1. Why Critical LifeEvents?
Case Name, Date, 2015

2. I
Introduction II
Let’s talk about Critical LifeEvents
III
Additional Riders Add More Value IV
Q&A and next steps

3. Why Critical Life Insurance?
What Can Critical Life Insurance Do For Me?

4. About Critical Illness
What Is It? Why Does It Matter?
Includes diseases such as cancer, heart attacks and strokes
Critical care costs are on the rise
Critical illness insurance may help with expenses traditional health insurance doesn’t cover

5. The Critical LifeEvents Advantage
LifeEvents with LTC
The Critical LifeEvents Advantage
Critical Illness Raises A Lot of Questions
If you get sick:
Who will care for you, your children?
How will you pay bills?
What are your treatment options?
What happens if your illness gets worse?
LTC Rider not approved in HI, OR, UT, VT, WA

6. Important Features of Trustmark Insurance
Features You’ll Appreciate
Guaranteed renewable – Guaranteed coverage, as long as your premiums are paid
Level premiums – You can keep same benefit and level premiums even if they change jobs or retire
Fully portable – A direct bill option is available if you ever leave
Family Coverage – Coverage is available for employee, spouse, children and grandchildren
Simplicity of payroll deduction – Premium is paid via the ease of payroll deduction. No need to worry about missing payments
Lifelong Protection – Provides coverage that will last your lifetime

7. Product Benefits

8. Critical LifeEvents A lifetime of benefits
Critical LifeEvents focuses on more aspects of the ways critical illness touches your life.
Base policy focuses on the conditions most likely to occur
Benefits payable for early identification as well as for later-stage diagnosis
Full benefit amount replenishes annually
Best Doctors® - Network of professionals available to assist you
NOTE: Best Doctors can be removed if it’s not selected on the plan
LTC Rider not approved in HI, OR, UT, VT, WA

9. What Happens When Critical Illness Strikes
How is my benefit paid?
Benefits paid from your selected base benefit amount
Diagnosis determines the benefit payable at 10%, 50% or 100% of base benefit amount
Cash benefits payable for diagnosis of each and every covered illness
Multiple benefits can be paid in the same year
CRITICAL LIFEEVENTS If you can link to primer at: [primer URL]

10. At What Percentage Are Benefits Paid?

11. At What Percentage Are Benefits Paid?

12. At What Percentage Are Benefits Paid?

13. At What Percentage are Benefits Paid in New York?
Please consult your policy/group certificate for specific covered illnesses and details.

14. At What Percentage are Benefits Paid in New York?
Please consult your policy/group certificate for specific covered illnesses and details.

15. At What Percentage are Benefits Paid in New York?
Please consult your policy/group certificate for specific covered illnesses and details.

16. Limitations
What to Know Before You Buy
Pays a limited, lump-sum benefit for specified diseases only
Pre-Existing Condition Limitation -In most states no benefit will be paid in the first year for any condition caused by or resulting from a pre-existing condition
varies by state
Policy contains exclusions

17. Features You’ll Appreciate

18. Additional benefits add more value
The following features are included in Critical LifeEvents providing options that may help you when critical illness impacts your life.

19. Waiver of premium for critical illness
Waives premium payments for all covered persons for six months when employee is diagnosed and receiving a benefit for a covered illness payable at the 100% or 50% benefit level. Waiver can be activated only once per calendar year.
WPC

20. Waiver of premium for disability
Waives premium payments for all covered persons if a doctor determines the employee is totally disabled for six months before age 70.
WPD

21. Healthy Living Rider
$50 routine services benefit for early detection and prevention help you stay well such as mammography, colonoscopy, etc.*
Covered screenings include:
• Mammography • Pap smear
• Flexible sigmoidoscopy • Hemoccult stool analysis
• Colonoscopy • Prostate specific antigen (PSA) test for prostate cancer
• Doppler screening of carotid arteries • EKG/ECG
• CT colonography • Human Papillomavirus vaccination (HPV)
• CA 125 blood test • Whole body skin cancer screening exam
$50 follow-up diagnostic tests to investigate possible cancer, coronary artery disease or cerebral vascular disease
*Calendar-year benefits.
HLR50

22. Healthy Living Rider
$75 routine services benefit for early detection and prevention help you stay well such as mammography, colonoscopy, etc.*
Covered screenings include:
• Mammography • Pap smear
• Flexible sigmoidoscopy • Hemoccult stool analysis
• Colonoscopy • Prostate specific antigen (PSA) test for prostate cancer
• Doppler screening of carotid arteries • EKG/ECG
• CT colonography • Human Papillomavirus vaccination (HPV)
• CA 125 blood test • Whole body skin cancer screening exam
$75 follow-up diagnostic tests to investigate possible cancer, coronary artery disease or cerebral vascular disease
*Calendar-year benefits.
HLR75

23. Healthy Living Rider
$100 routine services benefit for early detection and prevention help you stay well such as mammography, colonoscopy, etc.*
Covered screenings include:
• Mammography • Pap smear
• Flexible sigmoidoscopy • Hemoccult stool analysis
• Colonoscopy • Prostate specific antigen (PSA) test for prostate cancer
• Doppler screening of carotid arteries • EKG/ECG
• CT colonography • Human Papillomavirus vaccination (HPV)
• CA 125 blood test • Whole body skin cancer screening exam
$100 follow-up diagnostic tests to investigate possible cancer, coronary artery disease or cerebral vascular disease
*Calendar-year benefits.
HLR100

24. Healthy Living Rider Biometric screenings
encourage you to “know your numbers.”
includes fasting blood glucose test or lipid panel
one $25 screening benefit per calendar year
HLR-BIO

25. Healthy Living Rider Genetic testing
following a physician’s recommendation because you are at high risk of, or have been diagnosed with cancer, to assess risk for BRCA-1 or BRCA-2
one $250 benefit is payable once per person when the genetic test is performed within 12 months of the recommendation
if you have a marker, the benefit doubles to $500 to help pay for additional counseling
*One-time benefit per person are payable after the effective date and waiting period, if applicable.
HLR-GEN

26. Healthy Living Rider Healthy Living Advantage program powered by
Activities support you in achieving your personal goals for healthy living with one-on-one interaction and web-based tools. You and your covered spouse receive:
• access to the Healthy Living Advantage online portal
• health assessment tool
• call with an advisor upon completing the health assessment
• automatic payment of the $25 biometric benefit when portal is used and to-do’s are completed
*Calendar-year benefits.
HLR-HLA, (currently not available)

27. Caregiver Benefit
$500 benefit is payable to the covered person (over age 18) who provides care to an eligible family member, whether or not they are covered under the policy, who has cancer, coronary artery disease or cerebral vascular disease
Access to medical experts through Best Doctors®, You will have access to a Personal Care Manager, who will work with you to answer your questions and explain your options for the specific illness your loved one is facing.
CGR500
NOTE: Best Doctors can be removed if it’s not selected on the plan

28. Caregiver Benefit
$1,000 benefit is payable to the covered person (over age 18) who provides care to an eligible family member, whether or not they are covered under the policy, who has cancer, coronary artery disease or cerebral vascular disease
Access to medical experts through Best Doctors®, You will have access to a Personal Care Manager, who will work with you to answer your questions and explain your options for the specific illness your loved one is facing.
CGR1000
NOTE: Best Doctors can be removed if it’s not selected on the plan

29. Additional Sickness Rider
Provides benefits when you cannot perform two activities of daily living (ADLs) due to sickness* for at least 90 continuous days
The benefit pays 25% of your benefit amount, and is payable once per lifetime for each covered person and is not subject to the annual maximum*.
* For sickness first diagnosed after the effective date and waiting period, if applicable. ADLs include bathing, dressing, toileting, transferring, eating and continence (specific ADLs may vary by state, please see your policy/certificate for details). Exclusions for injury, pregnancy, mental or nervous disorder or functional impairment due to the normal aging process apply. Please see your policy/certificate for details.
ASR25

30. Additional Sickness Rider
Provides benefits when you cannot perform two activities of daily living (ADLs) due to sickness* for at least 90 continuous days
The benefit pays 50% of your benefit amount, and is payable once per lifetime for each covered person and is not subject to the annual maximum*.
* For sickness first diagnosed after the effective date and waiting period, if applicable. ADLs include bathing, dressing, toileting, transferring, eating and continence (specific ADLs may vary by state, please see your policy/certificate for details). Exclusions for injury, pregnancy, mental or nervous disorder or functional impairment due to the normal aging process apply. Please see your policy/certificate for details.
ASR50

31. Specified Illness Rider
The Specified Illness rider provides tiered benefits for additional illnesses. It rounds out your protection by adding the types of critical illnesses named in more conventional specified illness policies, to provide affordable coverage that includes those conditions.
SIR

32. Questions ???
Critical LifeEvents insurance underwritten by Trustmark Insurance Company, Lake Forest, IL. This presentation provides a brief description of benefits and is not a contract. This is limited benefit coverage and should not replace existing basic medical coverage. Benefits, exclusions and limitations may vary by state. Plan CIICB 214 or CIICI 214 for your state contains exact terms and provisions.
Underwritten by Trustmark Insurance Company, Lake Forest, Illinois

33. Look for more announcements and details to come!
THANK YOU!
Look for more announcements and details to come!