Disability Income Choice Portfolio

1. Disability Income Choice Portfolio That Works for Me For producer use only.

2. Disability Income Choice Portfolio Why Sell Our Products?

3. Product Design • Portfolio of products fits almost any DI sales scenario • Flexible benefit options to tailor coverage to your clients’ needs • Single application for all products, including BOE

4. Product • Choice of 4 product offerings: • Short-Term Accident Only • Short-Term Accident/Sickness • Long-Term Accident/Sickness • Business Operating Expense • One application for all products

5. Disability Income Choice Portfolio Which One Works for Your Client?

6. DI Choice Sales – Top 30 Occs

7. Short-Term Accident ORShort-Term Accident & Sickness • Target Market: • Ages 25-55 • Blue/Gray Collar • Household Income: $15,000-$75,000 • Self-employed • Families

8. Who Buys Short Term DI? • Client “maxed out” on Long-term DI • Premium sensitive prospect • Prospect who doesn’t want to self fund 90 days • Applicant declined for traditional DI (for STA) • Seamless protection- dove tail with group LTD or DI

9. Short-Term Accident ORShort-Term Accident & Sickness • Issue Ages: 18-61 • Elimination Periods: 14, 30, 60 or 90 days • Benefit Periods: 3, 6, 12 or 24 months • Maximum Monthly Benefit Amount: $5,000

10. Long-Term Accident and Sickness • Target Market: • Ages 35 – 55 • White Collar/Professional • Household income: $50,000+ • Mature Families

11. Long-Term Accident & Sickness • Issue Ages: 18 – 61 • Elimination Periods: 60, 90, 180 or 365 days • Benefit Periods: 2, 5, 10 years and to age 67 • Maximum Monthly Benefit Amount: $10,000 ($12,000 if SIS rider is added)

12. Long-Term Accident & Sickness • Renewability • Guaranteed renewable to age 67 • May continue to age 75 if Insured is working full-time • Conditional Renewable from 67-75 Preferential Rates • 15% Discount* • Association Group • Self-employed • No comp offset *may vary by state

13. Mutual of Omaha DI Choice • Multiple coverage’s allowed on a single individual • Example: Long-Term Accident/Sickness (90-Day Elimination Period/5-Year Benefit Period) + • Short-Term Accident Only (14-Day Elimination Period/3-Month Benefit Period) • This is a great alternative for clients who may want a shorter elimination period for accidents than for sickness.

14. Product Summary Item#M26117_0208

15. Disability Income Choice Portfolio Policy Base Benefits

16. Total Disability Benefits • During and after elimination period, due to an injury that is not covered by workers compensation, Insured is: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care STAO x STAS LTAS Short-term Accident Only Short-term Accident & Sickness Long-term Accident & Sickness

17. Total Disability Benefits • During and after elimination period, due to an injury or sickness that is not covered by workers compensation, Insuredis: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care STAO x STAS LTAS

18. Total Disability Benefits • During the elimination period and during the first 24 months following the elimination period, due to injury or sickness, the Insured is: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care • After the first 24 months following the elimination period, due to sickness or injury, the Insured is: • Unable to perform duties of any occupation because of education, training or experience • Receiving regular medical care STAO STAS x LTAS

19. Partial Disability Benefit • If an injury that is not covered by workers compensation prevents the Insured from performing duties of regular occupation for more than 50 percent of the time, the Insured must: • Be receiving regular medical care x STAO STAS LTAS

20. Partial Disability Benefit • If an injury or sickness that is not covered by workers compensation prevents the Insured from performing duties of regular occupation for more than 50 percent of the time, the Insured must: • Be receiving regular medical care x STAO STAS LTAS

21. Proportionate Disability Benefit • During the elimination period and during first 24 months following the elimination period, due to injury or sickness, the Insured must: • Be unable to perform duties of regular occupation • Have a loss of monthly income at least 20 percent of prior monthly income • Be receiving regular medical care • After the first 24 months following the elimination period, due to sickness or injury, the Insured must: • Be unable to perform duties of any occupation because of education, training or experience • Have a loss of monthly income at least 20 percent of prior monthly income • Be receiving regular medical care x STAO STAS LTAS

22. Survivor Benefit & Waiver of Premium Survivor Benefit • Pays beneficiaries lump sum equal to three times total disability monthly benefit Waiver of Premium • Waives premiums on policy and riders • Insured must be disabled for 90 days • Refunds any premiums paid during 90-day period x x x STAO STAS LTAS

23. Recurrent Disability • If a related disability occurs within six months of return to full-time employment, or if an unrelated disability occurs within 30 days of return to full-time employment: • It is considered to be a recurrent disability. • A new elimination period will not need to be satisfied • The same benefit period will continue x x x STAO STAS LTAS

24. Presumptive Total Disability • The Insured is presumed to be totally and permanently disabled if: • An injury results in complete and irrecoverable loss of: • Hearing, speech, sight, or use of both hands, both feet or one hand and one foot • Total disability benefits paid for full length of benefit period • Elimination period will be waived x STAO STAS LTAS

25. Presumptive Total Disability • The Insured is presumed to be totally and permanently disabled if: • Injury or sickness results in complete and irrecoverable loss of: • Hearing, speech, sight, or use of both hands, both feet or one hand and one foot • Total disability benefits paid for full length of benefit period • Elimination period will be waived x x STAO STAS LTAS

26. Terminal Illness Benefit • The Insured has the option to accelerate up to 12 months of disability benefits when diagnosed with a terminal illness • The policy terminates after this benefit is paid x x STAO STAS LTAS

27. Disability Income Choice Portfolio Optional Riders (all riders available at issue only)

28. Social Insurance Supplement Benefits Rider Additional monthly benefit that offsets dollar-for –dollar with other forms of social insurance, such as Social Security Disability Income (SSDI) or Workers Compensation x STAO STAS LTAS

29. Future Insurability Option Rider • Issue ages: 18-51 • Insured can buy up base coverage as his or her income increases, regardless of changes in health status • Maximum increase = 2X base benefit, but base benefit may not exceed $10,000 • Rider premium decreases upon exercise of benefit • Can be exercised once a year • Can buy up an additional 25% of original base each time x STAO STAS LTAS

30. Extended Own Occupation Disability Definition Amendment Rider Extends the Insured’s own occupation disability protection past two years, to the duration of the benefit period. x STAO STAS LTAS

31. Extended Proportionate Disability Benefits Rider Extends the maximum period for which proportionate disability benefits are payable past 24 months, to the duration of the benefit period. x STAO STAS LTAS

32. Cost of Living Adjustment Rider • Increases the Insured’s monthly benefit while disabled, so his or her benefits are not degraded by inflation. • Monthly benefit will increase annually by the lesser of the percentage change in the CPI-U, or 5%. x STAO STAS LTAS

33. Hospital Confinement IndemnityBenefits Riders • Pays up to $500 DRB for each day the Insured is confined to a hospital due to an injury(sickness) • 2 X DRB for ICU confinement • No waiting period for accident only version/one day wait for accident/sickness version • Benefits payable even if not disabled • No additional underwriting x x STAO STAS LTAS

34. Critical Illness Benefits Rider • When diagnosed with certain specific diseases, the insured will be paid a lump sum of: • $5,000 • $10,000 • $15,000 or • $25,000 • The insured does not have to be disabled to get this benefit x x STAO STAS LTAS

35. Critical Illness Conditions • Alzheimer’s Disease • Blindness • Deafness • Heart Attack • Life-Threatening Cancer • Major Organ Transplant • Paralysis • Renal Failure • Stroke x x STAO STAS LTAS

36. Return of Premium Rider • Two options • 50% of premium returned every 10 years OR • 80% of premium returned every 10 years Not available: CT, MD, NH, NJ, NY, RI, TN, WA

37. Disability Income Choice Portfolio Business Operating Expense

38. Business Operating Expense (BOE) • Target Market: • Small Business Owners • Self-Employed • White Collar • Professional • Average Salary: $35,000+

39. Product Brochures

40. Highlight Sheets

41. Prospecting Letters

42. DI Self-mailer

43. Consumer Need Brochure

44. STAS Rate Guide

45. Other Niches • www.disabilityincomechoice.com FREE CE • Approved in NY • ROP • Association Discounts 10-15% (NAFE & NASB) • Labor Unions • Pilots, chiropractors, truckers, farmer/rancher, marine pilots, home based workers, self employed (no financials) • Underwriting- no reinsurance; sleep apnea, colitis, fibromyalgia, diabetes, build, M/N • Possible full benefit period and most riders • High non med limits

46. Association Business • NAFE- National Association of Female Executives • $29/yr membership fee • Men or women can join • 15% off DI • 10% of LTC* • No comp reduction on DI *5% in 2009

47. Association Business • NASB- National Association of Small Businesses • $79/yr membership fee • 15% off DI • Additional 10% benefit at claim time • 10% off LTC* • No comp reduction on DI *5% in 2009

48. Association Business • Chambers of Commerce • Labor Unions • Same Occupation organizations • Non Health Care groups • http://infotrac.galegroup.com/itweb/omah46468 • Password “omaha” • Search by location or occupations

49. Coming Soon- To a Plus Group Office near you • Black Collar DI- coverage for typically uninsurable occupations, e.g. Sanitation worker, prison guard • Multi-life- GSI for middle income/ rank and file and blue/gray collar occupations.

50. Disability Income Choice Portfolio Questions? Contact your Plus Group office today by calling 800-831-1018 or check out our website at www. Plusgroupus.com