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8 by The Karis Group Simple. Comprehensive. Complete. Enjoyable. Providing sonalized service, Kare360 s team of ext Patient Advisors work with members to assist in navigating the confusing and expensive world of healthcare. With a suite of dedicated services, Kare360 will help you take the hassle out of health care saving you valuable time and money. Physician Search Helping members find quality family doctors, specialists and surgeons. Appointment Scheduling Advisors schedule s s with doctors, labs and more. Medical Bill Mediation Unparalleled results in negotiating ing savings on medical charges. Eldercare Solutionsons Finding solutions for seniors in all areas as including living arrangements, nts, transportation, RX delivery, supplemental insurance and more. Alternative Treatments Locating care for Chiropractic, Acupuncture, Massage Therapy and more. Insurance Policy Assistance Clarification on benefits, help resolving issues. Surgery Cost Saver A specialized R.N. will provide a cost, quality and availability ailabi comparison of health care facilities in your area for your particular needed eded procedure. This can be used in consultation with your doctor, enabling you to make an informed decision. Kare360 is pleased to also provide on-staff chaplains, available by phone to listen and offer counsel in those times when you need it most. We take the hassle out of healthcare.

9 The Benefits outlined in the next eleven pages are underwritten by Chesapeake Life Insurance Company. Including a few of these benefits allows you a No Deductible No Out of Pocket health plan for a lower premium than all other health only plans. These benefits are paid directly to you and are TAX FREE. These are designed to not only eliminate your health plan deductible for most claims and any out of pocket expense for major illnesses (deductibles & coinsurance) they are also included as income replacement. These rates do not increase annually as do similar and much lower level benefits that may be available as options in some health plans. a National Health Insurance Agency 2600 Van Buren Suite 2635 Norman, OK

10 When an accelerated benefit is paid under the Rider, the death benefit of the Policy is reduced by the amount of the accelerated benefit paid. The accelerated benefit for terminal illness ends when 50% of the death benefit has been paid out under this benefit. See forms ICC11-CTL-11/CTL-11, ICC11-TIAB-11/TIAB-11 and the disclosure for the Terminal Illness Accelerated Living Benefit, ICC11-TIABD-11/TIABD-11, or their state variations for details. Critical Condition Accelerated Living Benefit Rider Available only with the Convertible 10-Year Term Life Policy (requires additional premium) Upon the first occurrence of a Type A or Type B qualifying event, we will pay an accelerated benefit in a lump sum amount, as described in the options below. If the Type A or Type B condition is due to an illness, the condition must first occur more than 30 days after the effective date of the Rider. Coverage Options Available: Option 1 Available for Death Benefit amounts up to $100,000 for issue ages Type A Conditions: pays 100% of selected Death Benefit amount - Type B Conditions: pays up to 25% of selected Death Benefit amount Available for Death Benefit amounts up to $50,000 for issue ages For Type A Conditions: pays 100% of selected Death Benefit amount - For Type B Conditions: pays up to 25% of selected Death Benefit amount Qualifying Events Type A Conditions: Advanced Alzheimer s Disease Amyotrophic Lateral Sclerosis (Lou Gehrig s Disease) Coma End-Stage Renal Failure Heart Attack Hemiplegia Life-Threatening Cancer Paraplegia Quadriplegia Second-Degree Burn Stroke Third-Degree Burn Major Organ Transplant Type B Conditions: Benign Brain Tumor Cancer In Situ Coronary Bypass SB/ Exp. 8/13

11 Accident Direct Protecting your peace of mind is no accident Accident Disability Cancer Critical Illness Hospital Accident In life, unexpected things happen all the time, and having medical insurance is just one part of being protected. You also need additional protection to help with your finances and other expenses when accidents happen. You may be surprised to learn the average hospital stay is 4.6 days, with average hospital charges and out-of-pocket costs totaling $30,655 and $9,173, respectively. 1 Additionally, there are daily living expenses and other unexpected costs that may arise while you are recovering. Supplemental insurance plans offered by SureBridge Provide customizable protection for you and your family to fit any budget Include common accidental benefit in addition to injury accidental benefit Complement your existing health insurance plan Pay the cash benefit directly to you not your doctor or hospital Want to learn more about insurance that pays you? Contact your local agent or SureBridgeinsurance.com to learn about how you can customize or combine multiple plans to fit your specific budget and needs. Our Accident Direct supplemental insurance plan is simple. It pays a lump-sum cash benefit directly to you for a hospital confinement due to an accidental injury. This money can be used for anything you choose, including expenses health insurance doesn t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses. It s your money; how you spend it is your decision. Accident Direct Description Pays a lump-sum benefit based on number of days of hospital confinement resulting from injuries caused by an accident. Benefits renew annually. Per Insured, Per Year $5,000, $15,000, $20,000 or $25,000 Benefit Schedule 14+ days: 100% of benefit 7 13 days: 60% of benefit 3 6 days: 30% of benefit 1 2 days: 15% of benefit, surgery required Common Accident Benefit Additional benefit when two or more covered sons are injured in same accident. CH IP (01/10), or its state variation. 1 Agency for Healthcare Research and Quality (AHRQ), Healthcare Cost and Utilization Project (HCUP) Nationwide Inpatient Sample (NIS), SureBridge is a brand name used for supplemental insurance products underwritten, and administered, by The Chesapeake Life Insurance Company. Administrative offices are located in North Richland Hills, TX. Insurance product availability may vary by state. For premium costs and further details of the coverage, including exclusions, any reductions or limitations and the terms under which the Policy may be continued in force, please contact your licensed insurance agent/producer The Chesapeake Life Insurance Company SB/ Exp. 1/13 Underwritten by The Chesapeake Life Insurance Company

12 Accident Companion Coverage to help with your health insurance deductible Accident Disability Cancer Critical Illness Hospital Critical Accident Accident Companion As premium costs for health insurance continue to rise, many Americans are purchasing plans with a higher deductible and co-insurance in order to stay within their budget. While raising the deductible on your health plan can be an excellent way to manage the cost of insurance, when accidents happen, a higher deductible may create an immediate financial challenge. Our Accident Companion supplemental insurance plan is designed to be paired with your health insurance plan to provide assistance with the payment of the deductible and co-insurance. Supplemental insurance plans offered by SureBridge SM Provide customizable protection for you and your family to fit any budget Complement your existing health insurance plan Pay the cash benefit directly to you not your doctor or hospital Want to learn more about insurance that pays you? Contact your local agent or SureBridgeinsurance.com to learn about how you can customize or combine multiple plans to fit your specific budget and needs. The Accident Companion plan is simple. It offers four, budget-friendly benefit level options that align with most health plan deductible amounts. The plan pays a lump-sum cash benefit directly to you to help you pay deductible and co-insurance expenses resulting from a covered accident or you may use it for other expenses. It s your money; how you spend it is your decision. Accident Companion Benefits for Accidental Injury ( Injury) Hospital Confinement (1 year) Emergency Treatment (within 72 hours of Injury) Major Diagnostic Exam (1 year) Follow-up Treatment* (up to 5 s year) Follow-up Physical Therapy* (up to 5 s year) Option 1 Option 2 Option 3 Option 4 $2,500 $5,000 $7,500 $10,000 $250 injury $500 injury $750 injury $1,000 injury $250 $500 $750 $1,000 $50 $50 $100 $100 $100 $100 $100 $100 *Benefits following Emergency Room or Urgent Care treatment, within 30 days of initial onset SureBridge is a brand name used for supplemental insurance products underwritten, and administered, by The Chesapeake Life Insurance Company. The administrative offices of The Chesapeake Life Insurance Company are located in North Richland Hills, TX. Insurance product availability may vary by state. For premium costs and further details of the coverage, including exclusions, any reductions or limitations and the terms under which the Policy may be continued in force, please contact your licensed insurance agent/producer The Chesapeake Life Insurance Company. CH IP (01/11), or its state variation. SB/ Exp. 8/12 Underwritten by The Chesapeake Life Insurance Company.

13 Dental PPO Coverage to help you keep smiling Accident Disability Cancer Critical Illness Hospital Vision Dental SureBridge SM offers PPO dental plans that complement most health insurance plans and provide a range of covered services and savings that are designed to fit your specific budget and needs. Dental PPO Benefits* Premiere Basic SureBridge dental plans offer coverage options for preventive/diagnostic, basic and major restorative services through Careington s Maximum Care Network of 135,000 providers. By using these providers, you can also save an additional 5% to 20% on orthodontic and cosmetic procedures. SureBridge Dental insurance plans: Provide customizable protection for you and your family to fit any budget Complement your existing health insurance plan Give you access to additional savings through in-network providers Contact your local agent or SureBridgeinsurance.com to learn more about how you can customize or combine multiple plans to fit your specific budget and needs. Overview Calendar year Deductible Calendar year Maximum $50/ basic and major 3 max family $1,200/son $6,000/family Preventive 100% No waiting iod Basic 80% 6 month waiting iod Major 60% 12 month waiting iod Orthodontia Careington Discount $100/ basic 3 max family $1,000/son $5,000/family 100% No waiting iod 50% 6 month waiting iod Careington Discount Careington Discount * Certain services include limitations. Benefits are reduced for non-network providers. See plan for details. Services are provided through discount program only and not insurance. This program provides discounts only at certain contracted providers. You are obligated to pay all fees at the time of service, but will receive a discount from those providers who have contracted with Careington. The program does not make payments directly to the providers of dental services. SureBridge is a brand name used for supplemental insurance products underwritten, and administered, by The Chesapeake Life Insurance Company. The administrative offices of The Chesapeake Life Insurance Company are located in North Richland Hills, TX. Insurance product availability may vary by state. For premium costs and further details of the coverage, including exclusions, any reductions or limitations and the terms under which the Policy may be continued in force, please contact your licensed insurance agent/producer The Chesapeake Life Insurance Company. CH IP (04/11), or its state variation. SB/ Exp. 08/12 Underwritten by The Chesapeake Life Insurance Company.

14 Premiere Vision Coverage to help keep your world in focus Accident Accident Disability Disability Cancer Critical Cancer Illness Critical Hospital Illness Hospital Dental Vision SureBridge SM offers a vision plan that complements your health insurance plan and delivers savings on both eye examinations and eyewear. Through EyeMed Vision Care s Select Network, our vision plan offers thousands of retail providers nationwide, including locations in large retail stores such as Target, Sears, LensCrafters, Pearle Vision and other private practitioners. SureBridge Premiere Vision: Complements your existing health insurance plan Gives you access to additional savings through in-network providers Contact your local agent or SureBridgeinsurance.com to learn more about how you can customize or combine multiple plans to fit your specific budget and needs. * Benefits are reduced for non-network providers. See plan for details. Premiere Vision Insurance Benefits* ( son, 12 month iod) 1 EyeMed is a discount program only and not insurance. This program provides discounts only at certain contracted providers. You are obligated to pay all fees at the time of service, but will receive a discount from those providers who have contracted with EyeMed. The program does not make payments directly to the providers of vision services. SureBridge is a brand name used for supplemental insurance products underwritten, and administered, by The Chesapeake Life Insurance Company. The administrative offices of The Chesapeake Life Insurance Company are located in North Richland Hills, TX. Insurance product availability may vary by state. For premium costs and further details of the coverage, including exclusions, any reductions or limitations and the terms under which the Policy may be continued in force, please contact your licensed insurance agent/producer The Chesapeake Life Insurance Company. Exam Standard, uncoated plastic lenses Frames Or Corrective Contact Lenses No copay $10 copay $10 copay with $120 allowance $10 copay with $120 allowance Additional Savings from EyeMed 1 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 $120 allowance UV Coating: $15 Standard Anti-Reflective: $45 Nonprescription glasses and sunglasses: 80% of retail Other Lens Options: 80% of retail LASIK or PRK Vision Correction: 15% off retail or 5% off promotional price CH IP (04/11), or its state variation. SB/ Exp. 8/12 Underwritten by The Chesapeake Life Insurance Company.