Cancer and Heart/Stroke plans

1. Cancer and Heart/Stroke plans Assurant Supplemental Coverage Available for clients through age 64 in AL, AR, LA, MI, MO, MS, OK, TX, WI and WV for effective dates starting May 13, 2012 For agent use only THIS POLICY PROVIDES LIMITED BENEFITS

2. Why Cancer and Heart/Stroke coverage? • More than 1.6 million U.S. residents will be diagnosed with cancer this year (American Cancer Society, Facts and Figures 2012) • Somebody in the U.S. has a heart attack every 34 seconds (Centers for Disease Control and Prevention, Heart Disease Fact Sheet, 2010) • Medical bills cause more than 60% of U.S. bankruptcies (American Journal of Medicine, 2009) Assurant Supplemental Coverage

3. Why Cancer and Heart/Stroke coverage? • Even with the best medical insurance, a life-threatening illness is costly for clients • Medical plan deductible/coinsurance can easily total $5,000 to $10,000 • Lengthy illness could mean loss of work time and wages • Household bills pile up • Alternative and some other treatments may not be covered by major medical insurance • Cancer and Heart/Stroke coverage provides help when it’s most needed, so clients and their families won’t be burdened with bills Assurant Supplemental Coverage

4. Introducing Assurant Supplemental Coverage Cancer and Heart/Stroke plans • With Cancer and Heart/Stroke, your clients pay for only the conditions they’re most worried about • You and your clients can trust Assurant Health’s 120 years* in health insurance — experience and expertise you won’t find anywhere else • Easy integration — just click to add Cancer and Heart/Stroke to an Assurant Health major medical or fixed-benefit plan! *Assurant Health is the brand name for products underwritten and issued by Time Insurance Company (est. 1892). Assurant Supplemental Coverage

5. Simple • Save time and integrate plans with just one click — only from Assurant Health! • Add Cancer and Heart/Stroke in a single process, with no more than two additional questions for cancer and four questions for heart/stroke • Plan pays a lump-sum cash benefit upon life-threatening diagnosis, when it’s most needed • Plan pays cash benefits per covered person Assurant Supplemental Coverage

6. Flexible • Clients choose coverage for cancer only, heart/stroke only, or both — paying for only those conditions they’re most concerned about • Underwriting is separate; i.e., clients can buy Heart/Stroke plan even if they’ve had cancer • Plan pays regardless of any other coverage in force • Clients choose any doctors and treatments they wish • Clients use the cash however they want • Pay medical plan deductible and coinsurance • Replace lost income • Pay household bills • Seek experimental treatment Assurant Supplemental Coverage

7. Affordable • Clients pay for only the conditions they worry about most • Clients choose a benefit level ($10,000 to $75,000) to suit their needs and budget • One rate for any number of children In LA, coverage may be purchased for individuals only, not spouses or families. Assurant Supplemental Coverage

8. Cancer and Heart/Stroke benefits

9. Benefit payments for Cancer • Cancer and Heart/Stroke plans pay for life-threatening conditions, when policyholders need help most • For cancer only, policyholder receives the full cash benefit upon diagnosis of life-threatening cancer Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

10. Benefit payments for Heart/Stroke • Heart/Stroke benefits depend on medical event • 100% benefit for heart attack or stroke • Partial benefits paid for other conditions; policyholder still protected by benefit remainder Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

11. Benefit payments for Cancer and Heart/Stroke • Clients purchasing Cancer and Heart/Stroke coverage receive 100% benefits for life-threatening cancer and heart attack or stroke* • If client receives partial Heart/Stroke benefits, he or she is still protected by benefit remainder *Specific conditions listed on slide 10. Waiting periods apply for Cancer and Heart/Stroke benefits in most states. Where waiting periods do not apply, benefit payments will be reduced for a limited time. Assurant Supplemental Coverage

12. Benefit payment example Susan buys a $50,000 Cancer and Heart/Stroke plan covering herself, her spouse and her two children. She is diagnosed with life-threatening cancer. • She receives a $50,000 lump-sum payment upon diagnosis • She is eligible to receive another $50,000 in benefits if she’s diagnosed with a condition covered by her heart/stroke benefits • Since benefits are paid per person, Susan’s husband and children are still eligible to receive their own cancer and heart/stroke benefits Example is for illustration purposes only Assurant Supplemental Coverage

13. Benefit payment example 2 John buys a $25,000 Heart/Stroke plan. He’s diagnosed with coronary artery disease. • If John’s coronary artery disease results in a heart attack, he receives a $25,000 lump-sum payment (100% of $25,000); this ends his policy. • If John’s coronary artery disease results in coronary artery bypass, he receives $6,250 (25% of $25,000). He is eligible to receive the remaining 75% for another, different heart/stroke diagnosis. • If John’s coronary artery disease results in coronary angioplasty, he receives $2,500 (10% of $25,000). He is eligible to receive the remaining 90% for another, different heart/stroke diagnosis. Example is for illustration purposes only Assurant Supplemental Coverage

14. Easy Cancer and Heart/Stroke integration and sales

15. Add Cancer and Heart/Stroke to major medical • Most major medical plans include high deductibles, limits and other costs that can add up • Cancer and Heart/Stroke helps pay costs so clients can concentrate on getting well Assurant Supplemental Coverage

16. More protection for less money • Adjust major medical plan to higher deductible • Add Cancer and Heart/Stroke for additional benefits • Your client receives valuable protection at less total cost • You receive more commission Plan shown is OneDeductible with 100% coinsurance and Cancer and Heart/Stroke plan for male with standard rating, age 40, non-tobacco user in ZIP 78721. Numbers have been rounded. Assurant Supplemental Coverage

17. Add Cancer and Heart/Stroke to Assurant Health Access • Pair two affordable plans for a package of benefits • Assurant Health Access pays fixed benefits plus Cancer and Heart/Stroke coverage pays cash • Clients receive lump sum to help alleviate worry about paying for back-end costs • Inpatient and outpatient treatment • Rehabilitation costs • Non-medical costs like travel, mortgage/rent, gas and food Assurant Supplemental Coverage

18. Two affordable plans and extra benefits • Sell Assurant Health Access Value plan • Add Cancer coverage • Your client receives help with everyday health expenses + extra cash for life-threatening cancer • You receive significantly more commission Plan shown is Assurant Health Access Value plan and Cancer plan for male, age 40, non-tobacco user in ZIP 78721. Numbers have been rounded. Assurant Supplemental Coverage

19. Why sell Cancer and Heart/Stroke? Substantial commission! Assurant Supplemental Coverage

20. Cancer and Heart/Stroke affordable rates

21. Cancer and Heart/Stroke sample rates Individual rates are for non-tobacco users in TX. Family rates are for primary, spouse and children (any number), non-tobacco users in TX. Assurant Supplemental Coverage

22. Easy sales process

23. Just click to add • Assurant Health exclusive: just a click to add Cancer and Heart/Stroke to CoreMed, OneDeductible or Assurant Health Access applications • Clients answer no more than six additional questions for Cancer and Heart/Stroke coverage • If selling standalone, no more than six application questions and easy submission • More than 80% of submissions receive immediate response Assurant Supplemental Coverage

24. Only 2 medical questions for Cancer Assurant Supplemental Coverage

25. Only 4 medical questions for Heart/Stroke Assurant Supplemental Coverage

26. Edelivery: your clients’ electronic file cabinet Your clients may choose electronic delivery of policy information • Clients receive materials more quickly • Clients access policy materials online — no more filing or struggling to find papers • Save paper to help the planet • Walk through your clients’ e-policy with them to build your relationship Assurant Supplemental Coverage

27. Covered condition definitions and plan exclusions

28. Cancer and Heart/Stroke covered conditions Cancer and Heart/Stroke covered conditions and plan exclusions Cancer and Heart/Stroke coverage provides benefits for cancer; coronary artery disease or cardiac arrhythmia resulting in heart attack; coronary artery disease or cardiac arrhythmia resulting in coronary artery bypass; coronary artery disease resulting in coronary angioplasty; and cerebrovascular disease resulting in stroke. Definitions of covered conditions Cancer 1. A malignant tumor, including an in situ, and hematopoietic malignancy for which any of the following is recommended by your health care practitioner: a. Radiation; b. Chemotherapy; or c. Immunotherapy; or d. Complete excision of an internal organ without need for further treatment; or 2. Any metastatic cancer for which no therapy is recommended. For purposes of this policy, cancer does not include: Non-invasive dermatologic carcinomas (basal cell carcinoma [BCC], squamous cell carcinomas [SCC], melanoma in-situ), cervical carcinoma in situ or other premalignant conditions such as myelodysplastic and myeloproliferative disorders, leukoplakia, hyperplasia; or An incidental pathological diagnosis found following surgical excision of an organ unless additional chemotherapy, radiation therapy and/or immunotherapy is recommended. Assurant Supplemental Coverage

29. Covered conditions, cont. Heart coverage: Coronary artery disease: acute coronary occlusion, coronary atherosclerosis, aneurysm and dissection of the heart, and coronary atherosclerosis due to lipid rich plaque. Cardiac arrhythmia: cardiac dysrhythmias, paroxysmal supraventricular tachycardia, paroxysmal ventricular tachycardia, atrial fibrillation and flutter, and ventricular fibrillation and flutter. Heart attack: a myocardial infarction resulting in the death of an area of the heart muscle due to insufficient blood supply to that area. The basis of the diagnosis must include: • serial measurements of cardiac biomarkers showing a pattern and level consistent with an acute myocardial infarction; and • new electrocardiographic changes consistent with acute myocardial infarction. For the purposes of this policy, heart attack does not include: 1. Any other disease or injury involving the cardiovascular system; 2. A cardiac arrest that is not caused by myocardial infarction. Coronary artery bypass: a procedure which uses a saphenous vein or internal mammary artery graft to surgically bypass obstructions in a native coronary artery or arteries to treat coronary artery atherosclerosis. Coronary artery bypass does not include balloon angioplasy, laser relief of obstruction or any other intra-arterial procedures. Coronary angioplasty: an interventional procedure to widen or unblock the right coronary artery; left main stem; left anterior descending; or circumflex artery. Assurant Supplemental Coverage

30. Covered conditions, cont. Stroke coverage: Cerebrovascular disease: subarachnoid hemorrhage, intracerebral hemorrhage, occlusion and stenosis of precerebral arteries, and occlusion of cerebral arteries. Stroke: brain tissue infarction due to acute cerebrovascular incident, embolism, thrombosis or hemorrhage. The basis of the diagnosis must include imaging documentation of new brain tissue infarction in association with acute onset of symptoms consistent with central nervous system neurological damage. For the purposes of this policy, stroke does not include: 1. Transient ischemic attacks (TIAs). 2. Transient global amnesia (TGA). 3. External trauma causing accidental injury to the brain. 4. Brain damage due to infection, vasculitis, encephalopathy and inflammatory disease. 5. Ischemic disorders of the vestibular system. Assurant Supplemental Coverage

31. Pre-existing condition limitation A pre-existing condition is not eligible for benefits unless the first-ever diagnosis occurs after the pre-existing condition limitation period has expired. We will not pay benefits for specified diseases that are, result from or are related to a pre-existing condition diagnosed within the first 12 months this plan is in force. Definition of pre-existing condition (varies by state) A specified disease: • For which medical advice, consultation, care or treatment was sought, received or recommended from a provider or prescription drugs were prescribed during the 24-month period immediately prior to the covered person’s effective date, regardless of whether the condition was diagnosed, misdiagnosed or not diagnosed; or • That produced signs or symptoms during the 24-month period immediately prior to the covered person’s effective date. The signs or symptoms were significant enough to establish manifestation or onset by one of the following tests: • The signs or symptoms reasonably should have allowed or would have allowed one knowledgeable in medicine to diagnose the condition; or • The signs or symptoms reasonably should have caused or would have caused an ordinarily prudent person to seek diagnosis or treatment. Assurant Supplemental Coverage

32. Cancer and Heart/Stroke exclusions This plan provides benefits for specified diseases (listed earlier) identified in the benefit schedule. We will not pay benefits for claims resulting, whether directly or indirectly, from specified diseases related to or resulting from any of the following: • Any disease the covered person was diagnosed with prior to the effective date of this policy. • Any disease first diagnosed in the applicable benefit waiting period (as shown in the benefit schedule) immediately following the policy effective date. In such event, we will terminate the covered person’s coverage under this policy and refund the premium paid for that coverage. • Arrhythmia resulting in heart attack in association with use of an illegal drug or controlled substance, except when administered with advice of the covered person’s health care practitioner. • Any amount in excess of any maximum benefit. • Diseases or conditions that do not meet the definition of a specified disease in this plan. • Suicide or attempted suicide. • Self-inflicted sickness, injury or accidental injury. Assurant Supplemental Coverage

33. Thank you! Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Milwaukee, WI. J-102829 (4/2012)