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AFLAC PRESENTATIONAFLAC PRESENTATION April 14, 2009April 14, 2009

byby Virginia LinmanVirginia Linman

PERSONAL ACCIDENT INDEMNITY PLAN PERSONAL ACCIDENT INDEMNITY PLAN (LEVEL 2 – Accident Only Insurance)(LEVEL 2 – Accident Only Insurance)

The perfect fit for people who:The perfect fit for people who: Work in a dangerous environmentWork in a dangerous environment Are active – outdoors and sportsAre active – outdoors and sports Have children who play sportsHave children who play sports Have small childrenHave small children

IT COVERSIT COVERS

Accident Emergency TreatmentAccident Emergency Treatment Accident Follow Up TreatmentAccident Follow Up Treatment Initial Accident Hospitalization Initial Accident Hospitalization Accident Hospital ConfinementAccident Hospital Confinement Accident Specific-Sum InjuriesAccident Specific-Sum Injuries Family Lodging/TransportationFamily Lodging/Transportation Accidental Death & DismembershipAccidental Death & Dismembership

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

MAXIMUM DIFFERENCEMAXIMUM DIFFERENCE(Cancer Indemnity Insurance)(Cancer Indemnity Insurance)

The perfect fit for people who:The perfect fit for people who: Are Older (the odds of getting cancer go up as you get older)Are Older (the odds of getting cancer go up as you get older) Use or previously used tobacco (any form)Use or previously used tobacco (any form) Have a family history of cancer (particularly breast cancer for Have a family history of cancer (particularly breast cancer for

females) or have a cancer survivor in the familyfemales) or have a cancer survivor in the family Have lived or worked in an area with significant pollutionHave lived or worked in an area with significant pollution

IT COVERSIT COVERS Cancer Screening WellnessCancer Screening Wellness First-OccurrenceFirst-Occurrence Hospital ConfinementHospital Confinement Radiation, Chemotherapy and Experimental Radiation, Chemotherapy and Experimental

TreatmentTreatment Anti-nausea MedicationAnti-nausea Medication Surgical/AnesthesiaSurgical/Anesthesia Skin Cancer SurgerySkin Cancer Surgery TransportationTransportation

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

HOSPITAL PROTECTIONHOSPITAL PROTECTION(Hospital Confinement Indemnity Insurance)(Hospital Confinement Indemnity Insurance)

The perfect fit for people who:The perfect fit for people who:

Are Older (even about to retire)Are Older (even about to retire) Are still building familiesAre still building families Have a family history of inherited health problems (i.e., heart Have a family history of inherited health problems (i.e., heart

attacks, strokes, cancer, etc.)attacks, strokes, cancer, etc.) Have a health issue, but can still qualify for our policy (i.e., Type Have a health issue, but can still qualify for our policy (i.e., Type

2 diabetes)2 diabetes)

IT COVERSIT COVERS Annual Hospitalization for 5 daysAnnual Hospitalization for 5 days

$400/day for sickness$400/day for sickness $500/day for injury$500/day for injury

Daily Hospitalization benefit (total hospital Daily Hospitalization benefit (total hospital confinement) of $100/dayconfinement) of $100/day

Invasive Diagnostic ExamsInvasive Diagnostic Exams Surgical benefitsSurgical benefits Outpatient surgical benefitsOutpatient surgical benefits Ambulance and WellnessAmbulance and Wellness

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

HOSPITAL INTENSIVE CARE PROTECTIONHOSPITAL INTENSIVE CARE PROTECTION

(Hospital Intensive Care Insurance)(Hospital Intensive Care Insurance) The perfect fit for people who:The perfect fit for people who:

Are Older (even about to retire)Are Older (even about to retire) Have a family history of major health issuesHave a family history of major health issues Know that there is a major surgery in their futureKnow that there is a major surgery in their future Are planning a pregnancyAre planning a pregnancy

IT COVERSIT COVERS Hospital Intensive Care UnitHospital Intensive Care Unit Step-Down Intensive Care UnitStep-Down Intensive Care Unit Major Human Organ TransplantMajor Human Organ Transplant Progressive IssuesProgressive Issues AmbulanceAmbulance

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

SPECIFIED HEALTH EVENT SPECIFIED HEALTH EVENT (CRITICAL ILLNESS) – Plan 2(CRITICAL ILLNESS) – Plan 2

The perfect fit for people who:The perfect fit for people who: Are Older (even about to retire)Are Older (even about to retire) Have a family history of inherited circulatory system Have a family history of inherited circulatory system

problems (i.e., heart attacks, strokes, high blood problems (i.e., heart attacks, strokes, high blood pressure or cholesterol, etc.)pressure or cholesterol, etc.)

Are diabetic, but can still qualify for our policy (i.e., Are diabetic, but can still qualify for our policy (i.e., type 2 diabetes)type 2 diabetes)

FiremenFiremen ARE PLANNING A PREGNANCYARE PLANNING A PREGNANCY

IT COVERSIT COVERS Strokes, Heart Attacks, Coronary Bypass, etc.Strokes, Heart Attacks, Coronary Bypass, etc. First OccurrenceFirst Occurrence Hospital ConfinementHospital Confinement Continuing CareContinuing Care TransportationTransportation AmbulanceAmbulance LodgingLodging Waiver of PremiumWaiver of Premium

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

PERSONAL SICKNESS INDEMNITY PLANPERSONAL SICKNESS INDEMNITY PLAN

(Hospital Confinement Sickness (Hospital Confinement Sickness Indemnity Plan)Indemnity Plan)

The perfect fit for people who:The perfect fit for people who: Are Older (even about to retire)Are Older (even about to retire) Are still building familiesAre still building families

IT COVERSIT COVERS Physician VisitsPhysician Visits Initial HospitalizationInitial Hospitalization Hospital ConfinementHospital Confinement Major Diagnostic ExamsMajor Diagnostic Exams SurgicalSurgical AmbulanceAmbulance Continuation of CoverageContinuation of Coverage

IT ISIT IS Guaranteed renewable for lifeGuaranteed renewable for life Portable after one month’s paymentPortable after one month’s payment Pays benefits regardless of other Pays benefits regardless of other

insuranceinsurance Claims paid directly to owner of policyClaims paid directly to owner of policy

MATERNITY PACKAGEMATERNITY PACKAGE includes Intensive includes Intensive Care Plan1, Hospitalization Plan 3, Care Plan1, Hospitalization Plan 3, Sickness Plan 3.Sickness Plan 3.

Total benefits for a normal pregnancy Total benefits for a normal pregnancy approximately $4200. Total premium less than approximately $4200. Total premium less than $150 per month.$150 per month.

Must have program in place at least 30 days Must have program in place at least 30 days prior to pregnancy. Baby covered first 30 days.prior to pregnancy. Baby covered first 30 days.

Thank you for your time and attention!Thank you for your time and attention!

Call (512)239-9768 for more information.Call (512)239-9768 for more information.