Twice as Simple to Sell

1. Twice as Simple to Sell S2-6047

2. Agenda • MedAmerica Company Review • The Simplicity Advantage • Product Details • Value Pricing and Rating software • Multi Life • Website • Administration • CREDIT for CA$H

3. 20 Years Insurer of LTC • Not a Financial Services Supermarket • Integral business of The Lifetime Healthcare Company - $5 billion health insurer with over 65 Years Experience

4. No History of Rate Increases • 50 Years Combined Actuarial Experience + • Millimam Consulting from Inception

5. Consistent Ratings • 10 consecutive years MedAmerica has an A.M. Best’s rating of A- “Excellent” and an A- “Strong” rating by S&P

6. Innovative Industry Leader • 1996 First to Introduce Shared Care • 2004 First to Respond to the NEW Consumer: • True Cash • Simplified Contract Language • Pre-paid Benefits • Relevant Product Now and in the Future • 100% WorldWide Coverage

7. Target: Baby Boomers • The New LTC Market • 79 Million, Educated, Planning for Retirement • Desire to be Independent • Cash for Lifestyle Assurance should “Life Change on a Dime”

8. Old Designs vs. Cash • What a 100% Reimbursement policy offers clients: • Receive the right services, at the right expense, from the right provider for the right number of days, send in the bills, and, if approved, possibly get 100%. • What Simplicity offers: • If eligible, get 100% of your cash- every month - in advance..

9. Why Cash? • Provides maximum flexibility for funding care • “Care Choice” not “Managed Care” • Best option for the future • Pre-paid Monthly Cash Benefit

10. Why Cash? • No proof of service or receipts! • Simply ask for a check! • You are not put in the position to explain why expenses are not covered

11. Why Cash? • “All Wheel Drive” for the changing terrain of LTC – Guaranteed Benefits • Covers New Treatments, Technology for Prolonging Independence

12. The Claims Process Simplified

13. Simplicity Stands Tall Among the Competition The highest-rated LTCi product on the market 92* Prudential Cash 76 Allianz Generation Protector 63 MetLife Ideal 2 72 John Hancock Leading Edge 57 Custom Care Two 65 *SellingLTC.com

14. INTRODUCING The Improved Simplicity

15. Here Comes Simplicityii VT ND NH WA MN MT ME Simplicityii available WI SD ID OR WY MI NY MA IA NE PA OH RI IL IN CT NV UT CO MO WV KS NJ DE KY VA CA* MD NC TN OK AR AZ NM SC MS AL GA LA TX AK FL HI Simplicityiiproduct pending approval *CareDirections Simplicity product available in CA

16. Cash Benefit Account • Cash Benefit Account (face amount) $100,000, $200,000, $300,000, $500,000 and $1 million • Easy to Explain • Builds with Inflation Option • No Durations, No Complicated Formula!

17. Monthly Cash Benefit • The amount that will be paid in a single month. • Pre-Paid, no proof required • Specific Monthly Cash Benefit options for each Cash Benefit Account chosen at the time of application. • Use for HHC or FC • “Rightsized” based on industry experience

18. Monthly Cash Benefit

19. Enhanced Facility Benefit • Option increases Monthly Cash Benefit for Facility Care • 33% increase in benefit for 10% premium increase • Available on all Cash Benefit Accounts

20. New Rate Classes • Preferred – 10% Discount • Standard

21. Discounts Care Partner Discount* • 20% Savings if One Purchases • 40% Savings if Both Purchase and are Accepted * Varies by State

22. Discounts • 10% Preferred Health Discount • 10% Affiliation or Employer Program Discount

23. Inflation Options • None • 5% Simple • 5% Compound 2X Max • 5% Compound No Max • 3% Compound No Max (Partnership Ready)

24. Elimination Periods • Calendar Day Vs. Service Day • 30, 60,90 or 180 Calendar Days

25. MedAmerica’s National HHC Cost Data • Conducted by CareScout exclusively for MedAmerica • A Major Software Enhancement • Turn the Sale Around and approach clients with what they desire – REMAIN at HOME

26. Simplicityii Rate/Proposal Software Program

32. Available in a pdf. to download from our software.

33. How to Design Simplicityii For Maximum Value

34. Simplicityii Value DesignNo Contest

35. Simplicityii Value DesignNo Contest

36. Good Things to Know

37. Good Things to Know Higher Cash Benefit Accounts Price point advantage with: • 3% Compound No Max • 5% Compound 2x

38. Easy to sell, easy to use Multi-Life Programs

39. Why Multi-Life • Fastest growing segment of the LTCI Market • Call on one to sell many vs. many to sell one • Work during the business day on “your hours”

40. Why Multi-Life • Turn an emotional sale into a logical Business to Business sale • Utilize tax advantages to your advantage • Two Multi- Life Opportunities: Affiliation and Employer Program

41. Association Constitution and/or By Laws Member Based vs. Customer Based Minimum of 5 members in Association Minimum 1 member purchasing coverage Employer Minimum 1 employee purchasing coverage Minimum 5 employees in Group What is an Affiliation?

42. Affiliation Program • Discounts: 10% All Eligibles • Preferred Health -10% • Care Partner Premium Reduction: 40% if both; 20% if one • No Discount cap • No limits on Plan Design • No defined open enrollment period • Minimum participation: 1 Note: Discounts may vary by state

43. Employer Program • Simplified Underwriting: During open enrollment • Actively-at-work employees • Actively-at-work spouses (30+hours/week) • Age 71 or younger • Website Enrollment – a MedAmerica 1st • Increase Commissions

44. Employer Program • Special Care Partner rates, plus 10% discount • Minimum participation: 10 EE’s pass 4 questions • Best World-wide Coverage (100%)

45. Twice as Simple to Sell • Everybody Understands & Needs CASH! • New Face Amount Concept • Targeted to Baby Boomers - Relevant Today • Speed App – 4 Questions! • Robust Multi-Life Program - Enhanced Employer Program

46. Welcome to MedAmerica’s Agent Web Site Everything you need in one, simple source S2-6048-A

47. Contracted Agent LoginClick first button

48. Contracted Agent LoginUse your existing Username and Password to login

49. First Time Users

50. Agent Home Page • Simple navigation • Button link to Credit for Cash