1. Supplemental Insurance Protection
SB Accident Disability Dir Gen
Approval Date: 06/03/2014
Code :
Supplemental Insurance Protection
Accident Disability Direct
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. Accident Disability Direct Sales Pitch
The Accident Disability 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:
Accident Disability Direct for a monthly total disability benefit,
Accident Companion* for lump sum accident coverage.
Hospital Confinement Direct* for hospital coverage,
Health Coverage
Coverage
Gap
Accident
Disability
Direct
Accident
Companion
Hospital
Confinement
Direct
*See the appropriate training documents for more details on these other products.

6. Accident Disability Direct Product Comparison
The Accident Disability Direct plan is designed to provide a Monthly Total Disability benefit if the insured becomes Totally Disabled within 30 days of an Injury while covered under the policy and is Actively at Work:
Must be Actively at Work
Total Disability must begin within 30 days after the Accidental Injury
Total Disability for a full month provides for the lesser of The Monthly Indemnity Benefit; or 60% of the insured’s gross prior monthly income
Total Disability for a partial month is 1/30 per day of the Monthly Indemnity Benefit
For Accidents Only
A comparison of benefits to the Income Protection Direct is shown to the right.
Income Protection Direct
Accident
Illness
Accident Disability Direct
Accident Only

7. Accident Disability Direct Navigation?
Accident Disability Direct is located under the Disability tab of the SureBridge Point of Sale Tool.

8. Accident Disability Direct Benefit Options vs
Accident Disability Direct Benefit Options vs. Average Gross Income (AGI)
Annual Gross Income
Maximum Monthly Indemnity Benefit that can be selected
Under $10,000
Decline Coverage
$10,000 - $19,999
$500
$20,000 - $29,999
$500, $1000
$30,000 - $39,999
$500, $1000, $1500
$40,000 - $49,999
$500, $1000, $1500, $2000
$50,000 and over
$500, $1000, $1500, $2000, $2500

9. Accident Disability Direct Benefit Schedule
Option 1
Option 2
Option 3
Option 4
Availability
Ages 19-60
Benefit Options*
Due to Injury that occurs after the effective date of coverage
Must be Actively at Work
Total Disability must begin within 30 days after the Accidental Injury
Total Disability for a full month provides for the lesser of The Monthly Indemnity Benefit; or 60% of the insured’s gross prior monthly income
Total Disability for a partial month is 1/30 per day of the Monthly Indemnity Benefit
$1,000
$1,500
$2,000
$2,500
*Benefit cannot exceed 60% of gross monthly earnings.

10. Accident Disability Direct Benefit Schedule
Option 1
Option 2
Option 3
Option 4
Availability
Ages 19-60
Maximum Period Payable Options
Selected independent of Benefit Amount
Benefit continues through end of Maximum Period Payable selected as long as Total Disability continue
12 or 24 Months
Elimination Period Options
14 or 30 Days

11. Accident Disability Direct Benefit Schedule
Ages 19-60
Waiver of Premium
When an insured has been continuously disabled as defined for 90 days and receiving benefits, future premiums will be waived for the remainder of the disability period.
Insured must resume premium payments within 31 days when no longer eligible for waiver of premium to keep coverage in force.
Recurrent Disability
When the insured is disabled after a Period of Total Disability and has not been actively at work for at least 6 months following the end of the preceding disability,
New elimination period not required
Subject to the Maximum Period Payable that started with the preceding Period of Total Disability
If the Maximum Period Payable has ended, no benefits will be payable for a recurrence
Concurrent Disability
If a Total Disability is caused by more than one injury, benefits are paid as only one injury.

12. Accident Disability Direct Claims Example
Jenny Heart, age 43, had a car accident. Jenny is knocked unconscious, fractures her skull, breaks multiple ribs and both legs. Jenny is flown by Care Flight to the ER where an MRI and X-rays are taken. She spends an additional 7 days in an ICU room and another 15 days in the hospital recuperating from surgery. After she was released from the hospital, Jenny was unable to work for 6 months while she received physical therapy. Luckily, in addition to her bronze level EHB health insurance, Jenny has a Level 4 Accident Disability Direct plan.
BILL
After PPO Discounts
Hospital Stay
(22 Days)
$3,000
$2,000
$60,000
Paid By Health Plan $0
$60,000
Out of Pocket
$3,000
$2,000 $0
The Bronze EHB plan paid $68,650, leaving Jenny OOP $6,350. Jenny’s monthly benefit did not exceed 60% of her gross monthly so SureBridge paid Jenny $15,000 over the 6 month period and waivered her premiums for 3 of the 6 months.
This amount covered the gap left by the EHB plan and gave Jenny money to help with her lost wages and other incidental expenses such as her mortgage and car payment.
Paid By SureBridge Plan
Care Flight
Emergency
Room
Surgeon
and
Anesthesiologist
$10,000
$8,650
$1,350
$6,350
$15,000

13. Accident Disability Direct Renewability
The policy is guaranteed renewable to age 65, subject to the Company’s right to discontinue or terminate the coverage as provided in the TERMINATION OF COVERAGE section of the policy.

14. Accident Disability Direct Accident Disability Direct FAQs
New Business and Underwriting
Cannot be sold with another Accident Disability Direct or Income Protection Direct offered by CLICO or an Income Protection Plus or Income Protection offered by MEGA or Midwest.
Minimal application questions apply to this product.
Claim Payment
Cash benefit paid to the member on a monthly basis – includes coordination of benefits with Worker’s Comp, Employer Disability and Social Security Disability.
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, etc.)
Initial benefit requires completed disability form* signed by the Member, Physician, and Employer.
Ongoing benefits require follow-up treatment plan by the Physician.
*Form with complete instructions can be found in the
Member’s policy packet and online through the Member
Portal.

15. Accident Disability Direct Underwriting Quick Reference
Question Summary
Applies to Accident Disability Direct
Applicants Info, Height/Weight
Per Height Weight Chart
Occupation/duties of Primary Applicant
Yes
Occupation/duties of Spouse Applicant
Felony activity
Primary unemployment
Yes – Primary
Spouse/domestic partner unemployment
Primary income
See Income Rules
Spouse/domestic partner income
Spine joint surgery
Disability claim history
Disability prone
Important Information
Summarized questions are based on the generic 2013 application.
See the Accident Disability Direct section of the Chesapeake Underwriting and Product Guide for detailed application question information.

16. Accident Disability Direct Pricing Examples
Rates can change. These rates come from the generic brochure dated August 2013: CH ACC DIS DIR 813. The chart below is only an illustration of benefit and premium options per covered person for plans. Premiums may vary by state.
Monthly Premiums¹
Option 1
$1,000
Option 2
$1,500
Option 3
$2,000
Option 4
$2,500
30 Year old Male
(White Collar)
$6.02
$9.18
$12.50
$15.83
30 Year old Female
$5.16
$7.87
$10.72
$13.57
(Blue Collar)
$15.04
$22.95
$31.26
$39.57
$12.89
$19.67
$26.80
$33.92
Sample
¹ The chart above is only an illustration of benefit and premium options per non-tobacco covered person. Premiums may vary by state.

17. Accident Disability 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 an Accident-Only Disability Income Insurance 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.

18. Accident Disability Direct Thank You For Everything You Do!
Accident-Only Disability Income Insurance Policy