Elite Portfolio Roth B Robertson Elite Portfolio Built

Elite Portfolio Roth B Robertson

Elite Portfolio Built on Familiar plans: • Max. Plan Elite • Core. Med Elite Plan • Right. Start Elite Plan • One. Deductible Elite Plan • Save. Right HSA Elite Plan 2

Exclusive Features of Elite: • $25 million lifetime maximum benefit for Max. Plan Elite, Core. Med Elite and One. Deductible Elite • Increased preventive services benefits – $1, 500 for Max. Plan Elite and One. Deductible Elite – $1, 000 for Core. Med Elite, Right. Start Elite and Save. Right HSA Elite • Eliminated $75 emergency room fee on all Elite plans • New coinsurance out-of-pocket maximum amounts for Max. Plan Elite, Core. Med Elite and Right. Start Elite • New non-network deductibles and coinsurance out-of -pocket maximum amounts for all Elite plans 3

Out-of-Pocket Changes • Coinsurance out-of-pocket maximums for Max. Plan Elite, Core. Med Elite and Right. Start 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: Non-network deductible — Individual deductible plus: Non-network coinsurance out -of-pocket maximum Max. Plan Elite $2, 000 (Family: individual x 2) $10, 000 (Family: 20, 000) Core. Med Elite $2, 000 (Family: individual x 2) $15, 000 (Family: $30, 000) Right. Start Elite $2, 000 (Family: individual x 3) $15, 000 (Family: $30, 000) One. Deductible Elite $2, 000 (Family: individual + $4, 000) $10, 000 (Family: $20, 000) Save. Right HSA Elite $2, 000 (Family: individual x 2) $15, 000 (Family: $30, 000) Note: Only 3% of Assurant Health PPO policyholders use non-network providers 4

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 Max. Plan Elite and Core. Med Elite plans • Maternity benefit waiting period: 90 days for all plans • Maternity option – for Right. Start Elite and Save. Right 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 Max. Plan Elite, Core. Med Elite and One. Deductible Elite. 5

Elite Sample Rates: Core. Med, $5, 000 Ded Market Current Plan Elite Plan Dallas (752): $240. 49 $238. 09 Chicago (606): $170. 47 $168. 39 Kansas City (640): $140. 31 $138. 80 Ft. Lauderdale (333): $190. 23 $188. 13 Phoenix (850): $158. 38 $156. 20 Atlanta (303): $187. 34 $186. 63 Assumptions: • Male, age 40; Spouse, age 40 • Core. Med, Preferred Risk, February 1, 2008 effective date • Current Plan: $6 M 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: $25 M 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: Health. Link – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS 6

Elite Sample Rates: One. Deductible / HSA Market Current Plan Elite Plan Dallas (752): $424. 53 $431. 24 Chicago (606): $295. 17 $300. 03 Kansas City (640): $259. 01 $262. 83 Ft. Lauderdale (333): $356. 52 $361. 91 Phoenix (850): $314. 22 $318. 75 Atlanta (303): $288. 68 $293. 43 Assumptions: • Male, age 40; Spouse, age 40 • One. Deductible HSA, Preferred Risk, February 1, 2008 effective date • Current Plan: $8 M Lifetime Max, $5, 700 Ded, 100% Coinsurance, 12 month rate guarantee • Elite Plan: $25 M Lifetime Max, $5, 700 Ded, 100% Coinsurance, 12 month rate guarantee • Networks: Health. Link – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS 7

Elite Sample Rates: Core. Med, $3, 500 Ded Market Current Plan Elite Plan Dallas (752): $299. 06 $295. 61 Chicago (606): $211. 43 $208. 61 Kansas City (640): $175. 63 $173. 23 Ft. Lauderdale (333): $241. 89 $238. 58 Phoenix (850): $198. 99 $196. 06 Atlanta (303): $236. 31 $234. 13 Note: 24 month rate guarantee available March 15 on $3, 500 Deductible Assumptions: • Male, age 40; Spouse, age 40 • Core. Med, Preferred Risk, February 1, 2008 effective date • Current Plan: $6 M 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: $25 M 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: Health. Link – Chicago; Coventry – Atlanta; North Broward – Ft. Lauderdale; all others -- PHCS 8