1. Form #S502-305 For Agent Use Only Simplicity Agent Training

2. Form #S502-305 For Agent Use Only Question: Are you selling the new kind of LTCi or the old kind?

3. Form #S502-305 For Agent Use Only Count on MedAmerica. Highest rated coverage (91 by SellingLTC.com) Rightsizing coverage to fit client needs. Get a Lock on Affiliations and small businesses! Here are 4 powerful points to use: Introducing … from MedAmerica You’ll be a STAR with your customers when you deliver the Highest Quality Coverage at Affordable Premium Rates from a company committed exclusively to LTC since 1987

4. Form #S502-305 For Agent Use Only Count on MedAmerica Strong ratings – rated A- by Standard & Poor’s since 1997 & A.M. Best since 1994. 18 years dedicated exclusively to LTC. Owned by $4.5B not-for-profit health care company putting policyholders ahead of shareholders. No rate increases – EVER! Over $100M in claims paid.

5. Form #S502-305 For Agent Use Only In-force Policies Thousands

6. Form #S502-305 For Agent Use Only Earned Premium Thousands

7. Form #S502-305 For Agent Use Only Profit (before FAS 133) Thousands

8. Form #S502-305 For Agent Use Only Growth in Assets (000’s) Thousands

9. Form #S502-305 For Agent Use Only Actual vs. Expected Claims % of Premium Expected Duration by Year

10. Form #S502-305 For Agent Use Only Key Product Features Highest Rated Coverage

11. Form #S502-305 For Agent Use Only Key Features Simplicity is designed to be tax qualified. 2 out of 6 ADL’s and cognitive benefit triggers apply. Cash Benefit pre-paid each month. –No submission of third-party bills for reimbursement required. No restrictions or limits apply. One policy with riders to enhance or simplify coverage (facility or community only) No limitations or exclusions.

12. Form #S502-305 For Agent Use Only What if There Was a Policy…? Without – defined lists of providers Without – defined lists of types of service Without – restrictions OR limitation on what, when, where or who uses or provides the service And what if it was paid in CA$H – in advance?

13. Form #S502-305 For Agent Use Only Coverage Made Easy OTHER PRODUCTS “talk about confusing…” Providers as listed  Any Service in the contract and approved by the insurer.  Anywhere Type of services listed in the contract and approved by the  From Anyone insurer

14. Form #S502-305 For Agent Use Only Product Overview

15. Form #S502-305 For Agent Use Only Core Benefits For illustrative purposes only, availability of benefits, options, riders and discounts may vary by state. Age Limitations: 18-85 (lifetime benefits not available under age 50) Monthly Benefits: $2,100 and up in $300 increments. $12,000 cap for 7 year duration and under. $9,000 cap for unlimited duration. Calendar Day EP: 30, 60, 90 or 180 Lifetime Max: 24, 36, 48, 60, 84 or Unlimited Months Worldwide Coverage: No limitations or benefit reductions.

16. Form #S502-305 For Agent Use Only Riders Nonforfeiture Riders: Shortened Benefit Period Return of Premium Full Return of Premium Restoration of Benefits: Joint Benefits Shared Care Rider Shared Waiver Survivor Benefit Flexible Payment Options: Paid in Full at Age 65 Reduced Premium (Age 65 or Age 70) 10 Years Paid in Full Inflation Protection: 5% Simple No Max 5% Compound 2X Max 5% Compound No Max None

17. Form #S502-305 For Agent Use Only Shared Care Rider - Allows spouse with identical benefits to tap into benefits of other spouse Upon death, remaining benefits are passed to surviving spouse with no additional premium cost. Complements “rightsizing” strategy with shorter benefit durations, i.e. 5/5 = 8/2

18. Form #S502-305 For Agent Use Only Rightsizing Coverage Rightsized coverage. It’s the RIGHT THING TO DO.

19. Form #S502-305 For Agent Use Only How much HHC coverage is enough? Industry Facts:  85% of LTCi policyholders received reimbursement of $75 or less  Average Monthly Claim: $1,527-$1,661  HHC claimants receive on average 36 hours of formal HHC per week. Family members provide 23 hours of care (unpaid per week).

20. Form #S502-305 For Agent Use Only Turning the Sale Around Consider asking your client to base their monthly cash benefit on how much they will need to live in the community in their own home. That’s called the “community benefit”. If at some point, they need care in a facility, their monthly cash payment will increase to a “facility benefit”.

21. Form #S502-305 For Agent Use Only Turning the Sale Around Facility Care Last Care Option Usage flat over last 13 years First Choice of Client Usage increased by 400% over last 13 years Home Care

22. Form #S502-305 For Agent Use Only Turning the Sale Around Home Care First Choice of Client Cover Based on Need Cash paid regardless of Services Last Care Option Choice for Client Cash paid at 120% of Home Care Facility Care

23. Form #S502-305 For Agent Use Only What’s the Right Size for Duration? Industry Facts:  Only 15% of claims exceed 24 months. Of those, only 7% exceed 36 months.  97% of claims are less than 60 months in duration

24. Form #S502-305 For Agent Use Only RIGHT SIZE with Simplicity Rightsized Durations: 3, 4, or 5 years. Statistics say that your customer is better off with a higher monthly benefit for a shorter duration than a lower monthly benefit for a lifetime duration. Compared to lifetime benefits: 5 year = 38% lower premium 4 year = 46% lower premium 3 year = 55% lower premium

25. Form #S502-305 For Agent Use Only RIGHT SIZE with Simplicity Inflation Options Your customer needs inflation protection, and we offer 5% simple and 5% compound (2x max) as affordable options to the traditional 5% compound. Compared to 5% Compound 5% simple = 41% lower premium 5% compound (2 x max) = 54% lower premium

26. Form #S502-305 For Agent Use Only Rate Comparison Age 50 Couple (Old) Traditional Reimbursement Unlimited Compound/no max Home Care (monthly reimbursement max $4,800) Annual Premium ($2,722 x 2 = $5,444) (Facility benefit $4,800) (New) Simplicity Cash 5 year (60 months) Compound 2x Home Care (monthly pre-paid benefit) $4,800 Shared Care Annual Premium ($1,043 x 2 = $2,086) Premium Savings = -$3,358 (Facility benefit $6,000)

27. Form #S502-305 For Agent Use Only Get a lock on Affiliations & Small Businesses Multi-life Programs: Affiliation: 10% discount Employer: 10% discount and simplified underwriting for employees when 10 or more qualify for coverage.

28. Form #S502-305 For Agent Use Only Simplicity is Unique Simple, flexible, tax qualified plan with competitive premiums Prepaid Cash Benefits Worldwide Coverage No limitations or exclusions Multi-life programs Pay by credit card

29. Form #S502-305 For Agent Use Only Simplicity Target Markets Ages 40-65 Healthy couples (married or care partners) 40% discount Affiliations – up to 53% discount Employer Programs – 4 question Simplified Underwriting Executive Carve Outs 10 pay plans – C Corporations

30. Form #S502-305 For Agent Use Only Closing Great Company Great Product Why wouldn’t you sell Simplicity from MedAmerica?