Cancer Society:

12

WHAT MAKES US DIFFERENT?

• Long history in supplemental health industry

‒ Creates tremendous stability in rates

• Accident* & Critical Solutions Guaranteed Renewable for Life

• Minimal underwriting with knock-out questions on the application

‒ Point of sale knowledge of acceptance

• Critical illness policy that can meet every market’s needs

‒ Issue age 18-85

*Accident base policy only

13

MARKETING SUPPORT

14

15

16

17

18

QUESTIONS?

19

WASHINGTON NATIONAL CRITICAL SOLUTIONS

21

WHY CRITICAL ILLNESS POLICIES?

61% of costs are nonmedical

According to Harvard University study, 50% of personal bankruptcies filed in the U.S. are attributed to medical costs*.

75% of those had major medical coverage.*

The average cancer patient with health insurance incurs $712 in monthly bills for co-payments, prescription drugs and other expenses related to treatment.**

*Harvard study 2006, Dr. David Hammelstein ** “Cancers Growing Burden: The High Cost of Care”, USA Today, Feb 12, 2012

22

CRITICAL SOLUTIONS HELPS COVER EXPENSES

Insurance short fall

Deductibles

Co-payments

Benefit limitations

Special expenses

Transportation

Hotels

Special diets

Family care

Living expenses

House payments

Car payments

Utilities (gas/electrical)

Loss of income

Continues $ stream

23

CRITICAL SOLUTIONS FEATURES

• Issue ages 18 – 85; guaranteed renewable for life • 2 plans with three simple options

‒ Cancer only ‒ Heart attack, stroke, kidney failure only

‒ Combined cancer, heart attack, stroke and kidney failure • Benefit levels $10,000 – $70,000 • Can be sold with 50% or 100% Return of Premium • Simplified underwriting – 7 total questions. Answer NO and it’s a

GO. ‒ No Medical Information Bureau, prescriptions check, phone

interview, family history or medical records

‒ Less than 3-day turnaround

CRITICAL SOLUTIONS PLAN FEATURES

*Availability of benefits may vary by state

Critical Solutions Option A Option B

Lump Sum benefit

Wellness benefit

Hospital confinement

Consultation benefit

Radiation and Chemotherapy benefit

Return of Premium

24

FEATURES AND BENEFITS-PLAN A

Lump Sum Benefits

• $10,000 to $70,000

• First diagnosis of cancer, heart attack, stroke or kidney failure

• Payable once per insured

• Coverage for children $10,000

25

MONTHLY CRITICAL SOLUTION RATES (NON TOBACCO)

Cancer Only – Option A, Base Rates Annual Rates (without ROP)

Age $10,000 $30,000 $50,000

18-39 $246.00

50-59 $198.00 $594.00 $990.00

65-69 $318.00 $954.00 $1,590.00

80-85 $386.40 $1159.20 $1932.00

• Minimum allowable premium is $15 per month / $180 per year •Child rate $1.50 per month, covers all children $10,000 benefit

26

FEATURES AND BENEFITS-PLAN B

Hospital Confinement Benefit

• $200 per day, 1 to 30 days

• $400 per day, 31+ days

Consultation Benefit

• $250 after diagnosis

• One time benefit

27

Radiation

• $200 per day

• No monthly maximum, no lifetime maximum

Chemotherapy – injected by medical personnel

• $200 per day

• No monthly maximum, no lifetime maximum

Chemotherapy – self administered

• $200 per prescription

•Monthly maximum $1,600

• No lifetime maximum

28

FEATURES AND BENEFITS-PLAN B

Wellness Benefit

• $50 per year for cancer only or heart/stroke/kidney only

Wellness Benefit

• $100 per year combined cancer, heart/stroke/kidney

29

FEATURES AND BENEFITS-PLAN B

MONTHLY CRITICAL SOLUTION RATES (NON TOBACCO)

• Minimum allowable premium is $15 per month / $180 per year • Child rate $2.20 per month, covers all children $10,000 benefit

Cancer only – w/Option B, Base Rates Annual Rates (without ROP)

Age Option A, 30K Option B A + B Rate

18-39 $147.60 $64.80 $212.40

50-59 $594.00 $130.80 $724.80

65-69 $954.00 $165.60 $1119.60

75-79 $1119.60 $192.00 $1311.60

30

• 50% or 100% of premiums paid returned every 20 years less claims incurred or on the rider anniversary date following 75th birthday if that comes sooner.

100% Return of Premium example:

• If the insured begins a return-of-premium period age 66 or older, the return of premium period is every 10 years and one-half of returned premium amount.

RETURN OF PREMIUM RIDER

No Claim Claim Large Claim

Premium $ 7,200 $ 7,200 $ 7,200

Claim - $ 0 - $ 4,000 - $ 20,000

Returned Premium

$ 7,200 $ 3,200 $ 0

31

APPLICATION AND PAYMENT

32

• WNezApp – quick, efficient and all inclusive

• Paper application ‒ Submit via mail or fax

‒ Application and supporting documents on www.wnbizlink.com

• Effective date based on date the enrollment form is received in home office, unless otherwise requested ‒ 30-day waiting period

‒ Policy mailed directly to policyholder’s home address, unless the “mail to agent” box on the application is marked.

• Payment options ‒ Annual or Semi-annual - check or EFT

‒ Monthly – EFT only

SUMMARY

Kelly’s Top 14 reasons to sell Critical Solutions

#14 – Issue Ages 18 to 85

#13 – Simplified issue; Answer “No” and it’s a “Go”

#12 – 24 to 48 hours; submit to issue timeline

#11 – 2 cancer Q’s; 2 heart/stroke/kidney Q’s

#10 – Three ways to sell the product; C/HSK/Combined

# 9 – Liberal height/weight chart (used for heart only)

# 8 – Only 5-year look-back for cancer, heart, stroke

33

Kelly’s Top 14 reasons to sell Critical Solutions

# 7 – No Medical Information Bureau; Rx check; phone interview

# 6 – Unique Option B benefits increase persistency

# 5 – 50% and 100% Return of Premium

# 4 – Competitive & issue age rates.

# 3 – Lump sum amounts up to $70k per benefit category

# 2 – Increase your revenue - commissions paid weekly

# 1 – Because 13 is an unlucky number!

34

SUMMARY

QUESTIONS?

35

WASHINGTON NATIONAL ACCIDENTassure

WHY BUY ACCIDENTassure?

37

• Every second of the day, someone is disabled from an accidental injury in the U.S.*

• 78% of all accidents in the U.S. happen outside of the workplace.*

• 82% of all costs related to accidental injuries are nonmedical.*

*National Safety Council, Injury Facts, 2012 edition

ACCIDENTassure FEATURES

38

• Issue ages 18-69 ‒ Applies to main insured and spouse ‒ Children covered up to age 26 regardless of student status

• Composite rates, no age banding Individual ‒ Individual & spouse ‒ Individual & children ‒ Family

• Two levels offering three areas of benefits:

– Accidental Death and Dismemberment – Hospital / Doctor Indemnity – Specified Injury Benefits

• Simplified underwriting, short application

• Base plan covers accidents on & off the job, regardless of profession

ACCIDENT BENEFITS Benefit Level 1 Level 2

Hospital Confinement $ 300 $ 500

Intensive Care $ 600 $1,000

Ambulance – Ground $ 150 $ 250

Ambulance – Air $1,000 $1,500

Emergency Room $ 300* $ 500*

Doctor Visit Includes Chiropractor $ 30 $ 50

Family Lodging $ 100 $ 125

Blood and Plasma $ 100 $ 200

Physical Therapy $ 30 $ 50

Medical Imaging CT, MRI, EEG $ 150 $ 200

This is not a complete listing. Check Agent Guide for complete list of accident benefits. *Separate child benefit.

39

SPECIFIED INJURY BENEFIT SCHEDULE

This is not a complete listing. Check Agent Guide for complete list of accident benefits.

Covers 14 different fracture types

Benefit Level 1 Level 2

Hip or thigh $2,400 $3,200

Leg $1,500 $2,000

Foot, ankle or kneecap $1,200 $1,600

Forearm or hand $1,200 $1,600

40

Covers 9 different dislocation types

Injury Type Level 1 Level 2

Hip $2,200 $3,000

Knee (not kneecap) $1,600 $2,100

Shoulder $1,200 $1,600

• This is not a complete listing. Check Agent Guide for complete benefit schedule.

41

SPECIFIED INJURY BENEFIT SCHEDULE

Lacerations

Benefit Level 1 Level 2

More than 5 inches $300 $400

2 to 5 inches $150 $200

Up to 2 inches $75 $100

This is not a complete listing. Check Agent Guide for complete list of accident benefits.

42

SPECIFIED INJURY BENEFIT SCHEDULE

Covers 5 different surgeries

Benefit Level 1 Level 2

Tendon or ligament

Single $600 $800

Multiple $900 $1,200

Ruptured disc

During first year of coverage $150 $200

After first year of coverage $600 $800

Torn cartilage

During first year of coverage $150 $200

After first year of coverage $300 $400

This is not a complete listing. Check Agent Guide for complete list of accident benefits.

43

SPECIFIED INJURY BENEFIT SCHEDULE

Benefit Level 1 Level 2

Paraplegia $5,000 $10,000

Quadriplegia $6,250 $12,500

This is not a complete listing. Check Agent Guide for complete list of accident benefits.

Paralysis

Benefit Level 1 Level 2

Second –or third degree burn $900 $1,200

Burns

44

SPECIFIED INJURY BENEFIT SCHEDULE

ACCIDENTAL DEATH & DISMEMBERMENT

Accidental Death Benefit Level 1 Level 2

Policyholder or Spouse $50,000 $75,000

Child or Children (to age 26) $12,500 $18,750

Dismemberment Schedule For Policyholder or Spouse

(separate schedule for children)

Level 1

Level 2

Finger or Toe $1,250 $ 2,000

More Than Finger or Toe $1,500 $ 2,500

Eye, Hand, Foot, Arm, Leg $7,500 $12,000

45

This is not a complete listing. Check Agent Guide for complete list of accident benefits.

ACCIDENTassure – OPTIONAL RIDER

• Physician’s Office Additional Benefit Rider

‒ Payable two ways

• $200 benefit designed to cover non-emergency room injuries not covered in base policy

• Physician’s office benefit is paid along with other benefits that are covered in the base policy, this rider pays an additional $50 instead of $200

46

PHYSICIAN’S OFFICE BENEFIT RIDER

Injury Cause

Treatment

Diagnosis

Benefit

Amount

Fall Doctor office visit, x-ray (to determine if bone is

fractured), pain medication

Arm pain and NO fracture

• Physician’s office visit • Physician’s office

additional benefit rider

• $50 • $200

Fall Doctor office visit, x-ray (to determine if bone is

fractured and then set correctly), cast, sling, pain

medication

Arm pain

and fracture

• Physician’s office visit • Physician’s office

additional benefit rider • Fracture

• $50 • $50

• $1,600

Example

47

ACCIDENTassure – OPTIONAL RIDERS

• Public Safety Rider

‒ $2000 for one gunshot wound received from conventional firearm while in the line of duty

‒ Public sector law enforcement officers, correctional officers, probation and parole officers, EMTs, TSAs, paramedics & firefighters

‒ Policyowner only

‒ Treatment received within 24-hour period

48

• Return of Premium Rider

‒ 100% premiums paid returned every 20 years minus claims incurred or on the rider anniversary date following 75th birthday if that comes sooner.

‒ If the insured begins a return-of-premium period aged 66 or older, the return of premium period is every 10 years and one-half of premiums paid.

49

ACCIDENTassure – OPTIONAL RIDERS

RETURN OF PREMIUM RIDER

Example100%

50

No Claim Claim Large Claim

Premium $ 9,600 $ 9,600 $ 9,600

Claim - $ 0 - $ 2,000 - $ 20,000

Returned Premium

$ 9,600 $ 7,600 $ 0

ACCIDENTassure – RATE EXAMPLES

Monthly Rates, Base Plan – Same rates ages 18-69

Without Return of Premium

Benefit Level 1 Level 2 Physician Rider

Public Safety Rider

Individual $17.30 $26.80 $1.40 $1.60*

Individual & Child $23.60 $36.60 $2.90 $1.60*

Individual & Spouse $23.20 $36.00 $2.20 $1.60*

Family $31.20 $48.40 $3.90 $1.60*

51

*Rider available to policyholder only

Monthly Rates, Base Plan – Same rates ages 18-69

With Return of Premium

Benefit Level 1 Level 2 Physician Rider

Public Safety Rider

Individual $27.70 $42.90 $2.20 $2.60*

Individual & Child $37.80 $58.60 $4.60 $2.60*

Individual & Spouse $37.10 $57.60 $3.50 $2.60*

Family $49.90 $77.40 $6.20 $2.60*

52

*Rider available to policyholder only

ACCIDENTassure – RATE EXAMPLES

ACCIDENTassure - UNDERWRITING

• 3 simple questions for the base policy

‒ Are you replacing any accident policy either with Washington National or another carrier?

‒ Do you own any accident, hospital indemnity and/or disability insurance which is not being ended?

‒ Within the past 5 years have you been convicted of a felony, reckless driving or driving under the influence of drugs or alcohol?

53

• Cannot own more than one accident product from Washington National

• Can own Level 1 or 2, but not both

• No individual may own more than $1,000 per day of hospital confinement from any combination of carriers

‒ Other Accident and Hospital Indemnity policies count, Major Medical plans do not count

‒ Divide confinement benefit by 5 to determine per day benefit (i.e. $1,000 per confinement = $200/day benefit)

• Intensive Care Unit confinement benefits limited to $1,500 per day

54

ACCIDENTassure - UNDERWRITING

APPLICATION AND PAYMENT

• WNezApp – quick, efficient and all inclusive

• Paper application ‒ Submit via mail or fax

‒ Application and supporting documents on www.wnbizlink.com

• Effective date based on date the enrollment form is received in home office, unless otherwise requested ‒ Policy mailed directly to policyholder’s home address, unless the

“mail to agent” box on the application is marked.

• Payment options ‒ Annual or Semi-annual - check or EFT

‒ Monthly – EFT only

55

SUMMARY Top 14 reasons to sell ACCIDENTassure

#14 – Issue Ages 18 to 69, guaranteed renewability

for Life

#13 – Answer “No” and it’s a “Go”

#12 – No health Q’s on the base Accident plan

#11 – Only knockout is felony, reckless driving, DUI

#10 – Use Ezapp & submit to issue is only 24 to 48 hours

# 9 – Commissions paid weekly

# 8 – Benefits & rates VERY competitive; composite rates

56

# 7 – Return of premium options

# 6 – Two Levels of product available

# 5 – ER benefit stands out vs. competition

# 4 – No coordination of benefits; claims paid to client

# 3 – Three categories of benefits

# 2 – Benefits paid at scheduled amount; not up to

And the #1 reason:

# 1 – Because your clients will thank you!

57

SUMMARY

QUESTIONS?

58

WASHINGTON NATIONAL LIFEassure

WHY LIFE INSURANCE?

Life Insurance protects survivors by covering losses that can’t easily be replaced, such as income and lifestyle.

Yet:

• Thirty percent of U.S. households have no life insurance at all; only 44 percent have individual life insurance.

• Fifty percent of U.S. households (58 million) say they need more life insurance.

• The average amount of coverage for U.S. adults has declined, down $30,000 from the average coverage in 2004.

• 4 in 10 households with children under 18 now include a mother who is either the sole or primary earner for her family yet, among women who have life insurance, their coverage is only 69 percent of the average coverage on men.

Source: LIMRA – Facts About Life 2013

60

LIFEassure FEATURES AND BENEFITS

• Two plan options – Unique level-premium to-age-65 plan, issue ages 18–55 – Traditional Level-premium 15-year plan, issue ages 18–65

• Coverage amounts – $10,000 - $250,000

• Premiums – Unisex; issue-age rated – Tobacco use

• Riders — Optional Return of Premium benefit — Accelerated Benefit Rider for Terminal Illness (no cost – auto added) — Children’s level term insurance - $10,000 — Accidental death benefit — Critical illness — Total and Permanent Disability Benefits Waiver of Premium

61

FEATURES AND BENEFITS • Level-premium 15-year term plan

– Premiums are level for the full 15-year term based on issue age – After 15 years, full coverage may be kept in force at a premium rate that

increases annually, up to age 98

• To-age-65 term plan – Coverage until age 65 with level premiums based on issue age – At age 65 full coverage may be kept in force at a premium rate that

increases annually, up to age 98

• Return of Premium Option – Provides a 50% refund of base policy premiums at the end of the term – If cancelled before end of the term, premium cash value is based on a

schedule stated in the policy

62

LIFEassure TERM TO-AGE-65 WITH RETURN OF PREMIUM

Non-Tobacco

Insurance Amount

Age Monthly Premium

To-age-65 Reduced paid-up Cash Value Extended Term

To-age-65 to-age-98 At-age-65 Insurance

25 $28.17 $100,000 $14,697 $6,761 4 years, 309 days

35 $40.67 $100,000 $15,914 $7,321 5 years, 81 days

45 $81.08 $100,000 $21,150 $9,730 6 years, 290 days

Guaranteed

Paid-up life insurance to-age-98

High Ins Amount To-Age-65

63

WASHINGTON NATIONAL ASSURE TERM TO-AGE-65 WITH ROP

If policy owner terminates policy before age 65, 3 options

Policy Year

End of Year Age

Return of Premium Cash Value

Paid-up Life Insurance Amount

Extended Term Insurance Period

10 45 $391 $1,677 1 Yr 326 Days

20 55 $2,929 $8,745 5 Yrs 61 Days

30 65 $7,321 $15,914 5 Yrs 81 Days

Guaranteed

Issue age 35, Nontobacco $100,000 face amount, $40.67 monthly premium

64

LIFEassure RIDERS

• FREE Accelerated Benefit Rider for Terminal Illness (N/A in WA)

– Advances up to 50% of the policy’s face amount if an insured is diagnosed as terminally ill

– Will reduce face amount – Issued automatically with base policy

• Children’s Level Term Insurance – Covers $10,000 on all eligible children – Requires the same health questions as adults – Covers newborns after15 days without Evidence of Insurability – Can be added to employee or spouse policy but not both – Continues to child’s age 23 or insured’s age 65, whichever comes first – Can be converted for up to 5 times the rider’s face without Evidence of

Insurability

65

• Accidental Death Benefit (N/A in WA)

– Pays an additional 100% of policy’s face amount, up to $150,000 if the insured dies from a covered accident on the road, at work, or home

• Critical Illness (N/A in WA)

– Is built off of the Washington National Critical Solutions® product

– Pays a one-time $5,000 lump-sum benefit

– Covers heart attack, stroke, cancer and end-stage renal failure

– Is a standalone benefit doesn’t impact base policy’s face amount

– Requires NO additional underwriting or health questions

– Has a 30-day waiting period (If a critical illness occurs during first 30 days of coverage, no benefits are provided and the rider premium is refunded)

• Total and Permanent Disability Benefits Waiver of Premium – Waives monthly policy premiums when the insured is totally and

permanently disabled for six months until recovery or reaches age 60

66

LIFEassure RIDERS

AFFORDABLE PREMIUMS

Face amount: $100,000 Age 35 Nontobacco Monthly

Premium

Level premium To-age-65

Level premium 15-year

Benefit With ROP Without ROP With ROP Without ROP

Base Plan $40.67 $30.25 $34.83 $23.17

Children's Term Insurance rider $6.25 $6.25 $6.25 $6.25

Disability Waiver of Premium rider $1.57 $1.17 $1.35 $0.90

Accidental Death Benefit rider $9.17 $9.17 $9.17 $9.17

Critical Illness rider $5.42 $5.42 $5.42 $5.42

Guaranteed

67

DOES YOUR CLIENT QUALIFY FOR COVERAGE?

• Cannot be employed by an excluded industry (see agent guide) • Cannot be an active military employee

68

EVIDENCE OF INSURABILITY 2 SIMPLE LEVELS

Level based on face amount and age

Age Level 1 EOI Level 2 EOI

Up to 50 Up to $150,000 Greater than $150,000

51–55 Up to $100,000 Greater than $100,000

56–60 Up to $75,000 Greater than $75,000

61+ Up to $50,000 Greater than $50,000

69

EVIDENCE OF INSURABILITY UNDERWRITING REQUIREMENTS

Level 1 Level 2

Tobacco usage question Tobacco usage question

Health questions Health questions

Medical Information Bureau Medical Information Bureau

Discretionary personal health interview Personal health interview

Discretionary prescription history check Prescription history check

At home vein draw (ordered by WN)

70

PERSONAL HISTORY INTERVIEW

• Preparation for the call

– Primary physician and specialist names, addresses, phone numbers

– Dates and reasons for past visits

– Names and dosages of all prescribed medications

• 15 minutes

71

LIFEassure APPLICATION & PAYMENT • Paper application ONLY

– Submit via mail or fax

– Application on www.wnbizlink.com

• Effective date based on issuance date unless requested otherwise on the application

– Policy mailed directly to policyholder’s home address

• Payment options

– Annual, Semi-annual or quarterly - check or EFT

– Monthly – EFT only

• Convertability provision allows policy owner to convert to permanent policy without providing insurability

– Must be exercised prior to the earlier of the end of the level premium term or attained age of 70.

72

QUESTIONS?

73

SELLING WASHINGTON NATIONAL PLANS

CONTRACTING AND APPOINTMENTS

• Separate appointment with Washington National

• Online appointment process

‒ washingtonnational.com/ezappoint

• Two steps

‒ Agency level

‒ Agent level

• Letter with detailed instructions mailed early May

75

• Order marketing materials and supplies • Co-branded brochures • View commission statements • Download forms • Check status of pending business • Washington National News

76

COMMISSIONS

• Commissionable premium collected x commission rate = commissions earned

• Paid weekly (file transmitted to bank each Monday)

• Paid through electronic funds transfer (EFT)

• Minimum payment is $25

• Commission statements online by 8 a.m. EST each Monday at wnbizlink.com

77

78

CRITICAL SOLUTIONS COMMISSION

• Base Critical Illness – ages 18-64 ‒1st year: 45% ‒Years 2-8: 5% ‒Years 9+: 5%

• Base Critical Illness – ages 65-85 ‒ 1st year: 45% ‒ Years 2-8: 5% ‒ Years 9+: 5%

• With Return of Premium – ages 18-64 ‒ 1st year: 45% ‒ Years 2+: 0%

• With Return of Premium – ages 65-74 ‒ 1st year: 45% ‒ Years 2+: 0%

79

ACCIDENTassure COMMISSION

• Plan 1 ‒ 1st year: 37% ‒ 2+: 5%

• Plan 2 ‒ 1st year: 45% ‒ Years 2+: 5%

80

LIFEassure COMMISSION

• No Return of Premium – ages 18-65 ‒1st year: 65% ‒Years 2-10: 1% ‒Years 11+: 0.5%

• With Return of Premium – ages 18-59 ‒ 1st year: 65% ‒ Years 2-10: 1% ‒ Years 11+: 0.5%

• With Return of Premium – ages 60-65 ‒ 1st year: 50% ‒ Years 2-10 : 0.5% ‒ Years 11+: 0.25%

WASHINGTON NATIONAL BONUS PROGRAM

Earn a $50 bonus for your first issued policy!

Then earn an extra $100 bonus for every $3,500 in net annual premiums

through December 31, 2014

81

Washington National retains the right to extend, terminate or modify this program at any time. You must be active and in good standing at the time of payout. This program applies only to qualifying assigned agents. For agent information only. This information should not be distributed to the public or used in any solicitation.

82

INTRODUCING INDIVIDUAL PREFERRED ADULT DENTAL

• Product and rates

• Network

• Enrollment process

• Member communications

• Producer compensation

PREFERRED ADULT DENTAL PLANS

Pending DOI approval

84

WHY DENTAL?

• Customer experience

• Specific request by you and consumers

‒ Low and high benefit option

‒ Statewide network

• Offer products and services that exceed customer base expectation … and in this case, help manage overall health

• Another measure of financial protection

Pending DOI approval

85

PREMERA DENTAL PRODUCT • Two Options

‒ $50 Individual Deductible

‒ $75 Individual Deductible

• Preventive Services

– No waiting periods, no deductibles

• Basic Services

– No waiting periods

• Major Services

– 12-month waiting period

– Waived for Premera group members

86

PREFERRED ADULT DENTAL PRODUCT DESIGNS

Sample Benefits (Detailed benefits / codes will be provided)

Deductible: $50 Ind/$150 Fam $1,000 Annual Maximum

Deductible: $75 Ind/$225 Fam $1,500 Annual Maximum

In-Network Out-of-Network In-Network Out-of-Network

Preventive Services (No deductible)

Exams - 2 per calendar year

10% 20% 0% 20% Bitewing X-rays

Fluoride (Under the age of 20)

Cleanings – 2 per calendar year

Basic Services (Deductible applies)

One surface amalgam filing

30% 40% 20% 40% One surface composite filing

Space Maintainer – fixed unilateral

Major Services (Deductible applies) 12-Month Waiting Period

Root scaling and planing – Per quadrant

60% 60% 50% 50% Root canal, anterior tooth

Crown – Porcelain fused to high noble

87

DENTAL RATES Per Member

Age $50 Deductible $75 Deductible

19-25 $44 $64

26-34 $53 $79

35-44 $53 $79

45-49 $56 $82

50-54 $56 $83

55-59 $58 $86

60-64 $65 $97

65+ $65 $97

88

RATE EXAMPLE MEDICAL WITH DENTAL

Preferred Select Bronze $5,500

Dental $75 Deductible

Total

25 $319.00 $64.00 $383.00

35 $388.00 $79.00 $467.00

45 $458.00 $82.00 $540.00

Preferred Select Silver $3,000

Dental $50 Deductible

Total

25 $373.00 $44.00 $417.00

35 $454.00 $53.00 $507.00

45 $536.00 $56.00 $592.00

89

DENTAL NETWORK

Borough Dental Offices Unique Dentists

Aleutians West 2 2

Anchorage 200 152

Bethel 3 3

Bristol Bay 2 2

Dillingham 5 5

Fairbanks North Star 41 40

Juneau 8 8

Kenai Peninsula 22 21

Ketchikan Gateway 5 5

Kodiak Island 4 4

Matanuska Susitna 56 56

Sitka 2 2

Valdez Cordova 1 1

Total 351 301

90

ENROLLMENT & ELIGIBILITY Current Premera Medical Members (metallic, grandfathered or grandmothered)

• Initial enrollment opportunity – July 1 and August 1, 2014 effective date – Accepting applications up to 07/1/14 – Paper process

• Next opportunity January 1, 2015

New Sales • Available with medical at point of sale

– Opportunity again on January 1 or July 1

Eligibility • Members age 19 and over

– Common enrollment required; available only with medical

• Cancellation policy – 12 month waiting period plus next open enrollment

91

PRODUCER COMPENSATION

Dental Commission

$3.00 per member per month

Pending DOI approval

92

QUESTIONS?

93

SPECIAL ENROLLMENT QUALIFYING

EVENTS FOR MEDICAL

Exchange website: http://www.healthcare.gov

95

YOUR SALES & SERVICE TEAM

Sales Executive Contact Information Nancy Valdez Work: 907-677-2406 Cell: 907-306-6037 Email: nancy.valdez@premera.com

Producer Support Contact Information Katie Dalton, Phone#: 425-918-6270 Team Lead Email: katie.dalton@premera.com

Producer Support Contact Information Laura Binder Phone#: 877-205-9725, Option 3 Lucy French Email: producer.support@premera.com Nicole Goodspeed

96