Dental, Vision & Hearing Insurance

1. Dental, Vision & Hearing Insurance

2. Today’s Topics • Who is Medico? • Overview of the Medico Information Center (MIC) Website • Overview of the Dental, Vision & Hearing (DVH) Product • How to generate a link & begin selling the DVH online

3. Who Is Medico? Medico Insurance Company began operations in 1930, right here in Omaha, Nebraska. We offer quality health and life insurance products to Americans nationwide. Today, Medico Insurance Company continues a proud tradition of service to our customers.

4. The Medico Way • Phone Numbers • Client Services • 1-800-228-6080 • Agent Services • 1-800-547-2401 • Underwriting Hotline • 1-800-626-2068 • The way insurance should be • Our Client Services Department includes • Claims • Policyholder Services • Turn around time for claims processing is 7-10 working days • 95% of all claims are handled electronically. • 99.9% accuracy on Claims Handling • Our Agent Services Department is available to answer any questions you may have • Turn around time on contracting paperwork is 7-10 business days • Our Underwriting staff is experienced with over 100 years of combined underwriting service • Application turnaround time – 7-10 business days

5. Our Agent Website – The Medico Information Center (MIC) • Upload New Business • Application Status • Rate Quoting • Commission Statements • Approved Products and Forms • Pre-Approved Advertisements • Supplies • https://mic.gomedico.com

8. Commission Statements Page

11. Approved Advertising is Available • Agent or Consumer – can be customized • Agent Recruiting Pieces • Print Ads & Electronic Ads • Stuffers

12. Medico’s Suite of Products • Medicare Supplement • Dental, Vision & Hearing • First Diagnosis Cancer • Recovery Care Platinum • Hospital Indemnity • Final Expense Whole Life

13. Dental, Vision & HearingInsurance

14. Dental, Vision & Hearing – 41 States WASHINGTON NORTH MAINE MONTANA MINNESOTA DAKOTA VT OREGON NH WISCONSIN MASS SOUTH IDAHO DAKOTA NEW YORK MICHIGAN WYOMING RI CONN IOWA PENN NEW NEBRASKA JERSEY NEVADA OHIO DELAWARE INDIANA UTAH ILLINOIS COLORADO MARYLAND WV KANSAS VIRGINIA MISSOURI KENTUCKY CALIFORNIA NORTH CAROLINA TENNESSEE ARIZONA ARKANSAS OKLAHOMA SOUTH CAROLINA NEW MEXICO MISS GEORGIA ALABAMA TEXAS FLORIDA LOUISIANA Product Approved in State ALASKA HAWAII May, 2011

15. Sales & Marketing Highlights • No Network – Travels Well • Low Rates • High Persistency Rate: • Over 80% keep their policies • Our coverage goes up each year: 60% year one, 70% year two, 80% year three and thereafter; this helps keep persistency up • Covers what Medicare does not cover • High demand for dental coverage in the marketplace • Pays in addition to any other coverage, no network • Available in 41 states • Online Application available through MIC (in most states)

16. Policy Benefits • Deductible - $100 Policy Year Deductible. • Maximum Benefit – The applicant can choose between a $1,000 or a $1,500 Policy Year Maximum at the time of application. (Florida, Arizona & North Carolina also offer a $2,000 benefit.) • Benefits – After the $100 Policy Year Deductible is satisfied, the policy pays the following percentages of Reasonable and Customary Charges for Covered Expenses up to the $1,000 or $1,500 Policy Year Maximum: • 60% - First Policy Year • 70% - Second Policy Year • 80% - Third Policy Year and Thereafter • In addition to the benefits listed above – After the policy has been in force three months, the policy will pay 100% of the cost of one dental cleaning up to a Maximum Benefit of $50 each Policy Year. This benefit is not subject to the deductible; however, it is included in the $1,000 or $1,500 Policy Year Maximum.

17. Waiting Periods • Benefits will not be payable for the following during the first three months following the Policy Date. • Dental Cleanings • Benefits will not be payable for the following items and/or services during the first six months following the Policy Date. • Root Canals; or • Existing eyeglasses or contact lenses (including the renewal or changing of prescriptions). • Benefits will not be payable for the following items and/or services during the first Policy Year: • Bridges, Crowns, Full Dentures or Partials, any work relating to replacement of natural teeth which were missing at the time coverage becomes effective, “full mouth” extractions or fluoride treatments; • Hearing aids; or • Outpatient dental surgery.

18. What is Covered Day One? Who is Eligible for Coverage? • X-rays • Examinations • Fillings • Extractions • Coverage is available for anyone 18-84 • Coverage not available for under 18 • Perfect for college students • Eligible for the household discount even if they are away at school!

19. Premium Schedule Monthly - Automatic Bank Withdrawal With Household Discount Issue Age $1,000 Max $1,500 Max $1,000 Max $1,500 Max 18-39 $23.00 $31.05 $20.70 $27.95 40-59 $26.00 $35.10 $23.40 $31.59 60-74 $29.00 $39.15 $26.10 $35.24 75-79 $30.00 $40.50 $27.00 $36.45 80-84 $32.00 $43.20 $28.80 $38.88 *Special considerations in OH & FL – no household discount; and SD – family discount only. The above rates are control rates and include the following states: AK, AL, AR, DC, GA, HI, ID, IL, KS, LA, MO, MS, ND, NE, NM, OK, PA, RI, SC, TX, WI, WV, WY. Use Rate Guide RGA18 or RGA18-3 in these states. Other states have different loss ratios and different rates. See specific rate guides on MIC.gomedico.com.

20. DVH Claims Process • We’ll take any claim form • We’ll take an itemized bill • We’ll pay either the provider or the insured. • Turnaround time is 7-10 days, many times sooner, depending on volume.

21. Additional Information • Guaranteed Renewable • Individually Issued -Medico will list bill for 3 or more • Premium Modes – • Automatic Bank Withdrawal – Monthly & Quarterly • Direct Bill – Annual, Semi-Annual and Quarterly • We do not accept credit cards or debit cards at this time • Initial Premium – The initial premium can be drafted from the insured’s checking account. Note: The premium will be drafted the same day that the policy is issued. Please leave form MI9F-4400 with the applicant and recommend that they deduct the initial premium from their account register at application time to avoid unnecessary bank fees later. • Reasonable & Customary Charge – “The normal and prevailing charge, fee or expense for the service rendered or for the material furnished in the geographic area where rendered or furnished.” The policy pays a percent (60%, 70% or 80%, depending on how long the policy has been in force) of the actual charges, not to exceed Reasonable and Customary Charges for Covered Expenses up to the Policy Year Maximum Benefit.

22. Sell This Product Online • Selling the DVH online is a fast, simple way to increase your sales, and getting started couldn’t be easier!

23. First, login to MIC using your user name and password. • If you do not have a user name and password, contact agent services at 1.800.547.2401

24. Highlight the “Product Info” tab and click on “Products” • Find the state you would like to work in, and click “On-line Appl.”

25. This box will pop-up, prompting you to enter your 5 digit writing number. Once you enter the number and click “GO”, MIC will automatically generate your unique DVH application link.

26. Your 5 digit writing number • Your Unique Writing Link Your Name • From here you (or the applicant) can click on any state you’re licensed in to begin an application, or view the brochure for the product.

27. Ok, I Have My Link. Now What? • Send the link to your current clients • This is an easy way to make a quick sale and build a long-term business relationship • Post the link on your website • If you direct prospective clients to your website, why not make the application process simple for them? • E-mail the link to prospective clients • Get your foot in the door! E-mail the link to the prospective client and let them look over the application and brochure. • If they apply, we’ll send you a confirmation e-mail to let you know. • Save it to your desktop or add it to your favorites • If you do most of your business face-to-face, the application is just a click away. No more paper!

28. 2011 Sales MarathonEarn $7,500 cash bonus or more! • How can you earn extra cash this year? • Have issued & in-force $125,000 in premium during 2011 • Any premium amount issued & in-force over $125,000 will generate an additional 4% reward, without limit. • 80% of business must be underwritten (DVH and Cancer will be considered underwritten.) * Remember, this is in addition to the already great commissions that you are earning!

29. Thank you for taking the time to learn more aboutMedico Insurance Companyand our products.For more information contact Kerri at1-800-544-8250 ext. 120