Assurity

Our company combined the strength of three longtime Lincoln, Nebraska-based insurers - Assurity Life, Security Financial Life and Lincoln Direct Life - which joined as a single operating company in 2007 under the Assurity name. Each of our original companies began serving customers in Eastern Nebraska communities in the late 1800s before establishing their permanent headquarters in Lincoln.

Assurity Life today is a diversified financial services organization, licensed in 49 states and the District of Columbia. We value and maintain the principles on which our original companies were founded - our mutual company heritage with its basic premise of working for the best interests of our policyholders and an unrelenting commitment to financial strength and stability.

In 2009, Assurity's capital grew 14.2 percent - without government support. Our excellent capital position puts us among the best capitalized and strongest carriers in the life and health insurance industry. More information about our financial strength follows:

• In October 2009, A.M. Best Company, the insurance industry's leading independent analyst, affirmed Assurity's A- (Excellent) rating with a stable outlook.
• Assurity has a strong risk-adjusted capital position. At year-end 2009, our risk-based capital (RBC) ratio was 584.2 percent, which compares very favorably to the industry's 2008 average RBC ratio of 381 percent.
• Our company has no direct exposure to structured investment products. We have none of the volatile products or alphabet soup-variety debt that have caused many companies to experience significant losses.
• Our commercial mortgage portfolio is broadly diversified by property type and geographical location. We have stress-tested our portfolio and determined it will hold up very well, even in a difficult economic period.
• We have also stress-tested our bond portfolio, which consists primarily of high-quality holdings. Overall, our non-investment-grade bonds, unaffiliated common stocks and troubled real estate are materially below industry averages. Any losses can be easily absorbed by our strong capital position.

POLICY INFORMATION

AssurityBalance® Critical Illness Insurance

AssurityBalance® Critical Illness pays a lump-sum benefit (that may be tax-free) upon the first confirmed diagnosis of a covered illness or medical procedure. Most importantly, the cash benefit is paid directly to your client - to use any way they choose!

Assurity offers both simplified and fully underwritten options.

Simplified Critical Illness

AssurityBalance Simplified Critical Illness pays a lump-sum benefit at the first-ever diagnosis of 12 covered illnesses or procedures. Guaranteed renewable to age 75, this protection is available for individuals 18 through 59 years of age. Our Simplified Critical Illness also features the Return of Premium Death Benefit. This product also offers a short application with a handful of health questions - no medical exams are required.

Critical Illness (Fully Underwritten)

Our fully underwritten Critical Illness Insurance pays the insured at the first-ever diagnosis of 21 covered illnesses or procedures. Guaranteed renewable for life, this protection is available for individuals 18 through 64 years of age. An outstanding feature, the Return of Premium Death Benefit returns 100 percent of paid premiums (less any benefits received) to the beneficiary if the insured dies of any cause other than a covered illness.