COMPLETE DISABILITY PRODUCT COMPLETE DISABILITY PRODUCT PORTFOLIOPORTFOLIO

Individual CoverageIndividual Coverage

True “Own Occupation” DefinitionTrue “Own Occupation” Definition

Business Overhead ExpenseBusiness Overhead Expense

Buy-SellBuy-Sell

Mortgage ProtectionMortgage Protection

Retirement CompletionRetirement Completion

Catastrophic BenefitCatastrophic Benefit

Blue Collar

High LimitHigh Limit

Impaired RiskImpaired Risk

The Three Areas of Disability The Three Areas of Disability UnderwritingUnderwriting

1.1. OccupationOccupation

2.2. CompensationCompensation

3.3. Medical HistoryMedical History

Government Employees Government Employees

Police and FiremenPolice and Firemen

Armed ForcesArmed Forces

Home Based Business Home Based Business

Newly Self-EmployedNewly Self-Employed

Young Professional LimitsYoung Professional Limits

Recovery BenefitRecovery Benefit

Qualified Sick PayQualified Sick Pay

Return of PremiumReturn of Premium

Group Supplement/ConversionGroup Supplement/Conversion

GROUP PLAN LIMITATIONSGROUP PLAN LIMITATIONS

BENEFITS ARE TAXABLE

IMPOSED CAP

NOT PORTABLE

RESTRICTIVE LANGUAGE

The Areas of Disability BenefitThe Areas of Disability Benefit

1. TOTALLY DISABLED AND NOT WORKING: 1. TOTALLY DISABLED AND NOT WORKING: (Cannot perform material and substantial duties of (Cannot perform material and substantial duties of YOUR job) (75% OR MORE OF INCOME LOST*) YOUR job) (75% OR MORE OF INCOME LOST*)

INDIVIDUAL: 100% OF MONTHLY BENEFIT INDIVIDUAL: 100% OF MONTHLY BENEFIT

(APPROX. 60% OF INCOME*)(APPROX. 60% OF INCOME*)

GROUP LTD: 100% OF MONTHLY BENEFIT GROUP LTD: 100% OF MONTHLY BENEFIT

(APPROX. 60% OF INCOME*)(APPROX. 60% OF INCOME*)

The Areas of Disability BenefitThe Areas of Disability Benefit

2. PARTIALLY DISABLED*, 2. PARTIALLY DISABLED*,

BACK TO WORK IN SAME JOBBACK TO WORK IN SAME JOB (*20% LOSS OF INCOME)(*20% LOSS OF INCOME)

INDIVIDUAL: % OF LOST INCOME x MONTHLY BENEFITINDIVIDUAL: % OF LOST INCOME x MONTHLY BENEFIT

GROUP LTD: % OF LOST INCOME x MONTHLY BENEFITGROUP LTD: % OF LOST INCOME x MONTHLY BENEFIT

The Areas of Disability BenefitThe Areas of Disability Benefit

3. TOTALLY DISABLED: 3. TOTALLY DISABLED:

(Cannot perform material and substantial duties of (Cannot perform material and substantial duties of YOUR job)YOUR job)

CAN WORK AT A NEW JOB:CAN WORK AT A NEW JOB:

INDIVIDUAL: INDIVIDUAL:

a. 100% OF MONTHLY BENEFIT*a. 100% OF MONTHLY BENEFIT*

b. % OF LOST INCOME x MONTHLY BENEFITb. % OF LOST INCOME x MONTHLY BENEFIT

GROUP LTD: 0GROUP LTD: 0

Executive Carve OutExecutive Carve Out

Multi –Life DiscountMulti –Life Discount

Spousal DiscountSpousal Discount

Work Site Marketing PlansWork Site Marketing Plans

Association ProgramsAssociation Programs

GSI/Simplified UnderwritingGSI/Simplified Underwriting

Simplified UnderwritingSimplified Underwriting

Maximum Benefit Amount: $2,500/monthMaximum Benefit Amount: $2,500/month

Maximum Issue Age: 50Maximum Issue Age: 50

Occupation Classes All; 3A & above preferredOccupation Classes All; 3A & above preferred

Elimination Periods:Elimination Periods:All; 90 days & above preferredAll; 90 days & above preferred

Simplified UnderwritingSimplified Underwriting

Benefit PeriodsBenefit PeriodsAll (2 years, 5 years, To Age 65)All (2 years, 5 years, To Age 65)Your Occupation PeriodsYour Occupation PeriodsAll (2 years, 5 years, To Age 65)All (2 years, 5 years, To Age 65)Sex Distinct Rates (except in MT)Sex Distinct Rates (except in MT)

Simplified UnderwritingSimplified Underwriting

Riders AvailableRiders Available

• • Automatic Increase Option/Automatic Benefit Automatic Increase Option/Automatic Benefit Increase*Increase*

• • Catastrophic Disability Benefit (1 to 1 ratio Catastrophic Disability Benefit (1 to 1 ratio maximum CDB/Base + SIS)maximum CDB/Base + SIS)

• • Mental/Nervous Substance Abuse Disorder Mental/Nervous Substance Abuse Disorder Limitation— only in states required**Limitation— only in states required**

• • Residual or Short Term Residual Disability Residual or Short Term Residual Disability BenefitBenefit

Simplified UnderwritingSimplified Underwriting

Discounts Available• MNSA — 10% - To Age 65 benefit period; 5% - 2 or 5 year benefit period — only in states required• Select Occupation — 10%Payment MethodsElectronic Funds Transfer (EFT) only

Simplified UnderwritingSimplified Underwriting

General Underwriting RequirementsSimplified DI application packet required. Tele App required.No routine medical requirements (blood, urine, exams, EKG ‘s or APS s) required* * *

1.800.945.97191.800.945.9719