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“surviving a critical illness”

“surviving a critical illness”. Times have changed…. Early detection Prevention Medical Advances Have increased the odds of surviving a critical illness . The facts . 1 in 2 will be diagnosed with cancer during their lifetime 1 Every 40 seconds someone in the U.S. has a stroke. 2

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“surviving a critical illness”

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  1. “survivinga critical illness”

  2. Times have changed… Early detection Prevention Medical Advances Have increased the odds of surviving a critical illness

  3. The facts 1 in 2 will be diagnosed with cancer during their lifetime1 Every 40 seconds someone in the U.S. has a stroke.2 In 2010, 785,000 Americans had a new coronary attack (470,000 hada recurrent attack)3 1United States Cancer Statistics (USCS). Centers for Disease Control and Prevention site, 2011 Cancer of All Sites - SEER Stat Fact Sheet. 2011 2Stroke Facts. Centers for Disease Control and Prevention 2011. 3Roger V, Go, A, Lloyd-Jones, D, et al. Heart disease and stroke statistics—2011 update. American Heart Association Statistics Committee and Stroke Statistics Subcommittee.

  4. The facts A working person has a five times greater chance of developing a critical illness than dying before retirement.1 1 in 2 will be diagnosed with cancer during their lifetime1 Every 40 seconds someone in the U.S. has a stroke.2 In 2010, 785,000 Americans had a new coronary attack (470,000 hada recurrent attack)3 1United States Cancer Statistics (USCS). Centers for Disease Control and Prevention site, 2011 Cancer of All Sites - SEER Stat Fact Sheet. 2011 2Stroke Facts. Centers for Disease Control and Prevention 2011. 3Roger V, Go, A, Lloyd-Jones, D, et al. Heart disease and stroke statistics—2011 update. American Heart Association Statistics Committee and Stroke Statistics Subcommittee.

  5. The Risk increases as we age American Association of Critical Illness website, Resource Area, October, 2012

  6. The good news Survival odds are high • 86% of heart attack patients survive • 90+% for first attacks1 • 80% of stroke patients survive • 35% with no or minor impairments.1 • 60% to 90% for kidney failure2 • 50-90% for major organ transplants3 1 “Why do I need critical illness insurance?”.essentialbenefits.ca. Essential Benefits. Feb. 2011 2“Acute Kidney Failure” Merck Manuals Online Medical Library. 16 Feb. 2011 3“Organ Transplantation”. FAQs.org. Health. Web 16 Feb. 2011.

  7. Survival brings expenses Especially if it leads to a recuperating stay in an Assisted Living FacilityorNursing Home! Survival brings additional expenses along with the emotional stress… • Co-payments, deductibles and excess medical costs • Transportation and lodging • Lost wages and work interruptions All add to the out-of-pocket costs 1United States Cancer Statistics (USCS). Centers for Disease Control and Prevention site, 2011 Cancer of All Sites - SEER Stat Fact Sheet. 2011

  8. medical expenses MAY cause problems for some Would it affect your nest egg? • Over 60% of bankruptciesare linked to medical expenses1 • Almost 80% had health insurance!1 • In 2008, 50% of foreclosures were due to debt from medical causes2 1 The American Association of Critical Illness Insurance, www.AACII.org, 2009 Report 2 Robertson, Egelhof & Hoke. “Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures”. August 2008. Web. Oct. 2011.

  9. then - there’s Alzheimer's Living too long may affect your nest egg • 1 in 8 Americans over the age of 65 have Alzheimer’s disease • Almost 50% over age 85 have the disease • 5.4 million Americans are living with Alzheimer’s disease • By 2050, 16 million will have the disease Alzheimer’s Association Fact Sheet, March 12 2012

  10. Help when you need help!GTL* critical care*Guarantee Trust Life insurance company Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  11. Benefits are not available in all states. Underwritten by Guarantee Trust Life Critical care by gtl:pays cash! • CASH benefits may be used for any purpose • Replace lost income • Pay someone to care for you (including family!) • Assisted Living Facility or Nursing Home costs • Travel and lodging • Mortgage and debt payments No restrictions on how you decide to use it Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  12. Benefits are not available in all states. Underwritten by Guarantee Trust Life critical care by GTL:benefit Increase Included *Benefit increase not available in all states Cash benefit can help pay Long Term Care Expenses During a benefit period, if you reside • At home or in a facility: You receive 100% of the Monthly base benefit • Assisted Living Facility: You receive 50%additional * • Nursing Home:You receive 100% additional * See the policy for complete details on coverage. This is not a complete explanation of coverage.

  13. Benefits are not available in all states. Underwritten by Guarantee Trust Life critical care by GTL:Stands apart from the rest A uniqueCritical Illness Policy • Covers Alzheimer’s Disease • Increased ALF and NH benefits • Restoration of Benefits • No reduction in coverageas you age See the policy for complete details on coverage. This is not a complete explanation of coverage.

  14. Design your plan with 3 easy steps Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  15. Benefits are not available in all states. Underwritten by Guarantee Trust Life 1) Choose Your Plan Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  16. Benefits are not available in all states. Underwritten by Guarantee Trust Life 2) Choose your Monthly base Benefit Could pay up to $6,000 a month if confined in a Nursing Home! • Options: $500 - $3,000 per month • in $250 increments • Base Benefit is increased • 50% when in an Assisted Living Facility • 100% when in a Nursing Home Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  17. Benefits are not available in all states. Underwritten by Guarantee Trust Life 3) choose your Benefit Period Receive benefits for your covered Benefit Period even if you Recover or Die! • Benefit Period is the length of time you receive benefits for a covered condition • Options: 6, 12, 18 or 24 months • Limited benefit period applies to certain conditions • Diagnosis qualifies for full benefit period* *There is an initial, one time, 30 day waiting period after the policy is issued in most states

  18. Benefits are not available in all states. Underwritten by Guarantee Trust Life RESTORATION OF BENEFITS Restoration of Benefits is built into the policy! Benefit Period is restored for most conditions 12 months after benefit payments end until you reach your Lifetime Maximum Benefit Formula: Monthly Benefit x Benefit Period x 3 Example: $3,000 a Month, 24 month plan $6,000 Full Monthly Benefit w/Nursing Home x 24 Benefit Period x 3Lifetime Benefit Multiplier $432,000 Maximum Lifetime Benefit Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  19. Benefits are not available in all states. Underwritten by Guarantee Trust Life Covered conditions & coverage Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  20. Benefits are not available in all states. Underwritten by Guarantee Trust Life how it works Any combination for the FULL 24 months You chose a $3,000 Monthly Base Benefit with a 24 Month Benefit Period… Your monthly benefit will be based on where you recuperate: Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  21. Benefits are not available in all states. Underwritten by Guarantee Trust Life An Example of how it works Bob buys a 24 month Critical Care policy with a base benefit of $3,000 a month. Six months after his policy is delivered, Bob suffers a stroke. He spends six months in a Nursing home, then moves home to finish his rehabilitation which takes another six months. Three years later, Bob has another stroke. He spends eight months in the nursing home before he passes away. Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  22. Benefits are not available in all states. Underwritten by Guarantee Trust Life Let’s see what his policy would pay First stroke:Bob spent six months in a Nursing homePolicy pays $6,000 a month $36,000 He spent six more months recovering at homePolicy pays $3,000 a month $18,000 Even if recovered, Bob receives benefits for full 24 monthsPolicy pays $3,000 a month $36,000 Second Stroke:Bob spent eight months in a nursing homePolicy pays $6,000 a month $48,000 Bob’s family receives balance in a lump sum payment Policy pays $3,000 for remaining 16 months $48,000 Total Policy Benefits: $186,000 Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  23. Benefits are not available in all states. Underwritten by Guarantee Trust Life Optional – Return of Premium rider Optional Benefit Will refund the premiums you paid, less any benefits the company paid, if you die before the first policy anniversary following your 80th birthday Example: You pay $100 a month premiums starting at age 60 At age 70 you die without using the policy With Return of Premium, the policy will pay $12,000 to your beneficiary Benefits are only paid for covered conditions. See the policy for complete details on coverage.

  24. Let’s Design a planfor you

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