TeleApplications Producer Overview For producer use only. Not for use with consumers.

TeleApp is an accelerated application process for individual disability insurance (IDI) in which employment, income and medical information is collected during a telephone interview with your client. TeleApp is available in all states and for all occupations. The TeleApp telephone interviews are conducted by a third-party vendor, LifePlans.* * LifePlans is an independent vendor and not affiliated with or motherwise a part of The Standard What is TeleApp? PPT (2/16) SI/SNY

Available with applications for: Protector Platinum SM Protector Essential SM Protector+ SM Business Overhead Protector SM Business Equity Protector SM Can be scheduled by you at point of sale, or by your MGA or The Standard TeleApp is required for Simplified Underwriting * Product availability varies by state. TeleApp Features PPT (2/16) SI/SNY

The first step is to locate the state- specific application. (The state of application is the state in which your client lives and/or works.) You can find applications at Click on Find Applications & Forms and then New Business Forms. How to Initiate the TeleApp Process PPT (2/16) SI/SNY

Each state has two application choices: the full application and the TeleApp application. Download the TeleApp version. The TeleApp version includes the same supplements and compliance forms found in the full application, but contains fewer questions for you to ask. How to Initiate the TeleApp Process 5

Each cover page of each TeleApp packet includes a link to TeleApp Instructions for Producers. Be sure to also share Telephone Interview - What to Expect with your customer. These flyers can also be found at under Find Marketing Materials: Telephone Interview - What to Expect,Telephone Interview - What to Expect, form SI/SNY TeleApp Instructions for ProducersTeleApp Instructions for Producers, form SI/SNY TeleApp Details and Resources 6

Prepare your customers by discussing their employment, income and medical history early in the application process. This conversation will help you prepare your customer for the telephone interview, manage expectations about possible offers of coverage, and help streamline the underwriting process. If your conversation reveals issues that may impact the offer of coverage, please contact your Master General Agent or Securian Managing Partner before submitting the application. They may want to discuss the issue with The Standard or make suggestions regarding the coverage types or features for which the customer is applying. TeleApp Details and Resources 7

Each application packet includes a list of topics to guide you through your pre-application discussion with your customers.* * This flyer is also listed separately on the marketing materials listing at under Find Marketing Materials: Discussion Topics For Your Disability Insurance Prospects, form 8486 SI/SNYwww.standard.com/diDiscussion Topics For Your Disability Insurance Prospects, TeleApp Details and Resources 8

Completing the Application 14928PPT (2/16) SI/SNY 9

After reviewing the discussion topics with your customer, if there are no medical, income, employment or other issues to be discussed with the underwriters at The Standard, it is time to complete the application. Completing the Application 10

When using the TeleApp application, only Part 1 needs to be completed with the customer. Instructions guide you and your customer through the application. Completing the Application 11

Get a faster start on the application and underwriting process by using this convenient point-of-sale service to schedule the TeleApp interview. After completing Part 1 of the application and having your client sign Part III and the required authorizations, call The Standard’s dedicated number at LifePlans at to schedule the interview while your customer is still with you (or on the phone). The LifePlans representative will confirm the state of application and ask your client for basic information, providing an overview of what to expect. The 30- to 40-minute interview will be scheduled for a time convenient for your customer. Scheduling the Interview at Point of Sale 12

You may choose not to schedule the TeleApp telephone interview with your customer at the time of completing the application. After completing Part 1 of the application and having your client sign the required authorizations, send the application to your MGA/Managing Partner. They or The Standard’s staff will contact LifePlans to request the telephone interview. Tell your customer to expect a call from LifePlans to schedule a telephone interview appointment and give them an overview of what to expect. Scheduling the Interview at a Later Time 13

On the Producer Information Report for Application for Disability Insurance, check Yes on Question 16. If you scheduled the interview using the point-of-sale service, provide the referral number LifePlans will give you, as well as the date and time of the scheduled interview. Notify The Standard 14

If you start with a full, (non- TeleApp) application, and then decide you would prefer to have LifePlans ask the questions using the TeleApp process, 1.Remove pages 3, 4 and 5. 2.When you have completed the application with your customer, submit it to your Master General Agent or Securian Managing Partner to forward to The Standard. Completing the TeleApp Application 15

The Telephone Interview 14928PPT (2/16) SI/SNY 16

Life Plans will call your customer at the scheduled time. Experienced professionals will talk with your customers. They are skilled in collecting detailed medical information. LifePlans will record the answers to the questions on Part II of The Standard’s Application for Disability Insurance which will become part of the issued policy. At policy delivery, you must review the answers with your customer to confirm that the answers are complete, true and accurate. The Telephone Interview 17

If you have questions about The Standard’s TeleApp, please contact your Master General Agent or Securian Managing Partner for assistance. Thank you for trusting The Standard with your business. Questions? PPT (2/16) SI/SNY