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ASSOCIATION HOSPITAL/MEDICAL INDEMNITY PLAN

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OVERVIEW OF THE PLANS

                                                                                               PLAN PAYS:                                     PLAN PAYS:                                       PLAN PAYS:
BENEFITS Option 1 Option 2 Option 3
Doctor Visits $50 per visit - Limit 5/yr $50 per visit - Limit 5/yr $75 per visit - Limit 7/yr
Lab & X-Ray Benefit Not included $100 per use - Limit 3/yr $100 per use - Limit 5/yr
Accident Benefit

Limit $500 per accident

Limit $1,000 per accident

Limit $1,000 per accident

Daily In-Hospital Benefit $250 per day 30 day maximum $500 per day 30 day maximum $1,000 per day 30 day maximum
Deductible No deductible No deductible No deductible
Surgical Benefit Per Schedule of Surgical Indemnity Benefits $1,200 maximum Per Schedule of Surgical Indemnity Benefits $1,800 maximum Per Schedule of Surgical Indemnity Benefits $2,400 maximum
Anesthesia Benefit 20% of Surgical Benefit 20% of Surgical Benefit  20% of Surgical Benefit
Prescription Drugs Benefit Not included  $20 per prescription    Limit 10 prescriptions/yr  $20 per prescription    Limit 15 prescriptions/yr

This summary is intended to highlight the main features of the proposed group insurance plan.

By the very nature of a summary, it does not include all of the specific benefits or limitations in the contract.

The Master Group Policy and your specific state laws will govern in all cases.

Association group health insurance plan available to members of National Association of Consumers Direct where approved and through licensed insurance agents only. Available through age 69 to members, their spouses and children to age 24; except disabled children as defined herein. Plans, benefits, rates and availability vary by state. See certificate for details on benefits, exclusions and limitations.

MONTHLY  PREMIUMS Option 1 Option 2 Option 3
Member $ 86.20 $ 136.10 $ 182.80
Member + 1 $ 136.78 $ 229.97 $ 316.93
Member + 2 or more $ 185.66 $ 320.79 $ 446.95

Premiums effective as of October 1, 2004

NOTE: The Association access / membership benefit fee of $28 is included in the above premiums.

*All billing for this program is handled on a direct debit or credit card basis*

For Direct Debit Payment: A $2 monthly fee will be added to the above premiums

For Credit Card Payment: A 2.5% monthly processing fee will be added to the above premiums