About Assurant Health (A Rating)

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.

Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses - Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property - have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide.

Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $24 billion in assets and $8 billion in annual revenue. Assurant has more than 14,000 employees worldwide and is headquartered in New York's financial district.

About Avalon Healthcare

Focusing on the future of Florida's healthcare

Florida-based Avalon Healthcare is an innovative new health insurance company offering consumer directed health plans to employers and individuals who need affordable healthcare and live and work in Florida.

Avalon is poised to meet the rapid changes in the Florida group health insurance market through the development of innovative new products: high deductable PPO health plans wrapped around Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs). They call these plans Avalon "Focus Plans" for groups and Avalon "IFOCUS Plans" for Individuals because they clearly focus on the needs of employers, employees and individuals.

These dynamic plans allow Avalon to offer price conscious employers and individuals lower cost options for health coverage a mechanism to help them save money for health care needs such as doctor office co-pays, lab and hospital co-pays and deductibles, ancillary services such as dental and vision care and more.

The HRA and HSA are financial instruments that help employees offset health costs required until their deductible is reached and then manage the money appropriately. Unlike a flexible spending account (FSA), this money can be kept and rolled over year after year.

The mixture of high deductible PPO plans and the flexible HRA/HSA instruments provide Avalon with the next generation of health care in the State of Florida. They are designed to create appropriate selection for targeted employers, employees and individuals.

One Voice

Talk to a live Member services representative during regular business hours, not a phone tree

Member Services speed to answer - Average time 20 seconds

Learning Center
Connect via the web and get the information you need to understand the changing medical and financial healthcare landscape.

OptumHealth℠
Speak to a trained nurse 24 hours a day, seven days a week via telephone.

CareSupport

Call the Avalon CareSupport Program to obtain pricing for medical procedures at hospitals and for medical outcomes data. Members want to be sure that the care they receive is the highest quality at the best price. Avalon's CareSupport Program, works with our Members and their providers to help find the most appropriate care setting at the right price. Your primary care physician or specialist may be sending you to a hospital or lab that costs considerably more for identical services that can be rendered at a less expensive location with equal or better outcomes. Before visiting a lab, hospital or specialist, call us at: 866-949-5700 to maximize your healthcare dollars.

About UnitedHealthCare / Golden Rule (A,A- Rating)

UnitedHealthOne
UnitedHealthOne is the brand name used for products underwritten or administered by the UnitedHealthcare family of companies offering personal health insurance, including Golden Rule Insurance Company and UnitedHealthcare Insurance Company.

UnitedHealthcare
Today, UnitedHealthcare serves more than 26 million customers. Our network plans can ease access to high-quality care from more than 580,000 physicians and 4,900 hospitals across all 50 states and in four international markets.* We combine our strength and stability with nearly three decades of experience serving customers of all sizes.

Golden Rule Insurance Company
Golden Rule was purchased by UnitedHealthcare in 2003, and has served individuals and families with health insurance solutions for over 60 years. This experience and knowledge is reflected in high-quality products, timely claims handling, and outstanding customer service.

Experience and Expertise
Golden Rule’s experience and expertise has driven the development of easy-to-use and innovative health insurance products. A recognized leader — and one of the nation’s largest providers - of health savings account plans, Golden Rule continues building plans that meet the needs of individuals and families. Golden Rule is rated "A" (Excellent) by A.M. Best and "A+" (Strong) by Standard and Poor's. These worldwide, independent organizations examine insurance companies and other businesses and publish their opinions about them. These ratings are an indication of our financial strength and stability.

Customer Satisfaction
• More than 94% of all health insurance claims are processed in 10 working days or less.**
• Up to 35%-45% discounts are provided on quality care thanks to our extensive network of doctors and hospitals.***
• We're easy to reach with a toll-free customer service line. We respond quickly to customer questions and concerns.

*Plans available in AZ and GA, but please contact iCan directly for details.
* As of 1/22/2009.
** Actual 2008 results. *** Discounts vary by provider, geographic area, and type of service. Part Number 38240-G-0908

Our focus on affordable, quality health insurance for individuals and families has led to many innovations. We pioneered Medical Savings Accounts in 1993. Today, known as Health Savings Accounts (HSAs), these health plans combine lower-cost, high deductible health insurance with a tax-advantaged savings account. HSAs are a fast-growing, affordable alternative to traditional health plans and Golden Rule is the market leader.

• We respect and value all people and points of view. We deal with people in the way we wish people to deal with us. This requires us to know ourselves and to try to understand others.
• Honesty is the foundation of our organization. We strive for transparency in our reporting and regulatory relationships. We encourage disclosure of bad news and welcome dissenting points of view.
• We deliver solutions that improve the health and well-being of individuals. We derive our greatest satisfaction from improving people's lives.
• We strive to communicate our objectives and goals clearly and create ways to measure our progress toward these goals.
• We constantly strive to improve in order to meet and exceed the highest expectations of our customers, shareholders, and community. We use scientific business methods to drive and sustain improvements and lower cost.

We are individuals who share Golden Rule's values and expect to live by them - people who care about our customers and are willing to work hard to meet our obligations to them.

About United American Insurance Company

United American opened its doors in 1947 to provide life, health, and accident coverage to individuals in Texas. Today, UA operates in 49 states, the District of Columbia, and Canada and has more than 900 people in the Home Office working to ensure customers receive outstanding products, service, and support every day.

United American has developed an industry reputation for quality products and financial stability, as demonstrated by the top ratings the Company has been awarded. UA continues to expand its product selection to meet the needs of the uninsured and underinsured, and actively promotes supplemental products in the workplace.

Organizations are defined by their values. In business, the ability to translate principle into practice is the measure of success. Since the beginning, United American Insurance Company has been an organization based on four core values: stability, service, quality, and commitment. UA continues to evolve but remains defined by these principles.

Stability
Stability is an absolute essential in insurance. Customers want a company they can depend upon to pay claims. Clients invest in a policy and expect that policy to perform when needed. United American has often said it is the company that does what it says it will do. For more than a half century, United American has been meeting the individual insurance needs of its customers.

For more than 30 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (rating as of 6/08). We are also rated AA- "Very Strong" for Financial Strength by Standard & Poor's (as of 11/08).

Service Service is often the distinction between a good and a great company. A great company goes the extra mile to not just sell a product, but to establish a relationship with the customer. United American believes it is a great company, and continuously strives to deliver superior service and customer convenience.

Quality Quality is an investment in the future. UA has always operated on the premise that policyholders want quality and value, and when they buy UA, they get both. UA offers a diverse portfolio of products designed to meet the needs of clients both now and in the years to come. UA offers individual supplemental health, life, and annuity products, and also offers products to the worksite arena, all of which feature:

• Guaranteed Renewability. UA policies can never be canceled or nonrenewed as long as premiums are paid on time.
• Flexible Benefits. UA policies are designed to provide basic protection for individuals and families or serve as a supplement to existing coverage. Choose the benefits and amounts of coverage that are right for you. These can be adjusted as your life and needs change.
• Freedom of Choice. United American policyholders are free to visit any doctor or hospital they wish. Customers are not restricted to a network or list of providers.
• Portability. UA's plans are all individually written, so policies go where you do. Though you may move to a different state or change jobs, UA's benefits remain the same.

Commitment
The essence of commitment is vision. It is the ability to capitalize on experience and create a path into the future. At United American, every decision is made based on what is best for the customer, the Agent, and the Company. UA's leadership is committed to the market and to remaining a safeguard policyholders can count on for years to come.

About Companion

Companion Life Insurance Company has specialized in employee benefits for more than 35 years. We currently market insurance products in 45 states and the District of Columbia.

The mission of Companion Life Insurance Company is to be a well-managed, customer-focused organization acting in the best interests of its policyholders and marketing partners, operating on a financially sound, growing and diversified basis.

Companion Life has earned an A.M. Best rating of A+ (Superior).

About Bankers Fidelity (B++ Rating)

Bankers Fidelity Life, a subsidiary of Atlantic American Corporation, is an established industry leader in the marketing of insurance products to senior citizens throughout the United States. Headquartered in Atlanta, Georgia, Bankers Fidelity Life's products and services are marketed through a network of independent agents.

Bankers Fidelity Life is one of only 155 companies attaining charter membership in the Insurance Marketplace Standards Association (IMSA). IMSA is a voluntary membership organization promoting high standards of market conduct in sales operations and home office servicing of life and annuity products.

About American National (A Rating)

American National Life Insurance Company of Texas is a member of the American National Family of Companies.

American National Life Insurance Company of Texas ("ANTEX") has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of April 1, 2009.

A.M. Best A (Excellent) 3rd highest of 13 active company ratings 1 Standard & Poor's AA- (Very Strong) 4th highest of 20 active company ratings 2

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations.

Ratings may be changed, suspended, or withdrawn at any time. For the most current ratings visit A.M. Best at www.ambest.com and Standard & Poor's at www2.standardandpoors.com.

About PHCS

PHCS is the largest proprietary PPO in the country, with over 700,000 physicians, 3,800 hospitals and more than 66,000 ancillary care facilities throughout the United States.

They are also the quality leader among national PPO's. Their accreditations are tangible evidence of the quality and consistency of the services they offer to our customers, providers and the 16 million members who use the PHCS Network. As external review becomes a more critical element in the PPO evaluation process, you can be confident that when you choose PHCS, you are choosing a recognized leader that meets the highest national quality standards. PHCS is widely regarded as the quality leader in the industry. Their accreditation and certification accomplishments underscore their commitment to setting PPO and care management quality standards.

About GTL (B+ Rating)

Who they are, what they offer:

There are a lot of life and A&H insurance companies in America. 1,620, at last count. So it's not hard to find an insurance company to talk to when you're ready to talk insurance.

What is hard is finding the right company. And that's where Guarantee Trust Life Insurance Company comes in.

Not the biggest -- but one of the best:

GTL is not the biggest company out there. But they are definitely one of the best. You might even say they wrote the book. Right now, they have more than 1.2 million insured's and over $2 billion life insurance in force. Five distinct product categories that provide everything from life insurance to long-term health care and special risk coverage's, such as K-12, college, and athletic insurance programs; And more than $180 million in rock-solid assets to back it up. If you were to use words like "unique", "versatile", and "flexible" (and yes, "mid-sized") to describe them, you'd be right on the money.

Since GTL was founded in 1936, they have benefited from the ongoing direction of the Holson family -- father to son to grandson. Not surprisingly, this consistent top-level leadership and management continuity give them a clear view of who they are and where they are going.

What GTL believes in:

GTL made their business grow by doing things right for over 70 years. They are small enough to get things done quickly, big enough to make things happen. And although each of their divisions sells different lines of coverage and uses different methods of distribution, they share a common belief in the basics.

For example, they believe in listening. They believe in being flexible, too. They know their limits. They won't mislead you by telling you they can do something when they know they can't. And when they do tell you they can do something, you can be very sure they will deliver the goods.

We believe that GTL's variety of products and services can fill your specific insurance needs to help you get the best overall coverage from your insurance.

Finally, GTL believes that good people make a good insurance company. And they think their people are the best. They have an experienced, aggressive management group. And nearly half their staff members have been with them at least five years (in fact, over 25% have been there ten years or more). This exceptional record of tenure means most of their employees are knowledgeable about the way their company works -- not just a little corner of it.

AM Best Rating:

Guarantee Trust Life Insurance Company (GTL) of Glenview, IL GTL is rated B+ (Good) by AM Best Company -- The fifth-highest of 15 possible ratings --

About Optum (A+ Rating)

OptumHealth Allies is a consumer health savings organization dedicated to the idea that no one should have to pay full price for health care.

The OptumHealth Allies discount program provides access to health care savings to more than 15 million members nationwide.
Based in Glendale, Calif., OptumHealth Allies is part of OptumHealth, one of the nation's largest consumer health services companies, and an affiliate of UnitedHealth Group (NYSE: UNH).

OptumHealth Allies is administered by HealthAllies®, Inc., a discount medical plan organization located at 505 N. Brand Blvd., Suite 850, Glendale, CA, 91203, 1-877-426-2559.

About InteractiveMD

InteractiveMD is the newest and most advanced healthcare delivery system in America where consumers, physicians and mental health counselors can engage in real time interactive consultations, providing convenience and affordable healthcare services. Using the latest technologies in Web communications and VOIP telephony, the Company extends traditional healthcare to the home or office.

We offer a national network of licensed Board certified US based physicians and healthcare professionals experienced in telemedicine and recruited following strict credentialing guidelines so that they can diagnose, recommend treatment, and prescribe medication.

Going far beyond the telemedicine solutions available, InteractiveMD does not aim to replace traditional brick and mortar care, but complement it to provide enhanced quality of care which is both affordable and convenient.

• On-demand healthcare - Wherever and whenever you need, as often as you need. 24/7/365 Access.
• Save Money - Save hundreds or thousands of dollars by avoiding unnecessary doctors' office or ER visits.
• Save time - Avoid waiting for an appointment or sitting in the doctor's office.
• Our network of physicians - U.S. based, licensed, board-certified, and experienced.

• Your Primary Care physician is not available
• Requesting prescription medication or a refill*
• After normal business hours, nights, weekends
• For non-emergency medical issues & questions
• Traveling and need medical advice

You must complete a Medical Assessment and History Questionnaire prior to your Priority or by Appointment consult. * Prescriptions only will be issued when indicated and approved by a physician.

About Employers Choice Health Plan

ECHP is a single employer self insured program that is a cost effective alternative to a traditional health insurance plan. ECHP has been designed to comply with all State and Federal statutes as they relate to single employer self insured plans. ECHP allows employers of all sizes to take advantage of benefits, and cost efficiencies which heretofore have only been available to larger companies.

About Presidential Life Insurance Company

In 1965, Presidential Life Insurance Company ("Presidential") started as a local store front life insurance company located in Nyack, New York. Over the past 45 years, Presidential has grown into a company of national prominence and $3.6 billion of assets.

Presidential's product lines range from annuity and life insurance to accident and health policies. Over the years, Presidential gained the national reputation of offering simple to understand and consumer friendly financial products with efficient claims processing abilities. Many of our employees are long tenured individuals who have worked in multiple departments. These individuals are thoroughly familiar with the aspects of Presidential. Our consumers can rely on Presidential's knowledgeable employees to efficiently handle their insurance needs.

About HumanaOne

HumanaOne offers flexible, affordable health insurance plans for individuals and families. If you're an early retiree, recent college graduate, entrepreneur, or for some other reason, not insured through an employer, HumanaOne® is for you. Our plans could help you lower your insurance costs - in some cases by up to 50 percent. Start by choosing from a variety of PPO and high deductible health plans, then further customize your plan with any number of "extras" - at an additional cost. HumanaOne plans come with exceptional customer service and the peace of mind of knowing your plan is tailored to your specific needs. HumanaOne is a Humana Inc. brand of products.

Humana is one of the largest publicly traded health benefits providers in the country with a vast network of healthcare professionals. The network includes more than 350,000 medical providers, more than 3,000 hospitals, and nearly 50,000 pharmacies across the United States.

At Humana, we use a strategy of "consumerism" to help our members get the most from their health benefits. As our member, you can compare doctors and hospitals by performance ratings and price; use online tools to plan and budget your healthcare expenses, and more. With Humana's consumerism strategy, you can reduce costs without compromising quality.

HumanaOne plans are consumer-driven health plans for individuals and families that help lower healthcare costs. Because you have a choice in your plan features, you get exactly what you need. Choose from an array of PPO and high deductible health plans; choose the amount of your deductible and your co-insurance level to determine the monthly premium that fits your budget. Then add "extras" to your plan - from supplemental accident benefits and dental benefits to prescription drug coverage and term life insurance - at an additional cost.

HumanaOne plans are backed by Humana's large network of doctors and hospitals and offer coverage for basic and major services, plus in-network preventive care. With deductibles for single coverage ranging from $1,000 - $7,500 and family coverage from $2,000 - $15,000 for in-network care, you're sure to find a plan that fits both your lifestyle and your budget. Separate deductibles apply for non-network care. Plan options and benefits may vary by state. Waiting periods, limitations and exclusions apply.