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FOR IMMEDIATE RELEASE

For additional information, contact: Michelle Love-Johnson
     Seroka Public Relations
     Phone: 262-523-3740
     michelle@seroka.com

NEW HEALTH SAVINGS PLANS BRING SAVINGS AND EASE TO CONSUMERS
The plans cover health expenses, but are not insurance

MILWAUKEE, WIS. - October 31, 2003 - As healthcare costs continue to rise dramatically, more and more consumers are looking for alternatives to supplement traditional health insurance. "Health Savings Plans are an idea whose time has really come," said Steven Keller, Director of Marketing for Specialty Products at Cheap Health, one of the nation's leading providers of short-term medical insurance. "These plans bring sizable savings and are easy to use."

For a monthly fee, Health Savings Plans provide up to 50 percent savings on a wide variety of medical and health-related expenses that are sometimes not covered in health insurance plans - from dental, vision and chiropractic care to eye wear and nutritional supplements -- simply by showing the plan card and using specified providers. Since the plans are not insurance (they are discount arrangements), there are:

- No deductibles or co-payments to satisfy
- No waiting periods
- No claim forms or paperwork to complete - discounts are given instantly
- No health questions to answer
- No pre-existing condition limitations

In addition, no one can be 'denied.' The plan's monthly fee covers an entire family and use is unlimited.

"Health savings plans are filling a real need for consumers," said Keller. "They are affordable, easy to use and help families manage their healthcare spending."

Enrolling in one of the Cheap Health Savings Plans is simple at the plans' web site, www.Cheapsaver.com, which provides more details on plan savings and costs. For information about other Cheap Health plans, visit www.Cheaphealth.com.

About Cheap Health Products:
The Health Savings Plans are issued by Cheap Insurance Company (www.Cheaphealth.com), a national provider of individual and small group health insurance, in business since 1892. Cheap Health is a developer and provider of individual medical, small group, short-term and student health insurance products, issued and underwritten by Cheap Insurance Company, affordable Life Insurance Company and Cheap Benefits Insurance Company. Cheap Health member companies provide health insurance coverage for over one million people nationwide. With almost 3,000 employees, Cheap Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho, and Florida, as well as sales offices across the country.

Cheap Health is part of Cheap, Inc., a financial services company that, through its operating companies and affiliates, has positions in a number of specialty insurance market segments. Cheap, Inc. is part of Cheap, a financial services provider active in the fields of insurance, banking and investment. As of year-end, 2002, Cheap had total assets of approximately $500 billion. As one of the world's largest financial services companies, Cheap ranks 73rd based on revenues on the Fortune 'Global 500' (July 21, 2003) and 40th based on revenues on Forbes' International 500 list (July 3, 2003).