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Group Health Insurance for Retirees

Group Benefits. Individual Service.

Liberty National Life Insurance Company

United American Insurance Company

First United American Life Insurance Company

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• Based on state availability, policies underwritten by Torchmark Corporation affiliates: United American Insurance Company

First United American Life Insurance Company

Liberty National Life Insurance Company

• A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/14)

• AA- “Very Strong” Financial Strength Rating from Standard & Poor’s (as of 08/14)

• Firmly established in the Group Retiree Health market for employer, union and association groups

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The Company Behind The Coverage

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• Experienced, reliable insurer

• Flexible, custom-built benefit programs

• Competitive first year and renewal rates

• Guaranteed acceptance

• Freedom to choose providers

• Excellent service and customer satisfaction

• Group benefits with individual service

Why Choose United American?

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• Personalized attention from dedicated group insurance professionals

• Flexible and creative solutions

• Fast turnaround time Simple quoting process New group enrollment made easy

• No individual applications required

• List billing is available

Easy to do Business With

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• We can customize a group health plan to fit your needs

• Deductibles, Coinsurance and Out-of-Pocket Maximum riders aid in limiting costs and liabilities

• Plans are automatically revised according to Medicare changes each year

• Accurate coordination of benefits and coverage with Medicare

Niche Markets

Group Retiree Health

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• Creatively designed plans to meet the needs of diverse employer/union groups

• Most plans provide coverage through the coverage gap("donut hole")

• Our Pharmacy Benefit Manager (PBM), CVS Caremark, is one of the nation’s leading drug providers

• Standard formulary includes a majority of the 100 most frequently prescribed drugs (according to the Center for Medicare and Medicaid Services (CMS)

Niche Markets

Group Medicare Part D

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• Rate philosophy – focus on long term relationships and renewals to grow business

• Low administrative costs All administrative functions performed in-house

Little to no advertising expenses

• Group Retiree Health renewal rate increases are consistently low

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Competitive Rates

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Group Retiree Health Rate Increase History

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• Providing Group Retiree Health and Part D coverage since the introduction of Medicare in 1966

• Company continually maximizes operating efficiencies for the senior market Live customer service representatives

Pioneered “Automatic” Claims Filing® (ACF) PLUS

No provider lists or referral process

Streamlined process of providing monthly medical and prescription claims activity to retiree

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Senior Market Experience

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• Insuring groups from a variety of industries Auto Manufacturers Charitable and Service Organizations Hospitals Insurers and Financial Institutions Labor Unions Mining Companies Municipalities Religious Groups Schools and Universities Public Utility Companies Energy and Utility Companies

• No industry is excluded from consideration

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Diversified Client Base

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• 98% retention rate for Group Retiree Health plans over the past five years

• Consistently low group rate increases upon renewal

• "Automatic" Claims Filing PLUS (ACF PLUS) — virtually eliminates claims filing paperwork

• We typically process healthclaims in less than3 calendar days*

• Customer Service calls are answered by live representatives

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Service Statistics

* According to company records

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How Can We Help You?

How Can We Help You?