1. THIS IS AN OPTION FOR THE OPENING TITLE SLIDE Insurance Financial Planning Retirement Investments Wealth The Graduate Backpack 2015 Mapping the income need to the right solution

2. FINANCIAL security and safety … The Graduate Backpack SILSS Distribution Support

4. NB: ill-fitting = DISASTER The Graduate Backpack SILSS Distribution Support

5. Min & max cover limits Income Protection Benefits  Min: R3 000 per life insured p.m.  Max: R150 000 per life insured p.m. (to max of a % of Income according to sliding scale) Sickness Benefit (Max cover)  R200 000 per life insured p.m. (to max of % of GPI according to sliding scale): Income protection Income sliding scale Income (I) / Gross Professional Income (GPI) Up to and including 55 anb Older than 55 anb I/GPI ≤ R100 00090%77% R100 000 < I/GPI ≤ R 300 00085%72% R300 000 < I/GPI ≤ R 400 00080%68% R400 000 < I/GPI ≤ R 700 00075%64% R700 000 < I/GPI ≤ R 1 500 00070%60% R1 500 000 < I/GPI ≤ R 4 000 00065%55% R 4 000 000 < I/GPI60%51% Effectively 100% of after tax income The Graduate Backpack SILSS Distribution Support

6. Post-retirement Impairment Income (Whole of life) No WP Sickness Benefit Temporary Income Disability Overheads Expenses Protector Graduates – income protection spectrum Spouse Protector Child Protector Optional riders Short Term Income Benefits Long Term Income Benefits Income post-retirement Income after death Extended Disability Income Fixed cease age or Whole of Life Total & Permanent Disability Income 24-Month WP No WP Pre-retirement Impairment Income No WP Death Income No WP OR The Graduate Backpack SILSS Distribution Support

7. Income protection considerations Short term income benefits The Graduate Backpack SILSS Distribution Support

8. Income protection considerations Medium to long term income benefits The Graduate Backpack SILSS Distribution Support

9. questions