About Combined Insurance

With an 85 year history of excellence, Combined Insurance (www.combinedinsurance.com) is a leading provider of supplemental accident, health and life insurance products and is a member of the ACE Group of Companies. With a field sales force and corporate staff in excess of 7,000 people worldwide, Combined Insurance meets the growing coverage needs of policyholders around the globe. For more information, call 1-800-490-1322 or visit www.combinedinsurance.com.

About ACE

Celebrating 25 years of insuring progress, the ACE Group is a global leader in insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited (NYSE:ACE), a component of the S&P 500 stock index, the ACE Group conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries. Additional information can be found at: www.acegroup.com.

HISTORY OF COMBINED INSURANCE

With $100, a positive spirit and a vision to make the world a better place, W. Clement Stone founded Combined Insurance in 1922. Mr. Stone's story is the stuff of legend. Our rich insurance history and his legacy drives our company to this day.

Starting in 1959, with an expansion into Australia, Combined Insurance embarked on an ambitious plan for growth. Nearly 50 years later, we've expanded to serve the global market, offering our products in 10 countries in addition to the United States.

Today, we're still making insurance history. On April 1, 2008, Aon Corporation, announced the closing of the sale of Combined Insurance to ACE Limited (NYSE: ACE), parent company of the ACE Group of Companies, a global leader in insurance and reinsurance. ACE joins Combined Insurance in a mutual commitment to outstanding customer service and timely claims payment. Our financial strength affords us a sound base to better serve our policyholders and pursue exciting growth opportunities in the future.