1. Healthy Choices Benefit Plans and National Guardian Life Insurance Company partnering together to bring Brokers and Employers quality programs to their workforce • National Guardian Life Company, A- rating with AM Best, Began 1910, 2.1 Billion in Assets • Local Administration - Healthy Choice Plan Administrators

2. EMPLOYEE BENEFIT PROGRAMS

3. Dental Plan Highlights • Employers with 2+ employees • Groups with 10 or more enrolled can select from triple dental option • Groups over 100 employees may offer dual PPO Networks, Dentemax, Maverest and PPO USA/ Connection • Annual Maximums - $750, $1000, $1500 or $2000

4. VISION PROGRAMS Routine eye exams provide early detection of disease such as Diabetes, Hypertension and Glaucoma Early detection means reduced medical costs and less time off from work PROVIDER NETWORK SERVICES • Extensive national provider networks including independent practitioners and retail chains such as Wal-Mart, Sam’s Club, Costco, JCPenney, Sears, Pearle Vision, Target Optical, Eyemasters, Ossip Optometry and more • Freedom of choice - Members may select any eye doctor or receive discounts from our extensive national network of participating providers • Use benefits online to order contact lenses

5. Vision Plan Highlights • Employers with 2+ employees • Exam copayment • Exams once every 12 or 24 months • Frames once every 12 or 24 months • Lenses or Contact Lenses once every 12 or 24 months • National PPO Network – Private Practitioners and Retail Chains, (including Wal-Mart, Sam’s, JC Penney, Costco, Sears, Pearle Vision and Target, but not limited to)

6. Life Insurance, Voluntary Life and Short and Long Term Disability • Life insurance provides the security of knowing our families will be financially protected when we are not there, yet many of us remain uninsured. According to LIMRA International, over 68 million Americans have no life insurance. • A disabling injury occurs every two seconds, resulting in an employee’s inability to earn a living. Bills and everyday needs do not stop when a disability occurs and savings can be quickly depleted. Unfortunately, one fourth of U.S. households have net assets under $10,000 and two-thirds live from paycheck to paycheck.

7. Employers with 2 employees or more • Group Life, Voluntary Life, Dependent Life and Disability Plans • Standard Group Plans • Voluntary and Dependent Life Programs • Short Term Disability Plans • Long Term Disability Plans • EAP Program included with Life or Disability Plans for 10 employees or more