Insurance Carrier

Guarantee Trust Life Insurance Company Founded in 1936 Headquartered in Glenview, Illinois Mutual legal reserve company with over $2 billion

life insurance in force Rated B+ (Very Good) by A.M. Best 1.2 million insureds Licensed in 49 states Visit www.realfastservice.com to learn more

Reinsurance

Munich Re Group 2nd Largest Reinsurance Company Founded in 1880 Headquartered in Munich, Germany 5,000 insurance companies in 150 countries rely on

Munich Re's expertise and financial strength Affiliated companies in 23 countries Visit www.munichre.com to learn more

Individual Major Medical – A Growing Market

45 million uninsureds 15 million uninsureds with an annual household

income of $50,000 and above Medical inflation has driven premiums out of the

reach of many – increasing the number of uninsureds

Smaller and larger companies are dropping their group coverage and encouraging employees to purchase insurance on their own

The growth and opportunities in this market is enormous

Assur-Care Series

Comprehensive major medical coverage for individuals and families

Choice of 2 major medical plans

Flexibility (choices in deductibles and coinsurance)

Assur-Care Series

Advantage Benefits are

richer Cost is higher

Complete Benefits are very

attractive, and very affordable

•Coverage is available for eligible individuals, families and even children alone.

•Substandard cases may be issued with rate ups or riders.

Additional Features on Both Plans

The policy will pay 100% of covered expenses up to the Lifetime Maximum after the out-of-pocket maximum expenses are met by the insured

Additional Features on Both Plans

Rx Discount Card

On the Advantage Plan, while you are meeting your Rx Co-pay Drug Card deductible, if applicable, and, on both plans, for drugs not covered under the Rx benefit rider, simply present your Rx Discount Card at an affiliated network pharmacy to receive a discount on drug purchases.

The Rx discount is not an insurance benefit. The Rx discount is not available for drugs purchased at pharmacies not affiliated with Express Scripts.

Additional Features on Both PlansRoutine Physical Exams

Advantage Plan - Covered after insured 90 days; up to $150 maximum benefit per examination per covered member/spouse per benefit period (every two years), including lab tests (blood/urine) associated with the same routine physical exam. Subject to coinsurance only.

Complete Plan - Covered after insured 12 months; up to $100 maximum benefit per examination per covered member/spouse per benefit period (every two years), including lab tests (blood/urine) associated with the same routine physical exam. Subject to coinsurance only.

Example: Cost of physical is $200. Insured has Advantage Plan at 80/20 to $10,000 coinsurance. In this case, carrier will pay 80% of the $200 only up to $150. The actual 80% of the $200 comes to $160, so the insured is responsible for the additional $50, which does not go toward any deductible or coinsurance stop-loss.

Additional Features on Both Plans

Child Health Supervision Includes immunization. Specific age intervals from birth to 6 years

Pap Smear One screening per calendar year

Mammograms One baseline ages 35-39. Age 40 and over covered yearly

Prostate Cancer Screening (PSA) Tests One per calendar year for males age 40 and over

Colorectal Cancer Screenings* One screening, including sigmoidoscopies or fecal occult blood testing,

every 3 years for persons at least 50 years old. *excluding Colorado

All above covered subject to deductible, service deductibles, co-payments and coinsurance (unless rider selected).

Optional Enhanced Routine Preventive Care Benefits Rider:Covers above benefits subject to coinsurance only, with no waiting periods! Subject to age intervals as outlined above.

Additional Features on Both Plans

LabOne

LabOne* is another cost containment program. It does not replace existing lab benefits. LabOne is a fully accredited and certified laboratory which offers significant savings over other labs. At the time of service, simply request that lab work be sent to LabOne for processing. There will be a LabOne card sent with each insured’s policy/certificate.

LabOne will submit claims for services directly to Guarantee Trust Life or the plan administrator. If a provider is unable to collect the specimen, LabOne has contracted draw sitesavailable.

You will receive LabOne discounts when your lab specimens are sentto LabOne for testing. Covered expenses are subject to calendar yeardeductible, coinsurance and any applicable service deductibles.Client Services: 1-800-750-1253 www.laboneselect.com

*Not available in all states.

Additional Features on Both Plans

Initial 12 Month Rate Guarantee

Initial premium rates, excluding fees, are guaranteed for 12 months. Initial premium ratesmay change if you move, change your plan or add/delete covered dependents

Additional Features on Both Plans

24-Hour Occupational Coverage

To be eligible for this optional Rider, the applicant and/or spouse must be:

(1) A sole proprietor, partner, owner or other individual gainfully employed in an occupation eligible for the Rider; and

(2) Eligible to opt out of Workers’ Compensation by their statelaw and have done so.

This optional Rider provides benefits for injuries or sicknesses, that arise out ofor in the course of employment, on the same basis as any other covered illness.

Benefits are payable provided the covered person is not insured or required to be covered under any Workers’ Compensation or similar law, the expenses are incurred while the Rider is inforce and the covered person's occupation andemployment status as listed on the application for this benefit has not changed after the covered person's effective date under the Rider.

Additional Features on Both Plans

Family Premium Discount Preferred Health Discount

Family premium discount of 5% applies when a certificate is issued withtwo or more eligible family members applying together.

Preferred health discount of 20% applies to qualified individuals ages 18 through 39.

Additional Features on Both Plans

Calendar Year Deductible Carryover

Covered expenses incurred during the last three months of a calendar year that are applied to the medical plan’s calendar year deductible will also apply towardthe following year’s calendar yeardeductible. This does not apply to theseparate Rx Drug Card deductible.

Additional Features on Both Plans

Common Accident Deductible

If two or more covered persons sustain an injury in the same accident, only one calendaryear deductible will be applied to allcovered medical expenses arising out of that accident.

Additional Features on Both Plans

Medical Emergencies

Medical benefits for emergency services (as defined in the policy) will be considered for payment at participating provider benefit level, limited to the usual, reasonable and customary charge. Emergency services must be provided within 72 hours following the onset of the injury or illness.

Medically Necessary Covered Services Not Available From A PPO Provider - and referred to a Non-PPO provider will be considered for payment at PPO level, limited to the usual, reasonable andcustomary charge.

Pre-Existing Conditions Limitation

An illness or injury of a covered person for which the covered person hasreceived medical advice, treatment, services, diagnostic tests, consultationor medication during the twelve (12) months prior to the covered person’seffective date of coverage under the policy. Benefits will be payable for apre-existing condition, unless the condition is specifically excluded underthe policy or excluded by endorsement or rider attached to the policy orcertificate, if at the end of a continuous 12-month period commencingon or after the effective date of the covered person’s coverage, the personhas not received medical advice, treatment, services, diagnostic tests,consultation or medication in connection with such illness or injury; or, atthe end of the two (2) year period commencing on the effective date ofthe covered person’s coverage, the person has been covered under thepolicy.

Health conditions duly disclosed in the application for coverage ofthe covered person and otherwise covered by this policy, unless thecondition is specifically excluded by endorsement or rider attachedto the policy or certificate, are covered from the effective date ofcoverage under the policy.

Preferred Provider Organization (PPO) Networks

The Most Extensive PPO Networks Available in the Industry:

Features National and Popular Regional Networks

www.gtlplans.com now displays the available PPO networks by state

Each network has a link to their website, phone number and also displays Network Factor

This makes it as easy as a click of your mouse to find out if your client’s physician is participating in one of the available networks

AmeriBenefit Plan

AmeriBenefit Plan16476 Chesterfield Airport Rd

2nd FloorChesterfield, MO 63017

Email: info@ameribenefitplan.comPhone: (888) 416-2815

AmeriBenefit PlanMembership* benefits include:

*ABP Membership is optional in CO/GA. The above benefits, including the Accident Medical Expense Benefit, are only available to members of AmeriBenefit Plan.

Accident Medical Insurance – Choice of $1,000 coverage with a $100 deductible or $5,000 coverage with a $250 deductible

GymAmerica.com – On-line interactive exercise and diet program Vitamin and Nutritional Supplement Discounts – 15% discount on a wide range of products HopTheShops.com – Cybermall featuring over 100 high quality

e-tailers and stores with special discounts and features. Pre-Employment Background Reports/Investigative

Services – Special discounts on these services provided by an internationally renowned investigative and consulting agency

Powernet Global – Long distance rate of 4.9 cents per minute state to state, twenty-four hours a day, seven days a week

Emergency Medical Info Card – Wallet-size card provides personal medical profile in case of emergency

Penny Wise Office Supplies Discounts – Up to 36% off already discounted prices on a large selection of items

ITC-50 Hotel Discounts – A network of over 4,000 hotels that offer a 50% discount

Theme Park Discounts – Provides members access to discounts at theme parks

Major Competitive Advantages in Plan Benefits

Physical, Respiratory and Speech Therapy for Rehabilitative Treatment – no limits

Transplants – no separate maximum benefit Rx Benefit – no limits Home Health Care (in lieu of a covered hospital

confinement) Up to 40 visits per person per calendar year Spinal Manipulation and other Manipulative

Therapy - Up to $500 maximum benefit per covered person per calendar year

Covers Emergency Care received outside the U.S. – no time limits or maximums

24 Hour Occupational Coverage – no charge for those who qualify

Who are your Prospects?

•Uninsureds

•Offer them affordable health insurance

•Insureds

•Save them money

•Younger ages

•Affordable and comprehensive coverage

•Families

•Affordable for the family

•Doctor office visits and Rx benefits

Field Tools To Assist You

Reference Guide Quick Reference Guide:

Height and Weight Chart Ineligible Occupations

New Business Guidelines Administrative Guidelines Customer Service Information Claims Information

Underwriting

Reviews the enrollment application. Based on answers, additional

information, telephone verification or medical records may be ordered.

All underwriting notes on a case are available on line so you can easily see what the case status is.

Underwriting

Depending on the condition of the applicant, several things can happen:

Case issued standard Case issued with rate up Case issued with exclusionary rider* Case pended for medical records Case declined

* Note: Consumers can call into underwriting to verbally accept exclusionary riders and/or rate-ups!

Effective Date and Billing Information

1st and 15th of the month Monthly Bank Draft (automated checking

debit) Monthly Credit Card (Visa or MasterCard) -

$7 billing fee Monthly Direct - $7 billing fee Quarterly - $7 billing fee Semiannual - $7 billing fee List Bill (except in these states):

CO, MI, MO, TN, VA, WI

What happens after the application is submitted?

After online application is submitted, the consumer is emailed a confirmation with a link to their application.

The agent will be sent an email confirming we received the application, date, confirmation #, plan selected, premium amount and link to web site.

The consumer email will tell them to call the 800# for the telephone verification

The underwriter will automatically call the applicant for the TI if the applicant has not already called in. (5 times)

Policy Fulfillment and Issue

Once the case is issued, an approval letter is sent from underwriting to the insured.

The agent can check on case issuance and the date the kit was mailed via the web site.

A fulfillment kit with certificate/policy, ID card, ABP brochure, welcome letter, etc. is mailed within 24-48 hours.

On Line Tools for Submitting and Managing Business

Prepare a quote proposal (view, save, print, email)

Apply on line (easy process) A confirmation email is sent to the agent and

the applicant Look up your application status on line Status, notes, letters and

correspondence associated with your applications are at your fingertips

Doing Business with Insurance Benefit Group is Easy

On line-applications (or paper).

Quick turnaround time in underwriting.

Innovative web site for agents to track and manage their business.

Sales tools to support your marketing efforts.

Summary

Comprehensive Coverage

Flexibility of Benefits

Competitive Rates

Easy enrollment

GTL - 4 Pillars

Doc CoPay $40 CoPay Unlimited Visits

Wellness 5 Benefits

Mammogram, Pap Smear, PSA Test, Colorectal Cancer Screening; Child Immunization

No Deductible (Coinsurance Only) No Waiting Period

Organ Transplants – no separate maximum benefit

Physical, Respiratory and Speech Therapy for Rehabilitative Treatment – no separate maximum benefit