Qualifying Events. 100% Benefit. 25% Benefit

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3 Qualifying Events Condition Advanced Alzheimer s Disease, illness induced coma, heart attack, life-threatening cancer, major organ transplant, stroke, amyotrophic lateral sclerosis (Lou Gehrig s disease), end-stage renal failure Coronary artery bypass, cancer in situ, benign brain tumor Benefit Amount 100% Benefit 25% Benefit In the event that a customer suffers an event paying a 25% benefit, they will retain the remaining 75% of the amount for future first occurrences 3

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5 Plan Options and Monthly Premiums Benefit Amount Covered Benefit Option 1 Option 2 Option 3 Option 4 Inpatient Hosp. 1/yr $2,500 $5,000 $7,500 $10,000 Emergency/accident $250 $500 $750 $1,000 Major Diagnostic 1/ yr Follow-up Treatment 5/yr $250 $500 $750 $1,000 $50 $100 $100 $100 Follow-up PT 5/yr $50 $100 $100 $100 Monthly Rate per person $7.50 $15.00 $21.50 $

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7 Dental Plan Comparison Benefits Premiere Basic Calendar Year Deductible Family Calendar Year Benefit Maximum Preventive (Type I) Basic Restorative (Type II) Major (Type III) Limited to 3 per family $1,200 per insured $6,000 per family Deductible: $50 per insured Waiting Period: 6 months Coinsurance Network: 80% Coinsurance Non-Network: 60% Deductible: $50 per insured Waiting Period: 12 months Coinsurance Network: 60% Coinsurance Non-Network: 50% Deductible: 0 Waiting Period: 0 months Coinsurance Network: 100% Coinsurance Non-Network: 80% Limited to 3 per family $1,000 per insured $5,000 per family Deductible: $100 Waiting Period: 6 months Coinsurance Network: 50% Coinsurance Non-Network: 50% Discounted through Careington Discount program at Network Providers Only Orthodontics Discounted through Careington Discount program at Network Providers Only

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9 Premiere Vision Benefits are per person, per 12 month period: Exam No copay Standard, uncoated plastic lenses - $10 copay Frames - $10 copay with $120 allowance OR Corrective Contact Lenses - $10 copay with $120 allowance Additional Savings from EyeMed: You Pay: Frames: 60% of retail Standard Polycarbonate: $40 Standard Scratch Resistance: $15 Tints, solid and gradient: $15 Standard Progressive Lenses: $65 Premium Progressive Lenses: $65+ (80% of retail) less the $120 allowance UV Coating: $15 Standard Anti-Reflective: $45 LASIK or PRK Vision Correction: 15% off retail, or 5% off promotions 9

10 Premiere Vision Business Rules No annual deductible Limited to one eye exam every 12 months from last date of service Eye exam will be covered up to $30 for a non network doctor All other benefits must be within the EyeMed network Corrective lenses may be purchased every 12 months from last date of service This product is guaranteed renewable to age 75 10

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13 Benefit Schedule Confinement General ICU/CCU Days % Days % Days % Days % Days 11+ $100 Days % Days 31+ $100 ICU/CCU benefits are in lieu of general confinement benefits, not in addition to 13

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15 Disability Pays a monthly disability benefit directly to the insured if totally disabled as defined Under a legally qualified physician s care Not actively at work, as certified by a physician upon our request Must be deemed totally disabled within 30 days of the qualifying event Monthly total disability benefit will begin on the first day following the elimination period The elimination period is the period of time from the date the insured is considered totally disabled until the benefit is paid 15

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21 Simplified Issue Term Life 10 and 20 Year Level Term (YRT to age 95 after initial level term period) Plan Highlights:! Lightning fast issue! Average issue time of 1 to 2 days! No blood draws, medical testing or Paramedical (simplified issue app questions only)! Only 6 medical related UW questions (a few additional if adding critical condition illness rider)! Easy e-app process (face-to-face, , screen share)! Convertible to Whole Life Insurance Term Life Product Features:! Pays up to $100,000 in a lump sum directly to the beneficiary upon death of the insured! 50% of the policy s death benefit paid if insured diagnosed with a terminal medical condition! Issue Ages: 10 Year Term = 25 to 65 and the 20 Year Term = 25 to 55! Optional Riders! Accidental Death Benefit (available for both plans)! Critical Condition Accelerated Living Benefit (10 Year Term Only)! Waiver of Premium (available for both plans) The Chesapeake Life Insurance Company

22 Final Expense Life Insurance Level Death Benefit Level Death Benefit:! Level Premium Whole Life Policy! Immediate Full Death Benefit! Accelerated Benefit Terminal Illness Rider (included)! Accidental Death Benefit Rider (optional)! Issue Ages: 45 to 85! Death Benefit (increments of $1,000)! Ages 45 to 80 = $3,000 to $35,000! Ages 81 to 85 = $2,000 to $35,000! Level Benefit Qualifications:! Ever Diagnosed or Treated:! Parkinson s, Sickle Cell, Chronic Obstructive Pulmonary Disease, Congestive Heart Failure! Diagnosis or Treatment Within the Past Two Years:! Kidney, renal, liver disease. Tuberculosis, black lung! Drug or alcohol abuse, brain tumor, internal cancer, leukemia! Stroke, Transient Ischemic Attack, health attack, bypass or stents! Neuropathy, diabetic coma, insulin shock! Insulin combined with heart or circulation medicine The Chesapeake Life Insurance Company

23 Final Expense Life Insurance Graded Death Benefit Graded Death Benefit:! Issue Ages: 50 to 85! Death Benefit: (increments of $1,000)! ages 50 to 80 = $3,000 - $35,000! ages 81 to 85 = $2,000 - $35,000! Death Benefit for Accidental Death:! Full death benefit amount in all policy years (except in Arkansas)! Death Benefit for Non-Accidental Death! Year 1 = 30% of the face amount! Year 2 = 70% of the face amount! Year 3 + = 100% of the face amount! Graded Benefit Qualifications:! Diagnosis or Treatment Within the Past 12 Months:! Brain, heart, circulation surgery, stents, bypass, angioplasty, amputation caused by disease, dialysis! Brain tumor, stroke, heart attack, CHF, oxygen use (excluding CPAP)! Diagnosis or Treatment Within the Past 18 Months:! Internal cancer, leukemia, alcohol or drug abuse The Chesapeake Life Insurance Company

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