1. Why Universal Life?
Case Name, Date, 2013

2. I
Introduction II
What’s in it for you?
III
A little about Trustmark IV
Let’s talk about Universal Life V
Let’s talk about Living Benefits VI
Several additional options
VII
Q&A and next steps

3. It’s all about you
How will Universal Life help you and your family?

4. Why Universal Life Insurance?
95% of Americans make it a priority to protect their kids by using seatbelts, but only 20% have enough life insurance for family protection.
Many Americans have just half the life insurance protection they need to meet their own financial objectives.
* “Life Insurance Gap Study,” conducted by Greenwald & Associates for New York Life Insurance Company, 2008

5. UL with Living Benefits
Why an Accelerated Death Benefit for Long-term Care?
70% of people over the age of 65 will eventually need Long-term care services (LTC).*
40% of people currently receiving LTC are adults 18 to 64 years old.*
Care can cost $200 to $300 or more a day.*
About 75% of single people and 50% of all couples spend their entire savings within one year of entering a nursing home.*
*U.S Department of Health and Human Services Website, 2011
“Since 2007, 10 of the top 20 insurers by sales have left the long-term care insurance market.” *
*“Long-Term Care: What now? Wall Street Journal, March 2012

6. A little about us
Trustmark Insurance Company

7. Trustmark History
Trustmark began in 1913 as the fraternal association, Brotherhood of All Railway Employees.
10 years after its founding, it became a mutual insurance company, managed for its policyholders.
100 years of voluntary benefits experience and know-how.

8. Important Features of Trustmark Insurance
Guaranteed renewable – Guaranteed coverage, as long as your premiums are paid. Your premium may change if the premium for all policies in your class changes.
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.

9. Product Benefits

10. The LifeEvents® Advantage
LifeEvents with LTC
The LifeEvents® Advantage
With LifeEvents, benefits can be paid as a Death Benefit1,
as Living Benefits, or as a combination of both.
A death benefit puts money in your family’s hands quickly when they need it most. It’s money they can use any way they want to help with expenses, such as:
Funeral costs
Rent or mortgages
A college education for your children or grandchildren
Household debt
Retirement and more
Issue age: 18 to 642
1Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary.
2Employees & spouses over age 64, and children and grandchildren, may apply for Trustmark’s standard Universal Life insurance.
LTC Rider not approved in HI, OR, UT, VT, WA

11. LifeEvents with LTC
LifeEvents in Action
Designed to match your need throughout your lifetime
Living Benefits advance part of your death benefit to help supplement the cost of assistance for:
home healthcare
assisted living
nursing home services
adult day care services
Based on 2 of 6 ADLs or cognitive impairment.
Your Living Benefits for LTC never reduce.
UNIVERSAL LIFEEVENTS
2Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary.
LTC Rider not approved in HI, OR, UT, VT, WA

12. How Living Benefits Add Up
LifeEvents with LTC, BRR, EOB
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Benefit restoration rider
Restores the death benefit2 that is reduced to pay for LTC, so your family receives the full death benefit amount when they need it most.
Extension of LTC
Extends the LTC benefit up to an additional 25 months.
Example: $100,000 LifeEvents policy with
Long-term care benefit
Universal LifeEvents
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Restoration Rider
Restores the death benefit
Extension of LTC Rider
Extends the LTC benefit period
Total potential policy value
$300,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details. 2Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary.
Issue age is
LTC, BRR Riders not approved in HI, OR, UT, VT, WA

13. How Living Benefits Add Up
LifeEvents with LTC, BRR
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Benefit restoration rider
Restores the death benefit2 that is reduced to pay for LTC, so your family receives the full death benefit amount when they need it most.
Example: $100,000 LifeEvents policy with
Long-term care benefit
Universal LifeEvents
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Restoration Rider
Restores the death benefit
Total potential policy value
$200,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details. 2Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary.
Issue age is
LTC, BRR Riders not approved in HI, OR, UT, VT, WA

14. How Living Benefits Add Up
LifeEvents with LTC, EOB
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Extension of LTC
Extends the LTC benefit up to an additional 25 months.
Example: $100,000 LifeEvents policy2 with
Long-term care benefit
Universal LifeEvents
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Extension of LTC Rider
Extends the LTC benefit period
Total potential policy value
$200,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details. 2Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary.
Issue age is
LTC Rider not approved in HI, OR, UT, VT, WA.
EOB Rider not approved in CO, CT, FL, HI, MN, NC, OR, TX, UT, VT, WA.

15. The Universal Life Advantage
Universal Life with LTC
The Universal Life Advantage
With Trustmark Universal Life Insurance, benefits can be paid as a Death Benefit, as Living Benefits, or as a combination of both.
A death benefit puts money in your family’s hands quickly when they need it most. It’s money they can use any way they want to help with expenses, such as:
Funeral costs
Rent or mortgages
A college education for your children or grandchildren
Household debt
Retirement and more
Issue age: Up to age 80
LTC Rider not approved in HI, OR, UT, VT, WA

16. Living Benefits for Long-term Care
Universal Life with LTC
Living Benefits for Long-term Care
Designed to match your need throughout your lifetime
Living Benefits advance part of your death benefit to help supplement the cost of assistance for:
home healthcare
assisted living
nursing home services
adult day care services
Based on 2 of 6 ADLs or cognitive impairment.
UNIVERSAL LIFEEVENTS
LTC Rider not approved in HI, OR, UT, VT, WA

17. How Living Benefits Add Up
Universal Life with LTC, BRR, EOB
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Benefit restoration rider
Restores the death benefit that is reduced to pay for LTC, so your family receives the full death benefit amount when they need it most.
Extension of LTC
Extends the LTC benefit up to an additional 25 months.
Example: $100,000 Universal Life policy with
Long-term care benefit
Universal Life
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Restoration Rider
Restores the death benefit
Extension of LTC Rider
Extends the LTC benefit period
Total potential policy value
$300,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details.
Issue age is up to age 80.
LTC, BRR Riders not approved in HI, OR, UT, VT, WA

18. How Living Benefits Add Up
Universal Life with LTC, BRR
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Benefit restoration rider
Restores the death benefit that is reduced to pay for LTC, so your family receives the full death benefit amount when they need it most.
Example: $100,000 Universal Life policy with
Long-term care benefit
Universal Life
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Restoration Rider
Restores the death benefit
Total potential policy value
$200,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details.
Issue age is up to age 80.
LTC, BRR Riders not approved in HI, OR, UT, VT, WA

19. How Living Benefits Add Up
Universal Life with LTC, EOB
How Living Benefits Add Up
Long-term care benefit (LTC)1
Pays 4% of the death benefit for up to 25 months. The LTC benefit accelerates the death benefit and proportionately reduces it.
Extension of LTC
Extends the LTC benefit up to an additional 25 months.
Example: $100,000 Universal Life policy with
Long-term care benefit
Universal Life
Feature
Maximum Benefit
LTC Rider1
LTC rider pays $4,000 per month for 25 months
$100,000
Extension of LTC Rider
Extends the LTC benefit period
Total potential policy value
$200,000
1The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care
Insurance. It begins to pay after 90 days of confinement or services, and to qualify you
must meet conditions of eligibility for benefits. Pre-existing condition limitation may
apply. Living Benefits may not be available in all states or may be named differently.
Please consult your policy for complete details.
Issue age is up to age 80.
LTC Rider not approved in HI, OR, UT, VT, WA.
EOB Rider not approved in CO, CT, FL, HI, MN, NC, OR, TX, UT, VT, WA.

20. Separately Priced Benefits

21. What other benefits are available?
Trustmark Universal LifeEvents®
Accidental Death Benefit – Doubles the death benefit if death occurs by accident prior to age 75.
Children’s Term Life Insurance – Covers newborns to age 23 and is convertible to Universal Life insurance without evidence of insurability.
Waiver of Premium – Waives policy payments if your doctor determines you are totally disabled.
EZ Value – Automatically raises your benefits to keep pace with your increasing needs, without additional underwriting.

22. LifeEvents
EZ Value Option
EZ Value automatically increases your benefits to keep pace with your increasing needs – without additional underwriting.
Actual values will vary by age, smoking, benefits selected and current interest rate.

23. Universal Life
EZ Value Option
EZ Value automatically increases your benefits to keep pace with your increasing needs – without additional underwriting.
Actual values will vary by age, smoking, benefits selected and current interest rate.

24. Questions ???
For more details, contact your Trustmark representative today.
This provides a brief description of your benefits and is not a contract. Benefits, exclusions and limitations may vary by state, or may be named differently. See GUL/IUL.205 and riders for exact terms, provisions and exclusions and limitations that apply to the LTC Rider. Please consult your policy for complete information. A complete policy illustration will be delivered with your policy or certificate. Coverage may expire prior to age 100 even if the premium shown is paid as scheduled.
Underwritten by Trustmark Insurance Company, Lake Forest, Illinois

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