Ancillary ProductsFrom The IHC Group

The IHC Group Corporate Overview

Ø The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years.

Ø Members of The IHC Group include:

Ø American Independence Corp. (AMIC)

Ø Standard Security Life Insurance Company of New York (SSL)

Ø Madison National Life Insurance Company, Inc. (MNL) and;

Ø Independence American Insurance Company (IAIC)

For training purposes only. Not for public distribution or solicitation.

© IHC Group 2015

Metal Gapu Three plans to choose from including A, B, or C.

u Provides benefits for covered accidents up to the selected maximum amount, minus the deductible, or the actual expense you incur whichever is less.

u Provides a lump sum payment for covered illnesses and accidents that is paid directly to the insured.

u Metal Gap Plans are supplemental insurance coverages and association benefits.

u Guaranteed issue (12 month pre-ex. applies)

u Plan C requires applicant to attest they have an ACA compliant plan in place at time of application

u Metal Gap Plans are available to members of Communicating for America (CA).

u Underwritten by Madison National Life (MNL)

Metal Gap Plan Designs

For training purposes only. Not for public distribution or solicitation.

Benefits Plan A Plan B Plan C

Supplemental Accident $3,500 $6,350 $6,350

Critical Illness $7,500 $7,500 $7,500

Accidental Death and Dismemberment No No $10,000

First Day Hospital Confinement No No $500

Rx Discount Yes Yes Yes

Vision Discount Yes Yes Yes

CA eNewsletter Yes Yes Yes

Metal Gap Effective Dates & Billing

u Available Metal Gap effective dates:

u 1st, 8th, 15th and 22nd

u Initial draft/charges occur at the time of submission of application

u Payment options: credit card (Mastercard, Visa, Discover) or bank draft

u Subsequent draft/charges occur on date that corresponds with policy’s effective date

Frame Dental

u 4 plan options

u 2 Indemnity plans

u 2 PPO plans

u Vision insurance program available

u $0 deductible options

u Annual maximum up to $1,500

u Daily effective dates

u Preventative care without waiting

Telemedicine

u Telemedicine provides 4 benefits

u Teladoc

u 24/7/365 access to board-certified doctors

u Best Health

u Stay informed on health trends, nutrition and fitness through www.ihcbesthealth.com

u Davis Vision

u Clear Vision discount program on eye exams, lenses, frames and much more

u Innovative Medical Risk Management (IMRM)

u Advocacy on your behalf in the event of large out-of-pocket expenses

Quoting and Enrollment

u www.myihcgroup.com

u Quoting engine

u Email proposals with application links for clients to self enroll

u Only allows you to quote plans that are available in your state

u View brochures

u View product information

u Access your activity reports

u Case status

u View policy information

u Download policy information

For training purposes only. Not for public distribution or solicitation.

Enrollment Continued

u E-signatures are acceptable

u At the end of the enrollment process the client will be asked to review the application for accuracy

u All policy documents and fulfillment are provided via email

For training purposes only. Not for public distribution or solicitation.

Log in page: www.myihcgroup.com

Welcome page

Agent Name #1300000

Product Landing Page

Important Information

For training purposes only. Not for public distribution or solicitation.

About Communicating for America

Communicating for America, Inc. (CA) is a national non-profit advocacy organization that supports affordable healthcare for all Americans. Since 1972, more than 100,000 consumers have trusted CA to help them find affordable health insurance and GAP plans to stretch their healthcare dollar while advocating on their behalf with insurance companies, regulators and lawmakers.

About Madison National Life Insurance Company, Inc.

Madison National Life Insurance Company, Inc. (Madison National Life), domiciled in Wisconsin is licensed to sell insurance products in 49 states, the District of Columbia, Guam, American Samoa and the U.S. Virgin Islands. Its core products and services are health insurance, group life and disability income, employer stop-loss, specialized individual life and annuity products to military and government personnel. It is rated A-(Excellent) for financial strength by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

About Standard Security Life Insurance Company of New York

Standard Security Life was founded in 1958 is domiciled in the State of New York and is headquartered in New York City. It is licensed in all 50 states, the District of Columbia, the Virgin Islands, and Puerto Rico. Standard Security Life provides various lines of life, health and disability insurance, including: employer medical stop-loss, disability benefit law (DBL), short-term medical, group major medical, individual and group dental and vision, individual accident and health insurance, group term life, specialty programs designed for volunteer emergency service personnel including group life insurance and service awards programs. Standard Security Life is rated A- (Excellent) by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

Important Information

For training purposes only. Not for public distribution or solicitation.

Ebix Health Administration Exchange

Ebix Health Administration Exchange is a full service administrative services company that operates in 50 jurisdictions in the individual and employer markets, and provides state of the art and highly efficient open health insurance exchanges through its affiliation with EbixIncorporated, and, through an affiliate, is the provider of pet insurance solutions that provide pet parents, specialty pet hospitals and universities and general veterinary practices with the only open exchange in the country for all interested constituencies.

About The IHC Group

The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. For more information about The IHC Group, visit www.ihcgroup.com.

Thank you

u Questions? Please contact your IHC Representative

For training purposes only. Not for public distribution or solicitation.