Health Benefits

Program*

Enjoy the peace of mind that comes with protection for you and your family.
Qualified Associates can participate in our affordable healthcare program that offers medical, dental, vision and other valuable coverages for you and your family. With our limited medical benefits you DONT have to WORRY about pre-existing conditions or long waiting periodsYOU WILL BE COVERED!

Medical

Benefits Ava ilable

Hospital In demnity (2 Tier Plan Individual Designs) Majo Medical/PCIP r

Eligibility Requirements*
Earn a minimum of $300 in commission in the six months prior to enrollment. History of three Autoships with a minimum of 100BV each shipped within the last six months prior to enrollment. New members can enroll upon meeting the criteriano waiting period!

Dental Vision Accident Cancer Universa l Life C r itical Illness 401(k)

*Eligibility requirements may be subject to change.

For questions, or how to enroll, contact a Transtar Benefits Specialist at 1-866-667-8415

Benefits for Isagenix Associates OVERVIEW

LIMITED MEDICAL INSURANCE (Choice of 2 PPO plans through TransAmerica):
Guaranteed Issue (no underwriting and everyone qualifies) First Dollar Benefits (benefits pay before you pay) Covered Benefits Include (calendar year maximums apply): Office Visits Wellness Visits Diagnostic Services Surgical Benefit (see surgical schedule) 24 hour Teladoc In-patient/Hospital Stays/Intensive Care $10,000 Group Term Life Insurance Policy $10 generic Co-Pay Rx card Critical Illness Benefit Nurses Hotline

TRANSSMILE DENTAL:
BASIC Type 1 Diagnostic & Preventative Services Type 2 Basic Restorative Services
($500 maximum per person per policy year)

PREFERRED Type 1 Diagnostic & Preventative Services Type 2 Basic Restorative Services Type 3 Major Restorative Services (12 month waiting period applies)
($1,000 maximum per person per policy year)

VISION PLAN THROUGH ADVANTICA VISION:

Examination Lenses Frames Examination Co-Pay Materials Co-Pay
COVERED BENEFITS INCLUDE:

100% Paid once every 12 months 100% Paid once every 12 months 100% Paid once every 24 months $10 $25
Participating Provider Non-Participating Provider

TRANSLEGACY UNIVERSAL LIFE THROUGH TRANSAMERICA:

Conditional Guaranteed Issue up to $150,000 Builds cash value Portable
(See reverse side for rates)

Examination Single Vision Lenses Bifocal Lenses Trifocal Lenses Frames Contact Lenses Necessary Contact Lenses - Elective

100% 100% 100% 100% 100% 100% 100%

Up to $40 Up to $40 Up to $60 Up to $80 Up to $45 Up to $225 Up to $100

1-866-667-8415

Benefits for Isagenix Associates MONTHLY RATES

TRANSAMERICA LIMITED MEDICAL
Silver Plan Premium Platinum Plan Premium

UNIVERSAL LIFE
Non-Smoker/Age * Example Monthly Rate Death Benefit

Member Only Member/Spouse Member/Child(ren) Family

$ 124.93 $ 203.86 $ 188.30 $ 263.44

$ 206.59 $ 354.60 $ 322.36 $ 464.99

Member/37 Spouse/37

$ 44.81 $ 20.06

$70,000 $30,000

* Example rates, individual underwriting required

TRANSSMILE DENTAL
Basic Plan Premium Preferred Plan Premium

ACCIDENT INSURANCE
Premium

Member Only Member/Spouse Member/Child(ren) Family

$ 18.89 $ 30.97 $ 37.12 $ 52.58

$ 25.30 $ 43.79 $ 45.77 $ 68.06

Member Only Member/Spouse Member/Child(ren) Family

$ 25.39 $ 31.29 $ 31.94 $ 31.94

ADVANTICA VISION
Premium

ALSO AVAILABLE:
Cancer Insurance Family Legal Critical Illness 401k(i)

Member Only Member/Spouse Member/Child(ren) Family

$ 11.93 $ 18.23 $ 18.86 $ 26.37

11-3796 01.27.12

1-866-667-8415

benefit enrollment guide

Call Today! 1.866.667.8415 Monday-Friday 8:00-7:00 EST

Enrolling
is as easy as...

1 2 3
1

We know that you face a lot of challenges, but finding medical coverage should not be one of them. Isagenix is proud to offer its members a Personal Protection Package that is comprehensive, yet affordable. Review the benefits in this brochure and enroll today! Review and choose the programs you need! Call 1.866.667.8415 to have your questions answered by the enrollment center and to enroll! A pin code will be created for you and will serve as your signature. Paying for your premiums is easy through our payroll deduction program!

1 -2- 3

By becoming a member of NAWP, for only $6 per month, you will recieve access to many great benefits! Call today for more information.

Inside this brochure

3 Limitations & Exclusions..................................................................................................... 5 Non-Insurance Programs.................................................................................................... 6 TransSmile Group Dental Insurance................................................................................ 7 Vision Care............................................................................................................................... 8 Universal Life.......................................................................................................................... 9 Accident Select....................................................................................................................... 10 Cancer........................................................................................................................................ 11 Major Medical....................................................................................................................... 13 Critical Illness.......................................................................................................................... 14
TransChoice Plus A Group Limited Benefit Hospital Indemnity Insurance Plan................................. 401K(i)........................................................................................................ Call for more information!

Enroll Today!

Coverage to Include

TransChoice Plus

Outpatient Benefits

A Group Limited Benefit Hospital Indemnity Insurance

Silver Platinum

Doctor Office Visit

This benefit pays the amount shown per physicians office visit as a result of a sickness or accident. Benefits are payable for a maximum of six visits per calendar year per person.

$80

$100

Wellness Visit
This benefit will pay the selected amount for each covered person who undergoes the following: physical examinations immunizations prostate-specific antigen tests mammograms flexible sigmoidoscopy pap smears blood screenings

$100

$150

This benefit is payable one time per calendar year for each covered person. Services must be under the supervision of or recommended by a physician, and a charge must be incurred.

Diagnostic Tests X-Ray and Lab

This benefit pays the amount shown per testing day for tests performed for the purpose of diagnosis of a covered sickness or accident as indicated by symptoms that would suggest an injury or sickness had occurred. The benefit is limited to four days of testing per calendar year per covered person and is not payable while the insured is confined in a hospital (i.e., it applies to outpatient services only).

$100

$150

In-Hospital Indemnity Benefits Daily In-Hospital Indemnity Benefit

When a covered person is confined in a hospital as a result of an accident or sickness, this policy pays the benefit amount for each day the insured is confined in a hospital, up to a maximum of 30 days per confinement.

$300

$600

In-Hospital & Surgical Additional Indemnity Benefit

When a covered person is confined in a hospital as a result of an accident or sickness, this policy pays the benefit amount for the first occurrence that the insured is confined in a hospital. This benefit is payable only once each calendar year for each covered person. Benefit pays in addition to the Daily-In-Hospital Indemnity Plan.

$0

$1,000

Intensive Care
Up to 30 days per calendar year; if you are confined in a hospital intensive care unit due to an injury recieved in a covered accident or because of a covered sickness.

$300

$600

Accident Injury Benefit Accident Injury Benefit*

Pays for medical expenses such as ambulance, hospital room and board, and lab tests resulting from an injury caused by a covered accident; pays up to the policy limit after a $100 deductible

$0

Up to $1,000 per accident $2,000

Accidental Death & Dismemberment*

Pays lump sum benefit defined under the plan for all covered accidents.

$0

Surgical & Anesthesia Indemnity Benefit Surgical Benefit (see Surgical Schedule)
When a covered person undergoes a surgical procedure listed in the Schedule of Surgical Indemnity Benefits in the certificate as a result of an accident or sickness, the policy pays the benefit amount shown in the Schedule based on the plan level selected by the group. If two or more procedures are performed through the same incision or operative field, the benefit paid will be for only the procedure that has the larger benefit. If more than one procedure is performed but each through a separate incision or in a separate operative field, the amount payable will be the specified amount for the primary procedure plus 50% of the amount payable for all other surgical procedures performed.

$1,000

$2,500

Anesthesiology
The anesthesia benefit is 20% of the surgical benefit amount.

$200 Group Term Life Insurance

$500

Term life available for member, spouse and children. Term life with full benefit amounts for member. Member Life $10,000 / Spouse Life $5,000 / Children Life $2,500

Included

Included

Coverage to Include

TransChoice Plus

Member Discount Card Nationwide PPO Network Critical Illness

A Group Limited Benefit Hospital Indemnity Insurance

Silver Platinum

Discount Card

Included

Included

PPO Network

Included

Included

When a covered person is diagnosed with a covered critical illness, the selected amount will be paid.* This amount is payable up to two times for each covered person, first under the Critical Illness Indemnity Benefit and then under the Subsequent Critical Illness Indemnity Benefit, and is paid in addition to any other benefits paid by the TransChoice policy. The Subsequent Critical Illness Indemnity Benefit is paid if the covered person is diagnosed as having a subsequent and separate covered critical illness more than sixty (60) days after the first one. After the waiting period has expired, benefits are payable for the following critical illnesses:

$5,000

$10,000

Cancer (including Leukemia and Hodgkins Disease, except Stage 1 Hodgkins Disease); Heart attack (diagnosis must be based on EKG changes consistent with injury, elevation of cardiac enzymes, and con Stroke (the diagnosis must be based on documented neurological deficits and confirmatory neuroimaging studies); End stage renal failure (chronic, irreversible failure of the function of both kidneys such that a covered person must un Major organ transplant (undergoing surgery as a recipient of a transplant of a human heart, lung, liver, kidney, or pan Skin cancer including basal cell epitheloma or squamous cell carcinoma; does not include malignant melanoma or myco Carcinoma In Situ (cancer that is confined to the site of origin without having invaded neighboring tissue).
Dependant coverage equal to 50% of this benefit. sis fungoides; and creas); dergo regular hemodialysis or peritoneal dialysis at least weekly); firmatory imaging studies);

Additional Benefits Skilled Nursing Facility - 60 days per year per covered person Mental Nervous - Maximum of 30 days per covered person per calendar year Emergency Room Sickness - 2 visits per calendar year per covered person Ambulance Indemnity Benefit - Maximum of 3 trips per calendar year per covered person. Prescription Benefit Prescription Drug Indemnity Benefit**
Brand / Generic, $10 Retail Co-Pay Formulary Generic / $50 Retail Co-Pay Formulary Brand; Mail: $30 Co-Pay Formulary Generic / $150 Co-Pay Formulary Brand, $750 / $1,000 Annual Maximum

$0 $0 $100 $150

$360 $500 $200 $200

Included

Included

Premium Rate
Member Silver Monthly Platinum Monthly Member + Spouse Member + Child(ren) Family

$119.93 $201.59

$198.86 $349.60

$183.30 $317.36

$258.44 $459.99

Underwritten by Transamerica Life Insurance Company, Home Office, Cedar Rapids, IA. Policy Form Series CPCH0200 and CCCH0200. Administration provided by First Service Administrators, Lakeland FL *Underwritten by Zurich, Schaumburg, IL **Underwritten by Companion Life Insurance Company, Columbia, SC

TransChoice Plus Group Limited Benefit Hospital Indemnity Insurance Policy Form Series CPCH0200 and CCCH0200

Limitations & Exclusions

No benefits will be payable as the result of: suicide or any attempt thereof, while sane or insane. In the event of suicide, the companys liability may be limited to only the return of premiums paid. In Missouri, suicide is no defense to payment of benefits unless the company can show the insured intended suicide when he/she applied/ enrolled for coverage; any intentionally self-inflicted injury or sickness; rest care or rehabilitative care and treatment; immunization shots and routine examinations such as physical examinations, mammograms, pap smears, immunizations, flexible sigmoidoscopy, prostate-specific antigen tests and blood screenings unless the Wellness Benefit is included; routine newborn care, including routine nursery charges; the treatment of mental illness; functional or organic nervous disorder, regardless of cause; alcohol abuse; drug use, unless such drugs were taken on the advice of a physician and taken as prescribed. In such circumstances and with respect to payment of the Daily In-Hospital Indemnity Benefit, benefits will be limited to no more than 10 days in any calendar year; participation in a riot, civil commotion, civil disobedience, or unlawful assembly; committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation; participation in an organized contest of speed, parachuting, parasailing, bungee jumping, or hang gliding; air travel, except as a fare-paying passenger on a commercial airline on a regularly scheduled route, or as a passenger for transportation only and not as a pilot or crew member; any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician or taken according to the physicians instructions) or while intoxicated (intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred); any procedure or treatment to change physical characteristics to those of the opposite sex and other treatment related to sex change; the reversal of tubal ligation and vasectomies; artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications, or physicians services, unless required by law; any loss incurred while on active duty status in the armed forces (if the insured notifies Transamerica of such active duty, Transamerica will refund any premiums paid for any period for which no coverage is provided as a result of this exception); accidents or sicknesses arising out of and in the course of any occupation for compensation, wage, or profit OR expenses which are payable under Occupational Disease Law or similar law, whether or not application for such benefits has been made; air or ground ambulance transportation (unless the Ambulance Benefit has been included); routine eye examinations or fitting of eye glasses; hearing aids or fitting of hearing aids; dental examinations or dental care other than expenses resulting from an accident; care or treatment of an accident or sickness not specifically provided for in the plan; with respect to the Off-the-Job Accidental Injury Benefit only, charges that the covered person is not legally required to pay, or charges which would not have been made if this coverage had not existed; treatment of an accident or sickness made necessary by or arising from war, declared or undeclared, or any act of war; or any surgical procedure not specifically listed in the Schedule of Surgical Indemnity Benefits.

Group Term Life Insurance Policy Policy Form Series CP100200 and CC100200
We will not pay a death benefit if an insured dies by suicide, while sane or insane, within two years of the date of his/her insurance starts. In the event of suicide, the Companys liability may be limited to only the return of premiums paid. In Missouri, suicide is no defense to payment of benefits unless the Company can show the insured intended suicide when he/she applied/ enrolled for coverage. If any death benefit is increased, this suicide exclusion starts anew, but will apply only to the amount of the increase.

AD&D Rider Rider Form Series CR101100

We will not pay any benefits if the loss, directly or indirectly, results from any of the following, even if the means or cause of the loss is accidental: suicide or intentionally self-inflicted injury, while sane or insane. In the event of suicide, the Companys liability may be limited to only the return of premiums paid. In Missouri, suicide is no defense to payment of benefits unless the Company can show the insured intended suicide when he/she applied/enrolled for coverage; commission of or attempt to commit an assault or felony; sickness or mental illness, disease of any kind, or medical or surgical treatment for any sickness, illness or disease; injuries received while under the influence of alcohol, a controlled substance or other drugs as defined by the laws of the State where the accident occurs, except as prescribed by a doctor; any poison or gas voluntarily taken, administered, absorbed, or inhaled (except in the course of employment); flight in any kind of aircraft, except as a fare paying passenger on a regularly scheduled commercial aircraft; any bacterial or viral infection; declared or undeclared war, or any act of war; and taking part in an insurrection.

Termination of Insurance
Your insurance will cease on the earliest of: 1. The last day of the payroll deduction period during which You cease to be eligible for coverage; 2. The end of the last period for which premium payment has been made to Us; 3. The date the Policy terminates; or 4. The last day of the payroll deduction period during which You terminate employment. The insurance on a Dependent will cease on the earliest of: 1. The date Your coverage terminates; 2. The end of the last period for which premium payment has been made to Us; 3. The date the Dependent no longer meets the definition of Dependent; or 4. The date the Policy is modified so as to exclude Dependent coverage. We will have the right to terminate the coverage of any Covered Person who submits a fraudulent claim under the Policy. Refer to the policy and certificate for complete details.

ACCESS TO DISCOUNT MEDICAL BENEFITS & SERVICES

Non-Insurance Programs
COUNSELING SERVICES The Counseling Services benefit allows the member to speak with a counselor 24 hours a day, 7 days a week regarding any personal problems they may be facing. In addition, if the member is referred to one of the 27,000 counseling providers nationwide, they will receive discounts of 25%-30% off the normal billing charges from those providers.* *Discounts on professional services are not available where prohibited by law. BEECH STREET NETWORK (NON-INSURANCE) Our national Preferred Provider Organization (PPO) offers a medical provider network with over 520,000 physicians and more than 3,500 hospitals throughout the United States. Members have access to a broad network of independently contracted physicians, hospitals, and healthcare professionals who provide services at negotiated, discounted rates. While all limited benefit plans may seem equal, using the PPO network (combined with our knowledge and years of healthcare experience) allows members to save dollars on their healthcare services. For more information, visit www.beechstreet.com. TELEDOC Teledoc allows a member access to telephone medical consults with licensed physicians who diagnose medical problems and prescribe short-term medication when appropriate. All licensed physicians specialize in telephone medical consults. They are primary care physicians, internists, and urgent care physicians. Physicians are available 24 hours a day, 365 days a year. MEMBER SERVICES Members can access benefit information and other services by dialing one toll free number. We are available Monday through Friday from 8:00 a.m. To 7:00 p.m. Eastern Standard Time to provide information on the following: Account management Member eligibility Verification of benefits General policy questions PPO network information Patient advocacy program

In addition to the hospital indemnity benefits provided by Transamerica Life Insurance Company, the plans include a provider network and many other discounts offered by other vendors as noted below: MEMBER DISCOUNT CARD This card is provided by New Benefits, Ltd. It offers members access to the Nurses Hotline, counseling services, and benefits for hearing aids. This is not an insurance plan. Information on how to access the benefits of the Member Discount Card will be included in the fulfillment package that each insured member receives. NURSES HOTLINE The Nurses Hotline allows access to experienced, registered nurses 24 hours a day, 7 days a week, 365 days a year. The hotline nurses are an immediate, reliable, and caring source of health information, education, and support. Services provided by this plan include: General information on all types of health concerns Information based on physician-approved guidelines Answers about medication usage and interaction Information on non-medical support groups Translation services for non-English speaking callers Full-time medical director on staff HEARING AID BENEFIT The Hearing Aid benefit provides savings of up to 15% off the retail cost on over 70 models of hearing aids and a free hearing test when utilizing one of the 1,200 participating Beltone locations nationwide. The member can also realize savings of up to 50% off the suggested retail price on over 90 models of hearing aids in over 1,000 locations nationwide.*

WMD TYEN1NON 0811

TransSmile Dental Insurance

Services*
Type I Diagnostic & Preventative** Type II Basic Restorative Services*** Type III Major Restorative Services****

Coverage
100% 80% 50%

Basic

Preferred

p p

p p p

* Out of network reimbursement based on maximum allowable (MA). ** Type I services include: exams, cleanings, topical fluoride, space maintainers and bitewings *** Type II services include: x-rays, emergency treatment for pain, fillings, and simple extractions. **** Type III services include: denture repair, oral surgery (except TMJ), non-surgical periodontics, surgical periodontics, periodontal maintenance, crowns, inlays, onlays, veneers endodontics, prosthodontics and implants. (12 month waiting period for Type III); other limitations and exclusions may apply. See policy for details.

Additional Benefit Information

Waiting Period Type III Services 12 month waiting period Dependent Eligibility Eligible dependents of the insured include the insureds lawful spouse and unmarried children less than 19 or less than 26 if a full-time student. Annual Maximum Applies individually to member and each covered family member per policy year. Basic Preferred Annual Deductible Applies to Type II and III Basic Preferred

$500 $1,000

$50 $50

Monthly Rates
Member Only Member, Spouse Member, Child Family

Basic
$16.89 $28.97 $35.12 $50.58

Preferred
$23.30 $41.79 $43.77 $66.06

TransSmile Group Dental Insurance is underwritten by Transamerica Life Insurance Company. Home Office: Cedar Rapids, IA, Policy Form Series CPDEN100, CCDEN100. *Rates do not apply in the State of California. Please request rates for California residents.

Insurance coverage underwritten by National Guardian Life Insurance Company.National National Guardian Life Insurance Company Insurance coverage underwritten by National Guardian Life Insurance Company. Guardian Life Insurance Company not liated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life. isis not a a liated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life.

VisionCoverage Coverage Vision

Benets ts Bene
Examination Examination Lenses Lenses Frames Frames Examination Co-Pay Examination Co-Pay Materials Co-Pay Materials Co-Pay Once every 12 months Once every 12 months Once every 12 months Once every 12 months Once every 24 months Once every 24 months $10 $10 $25 $25

Benets ts Bene
Examination Examination Single Bifocal /Trifocal Lens (Standard Plastic) Single // Bifocal /Trifocal Lens (Standard Plastic) Polycarbonate Lenses Polycarbonate Lenses Standard Progressive Lenses Standard Progressive Lenses Standard Photochromic Lenses Standard Photochromic Lenses Frames** Frames** Contact Lenses-Medically Necessary*** Contact Lenses-Medically Necessary*** Contact Lenses-Elective**** Contact Lenses-Elective**** Contact - Fitting Contact - Fitting Laser Eye Surgery Laser Eye Surgery

Participating Provider Participating Provider

100% 100% 100% 100% $0 for members age 19 and under, $0 for members age 19 and under, $30 for members over age 19 $30 for members over age 19 $50 additional co-pay $50 additional co-pay $60 additional co-pay $60 additional co-pay 100% 100% $250 allowance $250 allowance $100 allowance $100 allowance $30 allowance $30 allowance

Non-Participating Provider* Non-Participating Provider*

Up to $40 Up to $40 Up to $40 $60 $80 Up to $40 // $60 // $80 N/A N/A N/A N/A N/A N/A Up to $45 Up to $45 Up to $225 Up to $225 Up to $100 Up to $100 N/A N/A

Access to discounted refractive eye surgery procedures from selected Access to discounted refractive eye surgery procedures from selected provider locations. provider locations.

Monthly Rates Monthly Rates Monthly Rates

Member Only Member Only Member Only Member, Spouse Member, Spouse Member, Spouse Member, Child Member, Child(ren) Member, Child(ren) Family Family Family $9.93 $6.93 $6.93 $16.23 $13.23 $13.23 $16.86 $13.86 $13.86 $24.37 $21.37 $21.37

*All out-of-network reimbursement must be submitted Advantica and are subject co-pays. *All out-of-network reimbursement must be submitted toto Advantica and are subject toto co-pays. **100% coverage applies frames on Providers special frame selection. outside special frame selection, member receives $100 allowance. **100% coverage applies toto frames on Providers special frame selection. If If outside special frame selection, member receives aa $100 allowance. ***Limited Aphakia, Keratoconus Severe Anisometropia and requires pre-authorization by Advantica. ***Limited toto Aphakia, Keratoconus oror Severe Anisometropia and requires pre-authorization by Advantica. ****This benet is t is paid only once during the Group s Benet Period t Period and must be fully utilized the time purchase. ****This bene paid only once during the Group s Bene and must be fully utilized atat the time ofof purchase.

A GROUP UNIVERSAL LIFE INSURANCE POLICY

TransLegacy

SM

Program Description
Benefit Levels

Group Universal Life Insurance Policy

Conditional guaranteed issue is up to $150,000 not to exceed $18.00 per week of premium; spouse issue is up to $6.00 per week not to exceed $50,000; eligible dependent children issue is up to $25,000 or $10,000 for term rider 90 days Conditional guarantee issue The policy builds with a guaranteed interest rate of 4%; current interest rate is 5.25%. Yes. If you retire or leave your group, you can take comfort in knowing that the individual rate for your coverage wont change because you leave. Pays an additional death benefit up to $100,000 matching your face amount for death resulting from an accident; rider terminates at age 70. AD&D is not available to children. Option for member and spouse to add additional coverage without producing evidence of insurability; members up to age 65 can increase the policy face amount on their first five contract anniversary dates; spouses up to the age of 60 can increase the policy face amount on their first three contract anniversary dates; premium will increase by $52.00 annually. Example*

Eligibility Evidence of Insurability Cash Value Accumulation

Portable

Accidental Death & Dismemberment Rider

Automatic Face Amount Increase Rider

Age/Non-Smoker Age 37 - Member Age 37 - Spouse

Monthly Deduction $44.81 $20.06

Death Benefit $70,000 $30,000

*Rates are based upon age and tobacco usage. You must speak with a benefits counselor to receive your applicable rate. TransLegacy is underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids, IA). Their customer service number is 888.763.7474. General policy form series CPGLDU00 and CCGLDU00. Other limitations and exclusions apply. Please refer to your contract and riders for complete details. May not be available in all jurisdictions.

Those who are inadequately insured may risk their financial security.
TransLegacy Universal Life Insurance complements existing coverage and helps provide additional financial security for you and your eligible family members.

AN ACCIDENT ONLY INSURANCE POLICY

AccidentSelect

Policy Description Highlights Descriptio

Initial Hospitalization for Injury Benefit Accident Emergency Treatment Benefit Accident Hospital Income Benefit Appliances Benefit Physical Therapy Benefit Prosthesis Benefit Accident Follow-up Treatment Benefit Wellness Benefit Ambulance Benefit Accidental Death Motorized Vehicle or Pedestrian Accidents Common Carrier Accident

Benefits
$500 per person, per calendar year $100 for member or spouse paid once per covered accident $70 for children paid once per covered accident Hospital - $100 per day up to 365 days per year with 30 days of accident ICU - $300 per day up to 15 days per covered person per covered accident $100 per accident, per person $50 per treatment, one treatment per day - up to six treatments per covered accident $500 per person, per covered accident $25 per visit up to a maximum of 3 treatments within 6 months per covered person, per covered accident $60 annual benefit for the insured or any one covered family member after the first 12 months of paid premium $150 Ground Ambulance $600 Air Ambulance Member - $25,000 Spouse - $12,500 Child - $2,500 Member - $35,000 Spouse - $17,500 Child - $3,500 Pays the percentage of the accidental death benefit: Both arms and legs - 100% Two arm or two legs - 50% Two eyes, hands, or feet - 50% One eye, hand, foot, arm, or leg - 20% One or more fingers and/or one or more toes - 5% Pays benefits for dislocations, burns, ruptured discs, torn knee cartilage, eye injuries, lacerations, internal injuries, fractures, and for blood plasma. Benefits range from $30-$2,000. Ask for copy of rider for specific amounts payable and definitions and limitations for each specific accident. (Benefits will not be paid for services rendered by a member of the immediate family of a covered person) On or off the job accidents

Accidental Dismemberment

Specific Sum Injuries

Benefits Covered Rates Monthly Rates Member $25.39

Member+Spouse $31.29

Member+Child(ren) $31.94

Family $37.84

Underwritten by Transamerica Life Insurance Company (Home Office: Cedar Rapids, IA) Policy form TPA0100 or CP500100 & Rider Services TRA0100 or CR500100, TRA0200 or CR500200, TRA0300 or CR500300, TRA0400 or CP500400, TRA0500 or CR500500, TRA0700 or CR500700, TRA0800 or CR500800, TRS0100 or CR500900, TRW0100 or CR501000 and TRIH0200 or CR501100. This is a brief summary of AccidentSelect benefits. Limitations and exclusions may apply. Refer to the contract and riders for complete information. Not available in all jurisdictions.

10

Program Description
Portable

Cancer Select Plus

Yes $200 per day.

Hospital Confinement & Extended Benefits Government Hospitals Radiation & Chemotherapy (In/Outpatient) Related Radiation & Chemotherapy Expenses

$200 per day/up to 90 days, beginning 91st day $400 per day.

Actual charges up to $15,000 maximum per 12 month benefit period. $750 per calendar year for treatment consultation and planning, radiation management, physical exams, checkups, laboratory or diagnostic tests when authorized by a radiologist, chemotherapist or oncologist per 12 months. Actual charges up to $15,000 per year for drugs, chemicals, surgery or therapy approved by FDA, NCI, or ACS. Treatment must be received in a US hospital when authorized by the attending physician. $200 per day during hospital confinement. Up to $3,000 for in-hospital surgery and up to $4,500 for outpatient surgery. Up to $750 for reconstructive surgery within two years of cancer removal. Benefit is equal to 25% of surgery benefit. $225 1st removal; $105 per additional removal. Actual charges up to $1,500 per prosthetic device that requires implantation. Hair prosthesis up to $150 for wig or hair piece related to hair loss from cancer treatment. $40 per day during hospital confinement. $30 per day or during confinement. Actual incurred charges up to $15,000 per 12-month benefit period (except when replaced by donated blood when there is no charge to the covered person). $300 when surgery is prescribed treatment. $200 per day at hospice center or hospice home visit: Lifetime maximum 100 days. $200 per continuous confinement. Private vehicle- $0.40 per mile up to 750 miles for hospital confinement located more than 50 miles from your residence. Commercial travel- Actual round trip charges. Hospital located more than 100 miles from residence $100 per day with maximum benefit of 50 days per calendar year. $200 per day, up to the number of days of the hospital stay, when admitted within 14 days of discharge. $50 per treatment (limit one per day). Premiums are waived after insured is totally disabled for 60 days due to cancer. Pays $50 per unit per calendar year for covered cancer screening tests: mammograms, pap smears, flexible sigmoidoscopy, prostate-specific antigen tests, chest x-rays, hemocult stool specimen, ultrasounds, CEA, CA125, biopsy, thermography, colonoscopy, serum protein electropheresis, bone marrow testing, and blood screenings. Service must be under the supervision of or recommended by a physician, and charge must be incurred. Actual charges up to $1,000 for any combination of listed cancer maintenance therapy expenses per calendar year.

Experimental Treatment

Private Duty Nurse Surgery Reconstructive Surgery Anesthesia Skin Cancer Surgery Prosthesis Attending Physician Inpatient Drugs & Medicines Blood, Plasma, & Platelets Second Surgical Opinion Hospice Care Ambulance Transportation Benefit

Family Lodging Benefit Extended Care Facility Physical Therapy & Speech Therapy Waiver of Premium Wellness Benefit

Cancer Suppressive Therapy, Hematological Drugs, Anti-Nausea Drugs, and Motility Drugs

Rates Monthly Rates $15,000 Radiation, Chemotherapy & Blood

Member $24.51

Member-Child $28.02

Family $44.76

11

Underwritten by Transamerica Life Insurance Company (Home Office in Cedar Rapids, IA) Policy form series CPCAN200 or CCCAN200.

cancerselectplus Cancer Select Plus Limitations & Exclusions limitations & exclusions

We may reduce or deny a claim or void the policy and all riders as follows:

During the first 24 months if the member makes a material misrepresentation on the application; or At any time if the member makes a fraudulent misstatement (this item does not apply in Georgia, Nebraska, or North Carolina). Limitations & Exclusions This policy provides benefits only for cancer defined in Section A Definitions which is positively diagnosed while this policy is in force. It does not provide benefits for any other illness or disease. No benefits are provided during the first 2 years for any person diagnosed with cancer prior to the effective date of such persons coverage. We will only pay for loss as a direct result of cancer. Proof of positive diagnosis must be submitted to us for each new claim (except as stated under Section E, Item 22 Skin Cancer). We will not pay for any other disease or incapacity that has been caused, complicated, worsened, or affected by as a result of cancer. We may reduce or deny a claim or void the policy for loss incurred by a covered person: During the first 2 years from the effective date of such coverage for any misstatements in the application which would have materially affected our acceptance of the risk; or At any time for fraudulent misstatements in the application Under no condition will we pay any benefits for losses or medical expenses incurred prior to the effective date. Termination Under a Family policy, your (the insured) spouses coverage will end upon the earlier of: The death of your spouse; A valid decree of divorce received from the insured; or Your written notice to end coverage which is effective upon our receipt of said notice. Under a Single Parent Family policy or a Family policy, coverage will end on a dependent child upon the earlier of the childs: Death; Marriage; Attainment of age 19; Attainment of age 25 if a full-time student at a regular educational institution; or Written notice to end coverage which is effective upon our receipt of said notice.

Coverage on the insured will end upon the earlier of the insureds: Death; Failure to pay the renewal premium before the grace period ends; or Your written notice to end coverage which is effective upon our receipt of said notice.

Coverage will end on each covered person if the renewal premium is not paid before the grace period expires.

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Make smart, simple and economical decisions when choosing health insurance. Enrollment First offers you this by shopping with multiple insurance carriers to find the insurance plan that fits your individual needs and budget. How Enrollment First can help you: We help you individualize a plan that will fit both your needs and your budget. We offer several different co-insurance plans (e.g. 100/0, 80/20, 60/40, 50/50). You choose your deductible to reflect your monthly premium target ($500-$5,000). We offer prescription drug benefits. We offer a set maximum out-of-pocket expense. We offer worldwide coverage. We offer HRA. We have a nationwide network. Other health benefits: Wellness benefit Emergency room Hospitalization Organ transplants Ambulance benefits Rehabilitation benefits

Major Medical

Personalized individual and family quotes available from: Assurant Golden Rule Anthem BC/BS Humana One Regency BC/BS Aetna State-affiliated BC/BS

Pre-Existing Condition Insurance Plan (PCIP)

Have you been denied coverage due to a pre-existing condition? You are now eligible for coverage through the Pre-Existing Condition Insurance Plan, created under the Affordable Care Act! PCIP enrollees can choose from three plan options, with different levels of premiums, calendar year deductibles, prescription deductibles and prescription copays. The HSA Option provides an opportunity to pen a Health Savings Account, a tax-exempt account where you can deposit funds for eligible medical expenses. Each of the three PCIP Plan options provides preventive care (paid at 100%, with no deductible) when you see an in-network doctor and the doctor indicates a preventive diagnosis. Included are: Annual Physicals Flu Shots Routine Mammograms Cancer Screenings For other care, you will pay a deductible before PCIP pays for your health care and prescriptions. After you pay the deductible, you will pay 20% of medical costs in-network. The maximum you will pay outof-pocket for covered services in a calendar year is $5,950 in-network and $7,000 out-of-network. There is no lifetime maximum or cap on the amount the plan pays for your care.

Am I Eligible?
To be eligible for the Pre-Existing Condition Insurance Plan, you must be a citizen or national of the United States or residing in the U.S. legally, have been uninsured for at least the last six months, and have a pre-existing condition or have been denied coverage because of your health condition.

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A GROUP CRITICAL ILLNESS INSURANCE POLICY

CriticalAssistance Plus
SM

Group Critical Illness insurance provides a lump-sump benefit to help cover out-of-pocket medical expenses and the costs associated with life changes following a covered critical illness. Policy Features Lump-sum benefits paid directly to the insured following the diagnosis of each covered critical illness Coverage may be continued until benefits have been paid in full for each covered critical illness Guaranteed issue is available for participant coverage and is subject to the participation requirement Benefit amount available from $5,000 up to $50,000 for participants and $25,000 for spouses Annual health screening benefits After the waiting period, an insured my receive up to 100% of the benefit selected upon the first diagnosis of each covered critical illness If an insured collects full benefits for a critical illness under the policy and later has one of the remaining covered illnesses, we will pay the full benefit amount for any additional illness; occurrences must be separated by at least 6 months. If an insured receives the full benefit for a covered condition and is later diagnosed with the same condition, we will pay the full benefit again. The two dates of diagnosis must be separated by at least 12 months or 12 month treatment free for internal cancer.

First Occurrence Benefit Additional Occurrence Benefit

Re-Occurrence Benefit

Covered Critical Illnesses* Illness covered under plan

Heart Attack Stroke Major Organ Transplant Renal Failure (end stage) Internal Cancer Carcinoma in Situ** Coronary Artery Bypass Surgery**

Percentage of face amount

100% 100% 100% 100% 100% 25% 25%

Additional Benefit
Heart Transplant Surgery 100% Paralysis not due to stroke - all 4 limbs - 100% Burns - 3rd degree or 50% coverage - 100% Angioplasty/Stent - 5% Prostate Cancer with TNM Classification of TI - 25% Skin Cancer - 5% Cancer Screening Benefit - $50.00 per calendar year

Sample Monthly Rates (non-tobacco rates)

Age 18-35 36-45 46-55 56-60 61-64 65+ $5,000 $5.25 $8.60 $14.15 $20.20 $29.90 $33.40 $10,000 $8.50 $15.20 $26.30 $38.40 $57.80 $64.80 $15,000 $11.75 $21.80 $38.45 $56.60 $85.70 $96.20 $20,000 $15.00 $28.40 $50.60 $74.80 $113.60 $127.60 $25,000 $18.25 $35.00 $62.75 $93.00 $141.50 $159.00 $30,000 $21.50 $41.60 $74.90 $111.20 $169.40 $190.40

*At age 70, benefits are reduced by 50%. ** Payment of the partial benefit for Carcinoma in Situ will reduce the benefit for internal cancer. Payment of the partial benefit for coronary artery bypass surgery will reduce the benefit for a heart attack. This is a brief summary of CriticalAssistancesm Plus, underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPCI0200 and CCCI0200. Form and number may vary and coverage may not be available in all jurisdictions. Limitations and exclusions may apply. Refer to the policy, certificate and riders for complete details.

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call today for more information

1.866.667.8415