Elite Portfolio Roth B Robertson

1. Elite PortfolioRoth B Robertson

2. Elite Portfolio Built on Familiar plans: • MaxPlan Elite • CoreMed Elite Plan • RightStart Elite Plan • OneDeductible Elite Plan • SaveRight HSA Elite Plan

3. Exclusive Features of Elite: • $25 million lifetime maximum benefitfor 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

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

5. Additional Product Enhancements: The Assurant Health Elite Individual Health Insurance Portfolio is further enhanced by IM product changes. • 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.

6. Elite Sample Rates: CoreMed, $5,000 Ded • 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

7. Elite Sample Rates: OneDeductible / HSA • 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

8. Elite Sample Rates: CoreMed, $3,500 Ded Note: 24 month rate guarantee available March 15 on $3,500 Deductible • 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