For producer use only. Not for use with consumers. This presentation is not for use in California. The Power of Choice An Introduction to The Protector+ SM

For producer use only. Not for use with consumers. This presentation is not for use in California. Crossroads – An ability to choose direction Which way will you go? Which option will you choose?

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “PRESUMPTIVE TOTAL DISABILITY – Your total and permanent loss, because of Your Injury or Sickness, of one of the following: 1.Speech; 2.Hearing in both ears, not restorable by hearing aids; 3.Sight in both eyes (see below); 4.Use of both hands; 5.Use of both feet; or 6.Use of one hand and one foot. Total and permanent loss of sight in both eyes means that both eyes must measure at or below 20/200, after reasonable efforts are made to correct their vision, using the most advanced medically acceptable procedures and devices available.” The Protector Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “PRESUMPTIVE TOTAL DISABILITY – Your total and permanent loss, because of Your Injury or Sickness, of one of the following: 1.Speech; 2.Hearing in both ears, not restorable by hearing aids; 3.Sight in both eyes (see below); 4.Use of both hands; 5.Use of both feet; or 6.Use of one hand and one foot. Total and permanent loss of sight in both eyes means: Both eyes must measure at or below 20/200, after reasonable efforts are made to correct their vision, using the most advanced medically acceptable procedures and devices available.” The Protector+ Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “TOTAL DISABILITY/TOTALLY DISABLED – Because of Your Injury or Sickness: 1.You are unable to perform the substantial and material duties of Your Regular Occupation; and 2.You are not engaged in any other gainful occupation; and 3.You are under the regular care of a Physician appropriate for Your Injury or Sickness. This Physician’s care requirement will be waived when We receive written proof, satisfactory to Us, that further care would be of no benefit to You.” The Protector Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “TOTAL DISABILITY/TOTALLY DISABLED – Because of Your Injury or Sickness: 1.You are unable to perform the substantial and material duties of Your Regular Occupation; and 2.You are not engaged in any other gainful occupation; and 3.You are under the regular care of a Physician appropriate for Your Injury or Sickness. This Physician’s care requirement will be waived when We receive written proof, satisfactory to Us, that further care would be of no benefit to You.” The Protector+ Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “RESIDUAL DISABILITY/RESIDUALLY DISABLED – Residual Disability means You are not Totally Disabled, but because of Your Injury or Sickness: 1.Your Monthly Earnings are reduced by 20% or more of Your Indexed Prior Monthly Earnings; and 2.You are under the regular care of a Physician appropriate for Your Injury or Sickness; and 3.You are able: a.To do some, but not all, of the substantial and material duties of Your Regular Occupation; or b.To do all of the substantial and material duties of Your Regular Occupation, but not for as long a time or as effectively as You did immediately prior to Your Injury or Sickness.” The Protector Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has stayed the same? “RESIDUAL DISABILITY/RESIDUALLY DISABLED – Residual Disability means You are not Totally Disabled, but because of Your Injury or Sickness: 1.Your Monthly Earnings are reduced by 20% or more of Your Indexed Prior Monthly Earnings; and 2.You are under the regular care of a Physician appropriate for Your Injury or Sickness; and 3.You are able: a.To do some, but not all, of the substantial and material duties of Your Regular Occupation; or b.To do all of the substantial and material duties of Your Regular Occupation, but not for as long a time or as effectively as You did immediately prior to Your Injury or Sickness.” The Protector+ Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has improved? “REHABILITATION BENEFIT – While receiving the Benefit For Total Disability, You may join a vocational rehabilitation program. We will continue to pay the Benefit For Total Disability while: 1.You actively participate in a rehabilitation program approved by Us; and 2.You continue to be Totally Disabled. While You participate in a program under this section, We will pay the Benefit For Total Disability for the lesser of: 1.36 months; or 2.The number of months remaining in the Maximum Benefit Period. If We approve the program, We will also pay any reasonable costs for the program not covered by any other plans, policies or programs.” The Protector Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. “REHABILITATION BENEFIT – While Disability Benefits are being paid, either You or We may propose a Rehabilitation Program. If the Program is approved by Us and accepted by You, We will pay a Rehabilitation Benefit. This benefit will pay: 1.The reasonable costs of a Rehabilitation Program not otherwise covered by any other plan, policy or program; and 2.The difference, if any, between: a. The benefit You would be eligible for if You were Totally Disabled; and b. The Disability Benefit for which You are eligible; for up to 36 months according to the terms of the Program. In no case will We pay any Rehabilitation Benefit beyond the end of the Maximum Benefit Period. Payment of this benefit will be in addition to any other payment that may be due under the policy.” Base Policy – What has improved? The Protector+ Policy Definition

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Base Policy – What has changed? Regular Occupation –definition expanded to include what happens when insureds retire during their working years Exclusion for Self-Inflicted Injury –previously fell under the definition of injury –now included in the exclusion list

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. What about? Guaranteed Renewable Chassis: three year rate guarantee Residual rider for all occupation classes: no prior total disability required Waiver of premium, transplant, cosmetic surgery benefit, survivor benefit: built in FPO pool at $5,000 Same

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Optional Riders – What has changed? Noncancelable Policy Rider (Noncan) –expanded to include occupation classes A and B Residual Disability Rider (Residual) –lump sum recovery period expanded from four to six months Indexed Cost of Living Rider (ICOL) –choice between 3% or 6% –both percentages have a “catch up” provision –ability to purchase benefits at recovery

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Optional Riders – What has changed? Own Occupation Benefit Rider (Own Occ) –Mental Disorder/Substance Abuse limitation tied to the purchase of this rider Mental Disorder/Substance Abuse Limitation –no longer part of the base policy –only added with purchase of Own Occ rider or at underwriting discretion

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. New Riders Catastrophic Disability Benefit Rider (Cat) –catastrophic benefits paid in addition to maximum monthly disability income benefits, triggered by inability to do two of six activities of daily living (ADL) or severe cognitive impairment ADLs include: bathing, continence, dressing, eating, toileting and transferring (moving into and out of a bed, chair or wheelchair) –maximum limits, the lesser of $8,000, or 3x the basic monthly benefit, or the sum of Cat and all DI (group and individual) cannot exceed 100% earned income

For producer use only. Not for use with consumers. This presentation is not for use in California. Additional Features Your client has the choice of coverage from one carrier

For producer use only. Not for use with consumers. This presentation is not for use in California. How?

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Which to choose? Noncan Own Occ with two-year Mental Disorder/Substance Abuse Limitation ICOL – 3% Guaranteed Renewable Base definition for Total Disability without two year limitation for Mental Disorder/Substance Abuse ICOL – 6% OR The Power of Choice OR OR

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. New Occupation Classes for Physicians 4P 3P in addition to previous occ classes: 5A 4A 3A 2A A B Issue Limits $15,000 issue $20,000 participation with group $10,000 issue $15,000 participation with group and individual $15,000 $10,000 $8,000

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. How are discounts applied? 10% for Associations (now Gender Neutral) 10% for Multi-Life (three or more lives) 15% for Voluntary Guaranteed Standard Issue (VGSI) 20% for Mandatory Guaranteed Standard Issue (MGSI)

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California Protector Premium Rates by Occupation Class – A Baseline Representation * 5A4A3A2AAB * This is a hypothetical depiction only and does not reflect actual revenues

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California Protector – Baseline vs. Market Perception * 5A4A3A2AAB * This is a hypothetical depiction only and does not reflect actual revenues

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. 5A4A3A2AAB 2000 Protector Baseline vs. Market Perception vs Protector+ Premium Rates * 4P 3P * This is a hypothetical depiction only and does not reflect actual revenues

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $946/$859$1,587/$1,305$2,347/$1,680

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Age 35Age 45Age 55 4A $1,021/$1,137$1,722/$1,780$2,559/$2,320 Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,021/$1,369$1,722/$2,141$2,559/$2,676

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,150/$1,223$1,988/$1,963$3,009/$2,662

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,150/$1,596$1,988/$2,564$3,009/$3,349

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $946/$859$1,587/$1,305$2,347/$1,680 no own occ $745$1,093$1,463

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,021/$1,137$1,722/$1,780$2,559/$2,320 no own occ $984$1,489$2,018

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,021/$1,369$1,722/$2,141$2,559/$2,676 no own occ $1,184$1,790$2,328

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,150/$1,223$1,988/$1,963$3,009/$2,662 no own occ $1,058$1,641$2,315

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,150/$1,596$1,988/$2,564$3,009/$3,349 no own occ $1,379$2,142$2,911

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 2A $1,806/$1,710$2,936/$2,583$4,119/$3,416

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 A $2,174/$2,401$3,407/$3,381$4,935/$4,442

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 5-year BP noncan, residual Age 35Age 45Age 55 B$1,583/$1,676$2,442/$2,415$5,498/$3,977

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $946/$859$1,587/$1,305$2,347/$1,680 no own occ $745$1,093$1,463 no noncan $515$708$930

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,021/$1,137$1,722/$1,780$2,559/$2,320 no own occ $984$1,489$2,018 no noncan $673$954$1,272

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,021/$1,369$1,722/$2,141$2,559/$2,676 no own occ $1,184$1,790$2,328 no noncan $806$1,144$1,465

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,150/$1,223$1,988/$1,963$3,009/$2,662 no own occ $1,058$1,641$2,315 no noncan $720$1,049$1,451

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,150/$1,596$1,988/$2,564$3,009/$3,349 no own occ $1,319$2,142$2,911 no noncan $934$1,364$1,820

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 2A $1,806/$1,710$2,936/$2,583$4,119/$3,416 no noncan $1,155$1,642$2,134

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 A $2,174/$2,401$3,407/$3,381$4,935/$4,442 no noncan $1,617$2,145$2,769

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Male $3,000 base 90 5-year BP noncan, residual Age 35Age 45Age 55 B$1,583/$1,676$2,442/$2,415$5,498/$3,977 no noncan $1,132$1,536$2,481

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $1,510/$1,447$2,188/$1,993$2,719/$2,354

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,656/$1,981$2,392/$2,772$2,972/$3,273

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,656/$2,538$2,392/$3,430$2,972/$3,840

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,906/$2,275$2,793/$3,211$3,510/$3,836

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,906/$2,963$2,793/$4,006$3,510/$4,540

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $1,510/$1,447$2,188/$1,993$2,719/$2,354 no own occ $1,220$1,636$2,021

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,656/$1,981$2,392/$2,772$2,972/$3,273 no own occ $1,669$2,272$2,808

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,656/$2,538$2,392/$3,430$2,972/$3,840 no own occ $2,135$2,811$3,293

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,906/$2,275$2,793/$3,211$3,510/$4,836 no own occ $1,915$2,631$3,290

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,906/$2,963$2,793/$4,006$3,510/$4,540 no own occ $2,492$3,281$3,893

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 2A $2,699/$2,375$3,704/$3,149$4,427/$3,498

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 A $2,918/$3,996$4,074/$4,576$5,141/$4,298

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 5-year BP noncan, residual Age 35Age 45Age 55 B $2,091/$2,305$2,912/$3,067$5,820/$3,913

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $1,510/$1,447$2,188/$1,993$2,719/$2,354 no own occ $1,220$1,636$2,021 no noncan $787$1,029$1,268

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,656/$1,981$2,392/$2,772$2,972/$3,273 no own occ $1,669$2,272$2,808 no noncan $1,067$1,420$1,749

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,656/$2,538$2,392/$3,430$2,972/$3,840 no own occ $2,135$2,811$3,293 no noncan $1,361$1,753$2,048

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,906/$2,275$2,793/$3,211$3,510/$3,836 no own occ $1,915$2,631$3,290 no noncan $1,217$1,637$2,037

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,906/$2,963$2,793/$4,006$3,510/$4,540 no own occ $2,492$3,281$3,893 no noncan $1,579$2,038$2,408

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 2A $2,699/$2,375$3,704/$3,149$4,427/$3,498 no noncan $1,505$1,956$2,165

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 A $2,918/$3,996$4,074/$4,576$5,141/$4,298 no noncan $2,523$2,836$2,657

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 5-year BP noncan, residual Age 35Age 45Age 55 B $2,091/$2,305$2,912/$3,067$5,820/$3,913 no noncan $1,461$1,906$2,420

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 5A $1,510/$1,447$2,188/$1,993$2,719/$2,354 no own occ $1,220$1,636$2,021 no noncan $787$1,029$1,268 GN 10%$844$1,281$1,638 15%$802$1,222$1,606 20%$757$1,152$1,514

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4A $1,656/$1,981$2,392/$2,772$2,972/$3,273 no own occ $1,669$2,272$2,808 no noncan $1,067$1,420$1,749 GN 10%$1,116$1,748$2,261 15%$1,061$1,666$2,217 20%$1,001$1,570$2,089

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 4P $1,656/$2,538$2,392/$3,430$2,972/$3,840 no own occ $2,135$2,811$3,293 no noncan $1,361$1,753$2,048 GN 10%$1,344$2,102$2,608

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3A $1,906/$2,275$2,793/$3,211$3,510/$3,836 no own occ $1,915$2,631$3,290 no noncan $1,217$1,637$2,037 GN 10%$1,200$1,927$2,594 15%$1,140$1,837$2,543 20%$1,076$1,731$2,396

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, own occ, residual Age 35Age 45Age 55 3P $1,906/$2,963$2,793/$4,006$3,510/$4,540 no own occ $2,492$3,281$3,893 no noncan $1,579$2,038$2,408 GN 10%$1,566$2,517$3,264

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 2A $2,699/$2,375$3,704/$3,149$4,427/$3,498 no noncan $1,505$1,956$2,165 GN 10%$1,668$2,453$3,097 15%$1,583$2,337$3,034 20%$1,493$2,202$2,858

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 66/67 noncan, residual Age 35Age 45Age 55 A $2,918/$3,996$4,074/$4,576$5,141/$4,298 no noncan $2,523$2,836$2,657 GN 10%$2,340$3,303$3,970 15%$2,221$3,146$3,889 20%$2,093$2,963$3,663

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Premiums: Protector vs. Protector+ Female $3,000 base 90 5-year BP noncan, residual Age 35Age 45Age 55 B $2,091/$2,305$2,912/$3,067$5,820/$3,913 no noncan $1,461$1,906$2,420 GN 10%$1,634$2,321$3,569 15%$1,552$2,212$3,496 20%$1,463$2,084$3,293

© StanCorp Financial Group, Inc (8/05) For producer use only. Not for use with consumers. This presentation is not for use in California. Commission changes Transition rules

For producer use only. Not for use with consumers. This presentation is not for use in California. Help Protect Your Client’s Future with the Power of Choice The Protector+ SM