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COMPLETE DISABILITY PRODUCT PORTFOLIO

COMPLETE DISABILITY PRODUCT PORTFOLIO. Individual Coverage True “Own Occupation” Definition Business Overhead Expense Buy-Sell. Mortgage Protection Retirement Completion Catastrophic Benefit. Blue Collar High Limit Impaired Risk. The Three Areas of Disability Underwriting. Occupation

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COMPLETE DISABILITY PRODUCT PORTFOLIO

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  1. COMPLETE DISABILITY PRODUCT PORTFOLIO

  2. Individual Coverage • True “Own Occupation” Definition • Business Overhead Expense • Buy-Sell

  3. Mortgage Protection • Retirement Completion • Catastrophic Benefit

  4. Blue Collar • High Limit • Impaired Risk

  5. The Three Areas of Disability Underwriting • Occupation • Compensation • Medical History

  6. Government Employees • Police and Firemen • Armed Forces

  7. Home Based Business • Newly Self-Employed • Young Professional Limits

  8. Recovery Benefit • Qualified Sick Pay • Return of Premium

  9. Group Supplement/Conversion

  10. GROUP PLAN LIMITATIONS

  11. The Areas of Disability Benefit • 1. TOTALLY DISABLED AND NOT WORKING: (Cannot perform material and substantial duties of YOUR job) (75% OR MORE OF INCOME LOST*) INDIVIDUAL: 100% OF MONTHLY BENEFIT (APPROX. 60% OF INCOME*) GROUP LTD: 100% OF MONTHLY BENEFIT (APPROX. 60% OF INCOME*)

  12. The Areas of Disability Benefit • 2. PARTIALLY DISABLED*, BACK TO WORK IN SAME JOB (*20% LOSS OF INCOME) INDIVIDUAL: % OF LOST INCOME x MONTHLY BENEFIT GROUP LTD: % OF LOST INCOME x MONTHLY BENEFIT

  13. The Areas of Disability Benefit • 3. TOTALLY DISABLED: (Cannot perform material and substantial duties of YOUR job) CAN WORK AT A NEW JOB: INDIVIDUAL: a. 100% OF MONTHLY BENEFIT* b. % OF LOST INCOME x MONTHLY BENEFIT GROUP LTD: 0

  14. Executive Carve Out • Multi –Life Discount • Spousal Discount

  15. Work Site Marketing Plans • Association Programs • GSI/Simplified Underwriting

  16. Simplified Underwriting Maximum Benefit Amount: $2,500/month Maximum Issue Age: 50 Occupation Classes All; 3A & above preferred Elimination Periods: All; 90 days & above preferred

  17. Simplified Underwriting Benefit Periods All (2 years, 5 years, To Age 65) Your Occupation Periods All (2 years, 5 years, To Age 65) Sex Distinct Rates (except in MT)

  18. Simplified Underwriting Riders Available • Automatic Increase Option/Automatic Benefit Increase* • Catastrophic Disability Benefit (1 to 1 ratio maximum CDB/Base + SIS) • Mental/Nervous Substance Abuse Disorder Limitation— only in states required** • Residual or Short Term Residual Disability Benefit

  19. Simplified Underwriting Discounts Available • MNSA — 10% - To Age 65 benefit period; 5% - 2 or 5 year benefit period — only in states required • Select Occupation — 10% Payment Methods Electronic Funds Transfer (EFT) only

  20. Simplified Underwriting General Underwriting Requirements Simplified DI application packet required. Tele App required. No routine medical requirements (blood, urine, exams, EKG ‘s or APS s) required* * *

  21. 1.800.945.9719

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