CIC-A2-PRES

1. CIC-A2-PRES

2. Accidents: a fact of life According to the National Safety Council… • 66% of all accidents occur off-the-job. • More than 23.8 million injuries required medical attention in 2003. • In 2004, over 82% of all costs due to accidental injuries were non-medical costs and expenses. National Safety Council, Injury Facts, 2005-2006 Edition, p2, p23, p4 The above facts represent U.S. population, are for information only and do not imply coverage under the policy or endorsement of the company or the policy by the cited sources.

3. But that’s only one piece of the puzzle. Also consider: • Worker’s compensation only covers injuries that occur on the job. • Major medical plans may cover only routine medical expenses for accidents or disability, leaving uncovered costs such as copays and a host of other expenses for you to pay out of your own pocket. • Loss of income due to disability can strip you of your wealth – and the lifestyle to which you’re accustomed. • An accident plan is a great supplement to a high-deductible health plan.

4. The bottom line: There are TWO basic costs associated with accidents. MEDICAL EXPENSES • Costs typically covered by standard medical insurance, such as doctor and hospital bills NONMEDICAL EXPENSES • Unavoidable expenses that may come out of your own pocket. The benefits described in the policy do not cover all nonmedical expenses. However, the benefit payment you receive can be used to pay any of your medical or nonmedical costs not paid by any other insurance.

5. How would YOU pay for unexpected costs? • Spend your savings • Sell off assets • Preserve resources by acquiring supplemental accident insurance. Supplemental insurance can help!

6. TWO important issues to consider… NEED If you had an accident, can you budget for: • Nonmedical expenses • Loss of income or savings • Insurance shortfalls AVAILABILITY • Accident Secure Plus is accessible and the premiums are designed to fit into just about any budget without a change in lifestyle.

7. TWO easy options… OPTION 2: 24-HOURACCIDENT DISABILITY BENEFIT Covers you 24 hours per day, even while you’re at work • OPTION 1: OFF-THE-JOB ACCIDENT DISABILITY BENEFIT • Covers you when an accident occurs away from work, rendering you disabled *With either option, choose $500, $1,000, $1,500 or $2,000 based on income requirements* Both choices offer coverage for the policyowner for up to 12 months and are guaranteed renewable to the age of 70. The policyowner must be disabled within 90 days of a covered accident, being cared for on a regular basis by a physician, be employed at least 27.5 hours at the time of the covered accident, and not be engaged in any employment or occupation for pay, benefit or profit. Available via worksite sales and primary applicant only. Premiums are based on level of coverage selected.

8. Accident benefits Accidental death • When the death of an insured occurs within 90 days of a covered accident Type of accident* Level 1Level 2 • Common carrier $100,000 $150,000 • Motorized vehicle or pedestrian $75,000 $125,000 • Other accidental death $50,000 $75,000 *Premiums are based on level of coverage selected.

9. Accident benefits Dismemberment When dismemberment occurs within 365 days after a covered accident Type of Dismemberment*Level 1Level 2 • One finger or toe $1,250 $2,000 • More than one finger and/or toe $1,500 $2,500 • One eye, hand, foot, arm or leg $7,500 $12,000 • More than one eye, hand, foot, arm or leg $25,000 $40,000 *Benefit amounts are shown at maximum levels.

10. Accident benefits Type of injury • Fracture • Dislocation • Laceration • Burn • Injuries requiring surgery • Paralysis Specified injury • For injuries that occur as a result of any covered accident • The injury must be diagnosed and treated by a physician within 90 days of the accident * * 72 hours for lacerations and burns; 60 days for ruptured disc, torn cartilage or hernia

11. Accident benefits Additional benefits • Physicians • Emergency room • Hospital confinement/ICU visit/Physical therapy • Ambulance – Ground/Air services • Prostheses • Transportation/Family lodging • Blood & Plasma • Medical imaging/ Medical appliances

12. Optional riders • Sickness Disability • Public Safety • Return of Premium/Cash Value All riders are optional and have an additional cost; subject to state availability.

13. Sickness Disability rider $500, $1,000, $1,500 or $2,000 per month (All benefit payments under this rider are subject to a 14-day elimination period for each sickness.) For a covered sickness, we will pay a monthly benefit for up to 12 months when the policyowner is: • Employed at least 27.5 hours per week at the time the sickness is diagnosed; • Totally disabled; • Not engaged in any employment or occupation for pay, benefit or profit during the period of sickness; and • Being cared for on a regular basis (at least monthly) by a physician. Guaranteed renewable to the age of 70. This rider is only available with Accident Disability Coverage. Based on income requirements. Available via worksite sales and for primary applicants only.

14. Public Safety rider • Law enforcement officers, correction officers or firefightersreceive a $2,000 benefit for gunshot wounds received while in the line of duty. Treatment by a physician in a hospital within 24-hours. Available via worksite sales, for primary applicant only,

15. Your premium return advantage This example is for illustration purposes only. It is not complete and does not include a complete description of benefits or the limitations and exclusions of those benefits. Please refer to your original certificate or product brochure, or ask your agent for more complete details. This is not a state-specific comparison. Not all benefits are available in all states.

16. Our assurances • Your benefits are paid directly to you or to whomever you choose, unless otherwise required. • Your benefits have no lifetime maximum limits, and are renewable as long as premiums are paid. • Your benefits are paid regardless of any other insurance you carry.

17. THE CONSECO INSURANCE COMPANIES • Providing security and protection • One of America’s largest supplemental insurance companies • More than 2 million supplemental insurance policyholders

18. PROTECT YOUR MOST VALUABLE ASSET─YOUR INCOME! • Two simple plans • Accessible for most budgets • Optional riders for additional coverage