Affinity Group Underwriters (AGU) has been developing and managing limited medical insurance programs since 1999. Over twenty years of underwriting and marketing association group major medical plans has provided us with extensive, relevant experience and a unique perspective on the rapidly-emerging market for lower-cost alternatives to traditional health insurance. As a managing underwriter, AGU is an extension of our insurance company partners. Our products are distributed through independent agents and brokers nationwide.

Our affiliated administrative operation, Towers Affinity Benefit Services (TABS), is a division of Towers Administrators, Inc. TABS was organized in 2002 as a strategic alliance venture between Affinity Group Underwriters, Glen Allen, VA, and Towers Administrators, New York, NY. It was developed to share resources and provide better administrative and customer service to clients of both companies.

TABS is licensed nationwide as a third-party administrator. Through it, we provide premium administration and customer service but we do not pay claims.

AGU was founded in 1997 by former executives of major group insurance carriers. Towers has been in the association administration business since 1966. The principals and staff of both companies have extensive and diverse experience in the insurance business in general and the affinity group business in particular.

For more information, go to: www.agu.net

ACE American Insurance Company, part of the ACE Group of Companies, underwrites the majority of the insured benefits for the AGU limited medical plan. ACE enjoys excellent ratings from the major insurance company rating services:

• A.M Best A+
• Standard & Poor’s A+
• Moody’s A2
• Fitch A+

These ratings are an indication of the company’s financial strength and ability to meet its obligations to customers.

As a global insurance leader, with over $72 billion in total assets, ACE leverages its unique strengths and broad expertise to deliver specialty insurance coverages to a diverse base of clients worldwide. ACE’s capital now totals nearly $18 billion with net loss reserves of an additional $22 billion providing the necessary financial strength to ensure its clients that the necessary resources will be there when it comes time to make a claim.

ACE Limited is the Bermuda-based holding company of the ACE Group of Companies, one of the world's leading providers of insurance and reinsurance. The ACE Group provides a diversified range of products and services to clients with operations in more than 50 countries and customers in over 140 countries around the world..

ACE USA Accident & Health is a marketing division of ACE USA, headquartered in Philadelphia, PA.

ACE American Insurance Company, the primary ACE underwriting company for accident and health insurance in the U.S., is part of The ACE Group of Companies, headed by ACE Limited (NYSE: ACE). For more information about ACE, go to the corporate website at www.acelimited.com. The most recent ACE quarterly or annual report can be obtained from this website.

For more information on ACE USA Accident & Health products and services, go to:

www.aceaccidentandhealth.com.

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