1. PMI vs. Protection Protection Review, July 2013 Complimentary Alternative

2. Protection Review | July 2013 2 PMI market data Laing & Buisson report

3. Protection Review | July 2013 3 Sample EB spending…..

4. Protection Review | July 2013 Disability insurance provides an income to protect lifestyle during periods of absence (whatever the cause); can also maintain insurance cover during this period Critical Illness traditionally pays a lump sum – possible to further refine cover – staged payments on diagnosis, treatment and post-care Major Medical Expenses offers further flexibility and draws the protection solution closer to what PMI provides But, what about consultants, diagnostics and so on? – possible to provide but likely to be expensive – self-insurance is probably the best approach – perhaps the traditional GP route provides the best approach? 4 Protection solutions

5. Thank you

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