This document introduces the Medical Bridge OpportunitySM, a solution that helps employers and employees manage rising health care costs. It offers benefits counseling and enrollment at no direct cost to employers. The solution involves redesigning health plans with higher deductibles and coinsurance while offering employees supplemental insurance through Colonial Life's Group Medical Bridge 1.0 plan. This bridges the gap in out-of-pocket costs and provides benefits for hospitalization, outpatient surgery, and wellness visits. It is appealing as it offers guaranteed issue underwriting with no health questions and flexible rating options.

1. Finally, A solution to
Help Employers &
Employees
with health care costs
The Medical Bridge Opportunity
SM

2. Are you
ready to… Provide 1-to-1
benefits counseling
and enrollment at
Compete for no direct cost?
employee top
talent with a
strong benefits Control health care
program? costs and expand
coverage for your
employees?

3. Innovative solutions are necessary
Offering a competitive
benefits package remains
Average cost of group critical to attracting and
health coverage retaining key talent
expected to rise 8.8%
from 2010 to 2011*
Managing health plan costs
is a top business priority
1
Source: Hewitt Associates: “U.S. Health Care Cost Rate Increases Reach Highest
Levels in Five Years, According to New Data”

4. Employers respond to rising costs
Absorb rate Shift more Re-design plan
increase at contributions to and introduce
renewal employees HDHP solutions
Shift more
contribution to
Employee Increase in
Direct impact to Direct impact to
employee’s
employer’s employee’s
exposure to
bottom line pocket book
health care costs

5. Employers respond to rising costs
Current Health Plan Employer faces higher plan
costs at renewal with current
Employee plan design
out-of-
pocket •Higher annual deductible
costs
•Higher co-insurance amounts
Employees face more costs
• 2X increase in employees covered
by plan with a $1,000+ deductible1
Expenses covered by • 60% of Americans do not have
health plan funds to cover unexpected costs2
1
Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006-2010.
2
National consumer study, Financial Industry Regulatory Authority Investor Education
Foundation in consultation with the U.S. Department of Treasury and President’s Advisory
Council on Financial Literacy, 2009.

6. The Medical Bridge opportunity SM
A solution for employers and
their employees
• Employer saves money by
Out-of- redesigning the health plan
pocket
costs • Employees receive benefits to
Medical help pay out-of-pocket costs
Bridge from a hospital confinement or
solution other covered health care event
• Pays lump-sum benefits
Expenses covered byby directly to employees
Expenses covered
health insurance
health insurance • Benefits for outpatient surgery,
diagnostic tests, and wellness
visits may also be available1
1
Plan design and benefits vary by state. See state specific plan information for availability
in each state.

7. The Medical Bridge opportunity SM
Current Plan Proposed Health Plan
Annual Deductible $500 $1,500
Add Colonial
Coinsurance 80/20 70/30 Life’s Hospital
Confinement
Indemnity Plan
EE Cost $177 $154
ER Cost $532 $461 MB3000
GMB 1.0
Total Cost $708 $615
% Increase +17% (13%)
• Premiums have decreased; however, employees are
now faced with more out-of-pocket exposure.
• Solution…

8. The Medical Bridge opportunity SM
Proposed Health Plan
Annual Deductible $1,500
Co-insurance 70/30
Total Health Cost $615 (ER Savings is $532 - $461 = $72/EE/Month)
Plus GMB 1.0 Plan 2 with Health Screening*
Hospital Confinement $1,000
Outpatient Surgery Option 1 ($500 Tier 1, $1,000 Tier 2, $1,500 CY Max)
Health Screening = $50
GMB 1.0 Premium EE Discounted Composite Rate = $17.47/month
Employer can use savings to purchase GMB1.0 100%
for the employees.** $72.00 X 100 Employees = $7,200 savings per
month $17.47 X 100 Employees = $1,747/month
*Plan options and benefits vary by state, and product may not be available in all
states. Ask your Colonial Life contact for the plan options available in your state.
**Employers who pay 100% of the premium for any Colonial Life product may not
be eligible for certain complimentary employer services offered by Colonial Life.

9. A solution that works
for you and your employees
The Rift
Out-of-
Employees face more out-of-pocket costs
pocket
costs
Medical
The Bridge
Bridge Medical Bridge helps provide a
solution soft landing for employees
Expenses covered byby
Expenses covered The Shift
health plan
health insurance Employers are changing health
plans to manage benefit costs

10. Group Medical Bridge 1.0 Highlights SM
Group • Situs state
contract • Optionally renewable
• No portability option
• Minimum account size 10 enrolled + participation
• Defined enrollment period required
Flexible plan • HSA-compliant option (in most states)
designs • Higher benefit amounts and flexibility
• Employer optional benefits
Underwriting • Guaranteed issue (GI)
options • Guaranteed issue with pre-existing conditions
waived (GX2)
Premium • Age-banded
options • Composite
• Discounted composite
Benefits vary by state, and product may not be available in all states.

11. Group Medical Bridge 1.0 SM
Why it’s appealing
Competitive underwriting
• No health questions*
• Pre-ex waived for all covered insureds*
• Available in accounts with 10+ employees
Flexible rating options
• Rates for voluntary and employer-paid business
• Composite and discounted composite rates available**
*Participation requirements must be met for GI and GX2
**Employer contribution required

12. Group Medical Bridge 1.0 SM
Why it’s appealing
Not affected by health care reform
• Offered in addition to qualified health insurance.
• “Excepted benefits” under HIPAA and not subject to
market reform provisions.
Minimal federal law implications to an employer
• Colonial Life believes this plan is not subject to COBRA.1, 2
• May qualify as an ERISA plan. Colonial Life can provide
assistance to employers in complying with certain ERISA
requirements. 1
1
Employers should consult their attorney concerning the applicability of COBRA and ERISA.
2
The obligation to provide continuation of coverage under COBRA is imposed by Federal Law
on the employer.