Contrary to popular belief, stress can be alleviated.

Peace of mind is now for sale.

We all know people whose financial and emotional lives were devastated by unemployment. The house was lost. The marriage suffered. It’s in the headlines and our neighborhoods every day. And in today’s economic climate, no one is immune.

That is why we developed IncomeAssure. We knew that the average government unemployment benefits of about $60 a day are not enough. Could your family live on that? We provide financial security for your future, so you have emotional wellbeing today.

While few of us relish jumping out of bed in the morning to go to work, the prospect of having no work to go to is far worse. Instead, imagine going into work every day knowing that if the worst occurs, and you get laid off, you will still be able to pay your bills and take care of your family. That is true financial security. That is peace of mind. That is IncomeAssure.

With IncomeAssure, you can insure up to $250,000 of your annual income against the risk of job loss. If you become unemployed, you receive a total of 50% of your former salary, because IncomeAssure supplements the state unemployment check by whatever amount necessary to reach half of your former income.

Thus, state bene!ts + IncomeAssure = 50% of your prior income.

In today’s reality, no one is safe.

Megan, mother, wife, tennis fanatic, bank accountant, and baker of a superb peach tart, Buffalo, NY; annual salary of $90,000.

What you get:With IncomeAssure, we supplement the state unemployment benefit payments you receive due to involuntary unemployment so that the combined amount you receive from both state benefits and IncomeAssure is 50% of your former pay.

How long it lasts:Our benefits begin two weeks after state benefits start, and continue for a maximum of 24 weeks.

What it costs:Your plan will be tailored to your specific situation, so you’ll need to go to our website to find out exactly what it will cost you. To give you an idea, if you earn $75,000 working in Education or Health Services in Virginia, your cost would be $18 a month. And as these monthly costs (or “premiums”) may well be tax deductible, the net cost could be far less. Check with your accountant to find out whether IncomeAssure premiums are tax deductible for you.

How you get paid: First, we ask for proof of payment from your state unemployment insurance office. Then, we verify your claim and send you a check (or direct deposit) within two weeks. You continue to get a check from IncomeAssure for every week you can’t find work, as long as you are receiving government benefits.

How it works: An IncomeAssure policy lasts for one year, and is renewable, as long as you are eligible and submit your renewal information. If you become unemployed or are told of an impending layoff during the first six months of the initial policy period, you cannot collect, but we will refund all of the premiums you have paid. This is just a summary. For full details, see www.IncomeAssure.com.

When Employed $90,000 Annual Salary $1,731Cost of IncomeAssure $16

If Unemployed Government Payout $405IncomeAssure Benefit $460

Total Income with IncomeAssure $865

Weekly

Policy Details in Plain English

Premiums as of 4/1/2012

How much does it cost?Rates are determined by a number of factors such as the state where you work, the industry of your employer, and your salary. Generally, premiums range between 0.5% to 2.0% of gross annual salary. For example, if you make $75,000 per year, your policy could cost as little as $18 per month. To get an exact quote, go to IncomeAssure.com, or call 1-888-618-2070.

Is what I pay for IncomeAssure tax deductible?IncomeAssure payments, (or “premiums” in insurance speak) may be tax deductible as “unreimbursed job or business related expenses” under section 162(a) of the Internal Revenue Code. We encourage you to double-check with your accountant, but most people may be able to deduct a good part of their payments—a potential savings of hundreds of dollars.

Do I have to pay for IncomeAssure if I lose my job? No, all premium payments due are waived while you are receiving benefits.This is when we pay you.

How long will I receive I payments after I lose my job? IncomeAssure aligns with the state unemployment benefits system, which pays out benefits for up to 26 weeks. IncomeAssure pays up to 24 weeks of benefits in this 26-week period. IncomeAssure benefits begin two weeks after state benefits start, and you will receive IncomeAssure payments as often as your state pays its benefit.

How do I get my payments? You can receive your IncomeAssure payments by check or through direct deposit, you choose.

Can I make a claim right away? No, there is a six month initial waiting period from the effective date of your first policy. If you become unemployed during this time, you would not get benefits, but we will give you a full refund on all payments made, so there is no risk to you.

Can I cancel my policy at any time?Yes.

Do I qualify?IncomeAssure is currently available in 46 states, with nationwide coverage to follow soon. Please fill out an application on IncomeAssure.com to see if you qualify for coverage.

Can I receive IncomeAssure payments if I don’t qualify for stateunemployment benefits? No, IncomeAssure works in tandem with state unemployment benefits. You must be receiving state unemployment benefits under an approved state claim in order to qualify for IncomeAssure supplemental unemployment compensation payments.

If I switch jobs, what happens? Even if you switch jobs you can usually keep your IncomeAssure coverage. Just give us a call at 1-888-618-2070 and we will update your policy.

Can my spouse or partner and I both buy policies? Most certainly, as long as you each meet the eligibility requirements and each of you is purchasing coverage only for your own individual wages.

I am currently unemployed. Can I buy a policy? No, you must be currently employed to purchase an IncomeAssure policy.

Josh, husband, sci-! geek, transportation executive, admittedly-terrible golfer, and super-proud new dad, Dallas, TX; annual salary of $200,000.

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When Employed $200,000 Annual Salary $3,846Cost of IncomeAssure $42

If Unemployed Government Payout $426IncomeAssure Benefit $1,497

Weekly

$1,923Total Income with IncomeAssure

Premiums as of 4/1/2012

IncomeAssure is underwritten by Great American Insurance Company,

a member of Great American Insurance Group and a subsidiary of

American Financial Group, Inc. (AFG). Great American Insurance

Company has maintained an “A” (Excellent) rating or higher from A.M.

Best Company for over 100 years (rating affirmed as of February 14,

2011). Great American Insurance Company’s roots trace back to 1872

when it was founded in New York. Great American Insurance Group is

comprised of over 25 companies and divisions. Great American

Insurance Group is engaged primarily in underwriting property and

casualty insurance. With over 100 locations throughout North America

and Western Europe and headquartered in Cincinnati, Ohio, Great

American Insurance Group was recognized as one of the 2011 “Ward’s

50” top performing property and casualty insurance companies.

American Financial Group (AFG) is a Fortune 500 holding company

whose common stock is listed on the New York Stock Exchange and

NASDAQ. The members of Great American Insurance Group are

subsidiaries of AFG.

What is supplemental unemployment insurance?Supplemental unemployment insurance provides financial stability by replacing a portion of your income if you lose your job. Supplemental unemployment insurance has been available in other countries for decades. IncomeAssure is supplemental unemployment insurance. With IncomeAssure, if you are laid off, you will still receive 50% of your former earnings, replaced through a combination of your state coverage and our payments.

Why do I need supplemental unemployment insurance?Our state unemployment systems were designed to replace 50% of a worker’s lost income. For people earning less than about $50,000 a year, the system works. Unfortunately, because state benefits are capped at a fixed dollar amount, if you earn more than about $50,000 per year, state unemployment benefits (which are as little as $235 a week in some states) don’t come close to covering your needs. IncomeAssure closes the gap between state unemployment benefits and 50% of your prior salary, so that if you become unemployed you are still able to meet your financial obligations without exhausting your savings.

Who are Assura Group and Great American?Assura Group of NY, Ltd, a New York based company, was founded in 2006 to find a way to help the millions of Americans who are inadequately covered by the state unemployment benefits system. Assura has achieved this by designing the IncomeAssure program, which is underwritten by the Great American Insurance Company, rated “A” (Excellent) by A.M. Best (rating affirmed as of February 14, 2011). Great American Insurance is engaged primarily in property and casualty insurance and is a subsidiary of American Financial Group, Inc. (AFG). AFG’s common stock is listed and traded on the New York Stock Exchange and NASDAQ Global Select Market under the symbol AFG.

How can we help? How do I contact you for more information, to make a claim or if I have questions about my claim? We are committed to providing you with the highest level of customer service. In addition to our website, our call center representatives are available toll-free at 1-888-618-2070 to answer questions and provide any assistance that you may require.

I need some background.

When Employed $200,000 Annual Salary $3,846Cost of IncomeAssure $42

If Unemployed Government Payout $426IncomeAssure Benefit $1,497

For more information:

Steve Ryerson,President

UNFCU Financial Advisors

Phone: 347.686.6632Email: Sryerson@unfcu.com

© 2012 Assura Group of NY, LTD.The premium rates shown are only examples and are not an offer of coverage. Actual premium rates are based on individual circumstances. As a result of underwriting, !nal premium rates may differ from the premium rates used as examples in this brochure. Please see our privacy policy at www.IncomeAssure.com. The insurance product description is summarized. Refer to the actual policy declarations and policy form for a complete description of all applicable terms, conditions, limits and exclusions. The insurance product may not be available in all jurisdictions.