Hospital Confinement Sickness Indemnity Limited Benefit Policy Surgical Benefit

HOSPITAL CONFINEMENT SICKNESS INDEMNITY LIMITED BENEFIT POLICY SURGICAL BENEFIT

AFLAC will pay benefits according to the Schedule of Operations when a covered person has a surgical operation performed for a covered sickness in a hospital or ambulatory surgical center. Only one benefit is payable per 24-hour period for surgery even though more than one surgical procedure may be performed. We will pay the highest eligible benefit. Benefits are not payable for cosmetic or elective surgery that is not due to sickness. Surgical Benefits are not payable for surgery performed in a doctor's or dentist's office, clinic, or other such location. Surgery performed but not listed in the Schedule of Operations will be paid according to the amount shown for the surgery most similar in severity and gravity. No lifetime maximum.

SCHEDULE OF OPERATIONS

BONE DIGESTIVE (cont.) Bone marrow biopsy Gastroscopy ...... 100 or aspiration ...... $100 Sigmoidoscopy ...... 100 Arthroscopy...... 150 Appendectomy...... 200 Removal of knee cartilage...... 150 Colostomy...... 300 Total knee replacement...... 500 ERCP ...... 300 Total hip replacement...... 750 Vagotomy...... 300 Partial colectomy ...... 400 BRAIN Colectomy...... 600 Burr holes not followed Colectomy with ileostomy ...... 600 by surgery ...... 300 Cholecystectomy...... 625 Ventriculoperitoneal shunt...... 500 Esophagectomy...... 750 Exploratory craniotomy...... 700 Gastrectomy Excision brain tumor...... 1,000 Partial...... 750 Hemispherectomy...... 2,000 Total...... 1,200

BREAST EAR/NOSE Incisional biopsy ...... 100 Myringoscopy ...... 100 Needle biopsy...... 100 Tympanotomy...... 100 Breast reduction...... 300 Adenoidectomy...... 150 Lumpectomy ...... 300 Myringoplasty ...... 150 Stereotactic biopsy ...... 300 Mastoidectomy Axillary node dissection...... 475 Simple...... 150 Partial mastectomy ...... 475 Radical...... 300 Breast reconstruction ...... 625 Tonsillectomy with or without Mastectomy adenoids...... 300 Simple ...... 625 Radical...... 925 EYE Cataract ...... 200 DIGESTIVE Enucleation...... 500 Colonoscopy ...... 100 Corneal transplant...... 750 Esophagoscopy...... 100 Exploratory laparotomy ...... 100 Form A-45075-SS RC(8/04) GYNECOLOGIC MISCELLANEOUS Dilation & curettage (D&C)...... 150 Foot surgery ...... 150 Vaginal delivery ...... 300 Repair of hernia...... 250 Cesarean delivery...... 400 Carpal tunnel release Hysterectomy (one hand or two)...... 250 Partial...... 400 Cleft lip repair...... 250 Vaginal...... 450 Club foot repair...... 250 Vulvectomy Partial mandibulectomy Partial...... 450 (for TMJ)...... 250 Radical...... 900 Mandibulectomy ...... 400 Abdominal hysterectomy with or Cleft palate repair...... 400 without tubes and ovaries...... 775 Organ transplant...... 2,000

HEART PANCREAS Insertion of pacemaker...... 200 Jejunostomy ...... 750 Angioplasty Pancreatectomy ...... 1,000 One vessel ...... 500 Whipple procedure...... 2,000 Two vessels ...... 750 Coronary artery with graft...... 1,000 SPINE Replacement of aortic Cordotomy ...... 450 or mitral valve...... 1,000 Laminectomy ...... 750

LARYNX THYROID Laryngoscopy with biopsy...... 100 Biopsy ...... 150 Tracheostomy...... 200 Thyroidectomy Laryngectomy ...... 500 One lobe...... 450 Laryngectomy with radical Two lobes...... 800 neck dissection ...... 1,000 URINARY LIVER Biopsy prostate...... 100 Needle biopsy...... 125 Hydrocele...... 100 Wedge biopsy...... 300 Cystoscopy...... 125 Resection of liver ...... 750 Arteriovenous shunt/fistula ...... 200 Cystotomy...... 200 LUNGS Orchiectomy Needle biopsy...... 200 (unilateral, bilateral) ...... 300 Bronchoscopy with biopsy ...... 250 Biopsy of kidney ...... 400 Thoracostomy ...... 300 TUR bladder ...... 475 Thoracotomy...... 400 TUR prostate ...... 475 Pneumonectomy...... 750 Prostatectomy, radical...... 750 Wedge resection of lung...... 1,200 Cystectomy Lobectomy...... 1,500 Partial...... 800 Complete ...... 1,400 LYMPHATIC Nephrectomy ...... 1,500 Biopsy lymph node ...... 150 Splenectomy ...... 300 Lymphadenectomy (bilateral)...... 800 Personal Sickness Indemnity Plan Hospital Confinement Sickness Indemnity Insurance

Plan Benefits • Physician Visits • Initial Hospitalization • Hospital Confinement • Major Diagnostic Exams • Surgical • Plus ... more

American Family Life Assurance Company of Columbus (Aflac)

Form A45075B1TX IC(2/08) Personal Sickness Indemnity Plan Policies A-45100-TX, A-45200-TX, and A-45300-TX

K Policy A-45100-TX (Level 1) Major Diagnostic Exams K Policy A-45200-TX (Level 2) Aflac will pay $150 when a covered person requires one of the K Policy A-45300-TX (Level 3) following exams for a covered sickness: • CT scan Physician Visits Benefit • MRI (magnetic resonance imaging) Aflac will pay the amount for the level chosen when a covered • EEG (electroencephalogram) person incurs a charge for a physician visit. Services must be • Thallium stress test under the supervision of a physician. This is a health • Myelogram maintenance benefit; the sickness of a covered person is not • Angiogram required for this benefit to be payable. No lifetime maximum. • Arteriogram Level 1 Level 2 Level 3 These exams must be performed in a hospital, doctor’s office, A-45100-TX A-45200-TX A-45300-TX or ambulatory surgical center, and a charge must be incurred. Benefit Amount $15 $20 $25 This benefit is limited to one payment per calendar year, per covered person. No lifetime maximum. Number of Visits per Year: Surgical Benefit Individual 344 Aflac will pay $100–$2,000 when a covered person has surgery Family* 688 performed for a covered sickness in a hospital or ambulatory surgical Covered physician visits include, but are not limited to, eye center based upon the Schedule of Operations in the policy.Only one exams, well-baby visits, immunizations, periodic health benefit is payable per 24-hour period for surgery even though more exams, and routine physicals. than one surgical procedure may be performed. Wewill pay the highest eligible benefit. Benefits are not payable for cosmetic or The following benefits are payable for a covered sickness that elective surgery that is not due to sickness. Surgical Benefits are not occurs while coverage is in force. Treatment or confinement in a payable for surgery performed in a doctor’sor dentist’soffice, clinic, U.S. government hospital does not require a charge for benefits to or other such location. Surgery performed but not listed in the be payable. All of the benefits listed below, except for the schedule will be paid according to the amount shown for the surgery Hospital Confinement Benefit, are the same for Levels 1, 2, and 3 most similar in severity and gravity. No lifetime maximum. (Policies A-45100-TX, A-45200-TX, and A-45300-TX).

Hospital Confinement Benefit Ambulance Benefit Aflac will pay the amount per day for the level chosen when a Aflac will pay $100 for ground ambulance and $1,000 for air covered person requires hospital confinement for 14 or more ambulance if, because of a covered sickness, a covered person hours for a covered sickness or for rehabilitory care as a result requires transportation to or from a hospital. A licensed of sickness and incurs a charge. Benefits are not payable for professional ambulance company must provide the ambulance days beyond the 180th day in a period of hospital service. This benefit is limited to two trips per calendar year, confinement.** No lifetime maximum. per covered person. No lifetime maximum. Level 1 Level 2 Level 3 Grace Period A-45100-TX A-45200-TX A-45300-TX A grace period of 31 days will be granted for the payment of Benefit Amount: each premium falling due after the first premium. During the Days 1–15 $ 50 $ 75 $ 100 grace period, the policy will continue in force. Days 16–180 $100 $150 $200 Premiums Initial Hospitalization Benefit Premiums are subject to change. Risk Class ______Aflac will pay $250 per period of hospital confinement** when Annual Semiannual Quarterly Monthly a covered person is confined to a hospital for at least 24 hours Policies: A-45100-TX $______$______$______$______for a covered sickness. This benefit is limited to one payment A-45200-TX $______$______$______$______per calendar year, per covered person. No lifetime maximum. A-45300-TX $______$______$______$______Optional Rider: Additional Initial Hospitalization Benefit A-45050 $______$______$______$______The person to whom the policy is issued is permitted to return the policy to Aflac within 30 days of its delivery and to have the premium paid refunded.

*Family includes two-parent family, one-parent family, and named insured/spouse only. **A period of hospital confinement is the time period of hospital confinement that starts while the policy is in force. If the confinement follows a previously covered confinement, it will be deemed a continuation of the first confinement unless the later confinement is the result of an entirely unrelated sickness or the confinements are separated by 30 days or more. Aflac’s Personal Sickness Indemnity Plan pays cash benefits Limitations and Exclusions directly to you, unless assigned, regardless of any other insurance The sickness benefits of the policy are subject to a 30-day you may have. waiting period. Any sickness medically treated or diagnosed before coverage has been in force 30 days from the effective Continuation of Coverage Benefit date of coverage will not be covered unless the loss begins more Aflac will waive all monthly premiums due for the policy and than six months after the effective date of coverage. Other than riders for up to two months if you meet all of the following the Physician Visits Benefit, we will not pay benefits for losses conditions: (1) Your policy has been in force for at least six incurred as a result of an injury. We will not pay benefits for a months; (2) we have received premiums for at least six covered person’s giving birth if the pregnancy is a normal consecutive months; (3) your premiums have been paid through pregnancy and the pregnancy began prior to the effective date of payroll deduction and you leave your employer for any reason; the policy (complications of pregnancy* will be covered to the (4) you or your employer notifies us in writing within 30 days of same extent as a sickness). Exception: Newborn children born the date your premium payments cease because of your leaving within the first ten months of the policy effective date will be employment; and (5) you re-establish premium payments through subject to a 30-day waiting period. your new employer’s payroll deduction process or direct payment to Aflac. You will again become eligible to receive this benefit The policy does not cover losses caused by or resulting from: after you re-establish your premium payments through payroll • receiving dental care or treatment; • intentionally self- deduction for a period of at least six months and we receive inflicting bodily injury or attempting suicide; • participating premiums for at least six consecutive months. Payroll deduction in any illegal activity that is classified as a felony (the term means your premiums are remitted to Aflac for you by your felony is as defined by the law of the jurisdiction in which the employer through a payroll deduction process. activity takes place); • being exposed to war or any act of war, declared or undeclared, or serving in the armed forces; • having Guaranteed-Renewable treatment for a mental or nervous disorder without The policy is guaranteed-renewable for your lifetime, subject demonstrable organic disease, including depression; to Aflac’s right to change the applicable table of premium alcoholism or drug dependency; sustaining or contracting any rates by class upon any renewal date. loss because of a covered person’s being intoxicated or under the influence of alcohol, drugs, or any narcotic unless administered on the advice of a physician and taken according Effective Date The effective date is the date shown in the Policy Schedule, not to the physician’s instructions (the term intoxicated refers to the date the application is signed. Payroll rates may be retained that condition as defined by the law of the jurisdiction in after one month’s premium payment on payroll deduction. which the injury or cause of the loss occurred); • having cosmetic surgery or elective surgery that is not due to sickness; • obtaining routine nursing or routine well-baby care Family Coverage for a newborn child (other than provided by the Physician Family coverage includes the insured; spouse; and dependent, Visits Benefit); • donating an organ within the first 12 months unmarried children under age 25. Newborns are automatically of the effective date of the policy. covered under the terms of the policy from the moment of birth. One-parent family coverage includes the insured and all Hospital does not include any institution, or part thereof, used as of the insured’s unmarried, dependent children under age 25. an ambulatory surgical center; a hospice unit (including any bed designated as a hospice bed or a swing bed); a convalescent Pre-Existing Conditions home; a rest or nursing facility; a psychiatric unit; an extended- A pre-existing condition is a sickness for which, within the care facility; a skilled nursing facility; or a facility primarily 12-month period before the effective date of coverage, medical affording custodial care, educational care, or care or treatment advice, consultation, or treatment was recommended or for persons suffering from mental disease or disorders, or care received, or for which symptoms existed that would ordinarily for the aged, drug addicts, or alcoholics. cause a prudent person to seek diagnosis, care, or treatment. A physician does not include a member of your immediate family. Care or treatment caused by a pre-existing condition will not An ambulatory surgical center does not include a doctor’s or be covered unless it begins more than six months after the dentist’s office, clinic, or other such location. effective date of coverage. *Complications of pregnancy do not include false labor, A sickness is an illness, disease, or disorder diagnosed or occasional spotting, physician-prescribed rest during treated 30 days or more after the effective date of coverage pregnancy, morning sickness, and similar conditions associated and while coverage is in force. It also includes a pregnancy with the management of a difficult pregnancy not constituting which starts more than 30 days after your effective date of a classifiably distinct complication of pregnancy. Cesarean coverage and while coverage is in force. Illnesses, diseases, or deliveries are not considered complications of pregnancy. disorders that are diagnosed or treated within the 30-day waiting period will not be covered for six months from the effective date of coverage.

Refer to the policy, rider,and outline of coverage for complete details, limitations, and exclusions. This brochure is for illustration purposes only. Aflac is ... • A Fortune 500 company with nearly $60 billion in assets, insuring more than 40 million people worldwide.

• Rated AA in insurer financial strength by Standard & Poor’s (June 2006), Aa2 (Excellent) in insurer financial strength by Moody’s Investors Service (January 2006), A+ (Superior) by A.M. Best (June 2006), and AA in insurer financial strength by Fitch, Inc. (June 2006).*

• Named by Fortune magazine to its list of America’s Most Admired Companies for the seventh consecutive year in March 2007.

• A premier provider of insurance policies with premiums payroll deducted for more than 370,000 payroll accounts nationally.

• Outstanding in claims service, with most claims processed within four days.

• Included by Forbes magazine in its annual list of America’s 400 Best Big Companies for the seventh year in January 2007.

• Named by Fortune magazine to its list of the 100 Best Companies to Work For in America for the ninth consecutive year in January 2007.

*Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices.

1.800.99.AFLAC (1.800.992.3522) En español: 1.800.SI.AFLAC (1.800.742.3522)

Visit our Web site at aflac.com. Your local Aflac insurance agent/producer

American Family Life Assurance Company of Columbus (Aflac) · Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com Optional Additional Initial Hospitalization Benefit Rider Summary Page Rider A-45050

Riders become part of the policy and are subject to all policy Effective Date provisions unless otherwise stated. The effective date of the rider is the effective date of the policy or the effective date of the rider as stated in the Policy ❑ $250 Schedule, if later. ❑ $500 Termination ❑ $750 The rider will terminate if the policy to which it is attached terminates or if the premiums for the rider are not paid. Aflac will pay the Additional Initial Hospitalization Benefit selected above when a covered person is confined to a hospital for at least 24 hours for a covered sickness. We will pay this benefit only once for each covered person per calendar year. We will pay this benefit in conjunction with the Initial Hospitalization Benefit in the policy.

Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions.

American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com

Form A45076BTX RC(2/08) HOSPITAL PROTECTION

HOSPITAL CONFINEMENT INDEMNITY INSURANCE This insert page is to be used with Policy Series A46000, Plans 2 and 3 only. This page must accompany the Hospital Confinement Indemnity brochures, Plans 2 and 3 only.

Surgical Benefit Aflac will pay you according to the benefits in the Schedule of Operations when a surgical operation is performed on a covered person for a covered sickness or injury in a hospital or an ambulatory surgical center. Surgical Benefits are not payable for surgery performed in a doctor’s or dentist’s office, clinic, or other such location.

Only one benefit is payable per 24-hour period for surgery even though more than one surgical procedure may be performed. The highest eligible benefit will be paid. Exams covered under the Invasive Diagnostic Exams Benefit are not payable under this benefit. Surgical Benefits are not payable for losses caused by or resulting from elective surgery that is not medically necessary within the first 12 months of the effective date of the policy unless the loss begins after 12 months from the effective date of the policy.

If any operation for the treatment of the covered sickness or injury is performed other than those listed, Aflac will pay you an amount comparable to the amount shown in the Schedule of Operations for the operation most nearly similar in severity and gravity. No lifetime maximum.

SCHEDULE OF OPERATIONS

BONE DIGESTIVE Bone marrow biopsy Exploratory laparotomy...... $300 or aspiration ...... $100 Appendectomy...... 200 Removal of knee cartilage...... 150 Colostomy...... 200 Total knee replacement...... 500 ERCP ...... 200 Total hip replacement...... 750 Vagotomy ...... 300 Partial colectomy ...... 400 BRAIN Colectomy...... 600 Burr holes not followed Colectomy with ileostomy...... 600 by surgery ...... 300 Cholecystectomy ...... 600 Ventriculoperitoneal shunt ...... 500 Esophagectomy...... 750 Exploratory craniotomy...... 700 Gastrectomy Excision of brain tumor...... 1,000 Partial...... 500 Hemispherectomy...... 1,000 Total...... 1,000

BREAST EAR/NOSE Incisional biopsy...... 100 Tympanotomy...... 100 Needle biopsy...... 100 Adenoidectomy...... 150 Breast reduction...... 300 Myringoplasty...... 150 Lumpectomy ...... 200 Mastoidectomy Stereotactic biopsy ...... 100 Simple...... 150 Axillary node dissection...... 150 Radical...... 300 Partial mastectomy ...... 300 Tonsillectomy with or without Breast reconstruction...... 500 adenoids...... 150 Mastectomy Simple...... 300 Radical...... 600

American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters • Columbus, Georgia 31999 Form A46075SS IC (9/07)

EYE MISCELLANEOUS Cataract...... $200 Foot surgery ...... $150 Enucleation...... 500 Repair of hernia ...... 250 Corneal transplant...... 750 Carpal tunnel release (one hand or two) ...... 100 GYNECOLOGIC Fractures Dilation & curettage (D&C)...... 100 Open reduction ...... 250 Vaginal delivery ...... 200 Mandibulectomy...... 400 Cesarean delivery ...... 200 Organ transplant ...... 1,000 Vaginal hysterectomy Vasectomy ...... 150 Partial ...... 400 Total ...... 750 PANCREAS Abdominal hysterectomy Jejunostomy...... 200 with or without tubes Pancreatectomy...... 500 and ovaries ...... 750 Whipple procedure ...... 1,000 Vulvectomy Partial ...... 200 SKIN Radical...... 300 Biopsy ...... 50 Excision of lesion of skin HEART Without flap or graft...... 100 Insertion of pacemaker ...... 200 With flap or graft...... 300 Angioplasty One vessel...... 500 SPINE Two vessels ...... 750 Discectomy ...... 500 Coronary artery with graft...... 1,000 Fusions...... 750 Replacement of aortic Laminectomy...... 500 or mitral valve...... 1,000 THYROID LARYNX Biopsy...... 150 Tracheostomy ...... 100 Thyroidectomy Laryngectomy ...... 500 One lobe ...... 200 Laryngectomy with radical Two lobes...... 500 neck dissection...... 1,000 URINARY LIVER Biopsy prostate ...... 100 Needle biopsy...... 100 Hydrocele...... 100 Wedge biopsy...... 150 Cystotomy...... 200 Resection of liver...... 750 Orchiectomy (unilateral, bilateral) ...... 200 LUNGS Needle biopsy...... 200 Biopsy of kidney...... 400 Thoracotomy ...... 400 TUR bladder ...... 300 Pneumonectomy ...... 750 TUR prostate...... 300 Wedge resection of lung...... 500 Prostatectomy, radical ...... 750 Lobectomy...... 750 Cystectomy (bladder) Partial...... 500 LYMPHATIC Complete ...... 750 Biopsy lymph node...... 100 Nephrectomy ...... 750 Splenectomy ...... 300 Lymphadenectomy (bilateral) ...... 500

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

Form A46075SS IC (9/07) Optional Initial Hospitalization Benefit Rider Summary Page Rider A46050

Riders become a part of the policy and are subject to all policy Termination provisions unless otherwise stated. The rider will terminate if the policy to which it is attached terminates or if the premiums for the rider are not paid. ❑ $250 Initial Hospitalization Benefit Effective Date ❑ $500 Initial Hospitalization Benefit The effective date of the rider is the effective date of the policy or the effective date of the rider as stated in the Policy ❑ $750 Initial Hospitalization Benefit Schedule, if later. ❑ $1,000 Initial Hospitalization Benefit The rider to which this sales material pertains is written only in English; the rider prevails if interpretation of this material Aflac will pay the Initial Hospitalization Benefit selected varies. above when a covered person requires hospital confinement for a covered sickness or injury, for each period of hospital confinement. This benefit is limited to one payment per calendar year, per covered person.

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

American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com

Form A46076RTX IC(5/08) Plan 1

Hospital Protection Hospital Confinement Indemnity Insurance … what you need, when you need it.

Designed specifically for hospital stays

American Family Life Assurance Company of Columbus (Aflac)

Form A46175TX RC(4/07) Hospital Protection Policy A46100TX

Annual Hospitalization Confinement Benefit Grace Period Aflac will pay the amount listed below for the first five days A grace period of 31 days will be granted for the payment of of hospitalization when a covered person requires hospital each premium falling due after the first premium. During the confinement* for a covered sickness or injury, or for grace period, the policy will continue in force. rehabilitory care as a result of sickness or injury, and a charge is incurred. Premiums Sickness $400 per day Premiums are subject to change. Risk Class: ______Injury $500 per day Annual Semiannual Quarterly Monthly Policy A46100TX: $______$______$______$______Benefits for the Annual Hospitalization Confinement Benefit are limited to a total benefit payment of five days per calendar Optional Rider: Initial Hospitalization Benefit year, per policy. Confinements not separated by 30 days or more, or hospitalization that begins prior to the end of one A46050: $______$______$______$______calendar year and continues into the next calendar year, will The person to whom the policy is issued is permitted to return be considered one confinement. the policy to Aflac within 30 days of its delivery and to have the premium paid refunded.

Daily Hospital Confinement Benefit Aflac will pay $100 per day for the period of hospital Guaranteed-Renewable confinement* when a covered person requires hospital The policy is guaranteed-renewable for your lifetime, confinement for a covered sickness or injury, or for subject to Aflac’s right to change premiums by class upon rehabilitory care as a result of sickness or injury. This benefit any renewal date. is payable in addition to the Annual Hospitalization Confinement Benefit. The maximum benefit period for any Family Coverage one period of hospital confinement is 365 days. No lifetime Family coverage includes the insured; spouse; and dependent, maximum. unmarried children under age 25. Newborn children are *Hospital confinement does not include emergency rooms. automatically insured from the moment of birth. One-parent Treatment or confinement in a U.S. government hospital does family coverage includes the insured and dependent, not require a charge for benefits to be payable. unmarried children under age 25. A dependent child must be under age 25 at the time of application to be eligible for coverage. Waiver of Premium Benefit Aflac will waive from month to month, for the named insured only, any premium(s) falling due during the named insured’s Effective Date continued hospital confinement. This benefit will begin after The effective date is the date shown in the Policy Schedule, the named insured has received Daily Hospital Confinement not the date the application is signed. Payroll rates may be Benefits from the policy for 30 consecutive days. When Daily retained after one month’s premium payment on payroll Hospital Confinement Benefits are no longer being paid, deduction. premium payments must be resumed. Once premium payments are resumed, any new confinements must again satisfy the 30-day continued confinement for premiums to be waived. If you die and your spouse becomes the new named insured, premiums will start again at the appropriate rate and will be due on the first premium due date after the change. The new named insured will then be eligible for this benefit if the need arises. Pre-Existing Conditions If the period of hospital confinement follows a previously A pre-existing condition is an illness, disease, or disorder for covered confinement, it will be deemed a continuation of the which, within the 12-month period before the effective date of first confinement unless the later confinement is the result of coverage, medical advice, consultation, or treatment was an entirely unrelated sickness or injury, or the confinements recommended or received, or for which symptoms existed that are separated by 30 days or more during which the covered would ordinarily cause a prudent person to seek diagnosis, person is not confined in any institution or facility. care, or treatment. Care or treatment caused by a pre-existing condition will not be covered unless it begins more than six A physician does not include a member of your immediate months after the effective date of coverage. A sickness is an family. illness, disease, or disorder, independent of injury, diagnosed Hospital does not include any institution or part thereof used or treated more than 30 days after the effective date of as an emergency room; a hospice unit, including any bed coverage and while coverage is in force. designated as a hospice or a swing bed; a convalescent home; a rest or nursing facility; a psychiatric unit; an extended-care Limitations and Exclusions facility; a skilled nursing facility; or a facility primarily Any illness, disease, or disorder diagnosed by a physician or affording custodial or educational care, care or treatment for medically treated during the 12 months prior to the effective persons suffering from mental disease or disorders, care for date of the policy will not be covered, unless the loss begins the aged, or care for persons addicted to drugs or alcohol. more than six months after the effective date of the policy. Benefits are not payable for any illness, disease, or disorder Complications of pregnancy do not include premature that is diagnosed by a physician or medically treated before delivery without incidence, false labor, occasional spotting, coverage has been in force 30 days from the effective date prescribed rest during pregnancy, morning sickness, and shown in the Policy Schedule, unless the loss begins more similar conditions associated with the management of a than six months after the effective date of the policy. Benefits difficult pregnancy not constituting a classifiably distinct for a covered sickness for all persons added to the policy complication of pregnancy. Cesarean deliveries are not (including newborns) are subject to a 30-day waiting period. considered complications of pregnancy. Aflac will waive the waiting period for newborns added after the policy has been in force for ten full months. The policy to which this sales material pertains is written only in English; the policy prevails if interpretation of this material The policy does not cover losses caused by or resulting from varies. intentionally self-inflicting bodily injury or attempting suicide; participating in any illegal activity that is classified as a felony (the term felony is as defined by the law of the jurisdiction in which the activity takes place); being exposed to war or any act of war, declared or undeclared, or actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve; having treatment for a mental or nervous disorder without demonstrable organic disease; alcoholism or drug dependency; any loss sustained or contracted due to a covered person’s being intoxicated or under the influence of alcohol, drugs, or any narcotic unless administered on the advice of a physician and taken according to the physician’s instructions (the term intoxicated refers to that condition as defined by the law of the jurisdiction in which the injury or cause of the loss occurred); having cosmetic surgery that is not medically necessary; having elective surgery that is not medically necessary within the first 12 months of the effective date of the policy; pregnancy or childbirth for a covered person, if the pregnancy is a normal pregnancy and the pregnancy began prior to the effective date of the policy (complications of pregnancy will be covered to the same extent as a sickness); routine nursing or well-baby care for a newborn child; being hospitalized before the effective date of coverage; or donating an organ within the first 12 months of the effective date of the policy.

This is a brief summary of coverage. Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions. Aflac is ... • A Fortune 500 company (Fortune magazine, April 2006) with nearly $60 billion (company statistics, December 2005), in assets, insuring more than 40 million people worldwide (company statistics, May 2005).

• Named by Fortune magazine to its list of America’s Most Admired Companies for the seventh consecutive year in March 2007.

• A premier provider of insurance policies with premiums payroll deducted for more than 370,000 payroll accounts nationally (company statistics, November 2006).

• Included by Forbes magazine in its annual list of America’s 400 Best Big Companies for the seventh year in January 2007.

• Named by Fortune magazine to its list of the 100 Best Companies to Work For in America for the ninth consecutive year in January 2007.

*Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices.

1.800.99.AFLAC (1.800.992.3522) En español: 1.800.SI.AFLAC (1.800.742.3522)

Visit our Web site at aflac.com. Your local Aflac insurance agent/producer

American Family Life Assurance Company of Columbus (Aflac) · Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com Plan 2

Hospital Protection Hospital Confinement Indemnity Insurance … what you need, when you need it.

Plan Benefits • Annual Hospitalization Confinement • Daily Hospital Confinement • Invasive Diagnostic Exams • Plus … more

American Family Life Assurance Company of Columbus (Aflac)

Form A46275TX RC(4/07) Hospital Protection Policy A46200TX

Annual Hospitalization Confinement Benefit than one surgical procedure may be performed. The highest Aflac will pay the amount listed below for the first five days eligible benefit will be paid. Exams covered under the of hospitalization when a covered person requires hospital Invasive Diagnostic Exams Benefit are not payable under this confinement* for a covered sickness or injury, or for benefit. No lifetime maximum. rehabilitory care as a result of sickness or injury, and a charge is incurred. Surgical Benefits are not payable for surgery performed in a doctor’s or dentist’s office, clinic, or other such location. Sickness $400 per day Surgical Benefits are not payable for losses caused by or Injury $500 per day resulting from elective surgery that is not medically necessary within the first 12 months of the effective date of the policy Benefits for the Annual Hospitalization Confinement Benefit unless the loss begins after 12 months from the effective date are limited to a total benefit payment of five days per calendar of the policy. year, per policy. Confinements not separated by 30 days or more, or hospitalization that begins prior to the end of one calendar year and continues into the next calendar year, will Outpatient Surgical Room Charge Benefit be considered one confinement. Aflac will pay the amount listed below when a covered person has a surgical operation or an invasive diagnostic exam performed on an outpatient basis in a hospital, including an Daily Hospital Confinement Benefit ambulatory surgical center. This benefit is not payable on the Aflac will pay $100 per day for the period of hospital same day as the Hospital Confinement Benefit. No lifetime confinement* when a covered person requires hospital maximum on the number of operations. confinement for a covered sickness or injury, or for rehabilitory care as a result of sickness or injury. This benefit Surgical operation or invasive diagnostic exam is payable in addition to the Annual Hospitalization with general anesthesia $300 Confinement Benefit. The maximum benefit period for any one period of hospital confinement is 365 days. No lifetime Surgical operation or invasive diagnostic exam maximum. without general anesthesia $100

*Hospital confinement does not include emergency rooms. Treatment or confinement in a U.S. government hospital does Waiver of Premium Benefit Aflac will waive from month to month, for the named insured not require a charge for benefits to be payable. only, any premium(s) falling due during the named insured’s continued hospital confinement. This benefit will begin after Invasive Diagnostic Exams Benefit the named insured has received Daily Hospital Confinement Aflac will pay $100 when a covered person requires one of the Benefits from the policy for 30 consecutive days. When Daily following exams and a charge is incurred: arthroscopy, Hospital Confinement Benefits are no longer being paid, bronchoscopy, colonoscopy, cystoscopy, gastroscopy, premium payments must be resumed. Once premium laryngoscopy, sigmoidoscopy, esophagoscopy, or payments are resumed, any new confinements must again myringoscopy. These exams must be performed in a hospital satisfy the 30-day continued confinement for premiums to be or an ambulatory surgical center. Only one benefit is payable waived. If you die and your spouse becomes the new named per 24-hour period, per covered person. When an invasive insured, premiums will start again at the appropriate rate and diagnostic exam and a surgical benefit are performed on the will be due on the first premium due date after the change. same day, only one benefit is payable per 24-hour period. The The new named insured will then be eligible for this benefit if highest eligible benefit will be paid. No lifetime maximum. the need arises.

Surgical Benefit Grace Period Aflac will pay $50–$1,000 when a surgical operation is A grace period of 31 days will be granted for the payment of performed, including a vaginal or cesarean delivery, on a each premium falling due after the first premium. During the covered person for a covered sickness or injury in a hospital grace period, the policy will continue in force. or an ambulatory surgical center. If any operation for the treatment of the covered sickness or injury is performed other than those listed, Aflac will pay an amount comparable to the amount shown in the Schedule of Operations for the operation most nearly similar in severity and gravity. Only one benefit is payable per 24-hour period for surgery, even though more Premiums (including newborns) are subject to a 30-day waiting period. Premiums are subject to change. Risk Class: ______Aflac will waive the waiting period for newborns added after Annual Semiannual Quarterly Monthly the policy has been in force for ten full months. Policy A46200TX: $______$______$______$______The policy does not cover losses caused by or resulting from Optional Rider: Initial Hospitalization Benefit intentionally self-inflicting bodily injury or attempting A46050: $______$______$______$______suicide; participating in any illegal activity that is classified as The person to whom the policy is issued is permitted to return a felony (the term felony is as defined by the law of the the policy to Aflac within 30 days of its delivery and to have jurisdiction in which the activity takes place); being exposed the premium paid refunded. to war or any act of war, declared or undeclared, or actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve; having treatment for Guaranteed-Renewable a mental or nervous disorder without demonstrable organic The policy is guaranteed-renewable for your lifetime, subject disease; alcoholism or drug dependency; any loss sustained or to Aflac’s right to change premiums by class upon any contracted due to a covered person’s being intoxicated or renewal date. under the influence of alcohol, drugs, or any narcotic unless administered on the advice of a physician and taken according Family Coverage to the physician’s instructions (the term intoxicated refers to Family coverage includes the insured; spouse; and dependent, that condition as defined by the law of the jurisdiction in unmarried children under age 25. Newborn children are which the injury or cause of the loss occurred); having automatically insured from the moment of birth. One-parent cosmetic surgery that is not medically necessary; having family coverage includes the insured and dependent, unmarried elective surgery that is not medically necessary within the children under age 25. A dependent child must be under age 25 first 12 months of the effective date of the policy; pregnancy at the time of application to be eligible for coverage. or childbirth for a covered person, if the pregnancy is a normal pregnancy and the pregnancy began prior to the effective date of the policy (complications of pregnancy will Effective Date be covered to the same extent as a sickness); routine nursing The effective date is the date shown in the Policy Schedule, not or well-baby care for a newborn child; being hospitalized the date the application is signed. Payroll rates may be retained before the effective date of coverage; or donating an organ after one month’s premium payment on payroll deduction. within the first 12 months of the effective date of the policy.

If the period of hospital confinement follows a previously Pre-Existing Conditions covered confinement, it will be deemed a continuation of the A pre-existing condition is an illness, disease, or disorder for first confinement unless the later confinement is the result of which, within the 12-month period before the effective date of an entirely unrelated sickness or injury, or the confinements coverage, medical advice, consultation, or treatment was are separated by 30 days or more during which the covered recommended or received, or for which symptoms existed that person is not confined in any institution or facility. would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Care or treatment caused by a pre-existing A physician does not include a member of your immediate condition will not be covered unless it begins more than six family. months after the effective date of coverage. A sickness is an illness, disease, or disorder, independent of injury, diagnosed Hospital does not include any institution or part thereof used or treated more than 30 days after the effective date of as an emergency room; a hospice unit, including any bed coverage and while coverage is in force. designated as a hospice or a swing bed; a convalescent home; a rest or nursing facility; a psychiatric unit; an extended-care facility; a skilled nursing facility; or a facility primarily Limitations and Exclusions affording custodial or educational care, care or treatment for Any illness, disease, or disorder diagnosed by a physician or persons suffering from mental disease or disorders, care for medically treated during the 12 months prior to the effective the aged, or care for persons addicted to drugs or alcohol. date of the policy will not be covered, unless the loss begins more than six months after the effective date of the policy. Complications of pregnancy do not include premature Benefits are not payable for any illness, disease, or disorder delivery without incidence, false labor, occasional spotting, that is diagnosed by a physician or medically treated before prescribed rest during pregnancy, morning sickness, and coverage has been in force 30 days from the effective date similar conditions associated with the management of a shown in the Policy Schedule, unless the loss begins more difficult pregnancy not constituting a classifiably distinct than six months after the effective date of the policy. Benefits complication of pregnancy. Cesarean deliveries are not for a covered sickness for all persons added to the policy considered complications of pregnancy. This is a brief summary of coverage. Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions. Aflac is ... • A Fortune 500 company (Fortune magazine, April 2006) with nearly $60 billion (company statistics, December 2005), in assets, insuring more than 40 million people worldwide (company statistics, May 2005).

• Named by Fortune magazine to its list of America’s Most Admired Companies for the seventh consecutive year in March 2007.

• A premier provider of insurance policies with premiums payroll deducted for more than 370,000 payroll accounts nationally (company statistics, November 2006).

• Included by Forbes magazine in its annual list of America’s 400 Best Big Companies for the seventh year in January 2007.

• Named by Fortune magazine to its list of the 100 Best Companies to Work For in America for the ninth consecutive year in January 2007.

*Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices.

1.800.99.AFLAC (1.800.992.3522) En español: 1.800.SI.AFLAC (1.800.742.3522)

Visit our Web site at aflac.com. Your local Aflac insurance agent/producer

American Family Life Assurance Company of Columbus (Aflac) · Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com Plan 3

Hospital Protection Hospital Confinement Indemnity Insurance … what you need, when you need it.

Plan Benefits • Annual Hospitalization Confinement • Daily Hospital Confinement • Invasive Diagnostic Exams • Wellness • Plus … more

American Family Life Assurance Company of Columbus (Aflac)

Form A46375TX RC(4/07) Hospital Protection Policy A46300TX

Annual Hospitalization Confinement Benefit within the first 12 months of the effective date of the policy Aflac will pay the amount listed below for the first five days unless the loss begins after 12 months from the effective date of hospitalization when a covered person requires hospital of the policy. confinement* for a covered sickness or injury, or for Outpatient Surgical Room Charge Benefit rehabilitory care as a result of sickness or injury, and a charge Aflac will pay the amount listed below when a covered person is incurred. has a surgical operation or an invasive diagnostic exam Sickness $400 per day performed on an outpatient basis in a hospital, to include an Injury $500 per day ambulatory surgical center. This benefit is not payable on the Benefits for the Annual Hospitalization Confinement Benefit same day as the Hospital Confinement Benefit. No lifetime are limited to a total benefit payment of five days per calendar maximum on the number of operations. year, per policy. Confinements not separated by 30 days or Surgical operation or invasive diagnostic exam more, or hospitalization that begins prior to the end of one with general anesthesia $300 calendar year and continues into the next calendar year, will Surgical operation or invasive diagnostic exam be considered one confinement. without general anesthesia $100 Daily Hospital Confinement Benefit Medical Diagnostic and Imaging Benefit Aflac will pay $100 per day for the period of hospital Aflac will pay $150 per calendar year for each covered person confinement* when a covered person requires hospital when a covered person requires one of the following exams confinement for a covered sickness or injury, or for and a charge is incurred: CT scan, MRI (magnetic resonance rehabilitory care as a result of sickness or injury. This benefit imaging), EEG (electroencephalogram), thallium stress test, is payable in addition to the Annual Hospitalization myelogram, angiogram, or arteriogram. These exams must be Confinement Benefit. The maximum benefit period for any performed in a hospital, an ambulatory surgical center, or a one period of hospital confinement is 365 days. No lifetime doctor’s office. This benefit is limited to one payment per maximum. calendar year, per covered person. No lifetime maximum. *Hospital confinement does not include emergency rooms. Treatment or confinement in a U.S. government hospital does Ambulance Benefit not require a charge for benefits to be payable. Aflac will pay $100 if, due to a covered sickness or injury, a covered person requires ground ambulance transportation to Invasive Diagnostic Exams Benefit or from a hospital and a charge is incurred. If air ambulance Aflac will pay $100 when a covered person requires one of the transportation is required due to a covered sickness or injury following exams and a charge is incurred: arthroscopy, and a charge is incurred, Aflac will pay $1,000. A licensed bronchoscopy, colonoscopy, cystoscopy, gastroscopy, professional ambulance company must provide the ambulance laryngoscopy, sigmoidoscopy, esophagoscopy, or service. This benefit is limited to two trips per calendar year, myringoscopy. These exams must be performed in a hospital per covered person. No lifetime maximum. or an ambulatory surgical center. Only one benefit is payable per 24-hour period, per covered person. When an invasive Wellness Benefit diagnostic exam and a surgical benefit are performed on the After the policy has been in force for 12 months, Aflac will pay same day, only one benefit is payable per 24-hour period. The $50 if you or any one family member undergoes routine highest eligible benefit will be paid. No lifetime maximum. examinations or other preventive testing during the following policy year. Services covered are annual physical Surgical Benefit examinations, dental exams, mammograms, Pap smears, eye Aflac will pay $50–$1,000 when a surgical operation is examinations, immunizations, prostate-specific antigen tests, performed, including a vaginal or cesarean delivery, on a ultrasounds, and blood screenings. This benefit will become covered person for a covered sickness or injury in a hospital available following each anniversary of the policy’s effective or an ambulatory surgical center. If any operation for the date for service received during the following policy year and treatment of the covered sickness or injury is performed other is payable only once per policy each 12-month period than those listed, Aflac will pay an amount comparable to the following your policy anniversary date. Eligible family amount shown in the Schedule of Operations for the operation members are your spouse and the dependent children of either most nearly similar in severity and gravity. Only one benefit is you or your spouse. Service must be under the supervision of payable per 24-hour period for surgery even though more than or recommended by a physician, received while your policy is one surgical procedure may be performed. The highest in force, and a charge must be incurred. eligible benefit will be paid. Exams covered under the Invasive Diagnostic Exams Benefit are not payable under this Waiver of Premium Benefit benefit. No lifetime maximum. Aflac will waive from month to month, for the named insured Surgical Benefits are not payable for surgery performed in a only, any premium(s) falling due during the named insured’s doctor’s or dentist’s office, clinic, or other such location. continued hospital confinement. This benefit will begin after Surgical Benefits are not payable for losses caused by or the named insured has received Daily Hospital Confinement resulting from elective surgery that is not medically necessary Benefits from the policy for 30 consecutive days. When Daily Hospital Confinement Benefits are no longer being paid, for a covered sickness for all persons added to the policy premium payments must be resumed. Once premium (including newborns) are subject to a 30-day waiting period. payments are resumed, any new confinements must again Aflac will waive the waiting period for newborns added after satisfy the 30-day continued confinement for premiums to be the policy has been in force for ten full months. waived. If you die and your spouse becomes the new named The policy does not cover losses caused by or resulting from insured, premiums will start again at the appropriate rate and intentionally self-inflicting bodily injury or attempting will be due on the first premium due date after the change. suicide; participating in any illegal activity that is classified as The new named insured will then be eligible for this benefit if a felony (the term felony is as defined by the law of the the need arises. jurisdiction in which the activity takes place); being exposed Grace Period to war or any act of war, declared or undeclared, or actively A grace period of 31 days will be granted for the payment of serving in any of the armed forces or units auxiliary thereto, each premium falling due after the first premium. During the including the National Guard or Reserve; having treatment for grace period, the policy will continue in force. a mental or nervous disorder without demonstrable organic disease; alcoholism or drug dependency; any loss sustained or Premiums contracted due to a covered person’s being intoxicated or Premiums are subject to change. Risk Class: ______under the influence of alcohol, drugs, or any narcotic unless Annual Semiannual Quarterly Monthly administered on the advice of a physician and taken according Policy A46300TX: $______$______$______$______to the physician’s instructions (the term intoxicated refers to Optional Rider: Initial Hospitalization Benefit that condition as defined by the law of the jurisdiction in which the injury or cause of the loss occurred); having A46050: $______$______$______$______cosmetic surgery that is not medically necessary; having The person to whom the policy is issued is permitted to return elective surgery that is not medically necessary within the the policy to Aflac within 30 days of its delivery and to have first 12 months of the effective date of the policy; pregnancy the premium paid refunded. or childbirth for a covered person, if the pregnancy is a Guaranteed-Renewable normal pregnancy and the pregnancy began prior to the The policy is guaranteed-renewable for your lifetime, subject effective date of the policy (complications of pregnancy will to Aflac’s right to change premiums by class upon any be covered to the same extent as a sickness); routine nursing renewal date. or well-baby care for a newborn child; being hospitalized before the effective date of coverage; or donating an organ within the Family Coverage first 12 months of the effective date of the policy. Family coverage includes the insured; spouse; and dependent, If the period of hospital confinement follows a previously unmarried children under age 25. Newborn children are covered confinement, it will be deemed a continuation of the automatically insured from the moment of birth. One-parent first confinement unless the later confinement is the result of family coverage includes the insured and dependent, unmarried an entirely unrelated sickness or injury, or the confinements children under age 25. A dependent child must be under age are separated by 30 days or more during which the covered 25 at the time of application to be eligible for coverage. person is not confined in any institution or facility. Pre-Existing Conditions A physician does not include a member of your immediate A pre-existing condition is an illness, disease, or disorder for family. which, within the 12-month period before the effective date of Hospital does not include any institution or part thereof used coverage, medical advice, consultation, or treatment was as an emergency room; a hospice unit, including any bed recommended or received, or for which symptoms existed that designated as a hospice or a swing bed; a convalescent home; would ordinarily cause a prudent person to seek diagnosis, a rest or nursing facility; a psychiatric unit; an extended-care care, or treatment. Care or treatment caused by a pre-existing facility; a skilled nursing facility; or a facility primarily condition will not be covered unless it begins more than six affording custodial or educational care, care or treatment for months after the effective date of coverage. A sickness is an persons suffering from mental disease or disorders, care for illness, disease, or disorder, independent of injury, diagnosed the aged, or care for persons addicted to drugs or alcohol. or treated more than 30 days after the effective date of Complications of pregnancy do not include premature coverage and while coverage is in force. delivery without incidence, false labor, occasional spotting, Limitations and Exclusions prescribed rest during pregnancy, morning sickness, and Any illness, disease, or disorder diagnosed by a physician or similar conditions associated with the management of a medically treated during the 12 months prior to the effective difficult pregnancy not constituting a classifiably distinct date of the policy will not be covered, unless the loss begins complication of pregnancy. Cesarean deliveries are not more than six months after the effective date of the policy. considered complications of pregnancy. Benefits are not payable for any illness, disease, or disorder Effective Date that is diagnosed by a physician or medically treated before The effective date is the date shown in the Policy Schedule, not coverage has been in force 30 days from the effective date the date the application is signed. Payroll rates may be retained shown in the Policy Schedule, unless the loss begins more after one month’s premium payment on payroll deduction. than six months after the effective date of the policy. Benefits This is a brief summary of coverage. Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions. Aflac is ... • A Fortune 500 company (Fortune magazine, April 2006) with nearly $60 billion (company statistics, December 2005), in assets, insuring more than 40 million people worldwide (company statistics, May 2005).

• Named by Fortune magazine to its list of America’s Most Admired Companies for the seventh consecutive year in March 2007.

• A premier provider of insurance policies with premiums payroll deducted for more than 370,000 payroll accounts nationally (company statistics, November 2006).

• Included by Forbes magazine in its annual list of America’s 400 Best Big Companies for the seventh year in January 2007.

• Named by Fortune magazine to its list of the 100 Best Companies to Work For in America for the ninth consecutive year in January 2007.

*Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices.

1.800.99.AFLAC (1.800.992.3522) En español: 1.800.SI.AFLAC (1.800.742.3522)

Visit our Web site at aflac.com. Your local Aflac insurance agent/producer

American Family Life Assurance Company of Columbus (Aflac) · Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com