Note to Producer: The following presentation is intended to be given by those financial professionals who have a life insurance license. Producers are ultimately responsible for the use or implementation of this material and should be aware of the compliance requirements of any applicable broker-dealer or Registered Investment Adviser with which they may be affiliated, the insurance carriers they represent, federal regulations and state insurance regulations. It must at all times be made clear to consumers that absent the appropriate licensing and credentials, the financial professional does not and is not providing tax or legal advice. Please keep in mind that no amount of experience as a financial professional or designation qualifies a producer/advisor to provide legal, tax or investment advice if not appropriately licensed. Consumers should always be encouraged to consult with qualified professionals before making any decisions about their personal situation. Please understand that this material has been complied to applicable regulatory standards as interpreted in good faith by Advisors Excel, LLC. Any deviation from the material as provided may render the content non-compliant by applicable regulatory standards. Advisors Excel, LLC shall not be held responsible for any deviation from the material as provided and you are solely responsible for any consequences of deviation from the material. Further, you are solely responsible for maintenance of compliance standards as required by applicable state and federal law and pursuant to your contractual agreement with Advisors Excel, LLC. Material provided by Advisors Excel, LLC

Protecting Your Retirement INSERT LOGO Protecting Your Retirement Life Insurance with Long-Term Care Rider Benefits [Producer Name], Insurance Professional [and Investment Adviser Representative] [Company Name]["and Insurance Services" (required in CA)] [Phone Number] [Email] [Website] [State Insurance License #XXXXXX (required in AR, CA)] [Investment Advisory Disclosure] 844397

Disclosures Throughout the presentation, we may generally discuss different financial vehicles; however, nothing I say should be construed as a recommendation to buy or sell any financial vehicle, nor should it be used to make decisions today about your current retirement income strategy. I am a licensed insurance producer [and an Investment Adviser Representative of [Registered Investment Adviser Name]], and my goal with this presentation is to expose you to ideas and financial vehicles that may help you work towards your financial goals. Please understand that I cannot make any promises or guarantees that you will accomplish such goals. This presentation is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market or recommend any tax plan or arrangement. If properly structured, proceeds from a life insurance policy are generally income tax-free to the beneficiary. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Life insurance is subject to health underwriting, and in some cases, financial underwriting. Life insurance is not bank or FDIC insured. Life insurance agents do not give legal or tax advice. Clients should consult a tax professional to discuss the impact on their unique situation. Despite efforts to be accurate and current, this presentation may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this presentation. At the end of the seminar, you will be provided an opportunity to visit with us one-on-one to discuss your specific circumstance in a private, comfortable setting. At this visit you may be provided with information regarding the purchase of insurance products [or investment products[, or establishing an advisory relationship]]. Read slide: Do not gloss over these. Make sure you cover each of them in sufficient detail to ensure prospect understanding.

Know Your Risks What are your beliefs about Long-Term Care (LTC)? Do you think you will need it? If so, how much do you think you will need? How long do you think you will need it?

What are the Odds? Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services in their remaining years¹. Even if you are currently healthy, exercise regularly, and take care of yourself, recent data suggests you may still have a need for long-term care services sometime during your lifetime. 1LongTermCare.gov. U.S. Department of Health and Human Services. “How Much Care Will You Need?” https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html. Accessed April 4, 2019

The Family Factor 63% of caregivers paying for care with their own savings/retirement funds 70% of caregivers missed time from work 41% of caregivers experienced feelings like depression and resentment The financial impact of long term care is only one of the many components to address when planning. The effect that it can have on families should be carefully considered as well. Read Slide. Genworth. “Beyond Dollars 2018.” https://mma.prnewswire.com/media/784202/Genworth_Beyond_Dollars_ Study_2018_Executive_Summary.pdf?p=pdf. Accessed April 11, 2019.

Rising Costs of Long Term Care 81% Increase ¹ Genworth Cost of Care Survey 2018. https://www.genworth.com/aging-and-you/finances/cost-of-care.html Accessed April 4, 2019.

The Financial Impact You have worked hard to accumulate your retirement assets. What will those assets look like if you or your spouse need long-term care for several years?

Long-Term Care Insurance What is Your Strategy? Self Insuring Long-Term Care Insurance Medicare/Medicaid For more information regarding Medicare and Medicaid, please visit www.Medicare.gov or www.Medicaid.gov. Our firm is not affiliated with the U.S. government or any governmental agency. With median costs increasing year after year, it is important to investigate the various methods of paying for long-term care. Generally, people think; there are four basic ways to pay for LTC: Medicare, Medicaid, private LTC insurance, and self-insuring. SELF INSURING: If you are in a position to handle 2-3 years of LTC services with your own cash reserves, then that is fantastic. If you are not, or if you would prefer to deploy your assets elsewhere, there are other options you should explore. MEDICARE AND MEDICAID: Generally, Medicare is the federal program that provides hospital and medical insurance to people age 65 or older and to certain ill or disabled persons. Benefits may be available for home health care but only if certain conditions are met. For example, Medicare may pay for 100% of care for 20 days, but days 21-100 would require a co-payment. Many seniors have Medicare supplement insurance to help cover the co-payment. Generally, Medicaid (called Medi-Cal in California) pays for certain health services for low income individuals and limited resources. There are limits placed on the amount of assets that you may own and the amount of income you may receive each month before you are eligible for benefits. Those amounts can vary from state to state. There are also restrictions on transferring assets to others in order to quality for Medicaid. LONG TERM CARE INSURANCE: LTC insurance helps pay for you care and protects your assets by paying for covered expenses up to the amounts set forth in your policy. Depending upon the type of policy you choose and your plan of care, this insurance can pay for a wide variety of home, community-based, and facility care services and can offer care options that may not be covered through government programs. It is important to consider whether premium payments are guaranteed for the life of your policy, and if you are able to receive any benefits out of the policy, what happens if you never need to file a claim. Some of the potential drawbacks of traditional LTC are a recent history of premium increases and the “use or lose it” quality of some policies. If the policy does not include a death benefit and you never need LTC services, the premiums you paid in over the years are retained by the insurance company. This is no different than your car insurance and is not a reason to rule out the option of owning an LTC policy.

There may be another Option Life Insurance with Long-Term Care Benefits If you need LTC: Optional rider provides access to policy values (up to a stated maximum amount) that can be used to help pay LTC-related expenses1 If you pass away: An income tax-free death benefit for your beneficiaries2 1Actual rider benefit amount will vary according to the rules and restrictions of the specific life insurance product selected and will reduce the ultimate death benefit and cash value. These benefits are NOT a replacement for Long Term Care Insurance and are subject to eligibility requirements. Riders may require an additional fee; riders and/or insurance products may not be available in all states. 2If properly structured, proceeds from life insurance are generally income tax- free to the beneficiary.

The Life Insurance Strategy at Work Beneficiaries receive the full death benefit, income tax-free1 Premium is paid into a life insurance policy with an LTC rider Policy owner receives a tax-free acceleration of the death benefit to help pay LTC expenses3 Insured qualifies for LTC rider benefits2 Beneficiaries receive any remaining death benefit, income tax-free4 1If properly structured, proceeds from life insurance are generally income tax free to the beneficiary. 2In most cases, a licensed physician must deem the insured incapable of performing at least 2 out of 6 activities of daily living. 3An acceleration of the policy death benefit is generally income tax-free as defined in IRS Section 7702BB(b). 4Accelerated benefits will reduce the ultimate death benefit and cash value. Riders may require an additional fee; riders and/or life insurance products may not be available in all states.