Solutions Cancer and Intensive Care Policy & Pulse Protection Series Heart Disease, Heart Attack, and Stroke Policy Underwritten by Washington National.

Solutions Cancer and Intensive Care Policy

&

Pulse Protection Series Heart Disease, Heart Attack, and

Stroke Policy

Underwritten by Washington National Insurance Company

Washington National Insurance Co.Our Strengths

• Currently serve 2 million supplemental health insurance policy owners and nearly 5 million customers across America.

• Protecting American families for more than 30 years.• Already returned more than $250 million through

premium-back feature.• Never raised rates on an existing supplement policyholder.

According to the American Cancer Society (2004 facts):

Cancer is affecting more people• Men have a little less than 1-in-2 lifetime risk of developing

cancer.• Women have a little more than 1-in-3 lifetime risk.• 3 out of 4 families will be affected by cancer.• Cancer is the leading cause of death by disease in children

between ages 1 and 14.• The relative contribution from the environment toward cancer

risk is about 80-90%.

According to the American Heart Association (2003 facts):Heart Disease and Stroke are always in the newsThey are affecting more people…Heart attacks affected as many as 1.1 million Americans

in 2000.Almost 700,000 Americans will experience a new or

recurrent stroke each year.and playing no favoritesOver one-third of all heart attacks occur in people

under the age of 65.Strokes are a leading cause of serious disability; 53% of

all stroke victims are women.Nearly two-thirds of people who had heart attacks in

2000 were men.

GOOD NEWS!!Cancer is treated by surgery, radiation, chemicals,

hormones and immunotherapy. The 5-year relative survival rate of those diagnosed with

cancer is 63%.50%-70% of stroke survivors regain independence.One-third of the 1.1 million heart attack victims in 2000

made a complete recovery.88% of heart attack survivors under the age of 65 can return

to work.

However,Advanced treatments may be expensive, and the cost of

travel and related expenses can be enormous. Your savings and your family’s financial independence might not survive your cancer and heart treatments!

66% of the total cost of cancer treatments and more than 40% of the total cost of heart treatments are non-medical in nature and consequently, may not be paid by major medical insurance.

Fighting Cancer and Heart/Stroke Can Be Very Costly

Major medical insurance is designed to take care of the doctor and hospital bills, but it seldom pays for everything.

Many times a hospital stay for cancer, heart disease, heart attack, or a stroke can have a significant impact on a family’s finances.

There are two basic costs associated with these illnesses:• Medical Expenses—covered by medical insurance • Non-Medical Expenses—out of pocket

Loss of Income Living Expenses Transportation & Lodging Eating Out Long Distance Special Foods Child Care Insurance Shortfalls (deductibles, co-payments, benefit

limitations)

Everyone’s financial puzzle will look different. But the

Solutions Cancer & The Pulse Protection

can help you fill many of the gaps in your major medical plan and help you solve the financial

puzzle that cancer and heart disease, heart attack and stroke may cause.

Solutions & Pulse Protection Guarantees

• Direct benefits. Benefits are paid directly to you or whomever you choose.

Guaranteed payments. Your benefits are paid regardless of any other insurance you have.

Coverage. A family policy may cover you, your legal spouse, and all your unmarried children until age 21. Your unmarried children are covered to age 26 if they are full-time students.

Lifetime renewability. Your insurance policy is guaranteed renewable for life – it can’t be cancelled because of your age or state of health.

Solutions & Pulse Protection Guarantees

Benefits are never reduced as you get older. Premiums do not increase due to age or claim. Level premium. Your premium does not change as a result of leaving

your payroll group. Effective Date is the first of following month when completed by the

14th of the month. Cancer and heart coverage begins 30 days after and ICU coverage

beings 2 days after effective date.

Solutions ProtectionIn-Hospital Benefits

• First Occurrence Express Payment of $1000 for internal cancer (one time payment)

• Children additional 50%

• Heath Care Advocate• RN will help you navigate the healthcare system—backed by a staff of

medical doctors and administrative experts. Supportive services include:• Finding physicians and medical institutions• Accessing community/educational resources• Solving claims and billing issues

• Hospital Confinement Days 1-30 $100/day, • 31+ $200/day, no max

• Drugs & Diagnostic Testing up to $30/day• Attending Physician up to $20/day

Solutions ProtectionIn-Hospital Benefits

• Transportation (insured) up to $750/trip or .40/mile• Transportation (family member) up to

$750/trip or .40/mile• Lodging (family member) up to $50/night• Ambulance up to $150 per trip

Solutions ProtectionIn or Out-Patient Benefits

• Second and Third Surgical Opinion up to $175/opinion• Surgery up to $5000/surgery (surgery schedule, includes biopsies)• Reconstructive Breast Surgery• Anesthesia 25% of surgical schedule (up to $1250)• Blood & Plasma $40/unit—includes donated blood, plasma and platelets

regardless if charged!• Radiation up to $200/day, no monthly maximum• Chemo injected by medical personnel up to $200/day, no monthly

maximum• Other Chemo up to $200/drug subject, combined max of $1600/mo

Solutions Protection In or Out-Patient Benefits

• Surgical Prosthesis up to $1000/device, non-surgical up to $250 lifetime max

• Comfort Drugs (outpatient) up to $75/mo• Wigs & Hairpieces up to $250 lifetime• Skilled Nursing Facility up to $50/day• Hospice 1-60 days $60/day,

61+ days $30/day unlimited• Waiver of Premium after 90 days

Solutions ProtectionOption—Alternative Care Benefits

Integrative Assessment and Education up to $250◦ By accredited practitioner

Ameliorative Benefit up to $50/visit, 20 visits per year◦ accredited practitioner for acupuncture, massage therapy, biofeedback

and hypnosis Curative Benefit up to $100/visit, 20 visits per year

◦ accredited practitioner for naturopathic, homeopathic, ayurvedic, and herbalist

Lifestyle Benefit up to $50/visit, 20 visits per year◦ accredited practitioner for smoking cessation, yoga, meditation, relaxation

techniques, Tai-Chi and nutritional counseling.

Solutions Protection Option—Level 1

Hospital Intensive Care Rider◦ $500/day up to 30 days per confinement◦ Double the benefits for vehicular accidents ($1000/day)◦ Ambulance Benefit up to $150 per trip◦ Children less than 1 year old $150/day◦ Children over 1 year old $750/day◦ Pays benefits for sub-acute ICU◦ Blood and Plasma benefits $25/day◦ Benefits begin first day for accident, second day for sickness

Pulse Protection Unlimited Lifetime Benefits

Hospital Confinement $100/day (option 2)Surgery up to $2,500 per surgeryAnesthesia up $625 per operationSkilled Nursing Facility up to $50/dayPrivate Nurse up to $50/dayDrugs & Medicine up to $20/dayAttending Physician up to $20/dayAmbulance up to $50 per trip

Pulse Protection Unlimited Lifetime BenefitsBlood & Plasma $30/unitElectrocardiogram up to $100 per confinementOxygen up to $100 per confinementTransportation for insured up to $750 or 15

cents per mile by carTransportation for family member up to $750 or 15

cents per mile by car Lodging (family member) up to $30/dayHeart transplant up to $100,000

ROPReturn of Premium

Protection today, money back tomorrow!

Return of Premium – Money-Back Advantage

Here are three examples of how the Premium Back Advantage works when you keep your insurance in force:

No Claim Small Claim Large Claim

Total premiums paid* $9,600 $9,600 $ 9,600

Claims incurred 0 -2,000 -20,000

Amount of return $9,600 $7,600 $ 0

*Refund based on premiums actually paid over 20 year period

Return of Premium – Money-Back Advantage

Then after your money is returned, you can…

…keep the policy for life at the same rate……take it with you into retirement…and…still get your money back every 20 years or at age

75, whichever comes first.

A WIN-WIN POLICY!

Return of Premium – Money-Back Advantage

You’re guaranteed to be paid with a:•Refund•Claim•Return of premium less any claims

incurred

BENEFIT COMBINATION

EE EE&Child

EE&Family

Cancer Plan $ 9.35 $11.40 $17.10

Cancer Plan with Alternative Care 11.90 15.50 22.20

Cancer Plan with ICU 13.90 18.20 25.40

Cancer Plan with Alternative Care and ICU   16.45 22.30 30.50

Heart Plan   10.35 12.95 15.55

Cancer Plan with Heart Plan 19.70 24.35 32.65

Cancer Plan with Alternative Care and Heart Plan 22.25 28.45 37.75

Cancer Plan with ICU and Heart Plan 24.25 31.15 40.95

Cancer Plan with Alternative Care, ICU and Heart Plan 26.80 35.25 46.05

When rates are so affordable, why risk not having this valuable protection?

None of us want to think about cancer or heart disease until it happens

It’s your good health that qualifies you now See if you qualify! Many combinations of coverage to fit your budget Start with something that fits your budget—

can add more later if qualify All coverage is portable

Thank you!

Joan Buckner505-821-3971