Market Sales

							     If You Are in the Medicare Advantage (MA) Market and Need a
                     Company Staying in this Market,
                           There are NOW...
     11 Great Reasons to Do Business with Senior
        Market Sales and Universal American!
Universal American (UAM) is committed to providing affordable Medicare Advantage
(MA) plans, its Today’s Options® Private Fee-for-Service (PFFS) plan, and Medicare
Prescription Drug Plans (PDP)—Community CCRxSM and PrescribaRxSM —to today’s
senior market.

Previously we published our top 10 reasons to do business with UAM ... but the list just
keeps growing.

We now have 11 great reasons why you should do business with
    and Universal American:

11. Universal American is cited by Money and Markets Newsletter as one of the six
major health insurers and HMOs with the least frequent consumer complaints.

10 . Universal American will continue to provide Private-Fee-for-Service (PFFS) to the
senior market in 2010. Unlike many of our competitors, we will not withdraw our PFFS
product from any counties in 2010.

If you have PFFS members or other MA members being notified this October that their
coverage is being terminated as of December 31 by another insurer, Universal American
will provide you with co-op letters that can be mailed to these clients. You will be able to
enroll clients in one of our plans over the phone — no paperwork required.

9.    UAM has developed additional PPOs for 2010. For 2011 we’re developing even
     more to support valued agents like you. In fact, UAM has filed and expects approval
     of PPOs in over 40 markets around the country in 2010.

8.   UAM pays commission advances to its agents on a daily basis.

7. Every year, UAM holds a Sales & Educational Conference for its top sales
managers and agents. These meetings are informative, motivational and rewarding
events for career-minded insurance professionals.

6.   With UAM, you can contract and get certified to sell our plans — online!

5. Through UAM’s all-in-one resource center -- AgentLink -- you can monitor your
business and download and print sales materials from anywhere you can access the
internet.
4. Even with federal government reimbursement cutbacks to insurers in 2010, UAM
has filed plans with ZERO dollar premiums in 625 counties (which are subject to CMS
approval). In other counties, we maintained the best benefits possible for the
beneficiaries’ premium dollars, because we understand that seniors want and need
maximum benefits for their premium.

 3.    The UAM family of companies offers two NEW products, which are taking off and
bringing our agents commissions: First Diagnosis Cancer and our Hospital Indemnity
Policy (with very low rates and competitive commissions). Like all our products, these
new products offer our agents daily commission advances!

 2.   With us and UAM, you’ve got the outstanding products and support of one of the
leading healthcare companies in the nation — and a Fortune 500 company*

1. At UAM and                      agents are valued members of our Healthy
Collaboration.

Call us at                Let us make it easy for you to find a new home for your
MA members that are not being renewed. And, yes, a new home with us and
Universal American, a full service senior market company.

* Fortune Magazine, May 2009.