For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. AssurityBalance ® Long-Term Care Insurance For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state.

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. November 10, 2010 CNN Article 2

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. 3

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state.   Assurity Life is the result of the merger of three longtime insurers —the earliest founded in 1890   Headquarters in Lincoln, Nebraska   Other product lines: Disability Income, Critical Illness, Life Insurance & Annuities   Licensed in every state except in New York   Rated A- (Excellent) with stable outlook by A.M. Best About Assurity Life Insurance Company 4

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. 5

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. The Assurity and LifeCare Partnership 6

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Lower Loss Ratios The measure of effective underwriting Lower Premium Rates Made possible with a good risk pool Stable Premiums The end result of a quality risk pool 7

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Helpful Hints Get familiar with your client’s medical history, including all medications taken. Cross reference medical conditions and medications with the Field Underwriting Guide. Pay special attention to height/weight and smoking status – any cigarette use in the last 12 months. Contact us for prescreening assistance. 8

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Cases Not to Submit   Previously declined for LTC Insurance   Clients who are disabled   Insulin-dependent diabetics   Stroke/TIA   Cancer within two years   Co-morbid conditions: – –Diabetes and cardiac condition – –Smoking and heart disease – –Smoking and diabetes – –Obesity and diabetes, heart disease, and/or smoking 9

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Sample Profiles For Rate Classes Preferred   Nonsmoker   Weight no more than 50% above the average on Build Chart   No medical conditions of significance   Working full time   Active   No medications from the lists of uninsurable drugs or drugs not eligible for the Preferred rate. 10

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Select   Smoker   Weight more than 50% above the average on Build Chart   Medical history such as coronary bypass, angioplasty, depression, arthritis, non-insulin controlled diabetes, internal cancer after two years Sample Profiles For Rate Classes 11

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. Standard   Significant conditions (emphysema, ulcerative colitis)   Co-morbid conditions (heart and lung disease, rheumatoid arthritis and fibromyalgia)   Morbid obesity Sample Profiles For Rate Classes 12

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state.Questions? 13 Contact your local Plus Group office for more information. Go to and click on the office locator map to find an office near you or call (800)

For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state. AssurityBalance ® Long-Term Care Insurance For Agent Use Only Policy Form No. AL2100P. Policy availability, rates and features may vary by state.