1. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Yes, It’s Possible! to protect your income, even when you take time from work to care for a loved one

2. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 More than 65 million people care for an ill, disabled or aged family member or friend for an average of 20 hours per week. Approximately 66% of family caregivers are women. Reported by the Family Caregiver Alliance on its website, November 2012.website, Caregiving In The U.S.

3. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 36% of Americans say they are living from paycheck to paycheck. About one in five Americans have reduced their 401K contributions or savings. What would the impact be on you and your family if you had no salaried income for an extended period of time? CareerBuilder.com. September 2013 Tough Economic Times

4. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Just over 1 in 4 of today’s twenty- year-olds will become disabled before reaching 67. Social Security Administration Basic Facts, Social Security Administration Basic Facts, April 2, 2014 The Risk Is Real

5. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 The Length Of Disabilities Is Tending To Increase Could you manage financially if you were unable to earn an income for the length of time shown for your age group?

6. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 68 million women are employed in the United States Women account for 51% of all workers in high-paying, management, and professional occupations, according to the latest U.S. Dept of Labor statistics. * U.S. Department of Labor, Bureau of Labor Statistics, 2014 Employment and Earnings Online, 2013 Annual Averages. Women As Contributors To Household Income

7. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Protector Platinum SM individual disability income insurance provides income when you are unable to earn your usual income as a result of a disabling illness or accident. This policy even has a built-in provision should you lose income taking care of a loved one with a serious health condition. You Can Protect Yourself And Your Family

8. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 The Compassionate Care Benefit is included with Protector Platinum individual disability income insurance policies This benefit provides for a monthly benefit for a period of time, if an insured is not disabled, but loses earned income while taking time away from work to care for a loved one. A Loved One under the terms of Protector Platinum’s contract is a parent, spouse, domestic partner, a child, adopted child, stepchild or child of a domestic partner. Compassionate Care Benefit ®

9. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Provides for a monthly benefit proportional to the insured caregiver’s loss of earnings. The total benefit can be up to six times the base disability benefit, either as a partial or total amount depending on the actual loss of income incurred. Compassionate Care Benefit (continued)

10. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 The Comprehensive Features of Protector Platinum

11. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 1.Guaranteed Renewable Policy 2.Unlimited Coverage for Mental Disorder/Substance Abuse 3.Own Occupation Definition of Disability 4.Total Disability Benefit 5.Presumptive Total Disability Benefit 6.Partial Disability Benefit more on next slide Features Included At No Extra Cost

12. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 7.Recovery Benefit 8.Rehabilitation Benefit 8.Automatic Increase Benefit 9.Survivor Benefit 10.Cosmetic or Transplant Surgery Benefit 11.Premium Waiver Benefit 12.Compassionate Disability Benefit Features Included At No Extra Cost

13. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Future Purchase Option Rider Noncancelable Policy Rider Indexed Cost of Living Rider Catastrophic Disability Benefit Rider Optional Riders

14. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Issue ages 18 through 64 Choice of 2, 5, 10 year, To-Age-65, or To-Age-67 benefit periods Discounts available for groups of 5 or more individuals, business owners, and for multi-product purchases Additional Options with Protector Platinum

15. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 Trust The Standard

16. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170 The Standard has kept its promises to its customers since 1906 The Standard ranks among the top disability insurance companies in the nation. Our goal is to give you the same kind of compassionate expertise we wish for ourselves and our families. The Standard

17. © 2010 Standard Insurance Com Formpany SI15604PPT (Rev 8/14) Yes, it’s possible! Form B170