Life Insurance Products and Services

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Life Insurance Products and Services
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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.
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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
  Weeks 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
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Broad Product Offerings - Life
Employee and Dependent Voluntary ADD
DependentTerm Life
Life Product Portfolio
Employee ADD
Voluntary Life
Employee Basic and Optional Term Life
(Portability) not currently available in all
states
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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 employees 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

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Innovative Supplemental Programs

• Travel Assistance through Worldwide Assistance
  Services
• Included with Large Group Life/ADD 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

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Flexible Plan Designs

• Earnings schedules
• Benefits based on the associates wages
• Level amounts
• Gives all associates the same benefit amount
• Employment classification schedules
• Benefits based on the associates job
  classification
• Length-of-service schedules
• Relates the amount of insurance to an associates
  years of service with the company

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Competitive Benefit Features

• Accelerated Death Benefit feature at no charge
• Accidental Death and Dismemberment(ADD)
  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

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Multiple Funding Options

• Pooled
• Refund eligible, with or without premium
  stabilization reserve
• Minimum premium
• Retrospective premium

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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

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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
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• 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.