Mutual of Omaha - Critical Advantage Example: age 40 male, non-smoker, $10,000 coverage - This product has prequalification s.

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1 Mutual of Omaha - Critical Advantage Example: age 40 male, non-smoker, $10,000 coverage - This product has prequalification s. Express Underwriting: $10,000 to $50,000 : Simplified Underwriting: $51,000 to $100,000. Product Information Here s How it Works: Age Covered: These products provide a lump-sum cash benefit upon diagnosis of cancer, heart attack or stroke, or a critical illness. Policy benefits can be used any way the client chooses. This gives them extra cash to help pay medical and non-medical expenses, including: Replacing lost income while they re off work Continuing to pay ongoing expenses, like mortgage payments, groceries and utilities Paying health insurance deductibles and copayments Hiring home health care or child care services Traveling to receive treatment Upon the diagnosis of cancer, the insured will receive a lump-sum payment of 100 percent of the benefit amount selected. Once the benefit has been paid, the policy will end, unless benefits continue under an attached rider. Critical Illness (Life benefit), (Term Benefit) : Cancer (Life Benefit), (Term Benefit) : Heart Attack & Stroke (Life Benefit), (Term Benefit) Critical Illness $23.80 Internal Cancer or Malignant Melanoma, Heart attack, Stroke, Alzheimer's Disease, Major Organ Transplant, Blindness, Paralysis, Deafness, Kidney Failure. 25% Coronary Artery Bypass Surgery and Coronary Angioplasty Heart attack and Stroke $8.30 Heart Attack, Stroke: 25% Coronary Artery Bypass Surgery, Coronary Angioplasty Cancer $9.00 Internal Cancer or Malignant Melanoma Available riders Intensive Care Unit $7.40 Pays $1000 / Day patient is on intensive care Cash Value $7.50 Provides a percentage of all premiums paid for the policy and all riders, minus the amount of any benefits paid in claims for all insured persons. Issue age* 18 to 60

2 Cancer, Heart Attack and Stroke Insurance Cash benefits can be used for: WHAT WILL THESE BENEFITS DO FOR YOU? At a Glance Issue ages and Benefit amount Copays for Co-Payments, Deductibles, Prescription Drug Pay for Experimental Treatments and Surgeries Supplement Lost Income Provide Cash for Car and Mortgage Payments Allow for Extra Time Out of Work Take a Recuperative Trip Allow you to seek treatment that is out of network or not covered without worrying about costs. Help give your family peace of mind that the bills can be paid. Allow you and your spouse to take extra time out of work to recover. Give you 24/7 access to the Ask Mayo Clinic support services at no extra charge. A lump sum benefit amount will be paid directly to you regardless of any other health care coverage you may have. Pays upon the diagnosis of cancer or if you suffer a heart attack or stroke. The choice of benefit amounts are flexible. Range up to $75,000 for Cancer and $75,000 for Heart Attack and Stroke (HAS) depending on your specific needs. ISSUE AGES:18 to 90 (child rider available) PLAN BENEFIT AMOUNTS: Age 18 to 65: Up to $75,000, Age 66 to 90: Up to $50,000 COVERAGE: Individual and Children GUARANTEED RENEWABLE FOR LIFE Policyholders can have 24/7 access to Ask Mayo Clinic nurse line AND Ask Mayo Clinic online for answers to important health questions - anytime, anywhere! Ask Mayo Clinic 24-Hour Nurse Line Ask Mayo Clinic on-line, on-demand Critical Illness Support Explain test result, med questions Experimental Benefits included GTL s Benefit Builder can boost your benefits You will receive an additional benefit of 25% of your chosen Lump Sum amount should you undergo a qualifying experimental treatment that has been approved or endorsed by the U.S. Food and Drug Administration or the National Institute of Health while being treated for cancer. CANCER Benefits increase by 25% for cancers diagnosed as late stage $500 Skin Cancer benefit, payable three times in a lifetime Increases coverage for Cancer In-Situ from 25% to 50% of lump sum benefit $100 per year Wellness Benefit for annual physical exam (in AZ, available ages 18-74) Example: If you have a $10,000 Lump Sum cancer Policy and undergo a qualifying experimental treatment you would be paid an additional $2,500 for a total of $12,500. HEART ATTACK AND STROKE Transient Ischemic Attack (TIA) covered at 10% of lump sum benefit Angioplasty and/or stent covered at 10% of lump sum benefit Bypass covered at 25% of lump sum benefit Valve replacement 10% of lump sum benefit Aortic surgery 25% of lump sum benefit

3 GTL s Reoccurrence Benefit Rider GTL s Recurrence Benefit Rider, after you receive your lump sum payment your benefits are eligible to restore with the Recurrence Benefit. The Recurrence Bene t can be applied to both the cancer and heart attack and stroke benefits. The percentage of Lump Sum benefits are shown in the chart to the right. Riders CANCER BENEFIT BUILDER - Increases the Cancer benefit amount by 25% in cases of a late stage diagnosis and boosts Cancer In-Situ benefit to 50% of the Cancer benefit. Includes a $500 per year Skin Cancer benefit up to 3 times in a lifetime. And, it includes a Wellness Benefit of $100 per year for an annual physical examination from your doctor. HEART ATTACK/STROKE BENEFIT BUILDER - Benefit for Transient Ischemic Attack, ( mini-stroke ) covered at 10% base benefit. Angioplasty and/or stent benefit of 10% base benefit, Bypass benefit of 25% of the base benefit, Aortic Surgery benefit, 25% of the base benefit and a Valve replacement benefit, 10% of the base benefit. These benefits are payable in addition to your Heart Attack and Stroke (HAS) lump sum benefit. RECURRENCE RIDER- lump sum payment, your benefits are eligible to restore. This rider can be applied to the cancer and heart attack and stroke benefits. RETURN OF PREMIUM RIDER- Will return all premiums you have paid minus benefits paid if your policy is kept in force for at least 20 years. ROP on death options are also available. (not available in PA; No 20- year ROP in ND.) INTENSIVE CARE RIDER This rider pays a choice of daily benefits, in amounts up to $600 per day, should you be confined to a hospital ICU for any reason. Benefits reduce by 50% at the attained age of 65. CRITICAL ACCIDENT RIDER After an Emergency room visit, this rider will pay a lump sum benefit for the following types of accident injuries: Accidental Death, Hip or Skull Fracture, Hip Dislocation, Knee Dislocation or Knee Ligament Tear, Fracture, Other. DENTAL/VISION RIDER - Pays you an annual benefit up to $400, $800, or $1,200 for services performed by a licensed dentist, ophthalmologist or optometrist after the first year, including $200 for prescription eye glasses or contact lenses (not available in AK, ID, KS, MO & NM.) CHILD COVERAGE RIDERS Provides up to $75,000 in coverage to a dependent payable in case of a diagnosis of Cancer and if selected up to $10,000 in coverage for Heart Attack and Stroke. Available for issue to ages Coverage ends at age 25. Example Premiums Benefit Amount $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $75, year-old Male W/O riders $12.08 $22.08 $32.08 $42.08 $52.08 $62.08 $77.08

4 At a Glance Cash benefits can be used for: CANCER FIRST OCCURRENCE Pays up to a $50,000 one-time lump-sum cash benefit after the waiting period upon a first diagnosis of a cancer Benefits paid directly to you - not your doctor or hospital Why Does This Policy Deserve Your Consideration? Co-pays or co-insurance Rent/mortgage Car payments Childcare or Everyday living expenses It is guaranteed renewable for life. It pays regardless of other insurance you may have. Payment is made directly to you. Benefits are paid whether you receive treatment or not. Benefits do not change when you reach age 65. You do not have to be hospitalized to receive your benefits. Benefit amount is the same even if treatment is provided in a government hospital, VA hospital, health maintenance organization (HMO), clinic, or any other facility. The Family Plan pays the same FOB benefit for each covered family member. Pays a lump-sum benefit upon a first diagnosis of the qualifying event or diagnosis listed below, subject to a 30-day waiting period. 1 Benefit Options $5,000 $10,000 $20,000 $30,000 $40,000 $50,000 Monthly Premiums 30-year-old Male $5.00 $10.24 $20.00 $30.00 $40.00 $ Year-old Female $5.00 $10.24 $20.00 $30.00 $40.00 $ year-old Male $5.00 $10.24 $20.00 $30.00 $40.00 $ Year-old Female $5.00 $10.24 $20.00 $30.00 $40.00 $50.00 GUARANTEED RENEWABLE FOR LIFE The only way the policy can be canceled is for failure to pay premiums or upon the payment of the benefit amount; however, any remaining covered dependents shall remain covered un l the benefit amount is paid. The company reserves the right to change the rates on all policies of this class in the entire state. Dependent unmarried children are covered to age 21. Full- me students may be covered longer.

5 CANCER Care Plus - Cancer and Dread Disease Insurance Financial Solutions, Treatment and Recovery Benefit Package Options Plan A Plan B Plan C Plan D Cancer Screening Test Payable for one annual cancer screening test, Payable for one annual cancer screening test, including but not limited to mammography screening, pap smear (test only); CA125 (blood test for ovarian Cancer); PSA (blood test for prostate Cancer); hemocult stool specimen; flexible sigmoidoscopy; CEA (blood test for colon Cancer); colonoscopy; chest X-ray; thermography; or serum protein electrophoresis. Payment based on benefit amount selected. Not payable if received through any freetesting program or for any other cancer screening test for which a charge is not made. First Occurrence Benefit (Rider) Payable when a covered person is diagnosed with cancer for the first time. Payable only once for each covered person and not payable for skin cancer. Not available for ages 65 and above. Daily Hospital Confinement Benefit Payable when a covered person is confined to the hospital for the treatment of cancer or a dread disease. Payment is based on the daily benefit amount selected. Payable for the first 70 days of each period of confinement. Surgical Benefit Payable for surgeries performed in or out of the hospital to treat cancer or a specified dread disease. Benefits for surgical procedures are calculated as a percentage of the per-surgery maximum benefit amount selected. Radiation, Chemotherapy and Other Benefits We will pay the actual charges for Teleradiotherapy, Radio-Active Isotopes Therapy, Chemotherapy, Chemotherapy Enhancer Drugs, and An -Nausea and Immunotherapy drugs, as indicated in the policy, for the treatment of cancer or a specified dread disease. Benefits are based on the maximum monthly benefit amount selected. Actual Charges means the amount(s) actually paid by or on behalf of the Covered Person and accepted by the provider as full payment for the covered services provided. This benefit is not payable if treatment is received in a government or charity hospital. Pays $50 per calendar year. (MT only, $100 per calendar year.) Pays your choice of $50 or $100 per calendar year. (MT only, $100 per calendar year.) Pays $100 per calendar year. Pays $100 per calendar year. Pays $1,000. Pays $2,500. Pays $5,000. Pays $10,000. Pays $100 per day. Pays maximum per surgery $2,500. Pays actual charges, maximum $2,500 per month. Pays $150 per day. Pays maximum per surgery $3,000. Pays actual charges, maximum $5,000 per month. Pays $300 per day. Pays maximum per surgery $4,000. Pays actual charges, maximum $7,500 per month. Pays $150 per day. Pays maximum per surgery $4,000. Pays actual charges, maximum $5,000 per month.

6 The following defines the list of Dread Diseases covered under the Policy: Addison s Disease Muscular Dystrophy Tay-Sachs Disease Amyotrophic Lateral Sclerosis Myasthenia Gravis Tetanus Diphtheria Niemann-Pick Disease Toxic Epidermal Necrolysis Encephali s Osteomyeli s Toxic Shock Syndrome Epilepsy Poliomyelitis Tuberculosis Legionnaire s Disease Reye s Syndrome Tularemia Lupus Erythematosus Rheumatic Fever Typhoid Fever Meningitis Rocky Mountain Spotted Fever Whipple s Disease Multiple Sclerosis Sickle-Cell Anemia Whooping Cough Hospital and Other Care Facility Benefits: Prescribed Drugs and Medicines - Actual charges for drugs and medicines prescribed while confined in a hospital. Limited to the first 70 days for each period of confinement. Physician s Attendance -If the regular physician visits during a confinement in the hospital. Ambulance -For transfer of a covered person to or from a hospital for confinement as an inpatient. Private Duty Nursing Service -When confined in a hospital and a private duty nursing service is retained. Extended Benefits -Beginning on the 71st day of one continuous period of hospital confinement for cancer or a dread disease. Payable in lieu of all other benefits payable for the same me period. Government or Charity Hospital - Pays a total benefit of $200 per day of treatment for outpatient Tele radiotherapy, Radio-Active Isotopes Therapy, Chemotherapy, Chemotherapy Enhancer Drug, An -Nausea, and Immunotherapy, as indicated in the policy, received in a government or charity hospital. Paid in lieu of all other benefits except for transportation on and lodging benefits. Extended Care Facility - Confinement must be recommended by the attending physician and begin within 14 days of a covered hospital confinement. All days for which a Hospital Confinement benefit is paid will be included in determining the maximum of 70 days for the Extended Care Facility benefit. Hospice Care - For confinement in a hospice care center for care provided if a covered person has diagnosed as terminally ill due to cancer or dread disease. Limited to a life me maximum of 180 days for confinement in a hospice care center, or 30 days if hospice services are provided in the covered person s home. Transportation Benefits Transportation and Lodging for Bone Marrow Donors Transportation for Non-Local Treatment Which Requires Hospital Confinement Transportation and Lodging for Non-Local Treatment Which Does Not Require Hospital Confinement Adult Companion Transportation and Lodging Monthly Premiums Actual charges to a maximum of 20% of the Daily Hospital Confinement Benefit. $50 per day $250 per trip 3 trips per year $150 per day $1,000 per day $200 per day $100 for each day of confinement to a maximum of 70 days $100 per day Plan A Plan B Plan B Plan C Plan D 40-year-old Male / female $23.22 $33.08 $36.38 $51.42 $44.32 Intensive Care Rider $7.92 Critical Care Rider $2.75

7 Critical Illness Direct At a Glance Pays up to a $100,000 lump-sum cash benefit on a first diagnosis of a covered critical illness or qualifying event Benefits paid directly to you - not your doctor or hospital Coverage is available for the whole family - you, your spouse and your kids Affordable premiums that do not increase as you get older with coverage starting at $291 per month 2 Cash benefits can be used for: Co-pays or co-insurance Rent/mortgage Car payments Childcare Everyday living expenses Pays a lump-sum benefit upon a first diagnosis of the qualifying event or diagnosis listed below, subject to a 30-day waiting period. Benefit Options $10,000 2 $20,000 $30,000 $40,000 $60,000 $80,000 $100,000 Qualifying Event paid at 100% Advanced Alzheimer s, ALS, life threatening cancer, coma (illness induced), heart attack, major organ transplant, stroke, end-stage renal failure. $10,000 $20,000 $30,000 $40,000 $60,000 $80,000 $100,000 Qualifying Event paid at 25% Benign brain tumor, cancer in situ, coronary bypass. $2,500 $5,000 $7,500 $10,000 $15,000 $20,000 $25,000 Monthly Premiums Ex. 35-year-old Male Year-old Female year-old Male Year-old Female This is only an illustration of benefit and premium options per non-tobacco covered person. Premiums may vary by state. Benefits reduce by half at age 70 except in CT For MD, all references to Waiting Period are removed for MO, if a qualifying event first occurs within 30 days from the effective date of coverage, we will pay no more than $500 of the lifetime maximum benefit amount selected This benefit level is guaranteed acceptance regardless of health or medical history; subject to eligibility requirements and pre-existing condition limitations.

8 Cancer Wise At a Glance Pays up to a $50,000 one-time lump-sum cash benefit after the waiting period upon a first diagnosis of a cancer Benefits paid directly to you - not your doctor or hospital Coverage is available for the whole family - you, your spouse and your kids Affordable premiums that do not increase as you get older with coverage starting at $518 per month Cash benefits can be used for: Co-pays or co-insurance Rent/mortgage Car payments Childcare Everyday living expenses Pays a lump-sum benefit upon a first diagnosis of the qualifying event or diagnosis listed below, subject to a 30-day waiting period. Benefit Options $20,000 $30,000 $40,000 $50,000 One-time benefits are payable under the Policy for first diagnosis of malignant internal tumor or malignant melanoma, per insured person. Pays $500 if cancer is first diagnosed during the 30-day waiting period. 1 Monthly Premiums 30-year-old Male $8.26 $12.38 $16.51 $20,64 30-Year-old Female $7.46 $11.20 $14.93 $18,66 40-year-old Male $14.14 $21.20 $28.27 $ Year-old Female $11.28 $16.92 $22.56 $28.20 Dependent Male Child $2.42 $3.64 $4.85 $6.06 Dependent Male Child $2.71 $4.07 $5.42 $6.78 Waiting period and $500 first diagnosis benefit are not applicable in MD The chart above is only an illustration of benefit and premium options per non-tobacco covered person. Premiums may vary by state.

9 Cancer and heart attack or stroke insurance plans Solution A lump sum benefit is paid directly to you (or someone you designate), regardless of any other health insurance coverage you have, upon first diagnosis of cancer and heart attack or stroke. (Depending on the plan you choose.) Cancer Insurance Cancer and Heart Attack or Stroke Insurance Intensive Care Unit Rider Once cancer is medically diagnosed, the full (lump sum) benefit is paid directly to you, or someone you designate, to use any way you choose regardless of any other insurance coverage you have, including Medicare. Benefits range from $5,000 to $75,000 (in increments of $5,000) so you choose the amount that is right for you. The policy is guaranteed renewable for life as long as the premiums are paid. Hospitalization is not required to be eligible for this coverage. Only one cancer benefit amount will be paid to you for each insured person under this policy. This policy includes the cancer coverage described above, along with a lump sum benefit for the medical diagnosis of a heart attack or stroke. A full (lump sum) benefit is paid directly to you, or someone you designate, to use any way you choose. Only one heart attack or stroke benefit amount will be paid to you for each insured person under this policy. Benefit amounts are the same as the Cancer insurance. This rider pays a benefit of $150 per day for confinement in a hospital intensive care unit, regardless of the accident or illness. Benefits for the Intensive Care Unit Rider are available in $150 increments, up to a maximum of four increments. Example: 4 increments x $150 = $600 daily benefit There is a maximum of 30 days per period of care. The benefit reduces by 50% at age 65. This rider terminates when the policy terminates. Coverage Amounts Minimum is $5,000 Maximum is $75,000 (increments of $5,000) Optional Benefits Daily intensive care Minimum is $150/day Maximum is $600/day (increments of $150) Coverage Individual, individual and spouse/ domestic partner, individual and child(ren), and family (same lump sum benefit amount for each covered person) Children (18-26) and divorced spouses/domestic partners can convert to an individual policy without underwriting or proof of insurability. Issue Ages (age at last birthday) Guaranteed Renewable No worries of cancelled coverage for the life of the policy, as long as the premiums are paid on time. Ex. Monthly Premium for Critical Illness Plan Benefit Amount $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $75, year-old Male No Riders $14.96 $29.93 $44.89 $59.86 $74.83 $89.79 $112.24

10 What our base policy offers Use the money where you need it Critical Choice - Cancer and Heart Attack polices Additional Support if you Face a Serious Diagnoses Lump-sum benefits from $5,000 to $50,000 to use any way you need Cash benefit can be paid directly to you or to anyone you choose Coverage for you and your dependents Deductibles/coinsurance Prescription drugs Issue ages from Pays regardless of any other insurance you may have Guaranteed renewable for life Optional riders for flexibility Extended hospital stays Experimental therapy Unexpected expenses Rehabilitation How your policy works Choose either a First Diagnosis Cancer or a First Diagnosis Heart Attack & Stroke Insurance policy Enhance your coverage For an additional premium, you may be able to add: A First Diagnosis Cancer rider to your First Diagnosis Heart Attack & Stroke policy A First Diagnosis Heart Attack & Stroke rider to your cancer policy A specified disease rider An Accidental Death & Dismemberment rider Optional Riders Specified Disease Rider (Form Series #LY-SD-RD) This rider pays your selected benefit amount if you are diagnosed with any one of the covered specified diseases found in the chart below. Available in amounts of $5,000 to $50,000. The maximum child benefit amount is the lesser of either $10,000 or the parent benefit. If two or more diseases are diagnosed in the same day, we will only pay one benefit amount. Each Insured Person is limited to one covered specified disease benefit amount. Covered Specified Diseases are covered at 100%: Amyotrophic Lateral Sclerosis (ALS), Coma, End Stage Renal Disease (ESRD), Major Organ Transplant, Multiple Sclerosis (MS), Paralysis, Severe Burns Accidental Death & Dismemberment Rider (Form Series #LY-ADD-RD3) We will pay the selected cash benefit if you suffer accidental death or dismemberment within 90 days following a covered accident due to injuries received in that accident. Benefit amounts are available from $25,000 to $100,000. The maximum child benefit amount is $25,000. The total amount payable under this rider for any injuries sustained in a covered accident shall not exceed the amount payable for loss of life. Covered Specified accidents are: Life-100%, One eye, hand, foot, arm or leg- 10%. More than one eye, hand, foot, arm or leg 20%

11 First Diagnosis Cancer policy How it works -A Critical Choice First Diagnosis Cancer policy will pay 100% of the selected benefit amount ($5,000 to $50,000) after the first diagnosis of invasive cancer and 25% of the selected benefit after the first diagnosis of noninvasive cancer (carcinoma in situ). We will pay the benefit for carcinoma in situ (noninvasive cancer) only once during an insured person s lifetime. A maximum payment of 100% of the selected benefit amount will be allowed. This coverage is available for individual age and their dependents. The maximum child benefit amount is the lesser of either $10,000 or the selected parent benefit. Cancer (invasive) 100%: Carcinoma in situ (noninvasive) 25% Continuous coverage Your policy also includes a recurrence benefit. First Diagnosis Heart Attack & Stroke policy How it works - A Critical Choice First Diagnosis Heart Attack & Stroke Insurance policy will pay a lump-sum benefit following the first diagnosis or procedure for one of the qualifying events listed to the right. To determine the payable amount, multiply the percentage for a qualifying event by the specified benefit amount you chose. The maximum benefit amount for a child is 10,000 or the selected parent benefit amount whichever is less. Benefits are payable only once in an insured person s lifetime for the following conditions: Coronary artery bypass surgery, aortic surgery, heart valve replacement/repair surgery, angioplasty, and stent subject to the maximum percentage of benefit amount payable. Ex. Monthly Premium Benefit Amount $10,000 $20,000 $30,000 $40,000 $50, yr old male -Cancer $8.50 $17.00 $25.50 $34.00 $ yr old male -Heart $10.88 $21.76 $32.64 $43.52 $54.40 Specified Disease Rider $1.79 $3.57 $5.36 $7.14 $8.93 Accidental Death & Dismemberment Rider $25,000 = $1.53 $25,000 = $3.06

12 At a Glance LOOKING AHEAD: CANCER AND HEART ATTACK & STROKE INSURANCE Flexible lump-sum benefits from $5,000 to $100,000 to use any way you like Cash payment can be paid directly to you or to anyone you choose Coverage for you, your spouse and/or your family Use the money where you need it Deductibles/coinsurance Prescription drugs How your policy works Restoration benefit coverage in case you have another heart attack or stroke diagnosis or procedure Guaranteed renewable for life Not affected by any other insurance you may have Riders for added flexibility (for an additional premium) Issue ages from Extended hospital stays Unexpected expenses Experimental therapy Rehabilitation With Flexible Choice, you can choose either a Cancer or a Heart Attack & Stroke insurance policy. Or for an additional premium you can add a rider that gives you coverage for both Cancer and Heart Attack & Stroke. You can also customize your coverage by adding other riders (for an additional premium): Recurrence benefit coverage in case you receive a subsequent cancer diagnosis Optional Riders Hospital indemnity benefit coverage to help cover hospitalization expenses Hospital Indemnity Benefit Rider (Form #LY-HI-RD-AL) A trip to the hospital can happen when you least expect it, and it can be costly. With this rider, you can select a benefit amount ranging from $100 $1,000, and we will pay the benefit amount for each day3 (at least 24 hours) that you are confined to a hospital as a result of injury, sickness or complications of pregnancy. Intensive Care Unit Indemnity Benefit Rider (Form #LY-ICU-RD-AL) When an injury, sickness or complications of pregnancy require a trip to the intensive care unit, this rider will provide a selected benefit amount, from $100 $1,000, payable for each day3 (at least 24 hours) that you are confined4 to the intensive care unit as an inpatient. Hospital and Intensive Care Unit Indemnity Benefit Rider (Form #LY-HICU-RD-AL) With this option, the benefits of both the hospital indemnity benefit rider and the intensive care unit indemnity benefit rider are combined into one rider. We will pay the selected benefit amount, from $100 $1,000, for each day3 that you are confined4 to a hospital as an inpatient (double if confined4 to the intensive care unit as an inpatient). Cannot be sold with the hospital indemnity benefit rider or the intensive care unit indemnity benefit rider.

13 Return of Premium Rider (Form #LY-ROP-D) Our return of premium rider can give you some peace of mind should your policy go unused at the time of death. Your loved ones could receive 100% of all premiums paid (policy and riders) from the rider effective date, less claims paid, as long as the policy is paid up and in force when you pass. Cancer insurance Heart Attack & Stroke insurance Qualifying Events A Flexible Choice Cancer insurance policy pays 100% of your selected benefit amount from $5,000 to $100,000 if you are diagnosed with cancer while your policy is in force. Cancer Recurrence Benefit Rider (Form #LY-CR-RD) If you are concerned about your cancer returning, our cancer recurrence benefit rider5 may pay a percentage of your selected benefit amount (not to exceed an additional 100%). Benefits are payable as long as you have not received advice or treatment for at least two years from the date of your last cancer diagnosis. With our Flexible Choice Heart Attack & Stroke insurance policy, you can receive a percentage of your selected benefit amount ($5,000 to $100,000) if you experience one of the qualifying events shown below. Benefits can be paid up to the maximum amount of your selected benefit amount. Heart Attack & Stroke Restoration Benefit Rider (Form series #LY-HR-RD) The extra coverage provided by this rider will pay a percentage of your selected benefit amount if you suffer subsequent heart attacks, strokes or require a heart transplant not to exceed an additional 100% of your selected benefit amount. These benefits are payable if the date of your last diagnosis for a heart attack, stroke or heart transplant was at least two years before your current diagnosis. Heart attack Heart transplant - 100%, Stroke-100%, Coronary artery bypass surgery*-25%, Aortic surgery*-25%, Heart valve replacement/ repair*- 25, Angioplasty*-10% Stent*-10% Ex. Monthly Premium Benefit Amount $10,000 $20,000 $30,000 $40,000 $75, yr old male /Fem -Cancer $9.50 $19.00 $28.50 $38.00 $ yr old male / Fem -Heart $26.25 $53.00 $79.50 $ $198.75

14 What the base Policy Offers CANCER TREATMENT INSURANCE POLICY Coverage for you, your spouse and/or your family Issues ages from Paid regardless of any other insurance you may have Guaranteed renewable for life (subject to the company s right to increase premiums on a class basis) Riders for added flexibility (For an additional premium) You can select the benefit amounts that best fit your lifestyle and your budget. In addition to the benefits in your base policy, you have the flexibility to add the following riders (for an additional premium). Covered benefits A Lump Sum Cancer Rider or Heart Attack & Stroke Rider ($5,000 to $100,000) A rider to help cover hospital or intensive care unit (ICU) stays A Return of Premium Rider if the policy is not used before death Should you receive a cancer diagnosis, we are here to help you pay for the care and treatment. The following benefits are included in your policy. Refer to the chart for benefit amounts. Hospital Confinement Benefit Should your cancer treatment require that you stay at the hospital or the intensive care unit (ICU) of a hospital as an inpatient, we will pay a daily benefit amount for the first 30 days of confinement. If confinement continues after the 30th day, the daily benefit amount doubles. Outpatient Diagnostic Benefit If you receive a positive diagnosis of cancer within 90 days of incurring a charge for any type of laboratory test, biopsy, x-ray or other imaging tests, we will pay this benefit amount. Not payable for multiple diagnoses of the same cancer or for cancer that metastasizes or for recurrence of the same cancer. Limited to a maximum of two payments, per person, per lifetime. Inpatient Drug and Medicine Benefit (Payable only if the Hospital Confinement Benefit is also payable) If you are given drugs and medicine (approved by the U.S. Food and Drug Administration), while confined as an inpatient in a hospital or the ICU of a hospital for the care and treatment of cancer, we will pay the benefit amount for each day that charges are incurred. Excludes inpatient drugs and medicines used for radiation treatment and chemotherapy treatment. Limited to a maximum of 10 days per person, per hospital confinement. Attending Physician Benefit (Payable only if the Hospital Confinement Benefit is also payable) We will pay the benefit amount for each day you receive and incur a charge for the professional services of an attending physician while confine as an inpatient in a hospital or the ICU of a hospital for the care and treatment of cancer.

15 Private Duty Nursing Benefit (Payable only if the Hospital Confinement Benefit is also payable) If a private duty nurse is required while confined as an inpatient in a hospital or the ICU of a hospital for the care and treatment of cancer, we will pay the benefit amount for each day that charges are incurred. The private duty nursing service must be other than the nursing services regularly furnished by the hospital or an immediate family member and must be authorized by the attending physician. Second or Third Surgical Opinions Benefit If your doctor recommends surgery for the care and treatment of cancer, you may seek a second opinion, and we will pay this benefit amount. If the second opinion differs from the initial surgical opinion, we will pay the benefit amount for a third opinion. The second and third opinions must be obtained from a doctor not in practice with the one rendering the initial surgical opinion. Physician s Office Surgical Benefit Should you have surgery performed in a doctor s office for the care and treatment of cancer, we will pay one benefit amount for each day that charges are incurred. Anesthesia for Physician s Office Surgery Benefit (Payable only if the Physician s Office Surgical Benefit is also payable) We will pay the benefit amount for each day that you incur charges for the administration of anesthesia during a surgical procedure performed in a doctor s office for the care and treatment of cancer. Not payable for skin cancer surgeries. Outpatient Facility Surgical Benefit If you have surgery performed at an outpatient facility or on an outpatient basis within a hospital for the care and treatment of cancer, we will pay a benefit amount (once per day, per person) for each day that you incur a charge. Anesthesia for Outpatient Facility Surgery Benefit (Payable only if the Outpatient Facility Surgical Benefit is also payable) We will pay the benefit amount for each day that you incur a charge for the administration of anesthesia during a surgical procedure performed in an outpatient facility or on an outpatient basis within a hospital for the care and treatment of cancer. Not payable for skin cancer surgeries. Inpatient Hospital Facility Surgical Benefit We will pay the benefit amount (once per day, per person) for each day that you incur a charge for surgery performed in a hospital on an inpatient basis for the care and treatment of cancer. Anesthesia for Inpatient Hospital Facility Surgery Benefit (Payable only if the Inpatient Hospital Facility Surgical Benefit is also payable) For each day that you incur a charge for the administration of anesthesia during a surgical procedure performed in an inpatient hospital facility for the care and treatment of cancer, we will pay this benefit amount. Not payable for skin cancer surgeries. Blood, Plasma and Platelet Benefit When you incur a charge for and receive blood, plasma and platelets for the care and treatment of cancer, we will pay the daily benefit amount, except if the blood is replaced by you or your immediate family. Limited to a maximum of 30 days per person, per calendar year. Reconstructive Breast Surgery Benefit Should you need reconstructive breast surgery as a direct result of surgery for cancer covered under the policy, we will pay the benefit amount when you incur a charge for and receive the surgery. Each breast operation is considered a separate surgical event and includes reconstructive

16 surgery on the opposite breast to obtain symmetry after surgery. Surgically Implanted Prosthesis Benefit We will pay the benefit amount when you incur a charge for surgically implanted prosthetic devices that are prescribed as a direct result of surgery for cancer covered under the policy. Does not include coverage for tissue expanders or a breast transverse rectus abdominis myocutaneous (TRAM) ap. Limited to a maximum of two surgically implanted prosthetic devices per person, per lifetime. Non-Surgical Prosthesis Benefit We will pay the benefit amount when you incur a charge for the purchase of a doctor-prescribed prosthetic device that does not require surgical implantation as a direct result of treatment for cancer, such as special bras, removable breast prostheses, voice boxes, ostomy pouches, wigs and hairpieces. Limited to one non-surgical prosthetic device per person, per lifetime. Skin Cancer Benefit Should you get diagnosed with skin cancer, we will pay the benefit amount for each day that a diagnosed skin cancer is removed by a doctor. If more than one skin cancer is removed on the same day, we will only pay one benefit amount per day, per person. Bone Marrow Transplant Benefit We will pay the benefit amount (one per person, per lifetime) when you incur a charge for and receive a bone marrow transplant for the treatment of cancer. Stem Cell Transplant Benefit When you incur a charge for undergoing a peripheral stem cell transplant for the treatment of cancer, we will pay the benefit amount (one per person, per lifetime). Chemotherapy and radiation benefits Immunotherapy Benefit We will pay the benefit amount when you incur a charge for and receive doctor-prescribed immunotherapy for the treatment of cancer. Payable only once per calendar month and is limited to the calendar month in which the charge for immunotherapy is incurred. Limited to a maximum of five calendar months per calendar year, per person. Injected Chemotherapy Benefit We will pay the benefit amount for each calendar week in which you incur a charge for and receive doctor- prescribed injected chemotherapy for the treatment of cancer. Not payable for non-melanoma skin cancer. Non-Hormonal Oral Chemotherapy Benefit We will pay the benefit amount when you incur a charge for and receive doctor-prescribed non- hormonal oral chemotherapy for the treatment of cancer. Payable only once per calendar month, per person, even if more than one drug is prescribed within the calendar month and is limited to the calendar month in which the charge for non-hormonal oral chemotherapy is incurred. Not payable for non- melanoma skin cancer.

17 Hormonal Oral Chemotherapy Benefit We will pay the benefit amount when you incur a charge for and receive doctor-prescribed hormonal oral chemotherapy for the treatment of cancer. Payable only once per calendar month, per person, even if more than one drug is prescribed within the calendar month and is limited to the calendar month in which the charge for hormonal oral chemotherapy is incurred. Limited to a maximum of 36 months per person, per lifetime. Not payable for non-melanoma skin cancer. Anti-Nausea Drug Benefit If you are receiving chemotherapy or radiation therapy, you will receive the benefit amount for each month that you incur a charge for a doctorprescribed anti-nausea drug, excluding medical marijuana. Payable only once per calendar month, per person, even if more than one drug is prescribed within the calendar month and is limited to a maximum of 10 months per person, per calendar year. Radiation Benefit We will pay the benefit amount for each calendar week you incur a charge for and receive radiation therapy for the treatment of cancer. Experimental Treatment for Cancer Benefit The benefit amount will be paid for each day that you incur a charge for and receive hospital, medical or surgical care in connection with experimental treatment for cancer within the United States. Does not include laboratory tests, diagnostic X-rays, immunoglobulins, Immunotherapy, colony-stimulating factors, and therapeutic devices or other related procedures. Limited to a maximum of 30 days per person, per calendar year. Ambulance Benefit When a charge is incurred for your transportation, to or from a hospital, by a licensed professional ambulance company for ground or air transportation with the primary reason of obtaining care or treatment for cancer, we will pay this benefit amount. Limited to a maximum of two combined ground and air ambulance trips per person, per calendar year. Transportation and Lodging Benefit When a doctor prescribes treatment for cancer that cannot be obtained at a hospital or outpatient facility within 100 miles from the center of the city where you live (within the United States), we will pay the following for you and an adult companion (18 years or older). Waiver of premium We will waive future premium payments due under the policy and any attached riders when you meet all of the following conditions. You are diagnosed with cancer after the 30-day waiting period has expired and while you are covered under the policy; and You are totally disabled for more than 60 days as the result of your diagnosis and treatment of cancer; and Premium payments continue for 60 days after the commencement of your total disability. Total disability must begin before the policy anniversary following your 65th birthday. Upon approval of this benefit, waiver of premiums will begin on the next premium due date following 60 days of continuous total disability. If you are no longer totally disabled for at least 30 days, this benefit will be discontinued. Any future total disabilities will be considered a new period of total disability and will need to meet the conditions outlined above. Does not apply to the total disability of your spouse or any child(ren) covered under the policy. Rehabilitative Therapy Benefit

18 We will pay the benefit amount for each day you receive and incur a charge for physical therapy, occupational therapy or speech therapy prescribed by a doctor for the care and treatment of cancer. If more than one type of rehabilitative therapy is provided to you on the same day, we will only pay one benefit for that day. Limited to a maximum of 20 days per calendar year, per person and will only be paid if the services are provided by a registered physical, occupational or speech therapist. Extended Care Facility Benefit We will pay the benefit amount for each day that you incur a charge for confinement in an extended care facility for the care and treatment of cancer. The confinement must begin within 14 days of a hospital confinement covered under the hospital confinement benefit and on the advice of the attending doctor. Not payable on the same day as a hospital confinement benefit payable under the policy. Limited to a maximum of 60 days per calendar year, per person. Hospice Care Benefit For each day that you incur a charge for and receive hospice care from a licensed hospice facility or provider at home, as the result of cancer, we will pay the benefit amount. Benefits will be paid if you are diagnosed as terminally ill with a prognosis for life of six months or less by a doctor and are no longer receiving treatment to cure your cancer. Not payable on the same day as a hospital confinement benefit payable under the policy. Limited to a maximum of 30 days per person, per lifetime. Child Tutorial Services Benefit We will pay the benefit amount for each day (maximum of 30 days per calendar year, per insured child) that your child, covered under the policy, incurs a charge for and receives scholastic tutorial services provided by a tutor accredited by a state, regional or national accrediting organization while receiving treatment for cancer. Counseling Benefit For each day (maximum of 10 days per calendar year, per person) that you incur a charge for counseling sessions with a licensed or certified mental health professional while receiving care and treatment for cancer, we will pay the benefit amount. Child Cancer Diagnosis Benefit If your insured child were diagnosed with cancer and confined to a hospital or the ICU of a hospital for the care and treatment of cancer, we will pay the lump-sum benefit amount (one per insured child, per lifetime). Child Care Benefit (Payable only if the Hospital Confinement Benefit is also payable) For each day that you or your covered spouse incurs charges for dependent child care services by a licensed child care provider or facility while you or your spouse are confined to a hospital or the ICU of a hospital for the care and treatment of cancer, we will pay the benefit amount. Limited to one payment, per day (maximum of 30 days per calendar year) regardless of the number of children you or your covered spouse incur child care service charges for. Pet Boarding or Pet Daycare Benefit (Payable only if the Hospital Confinement Benefit is also payable) We will pay this benefit amount for each day that you or your covered spouse incur charges for pet boarding or pet daycare services at a licensed kennel, pet daycare or veterinarian s office while confined to a hospital or the ICU of a hospital for the care and treatment of cancer. Limited to one benefit payment per day (maximum of 30 days per calendar year) regardless of the number of pets you or your covered spouse incur charges for.

19 Lump Sum Cancer Rider (Form #LY-LSC-RD-AL) Riders For added cancer protection, our Lump Sum Cancer Rider pays 100% of your selected benefit amount, from $5,000 $100,000, upon diagnosis of cancer. This benefit is paid in one lump sum to use in any manner you choose. Lump Sum Heart Attack & Stroke Rider (Form #LY-LSH-RD-AL) The costs associated with an unexpected heart attack, stroke or other heart-related surgery can be overwhelming. With our Lump Sum Heart Attack & Stroke Rider, you can receive a percentage of your selected benefit amount, from $5,000 $100,000, subject to the maximum benefit amount, should you receive a diagnosis or procedure for one of the qualifying events listed below. Qualifying Events Heart attack Heart transplant - 100%, Stroke-100%, Coronary artery bypass surgery*-25%, Aortic surgery*-25%, Heart valve replacement/ repair*- 25, Angioplasty*-10% Stent*-10% Hospital Indemnity Benefit Rider (Form #LY-HI-RD-AL) Should you get sick, have complications of pregnancy or get injured and require hospitalization, this rider will pay the selected benefit amount, from $100 $1,000, for each day2 (at least 24 hours) that you are confined to a hospital. Intensive Care Unit Indemnity Benefit Rider (Form #LY-ICU-RD-AL) When an injury, sickness or complications of pregnancy require a trip to an intensive care unit, this rider will provide a selected benefit amount, from $100 $1,000, payable for each day2 (at least 24 hours) that you are con need to an intensive care unit as an inpatient. Hospital and Intensive Care Unit Indemnity Benefit Rider (Form #LY-HICU-RD-AL) With this option, the benefits of both the Hospital Indemnity Benefit Rider and the Intensive Care Unit Indemnity Benefit Rider are combined into one rider. We will pay the selected benefit amount, from $100 $1,000, for each day2 that you are confined to a hospital as an inpatient (double if confined to the intensive care unit as an inpatient). Cannot be sold with the Hospital Indemnity Benefit Rider or the Intensive Care Unit Indemnity Benefit Rider. Return of Premium Rider (Form series #LY-ROP-D) Our Return of Premium Rider can give you some peace of mind should your policy go unused at the time of death. Your loved ones could receive 100% of all premiums paid (policy and riders) from the rider effective date on, less claims paid, as long as the policy is paid up and in force when you pass away. Ex. Monthly Premium Benefit Amount 200 Plan 400 Plan 600 Plan 40 yr old male /Fem -Cancer $9.16 $15.58 $21.38 $10,000 Lump Sum Cancer or Heart-attack Rider $9.50 $9.50 $9.50

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22 Trio Med - A plan for unexpected out of pocket cost associated with Accidental Medical, Critical Illness and Accidental Death. 40-year-old male non-smoker, $10,000 benefit Option 1 Guaranteed Issue: Includes HA and Stroke $50.60 Option 2 Standard issue: $15,000 CI / $5000 AME $68.52 Cat. 1 Cat. 2 Cat. 3 Additional Benefits Major organ transplant including heart. (25% on bypass surgery and valve replacement) Invasive Cancer (100%), Cancer in Situ (25%) Both after 90 waiting period. End Stage renal failure, major organ transplant, advanced Alzheimer's disease, Coma, ALS, paralysis and severe burns. * Death or dismemberment pays elected amount * L.I.F.E. Membership: discounts include automotive, member travel, ID-Theft, Fitness Programs, unlimited tele-medical services * Get coverage for accident-related health care costs with Accident Medical Expense * Receive lump-sum, cash benefits to help you pay for treatment after a covered, first critical-illness diagnosis. $15,000 and $30,000 critical-illness benefit levels available with standard-issue coverage* * Stay prepared with accidental death benefits Accident Medical Expense (AME) has a $250 deductible. Following a covered accidental injury, this plan will help you cover accident-related medical expenses up to the benefit amount you choose. * Helps you pay costs not covered by other insurance * No limit on the number of covered accidents * Benefits work to compliment your existing health coverage How does Accident Medical Expense work? The average cost of a fractured hip is $12,923.1 Now, let s assume you chose a $5,000 benefit level, and have a primary medical plan with a $5,000 deductible. TREATMENT COST $12,923 PRIMARY MEDICAL PLAN DEDUCTIBLE $ 5,000 TRIOMED PAID $4,750 -$250 Deductible