CareFirst Partners with Companion Life Insurance Company

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1 For Distributio to Brokers/Geeral Producers/Full-Service Producers Oly (Not Iteded for Distributio to Groups ad Members) May 2, 2011 CareFirst Parters with Compaio Life Isurace Compay MARKET: MARKET ONLY CareFirst BlueCross BlueShield ad CareFirst BlueChoice, Ic. (collectively CareFirst) are extremely pleased to aouce that we have partered with Compaio Life Isurace Compay (Compaio Life) as our preferred vedor for volutary life ad disability isurace products i the small group market. Compaio Life Isurace products are available for sales effective immediately. To provide you with additioal details, please fid attached: Compaio Life frequetly asked questios Product highlights Commissio schedule Cotact iformatio Icetive Trip brochure For additioal iformatio ad marketig materials, please visit Should you have ay questios, please cotact your Broker Sales Represetative. Shekar Subramaiam Associate Vice Presidet, Broker Sales CareFirst BlueCross BlueShield ad CareFirst BlueChoice, Ic. are idepedet licesees of the Blue Cross ad Blue Shield Associatio. The Blue Cross ad Blue Shield ames ad symbols are registered trademarks of the Blue Cross ad Blue Shield Associatio. CareFirst is a registered trademark of CareFirst of Marylad, Ic.

2 Questios ad Aswers Marylad, Washigto DC, Virgiia Regio 1- Q- Who is Compaio Life Isurace Compay (CL)? A- CL is a wholly owed subsidiary of Blue Cross & Blue Shield of South Carolia, ad is licesed i 46 states ad the District of Columbia. 2- Q- What products are offered through CL? A- CL offers a portfolio of group ad volutary products icludig Term Life, Accidetal Death & Dismembermet (AD&D), Short Term Disability (STD) ad Log Term Disability (LTD). 3- Q- What is the A.M. Best ratig of CL? A - CL was assiged a Best s Fiacial Stregth Ratig of A+ (Superior) for the 10 th cosecutive year. The compay cotiues to geerate favorable sales results. A.M. Best believes that CL ca cotiue to recogize favorable, profitable growth i the future. 4- Q - Describe the CL distributio system? A - CL cotracts with Geeral Agets ad several Health Parters throughout the Uited States. 5- Q - Where is the Home Office located? A - Columbia, South Carolia. Regioal offices are located i Virgiia, Marylad, Teessee, Ohio, Wiscosi, Rhode Islad, Kasas ad Arizoa. 6- Q - Geerally describe your Group ad Volutary Life programs? A - CL group Life/AD&D Trust program provides plas for 2-9 employer groups. The pla has guaratee issue, competitive age bad rates ad flexible pla desigs. CL 10+ True group Life/AD&D program provides custom matched beefits, composite ratig, custom guaratee issue amouts ad two year rate guaratees. CL Volutary Life is a freestadig program for groups with as few as five erollees. High Guaratee Issue amouts depedig o the level of employee participatio ad group size. The program provides a spouse ad child(re) beefit. It also has a AD&D optio. All programs have a ieligible list of idustries. Brochures ad forms are available o our website. - Cotiued - 1

3 7- Q - Geerally describe your Group ad Volutary STD program? A - CL provides disability icome to employees who become sick or ijured off the job to replace part of their lost icome o a short term basis. CL group STD Trust program provides plas for 2-9 employer groups. The pla has guaratee issue, competitive age bad rates ad flexible beefit desigs. CL 10+ True group STD provides custom matched plas, composite rates, guaratee issue, two year rate guaratees ad ca be freestadig. CL Volutary STD is a freestadig program for groups as few as 3 employees. Employee participatio levels are 3 erolled for 3-9 groups ad 5 erolled for 10+ groups. Employee may elect a weekly beefit up to $750. Several elimiatio periods are available. Program icludes a partial beefit ad a age bad etry freeze. All programs have a list of ieligible idustries. Brochures ad forms are available o our website. 8- Q- Geerally describe your Group ad Volutary LTD program? A- CL provides disability icome to employees who become sick or ijured to replace part of their mothly icome o a log term basis to age 65. CL group LTD Trust program provides plas for 2-9 employer groups. The pla has several choices of elimiatio periods, beefit duratios ad competitive age bad rates. Guaratee issue is stadard for 5+ employer groups. CL 10+ True group LTD provides custom matched plas, composite rates, guaratee issue, three year rate guaratees ad ca be freestadig. CL Volutary LTD is a freestadig program for groups of 10 or more employees. Participatio is the greater of 10 or 25% of the employees. Several beefit desigs ad elimiatio periods are available. Beefit maximum up to $10,000. EAP program icluded at o charge. All programs have a list of ieligible idustries. Brochures ad forms are available o our website. 9- Q- Does CL have ay special programs available? A- CL has developed a flat rate package pla called BROKER PLUS. This pla is available to 2-49 employer groups. The pla icludes a flat $15,000 basic Life ad AD&D beefit ad a $100 per week STD beefit. The employer cost is $12.00 per employee per moth for the total package. Employees may purchase additioal STD beefit amouts through payroll deductios. Age bad rates apply for the additioal coverage. All coverage is guarateed issued. This program has a list of ieligible idustries. 10 -Q- Describe your billig process? A- CL provides direct billig from our home office or your cliet may elect to to be billed by oe of our broker admiistrators i Marylad. If CL provides billig services, additioal features are available. My Beefits Compaio provides group admiistrators the optio to eroll ew employees, view employee s coverage, termiate employee s coverage ad request certificate of coverage. Employers ca view, prit curret ad prior bills, pay olie, ad view paymet history. 2

4 11- Q - Describe your erollmet process? A - A master employer applicatio is required with all products. Employee erollmet cards or a cesus is required. Beeficiary cards may be required if employer does t maitai copies. A bider check is required o all employer paid products. CL has approved the broker admiistrators electio forms ad electroic erollmet process. All CL forms may be dowloaded from our website. 11- Q - How are brokers compesated? A - CL offers competitive commissio schedules. First year ad reewals below. Trust 2-9 Life/AD&D ad STD - 20% level Trust LTD - 15% level Volutary Life/AD&D, STD, ad LTD - 15% level True Group Life/AD&D, STD - 15% graded True Group LTD 15% graded 12- Q Ca the small group product billig fee be waived? A Yes, if the billig is beig doe by oe of our approved Broker Admiistrators Q - How do we request a proposal? A or you may submit the request to your broker admiistrator Q - Who is our local cotact perso i the field? A Mike s phoe is His office is located at 100 West Rd. Ste. 300, Towso, MD Attached is a cotact list of our home office team Q Do you have ay Broker Trip Icetives? A Yes, our 2012 Leaders Coferece Trip is to Barceloa, Spai, Jue 10-15,2012 at the Ritz Carlto Resort. Please cotact Mike Feglar for details. A.M. Best rated A+ (Superior) Proposal Requests: 3

5 Compaio Life Product List SMALL GROUP (2-9) LARGE GROUP (10+) VOLUNTARY GROUP LIFE COVERAGE Group Term Life. Choice of flat amout or multiple of salary pla desigs. Available for 2-9 group size. Depedet Life is available for spouse ad depedet childre. Covertible. Miimum 25% Employer cotributio. lcludes AD&D. Guarateed issue: 2-4 lives - $25,000; 5-9 lives $50,000. Age-baded rates Group Term Life. Choice of flat amout or multiple of salary pla desigs. Available for 10+ group size. 750/o participatio. Miimum 25% employee cotributio. Depedet Life is available for spouse ad depedet childre. Accelerated Death Beefit & Waiver of Premium - Icluded at o additioal cost. Coversio available. lcludes AD&D. Composite rates Volutary Group Term Life. Offers flat amout pla destg. Avarlable to 5+ groups; 10+ at guarateed issue Depedet Life is available for spouse ad depedet childre lcludes AD&D $1 00,000 Guarateed Issue available 10 employees or 25% parti ci p atio (wh i c h ev er is greater) Accelerated Death Beefit icluded at o additioal cost. Portable at group rate Covertible Age-baded rates DISABILITY COVERAGE Short Term Disability. Provides 60% of weekly salary up to $750 weekly maximum. Available for 2-9 group size. Employer selects beefit period - 13 or 26 weeks. lvo pre-existig limitatios. Materity covered as illess o Elimiatio periods - 1st day accidet; Bth day illess. Age baded rates Log Term Disability. Choice of pla desigs; Two YearlReducig Beefit Duratio; Five year/reducig Beefit Duratio ad Age 65/Reducig Beefit Duratio o Available for 2-9 group size. Mi f 5 lives for select idustries. Provides 60% of icome, up to mothly maximum of $6,000. Partial disability beefit. lcludes Disability Guidace (EAP). Age baded rates Short Term Disability. Employer optios iclude levels with a wide choice of elimiatio periods ad duratios. Available for 10+ group size. Miimum 25% employee cotributio. Choice of 13,26 or 52 weeks duratio. 750/o participatio e Partial Disability icluded. Materity covered as illess. Composite rates. No pre-existig limitatios Log Term Disability o Available to groups with 10 or more eligible employees. Wide rage of beefits. Group must be i busiess for 2 years. TSYoparticipatio. Miimum 25% employee cotributio. Workplace modificatio beefit. lcludes EAP (Employee 4ssisface Program). Composite rates Volutary Short Term Disability. 8 pla desigs. Miimum of 5 erolled - o participatio pre-existig. Agebad etry FREEZE o Partial disability. Materity covered as tlless. lcludes $10,000 AD&D. Age-baded rates Volutary Log Term Disability. Wide rage of pla desigs. 60% of pre-disability icome, up to mothly maximum $6,000. Available to groups with 10 + eligible employees. Mi participatio 10 employees or 250/o (whichever is greater). No evidece of isurability required. lcludes EAP (Employee Assisface Program). Age baded rates

6 Compaio Life Product List $MALL GROUP{2.9) LARGE GROUP (10+) VOLUNTARY GROUP vrsron. Choice of three pla desigs: " Visio Essetials - Exam oly " Vrsio Choice - Eyewear oly ' Visio Select - Exam Ad Eyewear. Available for 2-9 group size. Available as a stad-aloe pla with a $10 admiistratio fee DENTAL PLANS Detal Cets. Four plas are available for employer choice. Available for 2 to 9 group size. Groups of 2-5 employees '100% participatio. Groups of 6-9 employees, 100% mius oe participatio. Freedom to choose ay detist or use a DeteMax detist. Takeover beefits available Choice of three pla desigs: " Visio Essetials - Exam oly " Visio Choice - Eyewear oly " Visio Select - Exam Ad Eyewear. Available for 10+ group size. 1000h participatio if employer pays all premiums. Available as a stad-aloe pla with 10 erolled employees. Customizable ola desios Detal by Desig o Three stadard pla desigs are available with choice of optioal beefits. Available to groups with 10 or more employees. Freedom to choose ay detist or use a DeteMax detist. 25% miimum employer cotributio. Requires 50% participatio. Takeover heefits availahle. Choice of three pla desigs: 'Vrsio Essetials - Exam oly " Visio Choice - Eyewear oly ' Visio Select - Exam Ad Eyewear. Available for 10+ group size. lf employee cotributio, 10 must participate ad volutary rates apply. Availahle as a stad-aloe pla Volutary Detal. Avarlable to groups of 3 or more, or 20% of the eligible group participatig, whichever amout is greater. Two plas are available - Premier ad Advatage. Freedom to choose ay detist or use a DeteMax detist. $100 lifetime deductible per perso (All services). Takeover beefits available Additioal Added Beefits EveMed Visio Discout Pla Heariq Services Pla Global Detal. Combies ulimited choice with quality ad value. Available to all employees with a Compaio detalpla at o additioal cost. Provides assistace, protectio ad treatmet of hearig Available to all employees with a Compaio detalpla at o additioal cost.. Provides a moey savig alterative for detal care at iteratioal facilities. Available to all employees with a Compaio detal pla at o additioal A.M, Best Ratig A+ (Superior) www. Com pa io Life.com This is a geeral outlie of covered bee/its ad does ot iclude all the beefits, limitatios ad exclusios of the policy. Please refer to the policy/certificate for details. 3ll0l20t0

7 ecompaiolifie Group lsurace Multiple Case Commissio Agreemet Compaio Life lsurace Compay (Compaio) agrees to pay commissios to the Aget i accordace with the followig group isurace premiums reported ad paid to Compaio at its home office i Columbia, South Carolia, o applicatios for group coverages. Commissio Schedules Percet of Premiums L il. ilt. lv. True Group Log Term Disability, 10 Plus Portio Yearly Premium which is: First $5,000 of Aual Premium 15.0o/o 15.0o/o Next $10,000 of Aual Premium Next $10,000 of Aual Premium Next $20,000 of Aual Premium All Aual Premiums i Excess of $45, True Group Life, AD&D ad STD, 10 Plus Portio of Premium which is: First $5,000 of Aual Premium Next $ of Aual Premium ' Next $10,000 of Aual Premium Next $20,000 of Aual Premium All Aual Premiums i Excess of $45, Detal by Desig, 10 Plus Portio of Yearly Premium which is: First $10,000 of Aual Premium 10.0% 10.0% Next $10,000 of Aual Premium 7.5 7,5 Next $10,000 of Aual Premium All Aual Premiums i Excess of $30, Gompaio Busiess Pla, Life ad STD,2-9 Employees V. Compaio Busiess Pla, LTD,2-9 Employees Vl. Vll. Volutary Life, STD ad LTD Vlll. Volutary Detal lx. Visio by Desig Detal "Cets" Pla,2-9 Employees Such commissios shall be payable as log as Compaio retais the coverages (such retetio beig optioal with Compaio), but such paymet shall be subject to ad cotiget upo (a) cotiuace of the Aget as the Aget of Record (as accepted by Compaio); (b) cotiued reasoable servicig of the policyholders ad cooperatio with Compaio by the Aget; (c) applicable laws or ruligs of lsurace Departmets; (d) compliace by the Aget with the reasoable rules ad regulatios of Compaio; ad (e) commissio schedules remaiig i effect with Compaio Life lsurace Compay. It is the aget's resposibility to review each commissio statemet for accuracy. l o evet will Compaio Life pay commissios retroactively more tha six moths. Aget of record chages will ot be effective util ackowledged ad approved i writig by Compaio Life. lf, because of cacellatio of a policy, or for ay other reaso, ay premium or premiums paid upo a policy are retured, the Aget, upo demad, shall repay the amout of commissio received by him o premiums so retured. Executed this _ day of _ First Year FORHOME OFFICE USE ONLY: 20.0% 15.00k 10.0% 15.0% 10.0o/o 10.0% Reewal 20.0% 15.0o/o 10.0% 15,00k 10.0% 10.ooa ACCEPTED FOR AGENT/BROKER ACCEPTED FOR COMPANION LIFE INSURANCE COMPANY By: (Sigature of AgeVBroker) By (Sigaturc of Authorizcd Represetative) Name: (Type or Prit Name of AgeVBroker) Aget Code: (Except SC) (Rev. 4/08)

8 ffi MIKE FEGLAR IOO West Ro.d, Suite 5OO To*so, M D of[i "ll +t o-4s toll fr.e 8OO fax M i.h."l. Fegla pa iog rou p.com IIIWtrIE Aaro West 8OO-755-O 40 4, ext direct 8O {ax 8OO Aa ro pa io G ro, p..or Debbie Bo"hlig BOO D.bbie. BoehligqCompaioG roup.com Ro Du 8OO-755-O 40 4, ext direct {ax 8OO Ro. Susa Barb.r 8OO-755-O 40 4, exl direct B fax O-869O Sr... rorp..or Life.com For Rapid Quotes: Rated {* (Superior) by A.M. Best*

9 Discover the epiceter of Europea culture ad Mediterraea lifestyle i Barceloa, Spai. For your sales of Compaio Life group products, you ad a guest will ejoy six days ad five ights at the luxurious Hotel Arts Barceloa, a award wiig beach-frot Ritz-Carlto Hotel, for Compaio Life s 2012 Leaders Coferece. Celebrate your success, you ve eared it! Nestled o Spai s Mediterraea coast, Barceloa is a cosmopolita city cradled betwee the mouths of two rivers ad the Serra de Collserola moutai ridge. Origially fouded as a Roma city, today Barceloa is the capital of Cataloia, oe of Spai s 17 commuities ad a regio with its ow laguage ad character. Barceloa is chiefly kow for its groud breakig art, architecture ad style. With more tha 2,000 years of cultural roots, the city is a diverse treasure trove of historical ad artistically sigificat structures ad fie art. From medieval buildigs i the Gothic Quarter, to Art Nouveau structures by famous moder architects, the city s physical history is passioately celebrated at every tur. I additio to exceptioal architecture, Barceloa has log bee a playgroud for geeratios of moder artists icludig Pablo Picasso ad Salvador Dali. Its world famous arts scee is as vibrat ad outrageous as ever, ad its abudat outdoor art ad icoic buildigs make it a especially rewardig city to experiece by foot. I Barceloa you ca also cout o a diig experiece you wo t soo forget. Expasive outdoor markets are packed full of delicacies produced locally ad aroud the world. So the city s avat-garde chefs take advatage of the exotic igrediets available ad zealously compete with the Frech for exceptioal ad iovative cuisie you ca be the judge! While the city itself could keep you occupied for weeks, its surroudig beaches ad crisp moutai rages offer sceic ad relaxig refuge i every directio. I Barceloa there truly is somethig for everyoe come see for yourself. Take your ow Mediterraea Holiday at Compaio Life s 2012 Leaders Coferece! Compaio Life Leaders Coferece Jue 10-15, 2012 phoe fax Qualificatio period effective dates from 1/1/2011 to 12/31/2011

10 Compaio Life Leaders Coferece qualificatio rules aget / broker Meet miimum sales requiremet for qualificatio i the appropriate category. Oly licesed group producers are eligible to atted the Leaders Coferece. Attedees will receive a 1099 for the taxable portio of the trip for themselves ad their guest. Maximum covetio credit per case is $100,000. Multiple ivitatios based o aget productio i excess of basic qualificatio are allowed for licesed agets withi the same agecy. Maximum of two qualificatios per agecy is allowed. Miimum case cout of six cases will apply for secod coferece ivitatio to be issued. Aget Ivitatio Guidelies 1st level qualificatio of $85,000 receives oe ivitatio for producer ad a guest with producer airfare oly. 2d level qualificatio of $110,000 receives oe ivitatio for producer ad a guest with producer ad guest airfare. 3rd level qualificatio of $170,000 Reward yourself for outstadig sales by experiecig the adveture of Barceloa, Spai o your ow! Qualifiers at this level receive a additioal three days (two ights) hotel-oly expese (stadard room) at the Hotel Arts Barceloa or a comparable hotel i the area (subject to availability)*. Icludes producer ad guest roud-trip airfare from home airport to Barceloa Iteratioal Airport. Maximum of two ivitatios per aget or agecy. Oly the amed producer receivig commissios will receive credit for a specific case. Whe a case is to be split for case cout or covetio qualificatio credit, it must be approved at the time of submissio. No ed-of-year splittig will be allowed. All Detal premium, Visio ad Group LTD credited at 50%; all other Compaio Life Group products ad Volutary Life ad STD premium credited at 100%. Attedace at the coferece is depedet upo the producer beig curretly appoited with Compaio Life at the time of the coferece to sell the lies of busiess for which credit was applied durig the coferece qualificatio period. Leaders Coferece ivitatio is ot trasferable without prior writte permissio from Compaio Life ad is subject to all qualificatio rules. * Some limitatios apply aget 11/10

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