United American Insurance Company Proudly Serving Policyholders Since 1947 UAUHP-07 UAI0386 1107.

United American Insurance Company

Proudly Serving Policyholders Since 1947

UAUHP-07 UAI0386 1107

What United American Stands For…

Stability — Meeting the life and health insurance needs of the public for more than 60 years

Financial Strength• A+ (Superior) Financial Strength Rating from

A.M. Best Company for more than 30 consecutive years (as of 6/07).

• AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 11/07).

Quality Protection — Insurance coverage to protect you and your family now as well as in years to come

Superior Service — One-on-one personal service for the life of your policy, backed by Home Office support staff

That’s our way… the United American way.

What Are the Headlines Saying?

Healthcare costs rising faster than the economy!

& More people are uninsured!

Sources: National Coalition on Health Care, March 20, 2007 U.S. Census Bureau, August 29, 2006

Americans Face a Healthcare Crisis!

Healthcare costs continue to advance much faster than the rest of the U.S. economy:• 6.9% increase in 2005• 7.9% increase in 2006• 7.7% increase in 2007 (projected)

Sources: National Coalition on Health Care www.nchc.org/facts/cost.shtml; Hewitt Associates, October 9, 2006

Costs are slowing but still far exceed the rate of general inflation!

The Cost of HealthcareInsurance premiums have risen at a rate even greater than the rate of health care inflation.

According to experts, “Consumers can expect to pay more for greater access to health care.”

Source: PricewaterhouseCoopers, April 2006

Estimated Breakdown of Insurance Premiums with Medical Liability and Defensive Medicine Extracted, 2005

Persons Without Health Insurance

Rising costs in healthcare are pushing up health insurance premiums and forcing Americans into the ranks of the uninsured.

It becomes a problem if you are a member of the uninsured!

Sources: U.S. Census Bureau, August 2006 (Center on Budget and Policy Priorities) www.cbpp.org/8-29-06health.htm

1998 — 41.4 million

2002 — 41.2 million

2003 — 43.6 million

2004 — 45.3 million

2005 — 46.6 million

United American Insurance Card

In order to receive nonemergency or poststabilization treatment, consumers must demonstrate an ability to pay.

This is when your United American health insurance cardis most valuable!

Name: PAULA C. HOLDER

Policy PolicyNumber 57300876888 Effective 01-25-03

Where Do the Largest Medical Expenses Occur?

Hospital Confinement

Surgical Expenses

Emergency Room Charges

Source: Paul Ginsburg, Bradley Strunk, Michelle Banker, John Cookson – Tracking Health Care Costs: Spending Growth Remains Stable at High Rate in 2005, Data Bulletin October 2006

Hospital Confinement vs. Doctor’s Office Bills

• Average hospital confinement includes room/board, surgical, miscellaneous, and emergency expenses.

• $20,000 was the average national hospital admission charge in 2006.*

Source: Washington Post, October 2006

As compared to the larger medical expenses above,the average cost of a doctor’s office visit in 2006 was relatively low. It was only $200!*

Therefore, the Most Important Areas to Cover Are:

Hospital Confinement

Surgical Expenses

Emergency Room Charges

• Guaranteed renewable individual policies, not collectively renewable

• Issue age pricing, not attained age pricing

• No preauthorization

• Excellent industry ratings & claims paying abilities

• No associations or association dues

• Use anywhere in the USA

• Home Office and Local Agent support

• No lifetime maximums – the benefit schedule starts again with each new injury or sickness!

• Freedom to choose for doctors and hospitals

Choosing a Health Insurance Policy

United American offers:

It’s YOUR health!

YOU choose your healthcare providers.

WHO? WHAT? WHEN? WHERE?

These are questions that YOU answer!

With United American, you are in control of your healthcare — no gatekeepers, no primary care physicians, no precertification, and no worries about using out-of-network providers, which could run up huge co-payment obligations.

UA’s Freedom of Choice

That’s our way… the United American way!

United American’sGOOD SENSE PLAN

An affordable health insurance policy that makes good sense!

GSP1Specified Benefit Hospital and Surgical Expense Coverage

for Individuals & Families

DRB* Maximum $400 Issue Ages 0-63**

*Daily Hospital Room Benefit**Ages 0-60 in CA

Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP1 Eligible Hospital and Surgical Expenses

Daily Room Benefit $400 per day up to $292,000

Benefits are payable for as long as two years for each covered injury or sickness beginning with the first day of hospital confinement. Benefits renew for each new covered injury or sickness.

Intensive Care Benefit $800 per day up to $72,000 Two times the Daily Room Benefit is payable in lieu of Daily Room Benefit for up to 90 days of confinement in an intensive care unit of a hospital for each injury or sickness. Benefits renew for each new covered injury or sickness.

Surgical Expense Benefit up to $7,500Benefits are payable for surgical operations due to each injury or sickness per schedule (up to $7,500). Benefits renew for each new covered injury or sickness.

Assistant Surgeon’s Benefit up to $1,500 20% of the surgical benefit payable.

Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP1 Eligible Hospital and Surgical Expenses

Administration of Anesthetic Benefit up to $1,875 Benefits are payable for administration of anesthetic up to 25% of the surgical benefit payable. Benefits renew for each new covered injury or sickness.

Radiotherapy Benefit up to $7,500Benefits are payable in lieu of other policy benefits for radiotherapy treatment IN or OUT of hospital for each injury or sickness. Benefits renew for each new covered injury or sickness.

Registered Nurse Benefit up to $15,300Benefits are payable for full-time private duty services of a Registered Nurse (R.N.) up to $85 per 8-hour shift for 2 shiftsper day for up to 90 days for each injury or sickness. Benefits renew for each new covered injury or sickness.

Ambulance Benefit up to $150Benefits are payable for ambulance expense for each injury or sickness. Benefits renew for each new covered injury or sickness.

Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP1 Eligible Hospital and Surgical Expenses

In-Hospital Medical Expense Benefit up to $2,000Benefits are payable for expenses incurred up to $35 per visit, one visit each day, up to $2,000 for doctor’s visit for each injury, or sickness not requiring surgery. Benefits renew for each new covered injury or sickness.

Miscellaneous Hospital Expense up to $25,000 Benefits are payable for miscellaneous hospital expense (less $500 deductible) at the rate of 80% of the expense incurred, other than room charges or physician fees, up to $25,000 (plus $500 if the maximum is reached) for each injury or sickness. This benefit is payable during a hospital confinement or when surgery is performed in a hospital on an outpatient basis. Benefits renew for each new covered injury or sickness.

Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP1 Eligible Hospital and Surgical Expenses

Outpatient Hospital Benefit up to $200Benefits are payable for treatment at a hospital for any one covered injury or sickness not requiring confinement as a resident patient (except when a larger benefit would result from miscellaneous hospital expense benefit because of surgery performed in the hospital on an outpatient basis). Benefits renew for each new covered injury or sickness.

Additional benefits available in most statesMales over 50 — yearly prostate cancer screeningFemales over 35 — yearly mammogramBreast reconstructive surgeryAll insureds — diabetic equipment, supplies, and training

Guaranteed renewableIndividually owned policy

Issue age pricingPolicy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

GSP1 Eligible Hospital and Surgical Expenses

Accidental Death BenefitThe premiums paid for an insured’s coverage will be refunded if the insured’s death results from accidental bodily injury.

Example: $200 a month premium x 12 months x 5 years = $12,000 Refunded

Policy Form GSP1. Plans/benefits may vary by state. This policy has some limitations and exclusions.

LIMITATIONS AND EXCLUSIONS

We will not pay benefits under this policy for:

1. Normal pregnancy (including childbirth); or

2. Rest cure, custodial care, or functional nervous or mental disorders; or

3. Any hospital stay or other service for which you or a family member do not incur a charge; or

4. Any loss covered by any workers’ compensation or employers’ liability law; or

5. Any hospital stay or other service that is not medically necessary; or

6. Any expense incurred in excess of the usual, customary, and regular charges for any service or materials in the geographic area where furnished; or

7. Charges incurred for professional radiological or pathological interpretation; or

8. Rehabilitative care services received at a facility not meeting the definition of a hospital.

Consider theseadditional UA

Supplemental Healthproducts . . .

Policy Form UA-250

Plans/benefits may vary by state.

Policy Form CILS

Plans/benefits may vary by state. See application/brochure for Limitations & Exclusions

Cash Cancer ProductThis is a cancer-only policy.

Policy Form CANLS2. Plans/benefits may vary by state.

• First diagnosis, cash benefit supplemental cancer policy.• Pays one-time cash payment.• Benefit paid upon written satisfactory proof of first diagnosis, as specified in the policy, of internal cancer or malignant

melanoma.• Coverage for individual, single parent, and family. • Issue ages 0-69.• Policy pays in addition to any other existing coverage.• No hospitalization or treatment required to collect the full benefit

amount due.

Policy Form SMXC

Plans/benefits may vary by state.

Policy Form SSXC

Plans/benefits may vary by state.

Policy Form HMXC

Plans/benefits may vary by state.

UA Partners® Program

• Dental • Vision • Hearing• Chiropractic • Prescription Drug • Vitamins & Nutritional Supplements• 24-Hour Nurse HelpLine• Travel Assist

Our optional noninsurance discount health services program includes:

Disclosure: This plan is NOT insurance. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. This plan is administered by Coverdell & Company, Inc., a discount medical plan organization at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631, 1-800-308-0374. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid.

Optional discount health services program with savings for:

0%

10%

20%

30%

40%

50%

60%

20%–40%Chiropractic

UA Partners® Program

10%–50%Dental

20%–60%Eye Care

10%–20%Hearing Aids

Up to 30%Prescriptions

Save More $$Mail Order Pharmacy

30%–50%Vitamins/

Supplements

Why United American?• Providing quality health protection since 1947.• Excellent ratings with A.M. Best and Standard & Poor’s.• Fast policy issue (approximately two weeks)*.• Personal support (can speak with a live person, either Home

Office staff or Agent).• Individual qualification (not a group plan).• Guaranteed renewable policies, as long as premiums are

paid on time.• Issue-age pricing.• No associations or association dues.• Freedom of choice for doctors and hospitals.

*Based on Company records as of 12/06.