KAISER INTERNATIONAL HEALTHGROUP.INC.

THE 3 IN 1 SAVINGS PLAN;

1) HEATHCARE

2)LIFE INSURANCE

3) INVESTMENT

CHOOSING THE RIGHT HEALTHCARE

KAISER LONG TERM HEALTHCARE BENEFITS.....LONG-TERM CARE BENEFITS, YEARLY HEALTH BENEFITS, LONG-TERM CARE BONUS, LIFETIME NETWORK ACCESS, COST-FREE HEALTH BENEFITS, ACCUMULATION OF UNUSED YEARLY HEALTH BENEFITS AND BUNOS, TERM LIFE INSURANCE COVERAGE, ACCIDENTAL DEATH & DISMEMBERMENT, WAIVER OF INSTALLMENT DUE TO DEATH/CREDIT LIFE AND WAIVER OF INSTALLMENT & PREMIUMS DUE TO TOTAL AND PERMANENT DISABILITY.