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Performance Matters Associates,"PMA USA"

Performance Matters Associates, or PMA USA, is a national company that provides both employee benefits solutions to American employers, and voluntary insurance products directly to consumers. PMA USA is headquartered in Dallas, Texas and serves middle-income American consumers nationwide who are within or approaching the retirement age range. Employers served by PMA USA vary in size and industry although the employee base within these diverse employers are not dissimilar to PMA USA's consumer target group.

PMA USA is a wholly owned subsidiary of Carmel, Indiana based Washington National Insurance Company, "WNIC". WNIC, in turn, operates under the holding company of CNO Financial Group, Inc. (name changed May 2010, formerly Conseco).

Established in 1999, PMA USA markets supplemental health insurance products and life insurance products that are underwritten by Washington National Insurance Company, "WNIC". PMA USA offers cancer and critical illness insurance, accident and disability insurance, hospitalization and ICU insurance and life insurance.

Employer groups that PMA USA work with in collaboration with WNIC are diverse in both the range of industries represented and in the insurance solution product utilized. PMA USA services educators through school districts; small business owners; medical professionals and hospital employees; government employees; retail and service industries; firemen, police officers and other public safety employees; employees from all types of manufacturing; and farm and ranch workers. Insurance products offered to employer groups range from protection against business loss due to illness or injury to disability insurance to various life insurance solutions.

PMA USA recruits, trains and provides administrative support to insurance agents, who primarily offer their Washington National Insurance Company's products to consumers in rural communities and small towns in the United States. Many of the PMA USA agents offer their customers over 25 years of experience in the insurance field.

PMA USA has a dedicated initiative to employ US veterans. The military.com website features PMA USA as an active supporter of employment opportunities for veterans.

Parent Company: Washington National Insurance Company

PMA USA represents WNIC, which had its beginnings over 100 years ago in Illinois as a health and accident insurer of teachers. Washington National Insurance Company has served nearly one million policyholders and more than 25,000 employer organizations across America. At the end of 2013, WNIC had $3.2 billion in assets under management and $2.5 billion in policy reserves. In addition, WNIC had paid over $1.1 billion in illness, injury and accident claims to policyholders, as well as approximately $2 billion of return-of-premium and cash-value payouts.

In 2013, WNIC customers primarily purchased forms of supplemental insurance; insurance which is purchased as a strategy to reduce the financial risk an individual/family may be exposed to when insurance billing is more than the costs that existing insurance policies will cover. WNIC collected 98% of their premiums in 2013 from Medicare supplement and other supplemental health insurance. Of these two categories, most renewals and new policies written were in the latter category; specifically in the disease, accident and hospital indemnity products. Life premiums were just 2% of the 2013 year end premium collections.

Washington National Insurance Company has a research and consumer education arm called Washington National Institute for Wellness Solutions (IWS). IWS sponsors independent studies that serve to educate middle income Americans about the financial and personal challenges of critical illnesses.

The parent of PMA USA, Washington National Insurance Company, is affiliated with sister insurance companies, Bankers Life and Casualty Company (dba Bankers Life) and Colonial Penn Life Insurance Company, and with a fixed income management group, 40/86 Advisors, Inc. through the holding company, CNO Financial Group, Inc.. CNO Financial Group, Inc is listed on the New York Stock Exchange.