1. Supplemental Insurance Protection
Critical Illness Dir Gen
Approval Date: 06/05/2014
Code :
Supplemental Insurance Protection
Critical Illness Direct
Policy Form CH IP (01/10), or its state variation
See Separate Presentation for State Specific Variations
©2014 SureBridge® Product Training Materials | Proprietary and Confidential.
For more plan details, refer to the product materials.
The benefits described in this presentation are subject to all provisions, terms, definitions, and limitations and exclusions of the applicable policy.
Supplemental plans serve a specific purpose in the insurance market. These plans are not intended as substitutes for accident and sickness health insurance and should not be construed as such.

2. Supplemental Products Availability
SureBridge has the largest portfolio of supplemental products including critical illness, cancer, accident, disability, dental and vision policies. We also have the broadest marketing footprint. AK WA ID MT ME OR ND MN NH WI NY VT MI WY SD CA MA RI NV CT UT NE IA PA IL OH IN NJ CO WV DE MO VA KS MD KY HI DC AZ NC NM OK TN TX AR SC GA MS AL
All products available
Subset of products available
No products available LA FL

3. Supplemental Products Superior Client/Broker Experience
Quoting
Compare packages with different combinations of supplemental products
Present total price for solution
Commissions
First month’s premium is taken at time of application
This results in faster commission payments
Book of Business report available on the SureBridge Broker Portal
Application
Single e-app for any combination of supplemental products
Flexibility to select different products and/or benefit options for each family member on app
Smart app – only the questions for the products selected are asked
Simplicity – all questions are yes/no
Outlines of coverage provided
Claims
Claim form provided with complete instructions for submission
Claim forms are received, analyzed and adjudicated within a 7 day turn-around time

4. Supplemental Products Sales Pitch
Changes in the market present opportunities to sell supplemental plans
Essential Health Benefits Plans can have out of pocket expenses as high as $6,350 for individuals or $12,700 for families.
This leaves large gaps in coverage which can be filled with supplemental plans.
Advanced premium tax credits for EHB plans are available for individuals or families making up to 400% of the federal poverty level. Tax credits can be used to purchase extra coverage and fill the gaps left by high deductibles and coinsurance on EHB plans.
Number of family members
Poverty Guideline for family income (as of 2013)
Can still qualify for a subsidy under the ACA with an income up to 1
$11,490
X 400%
$45,960 2
$15,510
$62,040 3
$19,530
$78,120 4
$23,550
$94,200 5
$27,570
$110,280
Tax credits can be seen as a way to pay for Supplemental Plans and reduce coverage gaps.
Need a subsidy calculator? Try

5. Critical Illness Direct Sales Pitch
The Critical Illness Direct plan is a piece of the puzzle to help fill in gaps caused by high out of pocket expenses and lost wages.
On the right, health insurance is supplemented by the following:
Critical Illness Direct for lump sum benefit upon a first occurrence diagnosis of a qualifying event
Hospital Confinement Direct* for hospital coverage
Accident Companion* for lump sum accident coverage.
Coverage
Gap
Health Coverage
Accident
Companion
Critical Illness Direct
Hospital
Confinement
Direct
*See the appropriate training documents for more details on these other products.

6. Critical Illness Direct Product Comparison
The Critical Illness Direct plan is designed to provide a one-time lump sum cash benefit that can be used for:
For Experimental Procedures or cosmetic Reconstructive Surgery
Transportation and lodging for relatives
Mortgage
Car Payment
Out of pocket medical expenses such as the deductible/coinsurance
Home Care
A comparison of benefits to the CancerWise policy is shown to the right.
Critical Illness Direct
Advanced Alzheimers
ALS (Amyotrophic Lateral Sclerosis)
Life-Threatening Cancer
Illness Induced Coma
Heart Attack
Major Organ Transplant
Stroke
End Stage Renal Disease
Benign Brain Tumor
Cancer In Situ
Coronary By-Pass
CancerWise
Malignant Internal Tumor
Malignant Melanoma

7. Critical Illness Direct Navigation?
Critical Illness Direct is located under the Illness tab of the SureBridge Point of Sale Tool.

8. Critical Illness Direct Benefit Schedule
Qualifying Condition
Benefit Description
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Plan 7
Coronary artery by-pass
Cancer in situ
Benign brain tumor
25% of Benefit Amount Chosen
Percentage reduced by ½ on date insured reaches age 70
In the event that a customer suffers an event paying a 25% benefit, they will retain the remaining 75% of the amount for future diagnoses
$2,500
$3,750
$5,000
$7,500
$10,000
$12,500
$15,000
Advanced Alzheimer’s Disease
Illness induced coma
Heart attack
Life-threatening cancer
Major organ transplant
Stroke
Amyotrophic lateral sclerosis (Lou Gehrig’s disease)
End stage renal failure
100% of Benefit Amount Chosen
Percentage reduced by ½ on date insured reaches age 70
$20,000
$30,000
$40,000
$50,000
$60,000
Waiting Period
Waiting period is 30 days from effective date 

9. Critical Illness Direct Claims Example
Jenny Heart, at age 45 was diagnosed with Stage IV Breast Cancer. Although Jenny had been going for her annual mammograms and one had required additional review by a pathologist, this was her first diagnosis of internal cancer. As a result, a surgery was performed and she was treated with chemotherapy and radiation. Luckily for Jenny, she has an Option 4 Critical Illness Direct plan to supplement her Bronze EHB health insurance.
BILL
After PPO Discounts
Outpatient
Surgery Facility
Surgery
Chemotherapy
Radiation
$3,000
$2,500
$8,000
$6,000
Paid By Health Plan $0
$8,000
$6,000
Out Of Pocket
$3,000
$2,500 $0
The Bronze EHB plan only paid $14,150, leaving Jenny OOP $6,350 in medical expenses. SureBridge paid Jenny $30,000 covering the gap left by the EHB plan and giving Jenny $23,650 to help with her lost wages and other incidental expenses such as her mortgage and car payment.
Paid By SureBridge Plan
Anesthesia
$1,000
$ 150
$850
$6,350
$30,000
TOTALS
$14,150
$6,350

10. Critical Illness Direct Renewability
The policy is guaranteed renewable to age 75, subject to the Company’s right to discontinue or terminate the coverage as provided in the TERMINATION OF COVERAGE section of the policy.

11. Critical Illness Direct Critical Illness Direct FAQs
New Business and Underwriting
This product cannot be sold with another Critical Illness plan offered by MEGA, Midwest or CLICO.
Minimal application questions apply to this product.
Claim Payment
Cash benefit to the member – no assignment of benefits.
No coordination of benefits with either an health plans.
No network of providers.
Maternity is not covered.
Average claim processing times is 7-10 business days unless an additional review is conducted for provisions of the coverage (i.e. pre-existing, first diagnosis, etc.)

12. Critical Illness Direct Underwriting Quick Reference
Question Summary
Applies to Critical Illness Direct
Applicants Info, Height/Weight
Per Height Weight Chart
Abnormal test results
Yes
Impending test
Family history: cancer
Family history: non-cancer
Cancer history: full
HIV/AIDS
Prescription
ADL (Activities of Daily Living)
Cholesterol/Blood Pressure
Mental Diseases or Disorders
Heart Brain and Circulatory System
Renal System
Endocrine System
Organ Transplant
Important Information
Summarized questions are based on the generic 2013 application.
See the Critical Illness Direct section of the Chesapeake Underwriting and Product Guide for detailed application question information.

13. Critical Illness Direct Pricing Examples
Rates can change. These rates come from the generic brochure dated August 2013: CH CR ILL DIR 314. The chart below is only an illustration of benefit and premium options per covered person for plans. Premiums may vary by state.
Benefit Options1
$10,000
$15,000
$20,000
$30,000
$40,000
$50,000
$60,000
35 Year old Male
$7.85
$11.77
$15.69
$23.54
$31.39
$39.24
$47.08
35 Year old Female
$5.27
$7.90
$10.54
$15.81
$21.07
$26.34
$31.61
40 Year old Male
$11.21
$16.82
$22.42
$33.63
$44.84
$56.05
$67.26
40 Year old Female
Sample
¹ The chart above is only an illustration of benefit and premium options per non-tobacco covered person. Premiums may vary by state.

14. Critical Illness Direct
This presentation is not inclusive of all policy provisions.
See product materials for complete details and any additional state variations regarding Termination of Coverage, Renewability, Premium Changes, Eligible Dependents, Exclusions and policy Definitions.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products are underwritten and administered by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. The insurance product referenced in this document is underwritten by The Chesapeake Life Insurance Company.
SureBridge products are individual supplemental products and are not available as group coverage.
There is no list bill and premiums may not be paid by employers for employees.
This material cannot be copied or used in any way for advertising or presentation purposes.
THIS POLICY PROVIDES LIMITED BENEFITS. This type of plan is not considered “minimum essential coverage” under the Affordable Care Act and therefore a Specified Disease/Condition and Major Organ Transplant Benefit Policy does not satisfy the individual mandate that you have health insurance coverage.
This is not Medicare Supplement Insurance.
Benefits may vary by state. See state variations and product materials for more detail.

15. Critical Illness Direct Thank You For Everything You Do!
Specified Disease/Condition and Major Organ Transplant Benefit Policy