13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Now Is A Great Time To Protect Your Income With Individual Disability Insurance Presentation for > organization name < This presentation is intended for use with residents and fellows in GME programs. It has 3 customizable slides: 1, 11 OR 12, and 13. Please contact to request 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.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income You have invested significant time and resources to achieve your career goals. If you were to estimate, as of today, do you know how much you might earn by the time you retire? Have pen & paper? It’s a fun exercise and a valuable one. You Have Much To Protect

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Your retirement age Your total estimated earnings until your retirement age $ - Your age now x Your estimated monthly salary x 12 = This figure will likely be substantially larger if you receive annual increases.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Some Of The Threats To Your Financial Security

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Could you manage financially if you were unable to earn an income for this length of time? The Length of Disabilities Is Tending To Increase

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Unexpected Costs Many greatly underestimate how high their medical expenses may become during a long-term disability. There may be many unexpected costs. The diagram at right shows a typical financial picture during disability.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income This example is provided only to show a breakdown of The Standard’s open claims above as of 6/30/2014 without regard to the decision made on each claim. Having the conditions listed does not establish disability. Each claim is evaluated on its own merits and according to the terms of the policy. Disabilities Have Many Causes

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Advantages When You Obtain Income Protection Before You Leave Your GME Program

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Guarantee standard issue policies are issued regardless of: health status age* or gender so you will likely be able to obtain coverage for which you might not otherwise qualify. * Age is considered in determining the premium for each policy The Disability Income Insurance Through Your GME Program Is Available On A Guarantee Standard Issue Basis

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income These policies are discounted 15% off premium rates you cannot obtain on your own. The plan provides for future benefit increases as your income grows, at the same premium discount. Once issued, your premiums will never increase. Your coverage is fully portable under this plan. You can take it with you wherever you practice. In Addition, NOTE: For policies issued in New York: This policy would provide disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio is at lleast 60% for guarantee issue coverage. This ratio is the portion of future premiums which The Standard expects to return as benefits, when averaged over all people with the applicable policy.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Guaranteed Renewable Policy Total Disability Benefit Premium Waiver Benefit Residual Disability Benefit Initial Period Extended Period Presumptive Total Disability Benefit Catastrophic Disability Benefit Rider Each Guarantee Issue Individual Disability Income Insurance Policy For >Name of Organization< Plan Includes: Cosmetic or Transplant Surgery Benefit Noncancelable Policy Rider Own Occupation Rider Future Purchase Option Rider Indexed Cost of Living Rider Renewable for Life Rehabilitation Benefit This slide’s content varies depending on the GME plan. Please contact to request Start w this slide if Protector Platinum, GI or next slide if P+ For GME. Delete this note and slide not used.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income A Guaranteed Renewable Benefit Total Disability Benefit Premium Waiver Benefit Presumptive Total Disability Benefit Renewable for Life Rehabilitation Benefit Catastrophic Disability Benefit Rider Each Guarantee Issue Individual Disability Income Insurance Policy For >Name of Organization< Plan Includes: Cosmetic or Transplant Surgery Benefit Residual Disability Rider Noncancelable Policy Rider Own Occupation Rider Future Purchase Option Rider Indexed Cost of Living Rider This slide’s content varies depending on the GME plan. Please contact to request Start w this slide if P+ For GME or previous slide if Protector Platinum GI. Delete this note and slide not used.

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income Your Insurance Representative’s Contact Information Please contact to request customization. (Include names and contact information and any logos you wish to include on this

13604PPTCUSTOM GME 7/14) SI/SNY Now is a good time to protect your income 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. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. These policies have exclusions and limitations and terms under which the policies may be continued in force or discontinued. Some policy provisions and available riders may vary by state. Optional riders are subject to underwriting and reinsurance availability, and may increase premiums. A medical exam may be required upon application. For complete cost and coverage details, please contact your insurance representative, or The Standard at , ( in New York). B152, B152GI (NY only), B170GI