Through national tele-sales units, this division uses traditional direct response distribution channels: direct mail, outbound telemarketing, internet, direct response television, direct response radio, cross-sell/upsell and alternate media.

Our partners in these efforts utilize a sophisticated system of telephone and webconferencing with customers to present, explain and complete enrollment materials online. This increases the efficiency of the sale and the customer's understanding of the product.

We work with the following types of partners:

• TeleService Centers
• Insurance Agencies with Call Centers
• Large Companies/Brands Looking for Additional Ways to Monetize Their Customer Base

Our portfolio of products serves the needs of millions of clients:

Uninsured - We provide affordable coverage options to help individuals and families manage and budget their medical expenses.

Underinsured - We provide plans that offer additional services to supplement current plans.

Uninsurable - We provide access to health care services at discounted rates.

Insureds with High Deductible Plans - We provide excellent supplements to fill coverage gaps.

Our products* range from prescription drug and dental discount cards to medical discount network access programs, with a variety of consumer and health-related discounts and services.

In addition, some of our programs include automatic insured features, such as $2,500 Accident Medical coverage, $5,000 Accidental Death & Dismemberment benefit, $2,500 Critical Illness coverage, and $500 or $1,000/month Disability Income benefit.

We also have developed a series of Limited Benefit Plans that provide limited daily hospital indemnity benefit, surgical, doctor visit and emergency room benefits. Licensed insurance agents are allowed to sell these products, in addition to:

• Major Medical Plans
• High Deductible Catastrophic Health Insurance Plans

* All products are not available in all states. These discount products are NOT INSURANCE.

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