1. Everybody’s Talking… Welcome to the Safe Harbor Term LIFE Insurance "SafeHarbor is more than protection for the catastrophe of death... it is here for you to weather the storms of LIFE."

2. Lets Talk About What's in it for You: Access needed CASH for the treatment of and recovery from critical or chronic illness.

3. The OLD vs. The NEW

4. Let’s start by understanding why Living Benefits are so important … Over the last 5 - 10 years, Can you think of anyone in the last five years - family members, friends, neighbors, work associates - who suffered a CRITICAL ILLNESS such as a heart attack, stroke or cancer?

5. Did your loved one or acquaintance die immediately? OR DID THEY SURVIVE? It happens every day. Let’s check the statistics!

6. Think about the statistics … We could become CRITICALLY or TERMINALLY ill. Stroke Every 40 seconds someone in the US has a stroke. 1 In the US, stroke is the third leading cause of death, killing 144,000 people each year, but more importantly, it is a leading cause of serious, long-term adult disability. 2 Cancer Every 30 seconds a new cancer is diagnosed in the U.S. 3 More than half of Americans diagnosed with cancer will survive for at least five years. 4 Heart Attack Every 26 seconds someone suffers a heart attack. 5 Every year in the US more than 1 million people who suffer a heart attack survive for at least 12 months. Three-quarters of all male, first-time heart attack victims aged 35-54 survive at least 5 years. 4 1 American Heart Association Heart Disease and Stroke Statistics, 2008 2 2009 National Stroke Association 3 ”Cancer Facts & the War on Cancer” LIMRA, 2007 4 Health Insurance “Critical Illness Insurance is Critical to a Client’s Financial Survival,” May 2008 5 American Heart Association “Heart Disease and Stroke Statistics,” LIMRA 2007

7. What is the #1 reason people DO NOT buy long term care insurance? It is never going to happen to me! My kids will take care of me. I can’t justify the cost or afford it. No one has ever brought it to my attention. It is said that you will not need it if you die too young. BUT, the longer you live, the higher your chances become for needing care.

8. Did you know? For every couple turning 65 there is a 70% chance that one of them will need long-term care. Wall Street Journal As Baby Boomers age, the number keeps rising. Experts now say that 65% of people over 75 need long-term care coverage. The average facility stay for the elderly is about 3 years. Business Week This is only a nursing home “stay” estimate and does not include home care or assisted living which usually come first.

9. Did you know? 97 % of people over age 85 require assistance in their last years of life. The LTC Report

10. Did you know? Singles are especially at risk! They are not usually with someone who can properly care for them. The same is true for wives, who tend to outlast their husbands by an average of seven years. Jane Bryant Quinn Remember… accidents and disease do not discriminate against age. Young people may need home and nursing facility care, too.

11. It doesn’t stop there … Over 50% of all people entering a care situation are penniless within one year. Harvard University Tax breaks for premiums highlight Washington’s firm support of private insurance. US Center for Disease Control By 2018 a private room will cost over $500 per day or $188,000 per year. LTCI P Academy

13. Income goes down, expenses go up and in most cases, debt is incurred! What happens?

15. Now, imagine...

16. Tell your local banker or friendly stock broker that you need a bucket of money available to you just in case you need it due to one of the conditions we have discussed.

17. AND, you want that bucket Interest free Tax free Repayment free You’re Crazy!

18. So, how can the average American family afford LTC to protect itself against financial hardship caused by death, critical illness, and/or chronic illness? Let’s consider some examples…