A. PLAN DESCRIPTION

• Policy Pays Lump Sum Cash Benefit for:

        - Accidental Death & Dismemberment, dislocation and fracture,

           initial hospital confinement, hospital admission, ambulance service,

           outpatient services and other related medical expenses etc.

• Policy pays Cash Benefit for daily:

         - Hospital confinement, intensive care, physical therapy etc.

B. COVERAGE OPTIONS

• Low Option for employee, employee & child(ren), employee & spouse or family

• High Option for employee, employee & child(ren), employee & spouse or family

C. PLAN BENEFITS & FEATURES

• Pays Out-of-Pocket Expenses not covered by Health Insurance Programs

• Helps reduce Financial stress when an unexpected life changing event occurs

• Helps reduce financial impact for individuals who have high deductible health insurance Co-Payment Plans

• Portability Feature . . . take the policy with you when you leave your employer

D. UNDERWRITING & ENROLLMENT GUIDELINES

• No Medical Exams

• Guaranteed Issue with 5 Minimum employee enrollment