All Prod Portfolio

Assurity at Work®Product Portfolio

Assurity at Work®

For agent use only. Not for use by consumers.Policy and rider availability, features and rates may vary by state.

What’s important when selecting an insurance company? In addition to service and product excellence, key considerations include a record of fi nancial strength, stability, integrity and experience. These are the defi ning characteristics of Assurity Life Insurance Company.

Financial Strength

For nearly 125 years, Assurity has built a legacy of protecting the fi nancial security of our policyholders, whether businesses, individuals or families. We take our future obligations to every policyholder very seriously.

To fulfi ll this responsibility, the insurance products we off er are backed by our fi nancial strength, industry expertise and commitment to serving our customers and distributors.

Assurity’s mission to “help people through diffi cult times” is complemented by the dedication of our associates and representatives nationwide. Headquartered in Lincoln, Neb., Assurity has

earned the rating of A- (Excellent)* with a stable

outlook from A.M. Best Company, the insurance industry’s leading independent analyst.

Assurity 2013 Statutory Financial Results

$2.45 billion in total assets under management

$336.8 million in total surplus and asset valuation reserve (AVR)

13.75 percent ratio of surplus and AVR to assets in 2013, a strong measure of our ability to meet future obligations

$17.2 million in dividends paid to policyholders in 2013

*A.M. Best ratings for insurers’ fi nancial strength and credit quality of obligations range from A++ (Superior) to F (in liquidation).

About Assurity Life Insurance Company $198.7 million in total benefi ts paid to

policyholders in 2013

$14.3 billion of total insurance in force

Solid Track Record

Assurity is committed to honoring our promises to policyholders now and in the future. Our company utilizes conservative investment practices and a sound, disciplined management approach. Assurity’s investment operations are guided by a focus on sustaining a strong fi nancial position while limiting credit and interest-rate risk. Our emphasis is on building and maintaining a high quality, well-diversifi ed investment portfolio, with proper matching of assets and liabilities.

Longtime Stability and Commitment

Assurity’s core values today remain the same as they were more than a century ago – protecting individuals and families, valuing community and exercising responsibility and fairness in all dealings. From the beginning, we’ve designed and marketed products for Middle America. Over the decades, we’ve created and refi ned the products and fi nancial solutions our customers want and need.

Assurity off ers a selection of dependable, competitive products with strong guarantees and features that cover the risks of death, disability and serious accident or illness. To serve diverse consumer needs, we have developed a unique blend of broad-based, complementary distribution systems. Assurity serves customers across the nation, off ering individual and worksite products including disability income, critical illness, accident, life and specialty health insurance plans.

2

(B

illio

ns)

Assurity Assets

$2.50

$2.45

$2.40

$2.35

$2.30

$2.25

$2.2020132011 2012

$ 2

.40

$ 2

.42

$ 2

.45

For agent use only. Not for use by consumers.Policy and rider availability, features and rates may vary by state. 3

Why Assurity at Work®?

You need a dedicated business partner to help you grow your worksite business and make the most of each opportunity.

Assurity at Work, a division of Assurity Life Insurance Company, can deliver the insurance plans and back-offi ce support to help create solid solutions for your clients.

Our extensive product portfolio will get the attention of your employer-prospects, while our

superior electronic systems, old-fashioned, friendly service and quick processing will work for YOU! Starting with your assigned regional sales team, we’ll support you every step of the way.

Assurity at Work assists you in providing participating companies and their employees the valuable benefi ts they want and need, at no cost to the employer. Employees can have the fi nancial protection they deserve. That’s a solution that works for everyone!

Our Premier Value-Added Features

Provide yourself and your clients the quality insurance products and top-notch service you all deserve. We have solutions that work for everyone!

For Our Distributors…

Flexible underwriting A full portfolio of voluntary worksite group and

individual insurance policies – critical illness, accident expense, disability income, hospital indemnity, cancer expense, critical illness and term, whole and universal life insurance products

Very high commissions, vested from day one Enticing company incentive trips You maintain control of your own cases We treat you “like a partner” Platinum Service Administrative support Enrollment support

For Your Employer-Clients AND You…

Strong backroom administration, with single- point, “real person” billing services

Consistent, speedy processing Responsive, personal phone service Quick case turnaround Best-in-class service—strong values and work

ethic Electronic enrollment and online proposal

system

We do worksite better! Find out today how easy it is to do business with Assurity at Work.

Acc

ide

nt

Ex

pe

nse

Ho

spita

lIn

de

mn

ityC

an

cer

Ex

pe

nse

Critic

al Illn

ess

Te

rm L

ifeW

ho

le L

ifeU

niv

ersa

l Life

Disa

bility

Inco

me

ProductColor Key

For agent use only. Not for use by consumers.Policy and rider availability, features and rates may vary by state.4

Assurity at Work Health

Product Features

Highlights: Easy to issue—no health questions for coverage Group and individual plan design availableAff ordable—as little as $3 per weekOver 25 benefi ts payable Pays for:

Accident Emergency Treatment ( emergency room visits, physician’s offi ce or urgent care) Follow-up Treatment Hospital admission Hospital confi nement Diagnostic exams Lacerations Fractures Dislocations Accidental death Hospital intensive care unit confi nement

Coverage is portable

Benefi t Options: 24-hour coverageOff -the-job only coverage

Benefi t Amounts: One- or two-unit plans

Rate Structure: Employee, Employee/Spouse, Employee/Child, FamilyUnisex; UnismokeOne age band

Renewability: Individual plan is guaranteed renewable to age 70, conditionally renewable for life; group plan is optionally renewable

Underwriting: No health questions for coverage

Issue Ages: Employee and spouse: 18+; children: birth through 25 years

Optional Riders: Accident-only Disability Income Rider (available to employee only)Wellness Benefi t Rider

Accident Expense PRO®Individual: W H1101 (24-hour) and W H1102 (Off -the-job only);

Group: G H1105/G H1105C (24-hour) and G H1106/G H1106C (Off -the-job only)

Accident Expense PRO Insurance is an insurance policy that helps cover deductibles and out-of-pocket expenses by providing benefi ts for an insured person’s death, dismemberment or medical care resulting from a covered accident.

Where not approved, Accident Expense+ may be available with some product variations from what is described above.


Product Features

Highlights: No-hassle, Guaranteed Issue (GI) available Flexible plan design allows customization to match employer health benefi ts Pays a daily benefi t – regardless of existing medical coverageAny licensed medical doctor or hospital may be usedCoverage is portable

Benefi t Amounts: $100-$1,000 per day (sold in $50 increments)

Benefi t Periods: 180 or 365 days

Elimination Period – Accident:

0 days (immediate)

Elimination Periods – Sickness:

0 or 7 consecutive days

Rate Structure: Employee, Employee/Spouse, Employee/Child, Family Unisex; Unismoker Six age bands: 18-39, 40-49, 50-59, 60-64, 65-69, 70+

Renewability: Individual plan is guaranteed renewable to age 70, conditionally renewable for life;Group plan is optionally renewable

Underwriting: Guaranteed Issue and Simplifi ed Issue available; “Yes/no” application

Issue Ages: Employee and Spouse: 18+; Children: 0 days through age 25

Optional Riders: First Hospital Admission Rider Wellness RiderEmergency Accident RiderCritical Illness RiderDiagnostic RiderSurgical and Anesthesia RiderInitial Hospitalization Lump Sum RiderIntensive Care Unit (ICU) RiderPrivate Duty Nurse RiderOutpatient Sickness RiderAccidental Death and Dismemberment Rider


Hospital Indemnity PRO™ Individual: W H1229; Group: G H1230/G H1230C

Hospital Indemnity PRO Insurance is an insurance policy that provides a daily benefi t for hospital confi nement due to a covered accident or sickness—with no deductibles or coinsurance.

Where not approved, Hospital Indemnity+ may be available with some product variations from what is described above.

6For agent use only. Not for use by consumers.

Policy and rider availability, features and rates may vary by state.

Product Features

Highlights: Radiation Treatment, Chemotherapy, Hormone Therapy or Immunotherapy benefi t – Pays a monthly indemnity benefi t for covered treatment up to the selected monthly/lifetime maximums

Bone marrow and stem cell transplant benefi tExperimental treatment benefi tCancer screening benefi tProsthetics, hairpieces, breast reconstruction coveredCoverage is portable

Benefi t Amounts: Hospital Confi nement: $150, $250, $350 per dayRadiation/Chemotherapy/Hormone Therapy/Immunotherapy(monthly maximum/annual maximum): $2,500/$10,000; $2,500/$15,000; $5,000/$20,000 or $5,000/$30,000

Rate Structure: Employee, Employee/Spouse, Employee/Child, FamilyUnisex; UnismokeSix age bands: 18-39, 40-49, 50-59, 60-64, 65-69, 70+

Renewability: Individual – Guaranteed renewable for lifeGroup – Optionally renewable

Underwriting: Simplifi ed Issue; “Yes/No” application


Optional Riders: Cancer First Occurrence Benefi t RiderCancer First Occurrence Increasing Benefi t RiderIntensive Care Unit (ICU) Benefi t Rider Specifi ed Disease Benefi t Rider


Cancer Expense PRO™Individual: W H1220; Group: G H1225/G H1225C

Cancer Expense PRO Insurance is an insurance policy that provides specifi ed indemnity benefi ts for the insured’s diagnosis, treatment and prevention of cancer.

Where not approved, Cancer Expense+ is available with some product variations from what is described above.


FoFoForrr agagaggageenenenttt usususee ononnlylyly.. NoNoNottt fofofofor r rr ususususe ee bybybybyy ccccononononononsusususss memersrs..PoP liicycycycy aaaandndndndddd rrrrridididdidddererererrrr aaaaaaavvvvvvaav ililii ababilillitity,y, ffeaaeaatutututurerererereees s ssss s anananaananand dd d rarararararaaaaatetetettetetetetetessssssssss mmamamamamamamamamay y y yy y vvvavvavavarryryry bbby yyy statatatate.e.e.eeee. 7

Product Features

Highlights: No-hassle, Guaranteed Issue (GI) available Group and individual plan design availableLump sum benefi t Up to triple the maximum benefi ts may be paid for illnesses from the “heart/stroke” category, the “other illnesses” category and the Cancer Rider. Built-in Return of Premium Upon Death benefi t for causes other than critical illnessCoverage can include spouse and childrenCoverage is portable

Benefi t Amounts: Employee and Spouse: $5,000 to $100,000; Child: $5,000 or $10,000. Spouse and child benefi t amount must be less than or equal to the employee benefi t amount.

Covered Conditions:

Rate Structure: Employee, Spouse and Child (separate rates)Unisex; Non-Tobacco and TobaccoSix age bands: 18-39; 40-49; 50-59; 60-64; 65-69; 70+

Renewability: Individual plan is guaranteed renewable for life; group plan is optionally renewable

Underwriting: Guaranteed Issue and Simplifi ed Issue available; “Yes/No” application


Optional Riders: Cancer Benefi t RiderHealth Screening Benefi t RiderRecurrence Benefi t Riders for Critical Illness and for Cancer


Critical Illness PRO® Individual: W H1108; Group: G H1107/G H1107C

Critical Illness PRO Insurance is an insurance policy that provides a lump sum benefi t upon diagnosis of 15 specifi c illnesses and procedures (with cancer rider).

Category 1:

Heart Attack

Major Organ Transplant (heart or

combination transplant, including heart)

Stroke

Coronary Bypass Surgery

Angioplasty

Cancer Benefi t Rider

Carcinoma in Situ (non-invasive cancer)

Invasive Cancer

Category 2:

Advanced Alzheimer’s Disease

Coma

Kidney (Renal) Failure

Major Organ Transplant not covered

in Category 1

Occupational HIV

Paralysis not as a result of a stroke

Severe Burns

Loss of Independent Living (ADL)

Where not approved, Critical Illness+ is available with some product variations from what is described above.

For agent use only. Not for use by consumers.Policy and rider availability, features and rates may vary by state.8

Assurity at Work Life

Term Life PRO™Individual: ICC13 W L1307; Group: ICC13 G L1308/ICC13 G L1308C

Term Life PRO Insurance is a level-benefi t, level-premium term life insurance policy that provides coverage for a fi ve-, 10-, 20- or 30-year term.

Product Features

Highlights: Five-, 10-, 20- and 30-year term periods availableAccelerated Benefi ts Rider included at no charge—may accelerate a portion of life insurance proceeds if the insured is terminally ill or expected to stay in a nursing home until death (individual product only)Annually renewable to age 95 without evidence of insurabilityWide array of riders including disability income and critical illness coverage Coverage is portable

Benefi t Amounts: Employee: Minimum $5,000; maximum $200,000 depending on issue age, group size and level of underwritingSpouse: Minimum $5,000; maximum $25,000, depending on issue age, group size and level of underwritingDependent child: $5,000 or $10,000

Benefi t Periods: 5-year term – renewable in 5-year terms, annually renewable after age 80; for issue ages 75 and above, one 5-year term is available with annually renewable thereafter10-year term – renewable in 10-year terms, annually renewable after age 8020-year term – annually renewable after initial term period30-year term – annually renewable after initial term period

Rate Structure: Individual: Employee, spouse and dependent children Group: Employee onlyUnisex, tobacco and non-tobacco

Convertibility: All or part of the face amount may be converted to a permanent policy without evidence of insurability.

Underwriting: Guaranteed Issue, Conditional Issue and Simplifi ed Issue available; “Yes/No” application

Issue Ages: 5-year Term: Employee 18-95, Spouse 18-70, Children 0-2510-year Term: Employee/Spouse 18-70, Children 0-2520-year Term: Employee/Spouse 18-60, Children 0-2530-year Term: Employee/Spouse 18-50, Children 0-25

Optional Riders: Waiver of Premium RiderSpouse Term Insurance RiderChildren’s Term Insurance RiderAccidental Death Benefi t RiderAccident-only Disability Income RiderCritical Illness Benefi t Rider

Where not approved, Term Life+ is available with some product variations from what is described above.


Product Features

Highlights: Rates and values are among the best values in worksite industryAccelerated Benefi ts Rider included at no charge—may accelerate a portion of life insurance proceeds if the insured is terminally ill or expected to stay in a nursing home until death (individual product only)Multi-product discount available—policy fee waived if insured has another worksite Assurity productWide array of riders including disability income and critical illness coverageDependent coverage available as term rider or policyCoverage is portable

Benefi t Amounts: Employee: Minimum $5,000; maximum $200,000 depending on issue age, group size and level of underwritingSpouse: Minimum $5,000; maximum $25,000, depending on issue age, group size and level of underwritingDependent child: $5,000 or $10,000

Rate Structure: Individual: Employee, spouse and dependent childrenGroup: Employee onlyUnisex, tobacco and non-tobacco

Underwriting: Guaranteed Issue, Conditional Guaranteed Issue and Simplifi ed Issue available; “Yes/No” application

Issue Ages: Individual plan: Employee and spouse: 18+; Children: birth through age 25Group plan: Employee 18+

Optional Riders: Level Term Insurance RiderWaiver of Premium RiderSpouse Term Insurance RiderChildren’s Term Insurance RiderAccidental Death RiderAccident-only Disability Income RiderCritical Illness Rider


Whole Life PRO™ Individual: ICC13 W L1305; Group: G L1306/G L1306C

Whole Life PRO Insurance is a level-benefi t, non-participating whole life insurance policy with level, guaranteed premiums to maturity at age 121.

For agent use only. Not for use by consumers.Policy and rider availability, features and rates may vary by state.

For agennnnntttttt ususususususeeeeeee ononnnnnnnnllylyylylylyly.. NNNoN ttt fofofoofor uususseeee byyy cconsuuuumememememm rsr .Policy and riderrrrrrrrr aaaavavavaaaaailililiiii ababbbababiilililitityy, fffffffeaeaeaeaeaeaaatuttttututut rrrrrerees aaannnndd rar teteteeetees mamamamamamamamamm yyyyyyyyyy vav ryryy bbbbbbbbbyyyyy yyyy state.10

Product Features

Highlights: No-hassle, Guaranteed Issue (GI) availableAccelerated Death Benefi t Rider available at no chargeWithdrawals or policy loans can be taken from policy’s accrued value Policy owners may have the fl exibility to adjust premiums or face amounts when needed Policy is portable

Issue Amounts: Minimum: $3 weekly premiumMaximum: $12 weekly premium to $100,000 benefi t amount

Rate Structure: Unisex, Unismoke

Underwriting: Guaranteed Issue, Qualifi ed Issue and Simplifi ed Issue available; “Yes/No” application

Issue Ages: 18 through 65

Optional Riders: Child Term RiderWaiver of Premium Rider20-Year Level Term Rider (Employee and Spouse only)Accidental Death Benefi t Rider


Universal Life 0410, 0420

Universal Life Insurance is a permanent life insurance policy that builds tax-deferred cash value and provides a death benefi t.


Assurity at Work Disability Income

Product Features

Highlights: No-hassle, Guaranteed Issue (GI) available Group and individual plan design availablePlan design fl exibility allows employees to select the benefi t amount (in $100 increments) Premiums are level Coverage is portable

Benefi t Options: Off -the-Job Accident/Sickness Off -the-Job Accident-only (On-the-job coverage available by rider)

Benefi t Amounts: Minimum: $300 per monthMaximum: $5,000 per month up to 60 percent of income (may be subject to underwriting approval)

Benefi t Periods: 3, 6, 12 or 24 months

Rate Structure: Employee onlyUnisex; UnismokeFour age bands: 18-49; 50-59, 60-69, 70+Four industry rate classes

Renewability: Individual plan is guaranteed renewable to age 70; conditionally renewable for life; group plan is optionally renewable

Underwriting: Guaranteed Issue and Simplifi ed Issue available; “Yes/No” application

Elimination Periods – Accident only:

0, 7, 14, 30, 60, 90 or 180 consecutive days

Elimination Periods – Accident and Sickness:

0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 or 180/180 consecutive days

Issue Ages: 18+

Optional Riders: Emergency Accident RiderSpouse Accident-Only Disability Income RiderRetroactive Injury Benefi t RiderOn-the-Job Accident/Sickness Disability Income RiderOn-the-Job Accident-Only Disability Income Rider

Disability Income PROIndividual: W H1207 (accident-only); W H1206 (accident and sickness)

Group: G H1214 (accident-only); W H1213 (accident and sickness)

Disability Income PRO Insurance is an individual short-term disability income insurance policy that provides income replacement by paying a monthly benefi t when an insured person is disabled.

Where not approved, Disability Income+ is available with some product variations from what is described above.

For agent use only. Not for use with consumers. 15-327-05053 Rev. 2/14

Policy and rider availability, features and rates may vary by state. These policies and riders may contain reductions of benefi ts, limitations and exclusions. For costs and complete details of the coverage, please contact Assurity Life Insurance Company or review the policy contract.

P.O. Box 82533Lincoln, NE 68501-2533

(800) 276-7619www.assurityatwork.com

All Prod Portfolio

Documents