For Agent Use Only – Not for public distribution LOYAL THE PRODUCT DESIGNED TO HELP PROTECT YOUR CLIENT’S FUTURE!

For Agent Use Only – Not for public distribution Why Think About Critical Illness? Cancer Survival Rates –In analysis of all cancer sites combined, the lifetime probability of developing cancer and surviving was more likely than dying of cancer. 1 1 American Cancer Society, Cancer Basics –

For Agent Use Only – Not for public distribution Why Think About Critical Illness? Heart Health Facts –An estimated 17,600,000 American adults age 20 and older have coronary heart disease. 2 –About every 40 seconds someone has a stroke. On average, every 4 minutes someone dies of a stroke. 3 2 American Heart Association, Heart Disease & Stroke Statistics, 2010 Update, page 32 3 American Heart Association,

For Agent Use Only – Not for public distribution Why The Need? Gone are the days of 100% coverage for clients. ↑Deductibles ↑Cost ↑Co-pays ↑Gaps in Coverage ALL ARE RISING! Gone are the days of sustainable commissions for agents selling health insurance. ↓Commissions ↓Number of Carriers ↓Advances ALL ARE DECREASING! Increase your commissions and help protect your client.

For Agent Use Only – Not for public distribution Why The Need? Typical Scenario: A family member is diagnosed with a Critical Illness in October, and was forced to pay a current calendar year deductible along with ongoing treatment into the next year, which means paying a new deductible. 2010: $2400 Deductible + Coinsurance = could mean $3000+ out-of-pocket 2011: $2700 Deductible + Coinsurance = could mean $3500+ out-of-pocket This means an individual could pay over $5000 in a few short months!

For Agent Use Only – Not for public distribution Why The Need? Life vs. Living Insurance –Medical advances mean more people are surviving cancer, heart disease, and other critical illnesses. MORE TREATMENT OPTIONS = MORE COST –A Critical Illness policy provides a LIVING BENEFIT that can be used to help cover the expenses that medical insurance does not. –Life insurance pays upon death only.

For Agent Use Only – Not for public distribution Why The Need? Possible Uses for a Lump Sum Benefit –Pay off Medical Debt –Experimental Medical Treatments –Extra Recovery Time –Home Health Care –Drug Costs –Unexpected Expenses

For Agent Use Only – Not for public distribution Why The Need? Most medical debtors were well educated, owned homes, and had middle-class occupations. Three quarters had health insurance. 5 4 The American Journal of Medicine – "Medical Bankruptcy in the United States, 2007: Results of a National Study," by David U. Himmelstein, MD Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhander, MD, MPH, Medical Bankruptcy in the United States, 2007: Results of a National Study, The American Journal of Medicine.

For Agent Use Only – Not for public distribution The Solution Provides a Lump Sum Benefit and helps with: –Helping Protect Your Client’s Lifestyle –Closing the Gap of Coverage –Reducing Out-of-Pocket Expense –Providing an Opportunity to Cross Sell with Other Products.

For Agent Use Only – Not for public distribution The Solution Benefit Amounts –Pays a lump sum cash benefit if client is diagnosed with any of 15 critical illnesses listed in the policy. Coverage available from $10,000 to $50,000. –Insured Children will be limited to $10,000 of coverage. –This policy is guaranteed renewable to age 75.

For Agent Use Only – Not for public distribution What Does The Policy Cover? Three Benefit Categories Each of the three categories has a per category maximum benefit (selected at time of application).

For Agent Use Only – Not for public distribution Category One - Cancer Cash benefits equal to 100% of the benefit amount –Cancer ( Diagnosed with a Malignant Neoplasm) –Blood cancers are included such as Leukemia, MDS, Lymphoma, etc. Cash benefits equal to 25% of the benefit amount –Carcinoma in Situ* *We will pay the benefit for Carcinoma in Situ once in an insured person’s lifetime.

For Agent Use Only – Not for public distribution Category Two – Heart/Stroke Conditions Cash benefits equal to 100% of the benefit amount –Heart Attack –Major Organ Transplant (heart or combo transplant including heart) –Stroke Cash benefits equal to 25% of the benefit amount –Coronary Artery Bypass Surgery* –Aortic Surgery* –Heart Valve Replacement/Repair Surgery* Cash benefits equal to 10% of the benefit amount –Angioplasty* *We will pay the benefit for Coronary Artery Bypass Surgery, Angioplasty, Aortic Surgery, Heart Valve Replacement/Repair Surgery once in an insured person’s lifetime.

For Agent Use Only – Not for public distribution Category Three – Other Critical Illness Conditions Cash benefits equal to 100% of the benefit amount –Coma (not a result of stroke) –End Stage Renal Failure –Major Organ Transplant (other than heart) –Paralysis (not a result of stroke) –Blindness –Severe Burns

For Agent Use Only – Not for public distribution How The Benefit Is Paid Paid in a lump sum per category directly to insured. Multiple critical illnesses may be paid within a category as long as the maximum benefit for that category is not exceeded. You are eligible for benefits from another category if the date of diagnosis is 180 days from the previous date of diagnosis for a covered Critical Illness. If you should have two or more Critical Illnesses diagnosed on the same day, Cash Advantage will pay the larger of the Critical Illness benefits for the conditions diagnosed.

For Agent Use Only – Not for public distribution Benefit Example Sam chooses $10,000 benefit for each category. Sam still has a remaining $10,000 benefit amount for Categories One and Three. SAM Two Years Later: Sam undergoes Coronary Artery Bypass Surgery. Policy pays Sam $2,500 (25%) from Category Two: Heart/Stroke Conditions. Seven Months After Surgery: Sam has a Heart Attack. Policy pays Sam $7,500 (75%) from the remaining balance of Category Two: Heart/Stroke Conditions.

For Agent Use Only – Not for public distribution What Riders Can Be Added? Hospital Indemnity Benefit –Daily cash benefit for hospital confinement as an inpatient with maximum of 30 days. –Pays 2 times the amount if in Intensive Care Unit –Daily benefit amounts between $100 - $1000 (in $100 increments) Rider availability varies by state

For Agent Use Only – Not for public distribution What Riders Can Be Added? Accidental Death & Dismemberment Benefit –We will pay a cash benefit for Accidental Death or Dismemberment due to injuries received in a covered accident or within 90 days after the date of the covered accident. Benefit amounts are $25k, $50k, $75k and $100k. Rider availability varies by state

For Agent Use Only – Not for public distribution What Riders Can Be Added? Return of Premium Benefit –Benefit will be paid on the named insured's 75th birthday or after coverage has remained in force for 20 consecutive years. –Benefit is equal to premium paid (based on the rate at issue) less claims paid –Rider terminates when the total amount of claims paid exceeds the amount of this benefit. Rider availability varies by state

For Agent Use Only – Not for public distribution What Riders Can Be Added? Cash Value (LA, ND, TN & TX only) –If policy terminates after the fifth consecutive year with the rider inforce, the benefit payable will be the original premium multiplied by the applicable percentage factor (less any claims paid). –Benefit is equal to premium paid (based on the rate at issue) less claims paid multiplied by the applicable percentage as shown in the Table of Cash Value Percentages within the rider. –Payable only once –Automatically pays out and terminates on 20 th rider anniversary date. Rider availability varies by state

For Agent Use Only – Not for public distribution How To Calculate The Proper Rate? Rates –Coverage Type – Individual, One Parent, or Family –Age Use the Issue Age of the oldest applicant –Gender –Tobacco Use Family applicants must use tobacco rates if one member has used tobacco in the last five years. –Rates include a non-commissionable Annual Policy Fee of $48. –Minimum Premium of $20.00 per application.

For Agent Use Only – Not for public distribution Sample Rate Female Age 45 Non-Tobacco Individual + $20,000 Benefit $27.86 / Monthly Bank Draft or $0.93 / Day Rates are based on age at issue and include a $48 annual policy fee. This policy is guaranteed renewable up to age 75.

For Agent Use Only – Not for public distribution Sample Rate With Rider Female Age 45 Non-Tobacco Individual $20,000 Benefit + $50,000 AD & D Rider Benefit $30.56 / Monthly Bank Draft or $1.02 / Day Rates are based on age at issue and include a $48 annual policy fee. This policy is guaranteed renewable up to age 75.

For Agent Use Only – Not for public distribution Sample Rate With Family Family Age 39 Non-Tobacco +$10,000 Benefit $26.36 / Monthly Bank Draft or $0.88 / Day Rates are based on age at issue and include a $48 annual policy fee. This policy is guaranteed renewable up to age 75. Sally (36 yrs old) and Jason (39 yrs old) and their two children

For Agent Use Only – Not for public distribution How to Prospect and Close Sales? Who? –Ages 18 – 59 –Your Existing Clients –Individuals –One Parent –Families –Group Coverage –Underinsured –Uninsured Review Health Questions with Client This will help determine what coverage you can offer.

For Agent Use Only – Not for public distribution How to Prospect and Close Sales? “Want Fries With That?” We are used to being asked if we want a drink or fries with our order to make it a combo meal. Upselling can mean the difference between making $45,000 and $60,000 annually. Ask your client - “Would you like Critical Illness coverage with that?

For Agent Use Only – Not for public distribution Ways to Sell Critical Illness… PRODUCTSEXPRESS APPPHONE SALEFACE-TO-FACE YES EXPRESS APP Web and iPad Available NOW! (check for Express App state availability)

For Agent Use Only – Not for public distribution Underwriting Classes Modified Guaranteed Issue Available for Groups & Associations with 20 or more applications applying for the base plan only (no riders) with $10k coverage. In Section 7 of the application, only Part A questions on the application need to be answered. Simplified Issue Available for any size group/association or individuals applying for the base plan only (no riders) with any coverage amount. Only Part A and Part B questions on the application need to be answered. Full Underwriting For all groups/associations and individuals applying for the base plan and any riders. Parts A, B, C and D questions on the application need to be answered.

For Agent Use Only – Not for public distribution Underwriting Info Straight Forward and Easy – Yes/No questions on application – Easy to follow Declinable Drug list based on Underwriting class – Height & Weight chart – No ParaMed required – Complete info can be found in the Cash Advantage Agent Guide found on AgentView under each Product page. Phone Verification PV only required on Phone Sales. Face-to-face sales with a wet signature do not require a PV!

For Agent Use Only – Not for public distribution Group Payroll/Association Sales Minimum Five Issued Policies Minimum 20 for Modified Guaranteed Issue Payroll Rates Offered Forms & Details in Agent Guide Minimum Premium Waived for Group Sales of 20 or more

For Agent Use Only – Not for public distribution