Voluntary Benefits For your employeesAt no cost to your

business

We’ve got you under our wing.

Aflac plans pay cash benefits directly to you are voluntary and enhance your employee benefits belong to you… are portable at same payroll rate provide tax savings realized with pre-tax elections premiums do not increase year to year are guaranteed-renewable

Aflac processes claims quickly- usually within 3 days

Aflac is different from health insurance; it’s insurance for daily living

We’ve got you under our wing.

The Reality of Cancer

Since 1990, over 18 million new cancer cases have been diagnosed

In the U.S., men have a 1 in 2 lifetime risk of developing cancer; women have a 1 in 3 risk

Over 90% of all cancers are the result of nonhereditary risk factors

People are living longer. The five-year survival rate for cancer continues to improve; the survival rate is 66%

23% of deaths in the U.S. are caused by cancer

We’ve got you under our wing.

We’ve got you under our wing.

2009 Estimated US Cancer Cases*

*Excludes basal and squamous cell skin cancers and in situ carcinomas except urinary bladder.Source: American Cancer Society, 2009.

Men766,130

Women713,220

27% Breast

14% Lung & bronchus

10% Colon & rectum

6% Uterine corpus

4% Non-Hodgkinlymphoma

4% Melanoma of skin

4% Thyroid

3% Kidney & renal pelvis

3% Ovary

3% Pancreas

22% All Other Sites

Prostate 25%

Lung & bronchus 15%

Colon & rectum 10%

Urinary bladder 7%

Melanoma of skin 5%

Non-Hodgkin 5% lymphoma

Kidney & renal pelvis 5%

Leukemia 3%

Oral cavity 3%

Pancreas 3%

All Other Sites 19%

We’ve got you under our wing.

Direct vs. Indirect Expenses

Indirect Costs

YOU pay these out-of-pocket:

DeductiblesCo-PaymentsLeft Over Medical BillsLoss of IncomeOut-of-Town TreatmentAt-Home Expenses

Major Medicalusually pays these:

HospitalDoctorDrugsMedicineAnesthesiaRadiologist34%

66%

Direct Costs

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$5,000 First Occurrence Benefit Internal Cancer

Builds up by $500 every year

Hospital Confinement Benefit

$300/day 1-30; $600 starting the 31st day

$150 Nursing Services Benefit

$300/day Radiation and/or Chemotherapy

$150 Anti-Nausea Benefit

$300/day Experimental Treatment

$500 Immunotherapy Benefit

$300 Second Surgical Opinion

$100-$5,000 Surgical Benefit

$3,000 Prosthesis Benefit

$350-$3,000 Reconstructive Surgery Benefit

We’ve got you under our wing.

Continued…

$500 Consultation with a National Cancer Institute

Transportation

Lodging Benefit

$200 Medical Imaging

$100-$600 Skin Cancer Surgery Benefit

$10,000 Bone Marrow Transplant Benefit

$1,000 Donor

$5,000 Stem Cell Transplant

Extended Care, Hospice and Home Healthcare

$75 Cancer Screening Wellness Benefit

We’ve got you under our wing.

Specified Diseases Included: 1. Adrenal hypofunction 2. Amyotrophic lateral sclerosis 3. Botulism 4. Bubonic plague 5. Cerebral palsy 6. Cholera 7. Cystic fibrosis 8. Diphtheria 9. Encephalitis 10. Huntington’s chorea11. Legionnaires’ disease12. Malaria13. Meningitis (bacterial)14. Multiple sclerosis15. Muscular dystrophy16. Myasthenia gravis

17. Necrotizing fasciitis18. Osteomyelitis19. Polio20. Rabies21. Reye’s syndrome22. Scarlet fever23. Scleroderma24. Sickle cell anemia25. Systemic lupus26. Tetanus27. Toxic shock syndrome28. Tuberculosis29. Tularemia30. Typhoid fever31. Variant Creutzfeldt-Jakob 32. Yellow fever

Family Coverage:

Family coverage includes the insured; spouse;and dependent, unmarried children to age 25

We’ve got you under our wing.

Policy contains a 30-day waiting period

Applicant diagnosed or treated for internal cancer within the last five years for residents of all states (two years for breast cancer for FL residents only)

Skin cancer exclusion rider if skin cancer diagnosed within the last five years

Applicant receiving hormonal therapy within the last 12 months

Any covered person who has had a previous diagnosis of cancer will not be eligible for a First-Occurrence Benefit under this policy for a recurrence, extension, or metastatic spread of that same cancer

Limitations and Exclusions:

We’ve got you under our wing.

Individual $8.65

Employee and Spouse $14.86

Employee and Child(ren) $10.66

Employee and Family $14.86

Weekly Rates:

We’ve got you under our wing.

Brenda Garrett 941-661-7642

E-mail: brenda_garrett@us.aflac.com

We’ve got you under our wing.

Refer to the policy for complete details, limitations, and exclusions