WELCOME Preferred Marketing Associates LIFESECURE Cori Mooberry - Multi-life Sales Manager: Kristie Main - Regional Sales Consultant:

About LifeSecure Founded in 2006 Wholly owned subsidiary of BCBS Michigan – the biggest of the “blues” and is an A- A M Best rated Offering long term care insurance (LTCi) and other supplemental health insurance products Licensed in 46 states + District of Columbia (DC) 1

Map of Life Secure availability states 2

LTC Insurance Plan Design Simple & Easy to Understand: Choose a Benefit Bank Any amount between $100,000 and $1,000,000 Up to $750,000 each for shared plans Choose a Monthly Benefit 1%, 2% or 3% of Benefit Bank Benefit BankAccess LimitMonthly Benefit $300,0001%$3,000 x = 1% = 8.3 Years, 2% = 4.2 Years, & 3% = 2.8 Years 3,000 x 12 = 36,000 | 300,000 / 36,000 = 8.3

Standard Features Issue Age 18 – 79 Lifetime & Limited 10-pay option Flexible Benefit Guaranteed Future Purchase Offers 90-day Benefit Wait Period (calendar days) International Coverage Benefit Waiver of Premium Care Advisor Services Spouse Discount 30% GFPO: After 3 years – $300,000 x 15% = 45,000 New Benefit Bank Amount: $345,000 After Another 3 Years – $345,000 x 15% = 51,750 New Benefit Bank Amount: $396,750

Benefit Wait Periods How other companies work: Require that you actually receive LTC Services for 90 actual days. Example: If you were to receive services 3 days a week, it would take 30 weeks to meet you benefit wait period. How LifeSecure works: You do not need to provide proof of receiving paid services in order to satisfy your Benefit Wait Period. Your Benefit Wait Period need only be met once during your lifetime. Verified as Chronically Ill: Benefit Wait Period Begins Benefit Wait Period Ends: Start Receiving Benefits Benefit Wait Period Ends: Start Receiving Benefits 0 90 Days

Flexible Benefit Your LTC insurance plan includes a Flexible Benefit, which is designed to provide greater flexibility in the types of care, services and products available to you beyond those defined as covered expenses. With the Flexible Benefit up to 50% of the unused Monthly Benefit will be available to you, based on your Plan of Care for: Care provided by family members – even immediate family members living in the same household, including your spouse Care provided by friends, neighbors or other informal support networks Training for an informal caregiver Home modifications, such as a wheelchair ramp or grab bars Care-related products or personal supplies, such as a lift chair or hospital bed Durable medical equipment or other home medical technology Both formal (licensed) care and informal care are allowed in your home during the same month

LifeSecure Allows Informal and Licensed HHC Simultaneously in the Same Month!!! Flexible Benefit:

Optional Riders Compound Inflation Benefit (3% or 5%) Shared Care Money-Back Promise Non-forfeiture Benefit Optional riders are available for an additional premium. There is only a 3% load when adding Shared Care with a 1% monthly access limit.

Shared Care Rider 10 This rider gives couples the ability to share benefits in the event that one spouse uses his/her entire Benefit Bank. If your spouse exhausts his/her Benefit Bank, he/she may begin drawing from yours – leaving at least 12 x the Monthly Benefit for you.* To be eligible for Shared Care, both individuals must have identical coverage selections. The Initial Benefit Bank Amount may not exceed $750,000 † per spouse when selecting this rider. Upon death, any remaining Benefit Bank from the deceased’s policy will transfer to the surviving spouse(if applicable), and his/her premium amount will decrease by the cost of the rider. Rider Cost: 1% Monthly Benefit = 3% additional cost 2% Monthly Benefit = 13% additional cost 3% Monthly Benefit = 20% additional cost † Note for employees or members of multi-life offerings: full underwriting is required for certain Benefit Bank amounts.

How Much Will It Cost? Monthly Premiums are for illustrative purposes only and may vary based on available discounts and type of rate class. Premiums shown are for the preferred rate class for a married female with spouse/partner applying and issued. Long term care insurance is individually underwritten. Each applicant may or may not be approved for coverage based upon current and/or past health conditions. Sample Premiums Budget Point Pricing – What can you afford per month?

$1,000,000 Benefit Bank Premiums Single Male Age 40 Non-Smoker Single Male Age 50 Non-Smoker Single Male Age 60 Non-Smoker Benefit Bank Amount$1,000,000 Monthly Access Limit1% (8.3 Years) Monthly Benefit$10,000 Monthly Premium$146.67$200.56$ Rate ClassStandard Benefit Wait Period90 Calendar Days Other Benefits IncludedGuaranteed Future Purchase Offers (GFPO) x 12 = 1, x 12 = 2, x 12 = 3, There isn’t an additional factor for paying premiums monthly. When quoting on Stratecision choose monthly for all carriers. Other carriers charge a factor for monthly (about.09)

Long Term Care Insurance Solutions for the Worksite LifeSecure is a trademark of LifeSecure Insurance Company, Citation Drive, Suite 300, Brighton, MI Our long term care insurance product is individually underwritten by LifeSecure Insurance Company and may require an in-home assessment. Availability of benefits, amounts, options and discounts may vary by state. Only the insurance policy can give actual coverage amounts, terms, conditions, limitations and exclusions. Refer also to the Outline of Coverage. Premiums may increase. There is a 65 day grace period for premium payments. This is an insurance solicitation and sales presentation. An agent may contact you. LifeSecure Insurance Company - Brighton, MI For Agent Use Only. Not for Solicitation Purposes.

Why Offer LTC Insurance Long Term Care is no longer an ancillary product Benefit to help employees protect their savings and retirement Help employees and their families with caregiving Attract new talent and retain key employees Potential tax advantages for the employer and policyholders IV.1

Multi-Life LTC Not “Group” Insurance All policies are individually owned with multi-life rates Premium discounts available Employer Contribution Discount – available with Employee Solutions Spouse Discount Individual policy (portable) Potential tax deductions for employer paid premium contributions Additional family members may be eligible for coverage IV.3

Simplified Issue Underwriting For qualifying multi-life cases only Allows employees to apply for coverage with fewer health questions Only available one time during an initial enrollment period – typically between days May be extended to new hires Spouses may also be eligible for Simplified Issue Underwriting in certain situations. IV.4

Ways to Participate Employer Contribution: Defined Plan Design Defined Dollar Amount Defined Percentage Voluntary – Employee pays all Combination of Employer Contribution and Voluntary: i.e. Executive Carve out and Voluntary offering to Rank and File IV.4

LifeSecure OM II LTC Multi-life Programs * Eligible Employees: W-2 Employees, K-1 Business Owners and/or Board Members ** If the group does not meet the participation requirements by the end of the enrollment period, applicants who submitted simplified issue applications must undergo full underwriting. LifeSecure will contact each applicant to schedule a telephone interview to complete Sections 5 & 6 of the multi-life application (in CA: Sections F, G and H). *** A submitted application means either: 1) a fully electronic application using one of the e-signature methods; or 2) a paper application with wet signatures which has been data entered into the Agent Portal and faxed. When applicable, actively-at-work documentation must also be faxed or uploaded. † In segment, employee must be receiving employer contribution in order for the spouse to qualify for Simplified Issue. 18

Claims Process Eligibility for benefits Inability to perform 2 of 6 Activities of Daily Living* or diagnosis of a severe cognitive impairment * bathing, dressing, transferring, toileting, continence, eating (the need for assistance could be caused by injury, accident, illness, surgery, or simply old age) Chronic Condition expected to last at least 90 days Plan of care prescribed by a licensed health care practitioner Payment of benefits Benefits payable following a single lifetime 90 calendar day Benefit Wait Period 8

Expect More Personal LifeSecure Web Portal Stay informed and connected, whenever it’s convenient! Care Provider directory, search tools, and discounts Planning tools for caregivers LifeSecure Care Advisor Services Independent third party RN or social worker specializing in LTC working for you Support, educate, and advocate for you 9 These services are provided at no additional cost and are available from day one – not just at time of claim. Use of services also extends to family members.

LifeSecure Regional Sales Contacts 21

Thank You Cori Mooberry LifeSecure Insurance Company – Brighton, MI Questions?