1. Supplemental insurance for individualsand groupsPresentation by Agent Michele Thompkins P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

2. Table of Contents Section Section Name 1. Medical Costs and Personal Bankruptcy 2. Financial Resources 3. Why Aflac 4. Thank You P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

3. Medical Costs and PersonalBankruptcy Facts Medical problems caused 62% of all personal bankruptcies filed in the U.S. in 2007, according to a study by Harvard researchers. And in a finding that surprised even the researchers, 78% of those filers had medical 62% of Average out- insurance at the start of their Cost of personal of-pocket cost illness, including 60.3% who had cancer carebankruptcies for cancer private coverage, not Medicare rose to caused by patients or Medicaid. $263.8 billion medical $1,266 per in 2010 expenses month P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

4. Daily Living Expenses Housing Major Medical may exclude: Copayments Deductibles Miscellaneous Food Missing wages Medical Stats Daily Long Term Hospital Stay Living Diagnosed Heart Disease or Diabetes Expenses Diagnosed with serious illness Less than $500 in Savings Transportation Utilities 13% 32% Health 29% 26% P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

5. Financial Resources Bank Family & Savings Employer Loans FriendsAflac is like a safetynet. It pays the billsthat major medical P: 555.123.4568 F: 555.123.4567doesnt. 123 West Main Street, New York, NY 10001 | www.rightcare.com

6. Why Aflac? Benefits In addition to major medical coverage, we also offer: Dental Insurance Short term disability and long-term disability Life InsuranceAflac is different from health Flexible Spending Accountsinsurance; Employee assistance program Aflac insurance policies offered to employees include:Major medical pays doctors and hospitals. Aflac is Cancer Insurance Hospital Intensive Careinsurance for daily living. It pays cash benefits directly to Hospital Confinement Indemnityyou, unless otherwise assigned, to help with daily Specified Health Event Accident Insuranceexpenses when your hurt or sick. Voluntary Group Term Life (VGTL) P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

7. Aflacs commitment WINGSPANCLAIMS HSA and HRA Programs Effects of Health Care Reform $2.1 Billion claims paid in 2010 Health care reform is intended to Allowing companies to provide ensure that Americans are protected by employees HSA and HRA creditable, comprehensive major qualified health insurance medical health insurance. policies while making administration of savings accounts and reimbursement Businesses with 50 employees orTURN AROUND arrangements easy. more, will face the decision to either 4 Days Claim Process provide health insurance to all of their employees voluntarily, or else pay a penalty of $2,000 per year, per full-time employee. Should even a single employee request government assistance in purchasing healthFEATURES insurance, his or her employer will be Renewable stuck paying the $2,000 for every Portable employee that it has. Directly Paid to Insured Paid regardless of other insurance P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

8. Policies Emergency Treatment Benefit Specific Sum Injuries Benefit Accident Accidental-Death Benefit Initial Hospitalization Benefit Guaranteed-renewable to age 75Short-Term Disability Benefits paid directly to insured, unless otherwise assigned Benefits paid regardless of any other insuranceHospital Confinement Annual Hospitalization Confinement Benefit Daily Hospital Confinement Benefits Surgical Benefit Indemnity Pays a first-occurrence Benefit, Hospital Confinement and Continuing Care for; Critical Care and Heart Attack Coronary artery bypass surgery Recovery Stroke Major Third-degree burns Deductibles Out-of-network specialists Cancer Experimental cancer treatment Travel and lodging when treatment is far from home Child care and household help Normal living expenses, such as your car payment, mortgage/rent and utility bills Attract and 100% Fits with other Easy to Retain Employee Paid benefits administer Employees P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

9. Business Enrollment Individual Options Enrollment Options We strive to make our enrollments a hassle-free Set an appointment experience for you and your employees. We offer the If you have ever been out of work following enrollment methods: because of an illness or accident, you One-on-One Employer Presentation 5 10 minutes know there are two things that are Set Date for employee presentation 10-15 minutes increasingly hard to come by: peace of Set Date for employee enrollment mind and cash. Our supplemental The Aflac agent will guide and assist employees in insurance policies help provide both. understanding the Aflac Group plans being offered. Not all policies may be available in all states.Enrollment Guidelines for Aflac Group Plans Individual Policies Accident Cancer/Specified Disease Critical Care & Recovery Dental Hospital Confinement Indemnity Hospital Intensive Care Life Juvenile Life Short Term Disability Vision P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 | www.rightcare.com

10. For your timeIndependent Agent Michele Thompkins P: 555.123.4568 F: 555.123.4567 | 123 West Main Street, New York, www.rightcare.com832-463-0525 | michele_thompkins@us.aflac.com Providing peace of mind NY 10001 |