Carrier Spotlight Weekly Sales & Product Training Wednesday, April 12, 2017

Dickerson Individual Market Product Portfolio New Products Being Added Weekly!

FAQ About Supplemental Benefits Q: Why do I need supplemental insurance if I already have medical insurance? A: Medical insurance is very important but it is only part of the protection you need. You also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill financial gaps. Q: How is supplemental insurance different than medical insurance? A: When you are injured or sick, your medical insurance pays your doctors and hospitals; supplemental insurance is designed to pay you. The cash benefit you receive from your supplemental insurance plan can be used for anything you choose, including expenses health insurance won’t pay for, such as deductibles, offsetting a loss of income during your hospital stay, family travel expenses, or to help with everyday living expenses. Q: How do I receive the money? A: If you have a covered accident or illness, you file a claim with the insurance company.  Once the claim is reviewed and approved, a benefit check will be mailed directly to you. Q: What can I use the money for? A: You can use the money however you choose. It’s your money, your decision.

CLICO Portfolio of Supplemental & Life Insurance Products: *American Journal of Medicine, August 2009

CLICO Products Available in California Coverage Product Accident Lump-Sum Accident Direct Cancer CancerWise Critical Illness Critical Illness Direct Dental Dental PPO Hospital Confinement Hospital Confinement Direct Fixed Indemnity Fixed Indemnity Direct GAP Metal Gap Vision Premiere Vision Simplified Issue Term Life Convertible Term Life Medical Discounts, ID Theft Protection, Medical Assistance GetWell

CLICO Products Available in California Senior Products (65+) Guaranteed Issue Products Dental PPO Premiere Vision Fixed Indemnity Final Expense Accident Direct $10,000 Critical Illness Dental & Vision $250/Day Hospital Confinement

62% 78% Critical Illness Direct Did You Know? Up to $100,000 Lump-Sum Cash Benefit can be used for: 62% 78% Deductibles, Copays & Coinsurance Rent/Mortgage Car Payments Child Care Everyday Living Expenses of bankruptcies in 2007 were due to illness of those filers had Health insurance* *American Journal of Medicine, August 2009

Critical Illness Direct

Accident Direct Did You Know? Up to $25,000 Lump-Sum Cash Benefit can be used for: Deductibles, Copays & Coinsurance Rent/Mortgage Car Payments Child Care Everyday Living Expenses 1 in 8 persons seek medical attention from an injury each year* *National Safety Council, Injury Facts, 2014

Accident Direct

200K+ Dental PPO Insurance Did You Know? Every $1 in preventive oral care can save $8-$50 in restorative and emergency treatments?* Extensive Careington Maximum Care Network with over 200,000 providers nationwide *American Dental Hygienist Association, www.adha.org

Dental PPO Insurance

Dental PPO Insurance

Dental PPO Insurance

Premiere Vision Did You Know? EyeMed Vision Care ”Select” Network includes: LensCrafters Sears Optical Target Optical JCPenney Optical Pearle Vision 3 in 4 Americans need some type of corrective lens* *www.StatisticBrain.com/corrective-lens-statistics

Premiere Vision

Annual Eye Exam (estimated) Vision Benefits Annual Eye Exam (estimated) $80 Lenses $110 Frames/Contacts ANNUAL BENEFITS $300 ANNUAL PREMIUM $108 SAVINGS $192

Hospital Confinement Direct Did You Know? $10k Daily Cash Benefits Can Be Used For: Deductibles, Copays and Coinsurance Rent/Mortgage Car Payments Child Care Everyday Living Expenses Nearly $10,000 was the average cost of a hospital stay in 2010* *1 The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H.

Hospital Confinement Direct

62% 78% CancerWise Did You Know? Up to $50,000 Lump-Sum Cash Benefit can be used for: 62% 78% Deductibles, Copays & Coinsurance Rent/Mortgage Car Payments Child Care Everyday Living Expenses of bankruptcies in 2007 were due to illness of those filers had Health insurance* *American Journal of Medicine, August 2009

CancerWise

Metal Gap Did You Know? 43% of those with private insurance said their deductible was either difficult or Impossible to afford.* *InsuranceNewsNet Magazine, March 2015 issue. Magazine source: The Commonwealth Fund

Metal Gap

Fixed Indemnity Direct Did You Know? Cash Benefits Can Be Used For: Medical expenses Prescription drugs Loss of income Rent/mortgage payments Car payments Everyday expenses Fixed Indemnity Direct offers cash benefits without worrying about having to meet a deductible. This money can be used to pay unexpected medical costs or everyday living expenses. *InsuranceNewsNet Magazine, March 2015 issue. Magazine source: The Commonwealth Fund

Fixed Indemnity Direct

Fixed Indemnity Direct

Simplified Issue Term Life 20 Year Term $25,000 - $200,000 for all issue ages No medical exams or fluids ADB Rider Waiver of Premium Rider Critical Illness Living Benefit Rider pays up to $100,000 of the death benefit (not available in CA) Ages 25 - 55 10 Year Term Ages 25 - 65 Includes Terminal Illness Accelerated Benefit Rider -- 50% of benefit with life expectancy of 12 months or less

Final Expense Face to Face Sales Only | No medical exam or fluids Death Benefit Ages 45 - 80: $3,000 - $35,000 Ages 81 - 85: $2,000 - $35,000 Level Benefit Ages 45 - 85 Immediate full death benefit Includes terminal illness rider

Graded Benefit Ages 50-85 Non-Accidental Death: Year 1 30% of death benefit Year 2 70% of death benefit Year 3+ 100% of death benefit Optional Accidental Death Benefit Rider Double death benefit due to an accident Triple death benefit if accident occurs as a fare-paying passenger

How To Quote & Apply One Application and Draft: Get Contracted with CLICO Quoting & Back Office Link - within 7 – 10 days One Application and Draft: Chesapeake Life Insurance Company Separate Application & Draft: GenRe Accident Direct Term Life CancerWise Final Expense Critical Illness Direct Dental & Senior Dental PPO Fixed Indemnity Direct Hospital Confinement Direct Metal Gap Premiere & Senior Premiere Vision Sample Quoting Link: www.CLICOQuote.com Brochures & More Info: www.SurebridgeInsurance.com

Critical Illness & Accident Insurance Join us for next Wednesday’s Webinar!

Upcoming Webinars & Events Date Format Topic 4/19 Webinar Critical Illness & Accident Insurance 4/26 Event 2017 Sales Training Bootcamp 5/03 Life Insurance & Final Expense 5/10 Cross-Selling Supplemental Benefits 5/17 Medicare

Don’t Miss It!

Here Are the Next Steps: We’re Here to Help! Here Are the Next Steps: Get Contracted with CLICO Touch base with your clients and offer dental & vision Include Accident & Critical Illness with every quote Register for 2017 Sales Training Bootcamp & Webinars Call me for help! Luis Sanchez Direct: 323-243-7854 | Office: 800-457-6116 Email: luis@dickerson-group.com

Join us for our next event on April 19 Thank You Join us for our next event on April 19