1. Thomas M. Kukes, CLU, ChFC Specialized Life Insurance Services

3. Non-cancelable guaranteed renewable Guaranteed renewable only Non cancelable – guar. renewable/list bill discounts Employer sponsored Erisa plans Business overhead expense Disability buy-out Key person disability income insurance Group LTD Group STD Wage construction plans Waiver of premium / life insurance Disability Income Insurance

4. What is our purpose? Why are we doing this? What do people want us to do? What questions do they ask?

5. Wheres my money?

7. Claims Ive Processed Lawyer, 56MD. heart disease on list for a transplant Bus. Owner, 52heart disease; list for transplant Sales Rep, 52Rheumatoid arthritis – cancer Lawyer, 58Motorcycle accident; lost leg LawyerCancer M.D. PediatricsHeart attack M.D.Alzheimer's; confined to home M.D. OBGYNCancer PHD, Late 40sCancer, cant see patients or run office Bus. Owner, 60Cancer

8. Case #1 Lawyer Age 42 Died Never submitted a DI claim – policy lapsed

9. Case #2 M.S. Gastroenterologist Ruptured disc in thoracic spine Emergency surgery Claims analyst said medical dpt. said medical dept. didnt think his problem was bad enough to warrant collecting

10. Case #3 60 M.D. OBGYN Arthritis Swollen hands cant put on 2 sets of gloves

11. Case #4 Lawyer 55 Broke both legs – collected total Went back to work and collected partial Company said they paid too much & want some of their money back based on law firms earnings of which he owned 33% Almost went to litigation

12. Case #5 M.D. OBGYN Back & neck disorder surgery Partially disabled Does family practice only and says hes totally disabled

13. Thank You