IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE

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1 IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE IMPORTANT NOTICE. PLEASE READ. TO: Associates of Isagenix Choosing your health insurance has never been more important. The Affordable Care Act requires that all Americans be covered by a health plan. If uninsured, you will face a TAX PENALTY. We have you covered with easy access to a wide range of compliant health insurance options, guidance and support in choosing, and a fast, easy way to enroll. Major medical open enrollment is right around the corner. During this time only (NOVEMBER 15, FEBRUARY 15, 2015), the Affordable Care Act law guarantees that no insurance carriers can decline you for coverage, so we want you to act now. Don t miss out on this brand new opportunity for independent contractors that affords you the health coverage you deserve. FEDERAL SUBSIDIES are also available to help you pay for insurance costs. A subsidy is an advance tax credit that you can use to pay for health insurance costs. With a few key pieces of information we can help you determine if you are eligible and enroll you in a subsidy in minutes. Best of all, WE MAKE IT EASY. You can call and talk to a live person or visit our trusted shopping site to explore plans, find out whether you are eligible for a subsidy, and enroll. You get personalized guidance and can compare price tags for a wide variety of plans. Simply choose the option that is best for you, and enroll right over the phone or online. You can start now by reviewing the major medical and subsidy details on page 3 in this brochure, or check out the menu of additional affordable health insurance options inside like dental, vision, life insurance, and more. Don t wait. Open enrollment is (NOVEMBER 15, FEBRUARY 15, 2015). For your benefit, please act now. MAJOR MEDICAL open enrollment: november 15, february 15, 2015 isagenix.enroll1st.com GUARANTEED ACCEPTANCE DURING THIS TIME ONLY! CALL or shop PLANS ON OUR TRUSTED SITE.

2 A Guide To Your Healthcare Coverage Follow 3 Simple Steps: 1 Review Review the information in this guide. 2 Call Get directly connected to a certified benefits specialist. 3 Enroll Create voice recorded pin code and sign up in minutes. No forms to complete. NAWP MEMBERSHIP: By becoming a member of NAWP for only $ 6.00 per month, Z Z Z you gain access to affordable medical coverage and valuable benefits and discounts designed to help you control costs. NAWP Membership provides you access to this and more! $ Sleep Apnea Testing 401K(i) $10,000 Life Insurance Discounts on Prescriptions Identity Theft Protection Discounts on Diabetic Supplies Coverage at a glance Monthly Member Member + Spouse Member + Child(ren) Family Major Medical Insurance See page 3 for details Basic Dental $19.79 $31.87 $38.02 $53.48 Preferred Dental $26.20 $44.69 $46.67 $68.96 Vision $13.93 $20.23 $20.86 $28.37 Accident Insurance Group Universal Life Cancer Critical Illness 401K(i) See page 5 for rates. Guaranteed Acceptance up to $50,000 in Coverage! See page 6 for rates. Plan helps pay for out-of-pocket medical expenses and more. Call today. Lump sum for first occurrence, re-occurrence and additional occurrence. Call today. Contributions made on a pre-tax basis. You decide how much. See page 8 for more details. Call today. 2 An administrative fee of $4.00 will be applied for ACH Bank Draft.

3 MAJOR MEDICAL FACTS 1. All Americans are required to be covered by a health plan. 2. If uninsured, you will face A TAX PENALTY. 3. Open enrollment You can NOT be declined for coverage. NOVEMBER 15, 2014 through FEBRUARY 15, Many Americans will be able to receive financial assistance through a subsidy. UNDERSTAND YOUR MAJOR MEDICAL OPTIONS 1. The nation s best insurance carriers. YOU CHOOSE the one you want! 2. Coverage in all 50 states. 3. Create your plan to fit your budget. 4. Various deductible and coinsurance levels. 5. Copay options for office visits and prescriptions. CALL TODAY TO FIND FEDERAL SUBSIDY: OUT... IF.. YOU.... QUALIFY! 6. Subsidy - an advance tax credit you can use to pay for health insurance costs. 7. To be eligible, you must purchase insurance in the health insurance exchanges or marketplaces. 8. The tax credit is based on your household income and the number of eligible dependents. SUBSIDY CALCULATOR: (annual income after write offs) (half of self employment tax) (percentage) 12 monthly health care expense. ANNUAL INCOME (Family of 4) AFTER WRITE OFFS + HALF OF SELF EMPLOYMENT TAX MAX % OF INCOME YOU HAVE TO PAY FOR THE PREMIUM POSSIBLE GOVERNMENT TAX SUBSIDY $30, % $7,690 $600 $50 $40, % $6,325 $1,965 $164 $50, % $4,925 $3,365 $280 ANNUAL PREMIUM YOUR ESTIMATED MONTHLY COST HOW TO ENROLL Call today. Ask questions. Get guidance and support from certified, bilingual health care reform specialists. Compare plans and prices from the nation s best insurance carriers. No paperwork to complete. 3

4 DENTAL INSURANCE DENTAL INSURANCE Services Coverage Basic Preferred Type I - Diagnostic & Preventative** 100% p p Type II Basic Restorative Services*** 80% p p Type III Major Restorative Services**** 50% p Annual Maximum Applies individually to member and each covered family member per policy year. Annual Deductible Applies to Type II and III MONTHLY PREMIUMS VISION INSURANCE $500 $1,000 $50 $50 Member Member + Spouse Member + Child(ren) Family Basic $19.79 $31.87 $38.02 $53.48 Preferred $26.20 $44.69 $46.67 $68.96 * 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. VISION INSURANCE Examination Lenses Frames Once every 12 months Once every 12 months Once every 24 months Examination Co-Pay $10 Materials Co-Pay $25 Benefits Participating Provider Non-Participating Provider* Examination 100% Up to $40 Single / Bifocal /Trifocal Lens (Standard Plastic) 100% Up to $40 / $60 / $80 Polycarbonate Lenses $0 for members age 19 and under, $30 for members over age 19 N/A Standard Progressive Lenses $50 additional co-pay N/A Standard Photochromic Lenses $60 additional co-pay N/A Frames** 100% Up to $45 Contact Lenses-Medically Necessary*** $250 allowance Up to $225 Contact Lenses-Elective**** $100 allowance Up to $100 Contact-Fitting $30 allowance N/A Laser Eye Surgery Access to disounted refractive eye surgery procedures from selected provider locations. MONTHLY PREMIUMS Member Member + Spouse Member + Child(ren) Family $13.93 $20.23 $20.86 $28.37 *All out-of-network reimbursement must be submitted to Advantica and are subject to co-pays. ** 100% coverage applies to frames on Provider s special frame selection. If outside special frame selection, member receives a $100 allowance. *** Limited to Aphakia, Keratoconus or Severe Anisometropia and requires pre-authorization by Advantica. **** This benefit is paid only once during the Group s Benefit Period and must be fully utilized at the time of purchase.

5 ACCIDENT INSURANCE An Accident Only Insurance Policy Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Accident Only Insurance Policy underwritten by Transamerica Life Insurance Company. Policy Description Highlights 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 Other Accident Accidental Dismemberment Specific Sum Injuries Benefits Covered The More You Know Accidents can happen at any time, to anyone. Who would pay the bills when a serious injury unexpectedly puts you in a hospital bed for days, weeks, or longer? The everyday bills and extra expenses do not stop when an accident strikes. 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 Member: $15,000 Spouse: $7,500 Child: $1,500 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 $ Rates for Accident Insurance Member Member + Spouse Member + Child(ren) Family $25.39 $31.29 $31.94 $37.84 BI-MONTHLY MONTHLY 5 5

6 GROUP UNIVERSAL LIFE INSURANCE Group Universal Life Insurance Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this Group Universal Life Insurance. What Is It? Universal Life Insurance is designed to last your lifetime. It combines life insurance protection with the ability to grow cash value over time. As long as your policy has earned sufficient cash value, you may borrow from it for any reason at a modest interest rate. You can use this loan for things such as paying college tuition, mortgage costs, or use it to pay for final expenses. Universal Life Insurance provides the freedom and security of a specified death benefit plus the opportunity to tailor your coverage to your personal situation. So you can shape your own tomorrow. Policy Highlights Group Universal Life Insurance Policy Benefit Levels Guaranteed issue up to $50,000 for member and $15,000 for spouse. Eligible dependent children is $25,000 or $10,000 for child term rider. GUARANTEED ACCEPTANCE UP TO $50,000! Eligibility Evidence of Insurability 90 Days Guaranteed Issue Cash Value Accumulation The policy builds with a guaranteed interest rate of 4%. Portable Accelerated Death Benefit for Critical Care Condition Accelerated Death Benefit for Long-Term Care Extension of Long-Term Care Benefits with Paid-Up Insurance Benefit Yes. If you retire or leave your group, you can take comfort in knowing that your premium won t change because you leave. Benefit amount is 25% of the life insurance death benefit, up to $100,000. Allows you to receive an early payout of the life insurance death benefit in the event of these critical care conditions: cancer, heart attack, major organ transplant surgery, end stage renal failure or stroke. Allows an insured to take an advance against the life insurance death benefit to help pay for long-term care. The percentage of death benefit available each month is 4% for up to 25 months when confined in a licensed nursing or assisted living facility, or 2% for 50 months when receiving home health or adult daycare. The Rider may not cover all costs associated with long term care incurred during the period of coverage. If the insured s entire death benefit under the Accelerated Death Benefit for Long Term Care Rider has been paid and the insured continues to be chronically ill, the Extension of Benefits Rider allows an insured to have extended benefits. The benefit will be for 4% for confinement in a licensed nursing or assisted living facility, or 2% for home health care or adult day care service on a month-to-month basis, for up to an additional 25 months or 50 months respectively. Sample Premiums * - Non-Smoker AGE AMOUNT YOU WILL PAY AMOUNT OF DEATH BENEFIT $ Age 25 $23.59 $50,000 Age 30 $29.12 $50,000 Age 35 $35.56 $50,000 Age 40 $46.01 $50,000 * Rates are based upon age and tobacco usage. You must speak with a benefits counselor to receive your applicable rate. MONTHLY 6

7 401K(i) Retirement Solutions Your membership in the National Association of Workplace Programs (NAWP) provides you with access to many valuable benefits including this 401K(i) Retirement Solution. Reality Check Did you know? Everyone has a moment when tomorrow becomes real. When it s time to think about your retirement, our 401K(i) policy provides the tools and resources that make it easy to plan. So you can do more than think about your future, you can plan for a brighter one. Has tomorrow become real for you? Did you know? If you start saving for retirement at age 35, and earn $40,000 per year, you will need to save at least 12.2% each year going forward to potentially achieve a fully funded retirement. 1 The 401K(i) Retirement Solution FEATURES World-class investment options combined with customized participant education and state-of-the-art recordkeeping services for a solution that provides unsurpassed fiduciary protection. CREATES A coordinated, risk-controlled approach to plan management by integrating all components of the plan into one bundled model, delivering an unsurpassed level of efficiency and control. FLEXIBILITY You decide how much you want to save and decide how your money is invested. CONVENIENCE You can select from a variety of investment options to fit your needs. TAX BENEFITS Contributions made on a pre-tax basis reduce your current taxable income. Helpful Tips: u Find a way to save automatically on a regular schedule. u Use your resources! If you need help, ask! u Find a plan that fits you, your lifestyle and your budget. u Reduce debt! The fewer bills you have to pay off, the more money you can save for retirement. 1 Assumptions: Retirement at age 65, with a goal of replacing 80% of final working income for life. Source: Ibbotson et al, National Savings Rate Guidelines for Individuals, Journal of Financial Planning, April

8 Customer Service Center P.O. Box Knoxville, TN DO NOT DISCARD. IMPORTANT MEDICAL COVERAGE OPTIONS INSIDE! IT S TIME TO CHOOSE YOUR 2015 HEALTH INSURANCE 1 2 IT S EASY TO ENROLL! CALL Speak to a live person who will guide you. VISIT OUR TRUSTED SHOPPING SITE Explore subsidies, plans, compare price tags - online. MAJOR MEDICAL open enrollment: november 15, february 15, 2015 EITHER CHOICE PUTS YOU IN THE DRIVER S SEAT TO: COMPLY WITH THE LAW AND AVOID THE TAX PENALTY. Find out if you are eligible for a subsidy in minutes. Get guidance in choosing the best affordable coverage. GUARANTEED ACCEPTANCE DURING THIS TIME ONLY! CALL OR SHOP PLANS ON OUR TRUSTED SITE. Shop plans on and off the exchange. Explore a broad menu of coverage options such as medical, dental, vision, life insurance, and more.