GROUP LIMITED MEDICAL PLANS

AFFORDABLE HEALTHCARE PLAN

SILVER SUPREME LIMITED MEDICAL PLAN

ACCIDENT MEDICAL EXPENSE BENEFITS- THIS POLICY PAYS FOR COVERED CHARGES INCURRED BY A COVERED PERSON DUE TO INJURY. THIS POLICY PAYS YOU UP TO $5000 PER ACCIDENT WITH $100 DEDUCTIBLE. A MUST HAVE FOR CHILDREN, THE BIG OVERPRICED INSURANCE COMPANIES DON'T HAVE THIS MUCH NEED BENEFIT FOR THE KIDS. YOU DON'T WANT TO PAY YOUR DEDUCTIBLE AND CO-PAYS EVERY TIME THERE IS AN ACCIDENT.

CRITICAL ILLNESS+ CANCER+ LIFE INSURANCE POLICY- THIS CI+ CANCER+LIFE PLAN PAYS A LUMP-SUM BENEFIT AT THE FIRST EVER DIAGNOSIS OF 18 COVERED ILLNESSES OR PROCEDURES. GUARANTEED RENEWABLE TO AGE 75, THIS PROTECTION AVAILABLE TO INDIVIDUALS 18 THROUGH 60 YEARS OF AGE. THIS POLICY PAYS YOU$40,000 IF DIAGNOSED WITH CRITICAL ILLNESS, HEART ATTACK, STROKE, INVASIVE CANCER PLUS OTHERS. 100% DEATH BENEFIT IS PAYABLE IF NO OTHER BENEFIT LISTED HAS BEEN PAID.

ADULT HOSPITAL CONFINEMENT INSURANCE POLICY- THIS PLAN PAYS YOU A DAILY BENEFIT REGARDLESS OF EXISTING MEDICAL COVERAGE. ANY APPROVED MEDICAL DOCTOR OR HOSPITAL MAYBE USED. THIS POLICY PAYS YOU $999 PER DAY FOR EVERY DAY YOU ARE IN HOSPITAL FOR UP TO 15 DAYS.

ACCIDENTAL DEATH AND DISMEMBERMENT POLICY- $10,000 policy

FREE $500 SUPER ANNUAL LAB PHYSICALS- THE LAB WILL RUN 50 DIFFERENT BLOOD TESTS FROM ONE SAMPLE AND THIS TEST CAN SAVE YOUR LIFE BY DETECTING DAMAGE TO THE BODY EARLIER.$1K HUSBAND AND WIFE FAMILY ANNUAL BENEFIT. 90 day waiting period from effective date.

DISCOUNTED AND FREE BENEFITS- SEE FLYER OR DISCOUNTED AND FREE BENEFITS BENEFITS WEBSITE PAGE

AVAILABLE IN ALL 50 STATES EXCEPT: CA,CT,DE,KS,ME,MD,MN,MT,NH,NJ,NY,RI,VA,VT,AND WA.

MONTHLY RATES

SINGLE 18-29 $177, 30-39 $199, 40-44 $224, 45-49 $249, 50-54 $299, 55-60 $428

COUPLE 18-29 $299, 30-39 $348, 40-44 $418, 45-49 $489, 50-54 $589, 55-60 $889

FAMILY 18-29 $349, 30-39 $398, 40-44 $468, 45-49 $539, 50-54 $639, 55-60 $929

If you Smoke please add per person that smokes: up to age 44 $30, up to age 49 $50, up to age 54 $70 and up to age 60 $100

Discounted and FREE benefits and FREE lab physical are not insurance benefits.

Not all plans are available in all states. The plans have exclusions, limitations and terms under which the plan maybe continued in force.

Sickness and Accident, Hospital & Medical Insurance

This Policy provides Limited benefits

Benefits are paid directly to you* Use any doctor, hospital or licensed provider

No deductible or co-pays Preexisting conditions incurred within the 12 month period

preceding the effective date are covered after 12 months**

Pays benefits in addition to any other insurance

Your rates cannot increase due to your advanced age or

Issue ages 18-64 declining health***

Dependent child coverage available to age Guaranteed renewable to age 65

19 or 25 if a full time student****

* The benefits may be paid directly to the hospital or other healthcare facility if an assignment of benefits is made by the policyholder.

** Pre-existing conditions are those medical conditions disclosed or not disclosed on the application which were diagnosed or for which medical advice or treatment was recommended or received from a doctor within a 12- month period immediately preceding the effective date of your coverage. Any loss due to a pre-existing condition is not covered unless the loss begins more than 12 months* after the effective date of coverage. *The pre-existing condition waiting period is 6 months in idaho, North Dakota and Oregon.

Wyoming applicants only- your pre-existing conditions limitation reads:

The policy will not cover loss resulting from pre-existing conditions during the 1st year that your policy is in force. A "pre-existing condition" is any sickness or injury diagnosed for which you received medical advice and or treatment was received from or recommended by a physician within the 90 day period immediately before the effective date of your coverage, or the effective date of an increase in coverage, whichever is applicable.

*** The insurer has the right to increase premium rates of all like policies in your state. AHP members monthly rate will not go up for 10 years!

**** Instead of age 19 the following states have higher limits: Indiana age 24, New mexico age 25, North dakota age 22 and Utah age 26.

***** Hospital confinement must be medically necessary because of injury or sickness. Our definition of hospital excludes (a) a convalescent home, convalescent, rest or nursing facility; or, (b) a facility or portion thereof used primarily for the care of the aged, the terminally ill,drug or alcoholic rehabilitation, or primary affording custodial, long-term nursing, convalescent or educational care.

Please Note this policy contains a 10- day right to examine coverage:

You may cancel coverage under this policy or certificate within 10 days of receiving it by returning the policy or certificate to Us. If it is returned for cancellation, we will refund any premium paid for your coverage. The policy or certificate will then be void as of the effective date and there will be no coverage. The states of New hampshire and Oklahoma have a 30 day right to examine coverage.