An Agent Guide to United American Supplemental Health & Life Products

Product Review

This Agent training brochure highlights the features of insurance policies offered by United American Insurance Company. Policy provisions govern the

specific benefits. Policy availability varies by state.

www.unitedamerican.com/logon

Medicare Supplement ProtectionWhen you sell United American Medicare Supplements, you are selling the best. Read what these General Agents have to say about UA.

“In almost 40 years of selling for competitive Medicare Supplement insurance carriers, not ONE can compare to United American. UA’s continued success is a direct result of the knowledge, communication, hands-on training, and Field Agent support services they provide, which cannot be found anywhere else in the United States. Understanding the real value of lifetime renewal commissions and choosing to make UA my number one carrier dramatically changed my life, and I am thankful for the opportunity to be a part of UA’s continued growth and success!”

— Bill Borosak, Florida

“I have been appointed with United American for less than two years, and it has been nothing short of AMAZING! UA’s Medicare Supplement insurance products allow me to offer my clients a wide range of plans at such competitive prices, which builds trust and creates a real bond between us. I never have to ‘SELL’ the client. UA’s service record and industry ratings just solidify my client’s choice. They come away feeling secure in their selection and I know I serviced my customer the absolute best way I can.”

— Lisa Rosati, Florida

1

For a Group proposal, contact Special Markets at 1-800-353-6926.

2

PLANS / BENEFITS A B C D F ▼ G K ■ L■ N●

Basic Benefits

Hospitalization (Part A

Coinsurance)✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Medical Expenses (Part B

Coinsurance)100% 100% 100% 100% 100% 100% 50% 75% Copay ●

Blood ✓ ✓ ✓ ✓ ✓ ✓ 50% 75% ✓

Hospice ✓ ✓ ✓ ✓ ✓ ✓ 50% 75% ✓

Skilled Nursing Facility

Coinsurance✓ ✓ ✓ ✓ 50% 75% ✓

Part A Deductible ✓ ✓ ✓ ✓ ✓ 50% 75% ✓

Part B Deductible ✓ ✓

Excess Doctor Charges 100% 100%

Foreign Travel Emergency ✓ ✓ ✓ ✓ ✓

Out-of-Pocket Annual Limit ■ $5,240 $2,620

▼ Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar‑year deductible. Benefits from high deductible Plan F begin after out‑of‑pocket expenses exceed the calendar‑year deductible ($2,240 in 2018). Out‑of‑pocket expenses for this deductible are expenses that are ordinarily paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the separate foreign travel emergency deductible.

■ Plans K and L provide for different out‑of‑pocket cost‑sharing (50% for Plan K, 25% for Plan L). Once you reach the annual limit ($5,240 for Plan K, $2,620 for Plan L), the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out‑of‑pocket annual limit does NOT include the charges from your provider that exceed Medicare‑approved amounts, called ‘excess charges’. You will be responsible for paying excess charges. The out‑of‑pocket annual limit may increase each year for inflation.

● Plan N pays 100% of Medical Expenses (Part B coinsurance) except for a copayment of up to $20 for an office visit and up to $50 for an emergency room visit. The emergency room copayment is waived if the insured is admitted to any hospital, and the emergency visit is covered as a Medicare Part A expense.

Some states require designated Medicare Supplement plans also be available to people under age 65 and eligible for Medicare due to disability (different application forms may be required). Policy benefits are identical for people over or under age 65. Premiums are based on preferred or standard, age, sex, state/area.

Medicare Supplement Insurance

Ancillary Plans

3

United American offers ancillary insurance products to meet the needs of your customers. These policies are not major medical insurance and are not designed to replace major medical coverage. Benefits are limited and scheduled. UA policies may be a good choice to supplement existing coverage when the customer already has a primary major medical policy. Plan availability and benefits vary by state.

• Policies pay in addition to any other coverage the insured has

• Policies are portable if the customer moves or changes jobs

• Policies are guaranteed renewable and cannot be canceled as long as premiums are paid on time

First Diagnosis Cash Benefit Cancer (CANLS-2)One time cash benefit cancer policy

FC901 UAI2853 0516© 2014-2016 United American Insurance Company. All rights reserved.

Our Cash Cancer Plan is All About Your Freedom to Choose!

“ It won’t happen to me.”

Did you know cancer can strike anyone, at anytime regardless of age or circumstances? Often without prior warning or symptoms. You probably know someone who has had cancer.

• Issue ages 0-69• Pays a one-time lump sum benefit up to $50,000 upon

written proof of first diagnosis of cancer• Benefit not contingent upon treatment — can be used

for anything• Monthly rates starting from $6• Not available in: CT, MA, MN, NJ, SD, WY• Policy Form CANB in: MT, NH

HealthGuard (CILS)Cash benefit critical illness policy

• Issue ages 18-64• Pays a one-time lump sum benefit up to $50,000 upon

written proof of first diagnosis• Covered illnesses include heart attack, stroke, total

loss of eyesight, total loss of hearing, end stage renal failure, major organ transplant

• Monthly rates starting from $3• Not available in: CT, KY, MA, MN, MT, NH, NJ, SD

4

Foundation Signature Series (MMGAP)Limited benefit hospital expense policy (applicant must have existing or pending group major medical policy).

• Issue ages 0-63• Calendar-year maximum benefit amounts up to $10,000• Helps cover major medical deductibles,

copayments, and coinsurance associated with hospital inpatient treatment

• Optional rider for additional premium: hospital outpatient expense

• Monthly rates starting from $6• Not available in: CT, FL, IA, ID, IN, KS, KY, MA, MD, ME, MN,

MT, ND, NH, NJ, OH, OR, PA, RI, SC, TN, UT, VA, VT, WA

Accident Compensation Plan (UA-250)Accident policy

• Issue ages 0-63• Choice of either lump sum accident payment up

to $10,000 or hospital cash benefit• Accidental death benefit (pays instead of all

other benefits)• Monthly rates starting from $8• Not available in: AL, CA, CT, FL, IN, NH, NJ, OR, RI, SC,

SD, TN, WA, WV

5

Final Expense Whole Life Senior Whole Life insurance with face amounts from $1,000 to $25,000*

FD786 UAI3030 1214© 2014 United American Insurance Company. All rights reserved.

Our Final Expense Insurance Policy is All About Helping You Plan Ahead!

Planning now makes good financial sense!

The last thing you want loved ones to say when planning your final arrangements is, “I can’t afford this.” Grieving takes an emotional toll, and it can be even more difficult when there’s a financial burden. It’s never easy to think about what life would be like for your family after you’re gone. But planning now can help your loved ones focus on the life you lived, and less on your final expenses.

• Issue ages: 50-80• Graded Death or Sub-Standard Benefit Policy

available where state approved.• Terminal Illness Accelerated Benefit Rider (ABR1)

automatically included, at no-cost, with Plans FER and FES (where state approved)

• Premiums stay the same throughout the life of the policy

• Not available in: MT

Juvenile Whole Life Whole Life insurance policies with face amounts from $1,000 to $25,000*

© 2015 United American Insurance Company. All rights reserved.

Our Juvenile Whole Life Insurance Policy is All About Helping You Leave a Legacy!

Your grandchildren bring you joy and remind you of life’s most precious moments – that first smile, first word, and first step. As your grandchildren grow and experience the world around them, unintentional accidents become a part of life. As they enter into adulthood, life’s living expenses become reality. A Juvenile Whole Life insurance policy may be able to help your family prepare for the unexpected and provide financial protection that can last a lifetime.

UAI3117R 0516

• Issue ages: 0-18• Terminal Illness Accelerated Benefit Rider (ABR1)

automatically included, at no-cost (where state approved)

• Premiums stay the same throughout the life of the policy

• Not available in: MT

Life Insurance Protection

*$5,000 minimum in Washington

Ancillary Plans

6

Life Insurance Protection

Fundamental Life Series™Term life insurance policies with face amounts from $25,000 to $500,000

• Issue ages vary based on policy form, gender, and tobacco or nontobacco use

• Optional riders available for additional premium: disability waiver of premium, child term life, accidental death

Term Life Insurance (Premiums stay the same throughout the term)

10-Year Renewable Term to 95 (UL10-20)• Initial term lasts for 10 years

• Term periods expiring before age 61 renew for another 10 years

• Term periods expiring on or after age 61 renew on an annual basis, premiums are then subject to change annually

• Not available in: MT, NJ, WA

10-Year Term to Annual Renewable Term (UL10-20)• Initial term lasts for 10 years

• Policy can be renewed on an annual basis at the end of the term

• Premiums are then subject to change annually

• Not available in: MT, NJ, WA

20-Year Term to Annual Renewable Term (UL10-20)• Initial term lasts for 20 years

• Policy can be renewed on an annual basis at the end of the term

• Premiums are then subject to change annually

• Not available in: MT, NJ, WA

7

Reserve Fund Annuity (USFMS)Flexible premium deferred annuity

• Available with ProCare Med-Supp plans A, B, D, HDF, G, K, or L for policyholders age 65-90 (65-86 in OK)

• Guaranteed 3% minimum interest rate • Funds can help pay for calendar year Part A and B

deductibles and Part B excess charges • Funds may be deposited in a lump sum and/or

through monthly deposits made with premium payments (minimum deposit $50)

• Minimum balance $10• No surrender fees• Maximum deposits over the life of the contract

$20,000• Maximum initial deposit $4,480 with Application• Not available in: MA, MN, NH, NJ, NY

Annuities

8

MedFacts Kit• Documents name, address, emergency contact, and

important medical information

• Includes Magnet and plastic sleeve to attach Kit to refrigerator

• Includes stickers for doors to alert medical professionals of Kit’s location

• Useful for any age group, but especially Seniors, those with medical conditions, and those who live alone

$3,000 Accidental Death Policy• $3,000 death benefit for primary insured

• $3,000 for spouse

• $1,000 for each child in household

• $10 annual premium not due until end of first policy year

• Not available in: MA, MN, NH, NJ, NY

Birthday Letter and Reply Card Inserts

LNLBDL LNL1460 1212

Happy Birthday!

As you approach your 65th birthday, let me be the first to say “Happy Birthday” and to remind you of important information regarding your transition to Medicare. At Liberty National Life Insurance Company, we want to help you purchase the right Medicare Supplement for your situation to offset the expenses Medicare doesn’t cover. Here’s what you should know about Medicare. All Seniors are eligible to enroll in Medicare Part A when they turn 65. Enrollment is automatic through Social Security and premium-free for most people. Enrollment in Medicare Part B is optional and requires a monthly premium of $104.90, which is deducted from your Social Security check. Contact your local Social Security office before your 65th birthday to make sure you receive your Social Security benefits on time and to enroll in Medicare Part B. Medicare Parts A and B will cover many of your hospital and medical expenses, but not all of them. Depending on your health and financial situation, out-of-pocket expenses can add up. A Medicare Supplement insurance plan can help you cover the deductibles, coinsurance, copayments, and some of the excess charges that Medicare doesn't cover. For more than 35 consecutive years, Liberty National has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 6/12). Every year since 1995, Liberty National has been named to the Ward’s 50 Life-Health List. It has demonstrated a long tradition of financial strength and stability. As you begin this new chapter in your life, we want you to feel good about the changes and challenges that lie ahead. A quality Medicare Supplement plan can help you do that. We’ll contact you shortly to set up a convenient time to visit with you about your Medicare Supplement needs. (And between you and me, you don’t look a day over 55!) For immediate information please call: [Agent/Agency Name at Phone Number, or visit our Branch at Address]. Visit us online at www.libnat.com. Liberty National Life Insurance Company is not connected with or endorsed by the U.S. Government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms LMSA10, LMSB10, LMSF10, LMSHDF10, LMSN10, LMSC10 in MI & VT, LMC4810 in WI, are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance and you may be contacted by an Agent representing Liberty National Life Insurance Company.

Place Stamp Here

[Agent Name][Address Line 1][Address Line 2]

Return this card for more information

• Perfect for T65 lead lists

• Birthday Letter introduces You, UA & ProCare

• Add the reply card insert in the Birthday Letter mailing

• Reply Card has attention grabbing $3,000 ADP offer

Introductory Products and Lead Generators

9

Memorial Guide• Documents information about an individual’s life for

use in death notice and eulogy

• Records who to notify at time of death

• Spells out final wishes for funeral service and burial

• Eases stress for survivors by listing location of documents like insurance policies and wills

Child Safe Kit Lead Boxes and Fingerprint Kits• Place lead boxes in your local area businesses

• Begin gathering prospect information

• Deliver the Child Safe Kit and discuss possible insurance needs

3700 South Stonebridge DriveMcKinney, TX 750701.800.925.7355www.unitedamerican.com

UAI1443 0118

Not filed as advertising. Not intended to be used with clients.

© 2013-2017 United American Insurance Company. All rights reserved.

The Company Behind the CoverageSince 1947, hundreds of thousands of Americans of all ages have relied upon United American for life and supplemental health insurance protection. The secret to our success, stability, and longevity is the Company’s commitment to quality and service. Every decision is made based on what is best for the customer, the Agents, and the shareholders.

For 40 consecutive years, United American has earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/17). We are also rated AA- “Very Strong” for Financial Strength by Standard & Poor’s (as of 10/15).