Twice as Simple to Sell

1. Introducing Twice as Simple to Sell S2-6046 For Agent Use Only

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

3. Provides Maximum Flexibility for Funding Care “Care Choice” not “Managed Care” Best Option for the Future Pre-Paid Monthly Cash Benefit No Proof of Service or Receipts! Simply Ask For a Check! The Simplicity Concept Why Cash?

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

5. Simplicity Stands Tall among the Competition Highest Rated Product91 • Prudential Cash 78 • Allianz Generation Protector 65 • MetLife Ideal 2 73 • John Hancock Leading Edge 59 • Custom Care Two 66

6. The Improved Simplicity INTRODUCING

7. True Consumer Value Enables a Simpler Sales Process Bring back “Lost” Producers Attract “New” Producers/Entities Quality & Value Why Simplicityii

8. True Consumer Value Cash = Maximum Flexibility 100% Benefits Paid – Guaranteed!! CareDirections Family Advice & Advocacy Programsm Sell Value Why Simplicityii

9. When: First Introduction Date : April 2, 2007 AK, AL, CO, CT, IA, ID, MI, ND, OK, SC, SD, WY and DC/DC TRUST  NJ Second Introduction Date: May 1, 2007 AZ, GA, IN, KY, LA, ME, NE, NH, NM, NY,OH, PA Third Introduction Date: June 1, 2007 AR, DE, IL, KS, NV, VA, WI, WV Simplicity cease sale 60 days after Simplicityii roll-out Here Comes Simplicityii

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

11. 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 What the Customer Wants Monthly Cash Benefit

12. The Simplicity Monthly CASH Benefit Options

13. “Buying LTC insurance isn’t as complicated and mind-boggling as I thought! It’s so easy to make a decision and know what coverage I’ll have! My premium represents good value.”

14. The Simplicity Improvements Simplicity Simplicityii Duration Cash Benefit Account $100K, 200K, 300K, 500K, 1M 2, 3, 4, 5, 7, L Payment Lifetime 10 Pay Pd up @ 65 Reduced @ 65 Reduced @ 70 Lifetime 10 Pay Pd up @ 65 HHC Options Home Health Care Benefit plus optional enhanced Facility Care 60%, 80%,100% MMB $12K Community or Facility $12K Monthly Cash Benefit (HC/FC)$16K Enhanced Facility Benefit Inflation None 5% Simple 5% Compound - 2X Max 5% Compound - No Max None 5% Simple 5% Compound - 2X Max 5% Compound - No Max 3% Compound - No Max

15. The Simplicity Improvements Simplicity Simplicityii Value Added Programs ~ Care Scout ~ Script Save Not Included Included Exclusions None Act of war Subrogation Clause Not Included Included Available to age 71 for $100K and $200K plans Simplified Application Not Available APS & FTF Required > age 75 > age 72 Discounts Cap No Cap Rate Classes 3 2 Actively at work Spouses have “Simplified Underwriting” Employer Program Spouses are fully underwritten

16. Option increases Monthly Cash Benefit for Facility Care 33% increase in benefit for 10% premium increase Available on all Cash Benefit Accounts Turn The Sale Around Enhanced Facility Benefit

17. Preferred – 10% Discount Standard Previous Class Three Conditions are Now Considered Under Standard Class NEW Underwriting Enhancement New Rate Classes

18. *Care Partner Discount: 20% Savings if One Purchases 40% Savings if Both Purchase and are Accepted PLUS 10% Preferred Health Discount PLUS 10% Affiliation or Employer Program Discount The Simplicity Improvements (NO CAP) Discounts * Varies by State

19. None 5% Simple 5% Compound 2X Max 5% Compound No Max 3% Compound No Max (Partnership Ready) The Simplicity Improvements (New Option) Inflation Options

20. NEW SOFTWARE TOOL NEW!MedAmerica’s National Cost Survey on Home Care Provides The Agent with the Basis for “Right-Sized” Benefit Design

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

22. 1,800 home health care providers were surveyed across 79 geographic regions of the U.S. Data collected on: Hourly, private pay rates charged by licensed agencies for home health aide. Data on homemaker services was also collected (only private pay rates were used, no Medicare or Medicaid rates were used.) Minimum, maximum and average hourly rates studied Providing the Agent with New Tools Cost of Care Study

23. Findings consistent with other studies including LifePlans analysis of formal and informal care giving in the community. National average for a Home Health Aide was $19.07 (50% above or below) “People using non-medical home care services use between 22 & 44 hours of home care per week” ($22-$44K annual) Providing the Agent with New Tools “Cost of Care” Key Findings

24. The Simplicity Advantage Guaranteed Cash - “All Wheel Drive” for the changing terrain of LTC service delivery. Pay for Emerging Technology Any Service Covered even if provided by by Spouse or Non-Licensed Provider 100% Worldwide Benefits Agent is not put in the Position to Explain Why Expenses are not Covered

25. The Simplicity Advantage Individualized Care Services and Support • “Care choice,” not “managed care” • CareDirections Family Advice & Advocacy ProgramSM – CareScout, ScriptSave • Personal Care Advisors - Independent care plan and support

26. How to Design Simplicity ii The Simplicity Advantage For Maximum Value

27. Simplicity ii Value Design # 1

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30. Simplicity ii Value Design # 4

31. Simplicity ii VALUE Good Things to Know

32. Simplicity ii VALUE Good Things to Know

33. 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 Join the National Growth in EP Sales Employer Program

34. Special Care Partner rates, plus 10% discount Minimum participation: 10 EE’s pass 4 questions Best World-wide Coverage (100%) Join the National Growth in EP Sales Employer Program

35. Everybody Understands & Needs CASH! New Face Amount Concept Targeted to Baby Boomers - Relevant Today MedAmerica’s National HHC Cost Data – NEW! Speed App – 4 Questions! NEW! Partnership Ready NEW! Robust Multi-Life Program - Enchanced Employer Program Why Sell #1 LTC Product Twice as Simple to Sell

36. Tools to Sell #1 LTC Product Simplicity ii Launch Kit

37. Twice as Simple to Sell