Life Insurance Products and Services

1. Life Insurance Products and Services

2. Our Advantage • Strength & Stability • Broad Product Offerings with Added Value • Benefit Features That Make The Difference • Flexible Reporting • Superior Customer Service Our strength, innovation and dedication makes us the right solution to your needs.

3. Our Strength and Stability • A.M. Best: A (Excellent) agency rating • Parent company, ranked 38th on the Fortune 500 list • Parent company, named Most Admired Health Insurance Company by Fortune Magazine • Parent company, ranked 2nd on 2006 Business Week’s Top 50 Performing Companies • More than 96,000 group customers and 5.8 million members* • Large Case/National Accounts Expertise • More than 50 years of experience* Each affiliated life company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities. *Anthem Life internal data 2006

4. Broad Product Offerings - Life Employee and Dependent Voluntary AD&D* DependentTerm Life Life Product Portfolio Employee AD&D Voluntary Life Employee Basic and Optional Term Life *(Portability) not currently available in all states

5. Innovative Supplemental Programs • Resource Advisor • Included with group Life plans at no additional cost • Provides employees and family members with resources that may help them achieve a healthier balance including: • 24 hour toll-free telephone counseling • Legal/Financial Counseling for employee or their beneficiary • Counseling sessions for an employee’s beneficiary • Access to Online Resources: resources and providers for child care and elder care, legal and financial resource center, excellent articles and links to a myriad of helpful resources

6. Innovative Supplemental Programs • Travel Assistance through Worldwide Assistance Services • Included with Large Group Life/AD&D plans at no additional cost • Provides employees and dependents with resources and information when traveling 100 miles or more away from home • Emergency medical assistance • Travel services • Pre-departure information • 24 hour multilingual call center

7. Flexible Plan Designs • Earnings schedules • Benefits based on the associate’s wages • Level amounts • Gives all associates the same benefit amount • Employment classification schedules • Benefits based on the associate’s job classification • Length-of-service schedules • Relates the amount of insurance to an associate’s years of service with the company

8. Competitive Benefit Features • Accelerated Death Benefit feature at no charge • Accidental Death and Dismemberment(AD&D) benefits • Seat belt benefit • Education assistance benefit • Access AdvantageTM Account • Interest-bearing checking account allows beneficiaries to access funds as they need them • Waiver of Premium in the event of a disability

9. Multiple Funding Options • Pooled • Refund eligible, with or without premium stabilization reserve • Minimum premium • Retrospective premium

10. Easy Enrollment & Administration • One Anthem Life & Disability Application • All traditional Life products • Dedicated Account Manager as a single point of contact for life and medical • Some joint administration with medical program • Enrollment assistance for voluntary plans

11. Superior Claim Service • Dedicated Service Center • 99.9% payment accuracy in 2006 • 98% of claims decisions paid within 30 days in 2006 • Average claim turn around time- 3.3days • Call abandonment rate below 2% • 94% of all calls answered in less than 30 seconds • Average speed of answer – 9 seconds • Busy rate – 0% Internal Anthem Life data 2006

12. Life and Disability products are underwritten by Anthem Life Insurance Company. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In most of Missouri: RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding the city of Fairfax, the town of Vienna and the area east of State Route 123.). In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.