2. Partnering with Assurity

3. About Assurity 120-year legacy—three Lincoln, Neb.-based insurance companies dating back to the 1890s A- (Excellent) rating from A.M. Best Company* More than $2.4 billion in assets under management Specializing in disability income, critical illness, life insurance and annuity products Focus on middle-income Americans *A.M. Best Ratings range from A++ (Superior) to F (In liquidation)

4. Assurity’s Strengths Proven, broad portfolio of individual and worksite insurance products Comprehensive sales support Competitive commissions Long-lasting business relationships Exceptional service from experienced underwriters and claims payers Regional sales teams staffed with product, sales and competition experts

5. Assurity Disability Insurance

6. Assurity Balance Disability Products Designed for middle-income marketplace. Focus on blue, gray, and white collar occupations. Designed with flexibility to meet the specific needs of your clients.

7. 18 percent of consumers remember their agent mentioning income protection. Source: LIMRA –2009

8. MARC, 2011 80% - 70% - 60% - 50% - 40% - 30% - 20% - 10% - 0% - PhysicianDentistAttorneyExecutiveProfessionalManagersMiddle Income 75 10 5 0 Percent who have disability insurance Number of people, in millions Market Opportunity

9. Successful Disability Producer Has conviction Asks the right questions Presents the right solution Manages the expectation Understands the underwriting process Knows product changes and sales opportunities

10. Conviction 1. Believe in the product 2. Own disability insurance on yourself 3. Have a story to tell, www.protectyourpaycheck.org 4. Set a goal and be committed to it

11. Assurity has been committed to DI for more than a century. Focus on Disability Income

12. AssurityBalance ® PDI-California Qualifications  Issue ages 18-60 (age nearest)  Working full-time (30 hrs/week)  Meeting the minimum income requirements ($2,000/month) “For Agent Use Only”

13. AssurityBalance ® PDI- California General Guidelines - Class 4A - $9,000 (1, 2 & 5) Class 3A - $9,000 (1, 2 & 5) Class 2A - $7,500 (1, 2 & 5*) Class 1A - $6,000 (1, 2 & 5*) Elimination periods of 30, 60, 90, 180 and 365 days** available *Ages 56-60 are limited to a 1 or 2 year benefit period **The Elimination Period for the Supplemental Disability Income Rider will be the same as the Elimination Period for the base policy unless the Insured is covered under the California State Disability Insurance Program. Employees covered under this plan will have a mandatory 365-dayElimination Period for the Rider. “For Agent Use Only”

14. AssurityBalance ® PDI- California Optional Riders Supplemental DI Rider (SDIR) Automatic Benefit Increase (ABIR) Recovery Benefit Rider Return of Premium Rider “For Agent Use Only”

15. SDIR Rider Supplemental DI (SDIR) – Provides additional monthly benefit which is offset dollar for dollar with any legislated social insurance benefits received. Social Security Worker Comp Government Retirement and Disability Railroad Retirement and Disability

16. SDIR Example Valid claim begins, Assurity provides the contractual payments of $3,000 per month. Now Social Security DI approved and will pay $500 per month. Policy has a $3,000 monthly benefit $2,000 Base Benefit + 1,000 SDIR $3,000 Assurity Pays: $2,000 Base Benefit $500 SDIR Social Security DI Pays: $500 TOTAL MONTHLY BENEFIT: $3,000 ($2,500 Assurity, $500 SSDI)

17. Return of Premium Rider provides a return of premium paid for policy and certain riders, less any claims paid, according to a schedule. 100 percent of premiums may be returned to policy owners that were ages 18-44 at issue if the policy lapses after 25 or more years. 50 percent of premiums may be returned to policy owners that were ages 45-55 at issue if the policy lapses after 10 or more years. Return of Premium Rider

18. Return of Premium schedule For insured persons ages 18 through 44 Completed Policy Year Return Percentage Completed Policy Yr Return Percentage 10%1460% 20%1563% 35%1667% 48%1771% 59%1874% 613%1978% 722%2082% 830%2185% 936%2289% 1042%2392% 1147%2496% 1251%25+100% 1356% For insured persons ages 45 through 55 Completed Policy Yr Return Percentage 10% 2 35% 48% 59% 613% 722% 830% 940% 10 +50%

19. Your existing clients Prospects

20. Your existing clients Prospects

21. Self-employed

22. Prospects Anyone with a mortgage

23. Prospects One simple question: Do you rely on your income to pay for your rent, car, groceries or bills?

24. DI Sales Ideas The DI GAME is a simple needs analysis for you to use with your customers. Just ask them one simple question… If you become sick or injured and can no longer earn an income, how would you pay for your basic expenses? (such as Groceries, Auto, Mortgage and Electricity) Brochures and a video are available. Visit AssureLINK to get started. This concept can be used for all Assurity DI products.

25. Illustration Checklist

26. The premium should be 1 to 3 percent of the prospect’s annual income.

27. DI Sales Ideas These brochures can be used for all Assurity DI products. Occupation Consumer Brochures Farmers/Ranchers Contractors Truck Drivers Police Officers Cosmetologists Postal Workers Dental Hygienists Railroad Employees Firefighters, Parameds, EMTs Generic (for any occupation) Nurses Pastors Teachers Real Estate Government Employees Transportation Workers

28. Assurity Critical Illness

29. Critical Illness Insurance Invented by Dr. Marius Barnard in South Africa in 1983. Marius assisted his brother, Christian, in first successful heart transplant. CI coverage was created to help those who survive critical illnesses financially recover.

30. Why sell critical illness insurance? Broker income potential Low current market penetration Door opener Current clients are a market Client retention Purchaser typically is also the claimant Superior referrals—at time of claim

31. Old vs. new or modern planning Question: What is the right insurance product for cancer, heart attack, stroke, etc.? Old planning… New or modern planning…

32. Issue ages: 18 to 59 $5,000 to $50,000 in benefits available 12 conditions covered Guaranteed renewable to age 75 Riders include: –Return of Premium Rider –Disability Waiver of Premium Rider –Accidental Death Benefit Rider –Spouse Critical Illness Benefits Rider –Children’s Critical Illness Benefits Rider Simplified Critical Illness Basics

33. Simplified Critical Illness 12 covered conditions

34. Fully underwritten Critical Illness basics Issue ages: 18 to 64 $50,000 to $500,000 in benefits available 21 conditions covered Guaranteed renewable for life Riders include: Disability Waiver of Premium Rider Accidental Death Benefit Rider Spouse Critical Illness Benefits Rider Children’s Critical Illness Benefits Rider Policy form I H0820 or CI 007 Product availability, rates and features may vary by state.

35. Fully underwritten Critical Illness 21 covered conditions

36. Questions?