Easy to sell easy to use MultiLife Programs

Easy to sell, easy to use. Multi-Life Programs S 502 -MLP For Agent Use Only

Easy to sell, easy to use. AFFILIATION PROGRAM S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Affiliation Definition Associations Qualifications: • Constitution and /or By Laws • Member Based vs. Customer Based • Minimum of 5 Members Employers Qualifications: • Minimum 5 Employees S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Affiliation Eligibility Individuals age 18 to 85 and: • Affiliation Member; or • Care Partners of Affiliation Member; or • Family of Affiliation Member; or • If Affiliation is Employer, Retirees of Employer S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Affiliation Program Features • • 10% Discount No Limits on Plan Design No Defined Open Enrollment Period Rate Structure : All Underwriting Rate Classes available (Rate Class I premium 15% less than Standard ) Care Partner 1 - 20% * Care Partner 2 - 40% * * CT: 15%/30%, NY: 10%/20% S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Affiliation Billing/Payment Options 4 Payroll Deduction i. Minimum 10 participants i. Monthly Only 4 Direct Billing i. Employee Paid - Annual, Semi-Annual, Quarterly, Monthly (EFT or Credit Card only) i. Employer Paid or Billed to Employer i. Minimum 5 participants i. Monthly or Annual 4 Payment Methods i. EFT, Credit Card, Check S 502 -MLP For Agent Use Only

Easy to sell, easy to use. How to Quote and Submit an Case Affiliation • Complete Affiliation Authorization Form prior to submitting application. • Home Office will assign Group Number. • Hold Applications until minimum number is reached if Payroll Deductions or Employer Paid billing option selected. S 502 -MLP For Agent Use Only

Easy to sell, easy to use. EMPLOYER PROGRAM S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Employer Program Qualifications Minimum enrollment of 15 Active Employees age 18 - 65 who work 30 or more hours per week. S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Employer Program Eligibility • • Employees / Retirees Care Partners of Employees / Retirees Families of Employees / Retirees Ages 18 to 85 S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Employer Program Features i 15% Group Discount i Simplified Underwriting for Active Employees i Four Plan Designs (Options A, B, C, D) i Defined Open Enrollment Period i Single and blended Care Partner premium rates. i Blended Rate less than Single Rate by Approximately: i 25% in CT, 17% in NY, and 34% in all other states i Commission Reduction i 25% 1 st Year i 5% years 2 -10 * S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Employer Program Underwriting • Active Employees: Simplified (During Open Enrollment) Must answer “NO” to questions 1 - 6 on page three of application. • Active Employees outside open enrollment, Retirees, Care Partners and Family Members: Standard S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Employer Program Billing/Payment Options 4 Payroll Deduction i. Minimum 10 participants i. Monthly Only 4 Direct Billing i. Employee Paid - Annual, Semi-Annual, Quarterly, Monthly (EFT or Credit Card only) i. Employer Paid or Billed to Employer: 5 Minimum i. Monthly or Annual 4 Payment Methods i. EFT, Credit Card, Check S 502 -MLP For Agent Use Only

Easy to sell, easy to use. How to Quote & Submit an Employer Case • • • Create a group case file in the system Complete employer information worksheet Provide census information electronically Submit worksheets and census to Supervising Agency Receive approval, case number, and unlock file from Med. America • Create sponsor plan design and quotes • Submit forms and plan design to Med. America when case is sold S 502 -MLP For Agent Use Only

Easy to sell, easy to use. Multi-Life Program Comparison S 502 -MLP For Agent Use Only