© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Guarantee Issue 101 For producer training. Not for use with consumers. Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York.

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Guarantee Issue is individual disability income insurance offered to employees at the workplace It is available at substantial premium discounts with no medical underwriting, limited financial underwriting What is Guarantee Issue?

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Research the company The more you know, the better prepared you will be to offer a benefits solution Research the candidate company

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Provide competitive benefits? Increase employee retention? Offer special incentives to key employees? Assist employees in gaining access to benefits they could not get themselves? Provide better protection to highly compensated employees? What are the company’s benefit goals?

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY In a competitive job market, employers who can offer excellent benefits are more likely to keep valuable employees and attract new ones. Employee Retention

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY do not currently offer Guarantee Issue offer disability insurance through a Group Long Term Disability (LTD) plan only currently offer plans in which a number of employees are reaching their Group LTD benefit ceiling continued Look for employers who

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY currently offer Group LTD plans that face significant rate increases due to plan design wish to enrich their existing benefits program have employees earning significant bonuses, commissions or other uninsured income Look for employers who

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Types of Guarantee Issue Disability Income Insurance Mandatory or Noncontributory Coverage

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Mandatory Guarantee Issue IDI is paid for in whole by the employer is part of an employee benefits package cannot be accepted or declined by employees has terms of coverage which have been preselected by the employer Mandatory GI

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 30% off gender-neutral rates for groups of 100 lives or less 35% off gender-neutral rates for groups of more than 100 lives All occupations are eligible except some medical professions.* Riders are selectable at the case level Can cover incentive and bonus income *Please see The Protector Series Reference Product Guide, form 9251REF SI/SNY, for the most up-to-date information.form 9251REF SI/SNY Protector Platinum GI Mandatory

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 20% premium discount off gender- neutral rates Minimum 5 lives and 100% participation All occupations are eligible, except some medical professions * Most riders are available Coverage can include incentive and bonus income * Please see The Protector Series Reference Product Guide form 9251REF SI/SNY, for the most up-to-date information. form 9251REF SI/SNY Protector+ GI Mandatory

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Types of Guarantee Issue disability income insurance Voluntary Or Contributory Coverage

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 15% off gender-neutral rates if participation meets the goal for the eligible group 20% off gender-neutral rates if participation exceeds the goal for the eligible group All occupations are eligible except some medical professions * Riders are available Coverage can include incentive and bonus income Benefits are proportionately taxable to employee contribution * Please see The Protector Series Reference Product Guide form 9251REF SI/SNY, for the most up-to-date information.form 9251REF SI/SNY Protector Platinum GI Voluntary

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 15% premium discount off gender- neutral rates Minimum 30% participation or 15 issued lives All occupations are eligible, except some medical professions* Riders are available Can cover incentive and bonus income *Please see The Protector Series Reference Product Guide, form 9251REF, for the most up-to- date information.form 9251REF Protector+ GI Voluntary

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Value to Employers

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Add value to the employer’s total benefit portfolio Provide higher income replacement and greater increases in total benefits, than LTD alone Offer the option to lock in rates Creates fully portable coverage employees can take with them in the event they change their employer Guarantee Issue Plans From The Standard

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Guarantee Issue Case Examples

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 190 employees Currently offers a Group LTD plan covering 60% of pretax base salaries to a $15,000 monthly maximum benefit. Would like to provide additional benefits to 21 key employees whose incomes cap out the LTD plan and who are not insured at the full 60% of income. Best Accounting

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 60% Mandatory Guarantee Issue plan with a monthly benefit up to $7,500 added to the LTD plan With Mandatory Guarantee Issue from The Standard added to their existing LTD plan, the Best firm can provide additional IDI benefits at higher benefit amounts than LTD alone, and cover incentive income. Best Accounting Solution

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Family-owned business with 90 employees. Existing group LTD plan replaces 60% of pretax salary and has a maximum $3,000 monthly benefit Allows worksite marketing Impressions Print Shop

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY A perfect candidate for Voluntary guarantee issue IDI in addition to existing LTD. Enhances protection for employees while keepings costs down for the employer. Impressions Print Shop

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Voluntary Guarantee Issue plan, with 75% income replacement to $4,000 a month, in addition to group LTD. In a competitive marketplace where benefit portfolios are often a highly prized part of a compensation package, this coverage fits perfectly. Impressions Print Shop Solution

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 25 employees Existing group LTD plan replaces 60% of pretax salary and has a maximum $10,000 monthly benefit on base salary only. The owners wish to help employees with additional coverage since all of the employees have significant uninsured income under the existing LTD plan Smart Consultants

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY 65% Mandatory Guarantee Issue plan with monthly benefit up to $6,000 added to existing group LTD plan. Coverage is portable if employees leave the firm. By providing good disability income benefits to its entire staff, the business will retain employees and attract new ones. Smart Consultants Solution

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY Guarantee Issue disability income insurance from The Standard addresses an important employer need while giving you the opportunity to significantly boost your bottom line. Contact your sales partner at The Standard when you believe you have a good GI Guarantee Issue IDI plans from The Standard

© 2010 Standard Insurance Company Guarantee Issue PPT (Rev 5/14) SI/SNY The Standard is a marketing name for StanCorp Financial Group, Inc. and its subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N.Y. Product features and availability vary by state and company and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Guarantee Issue PPT (Rev 7/13) SI/SNY Policy Forms B152GI, B170GI