Savers Advantage Home Health Care Insurance. Agenda ▪ Introduction to Standard Life And Casualty Insurance Company (Standard) ▪ Why Sell Savers Advantage

Savers AdvantageHome Health Care

Insurance<Date>

Agenda▪ Introduction to Standard Life And Casualty Insurance

Company (Standard)

▪ Why Sell Savers Advantage Home Health Care Insurance

▪ Application Kit

▪ Post-Enrollment Materials

▪ Agent Support

PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 2

Introduction to Standard


▪ Founded in Rock Hill, SC in 1947

▪ Headquarters in Salt Lake City, UT

▪ Licensed in 20 states

▪ Diverse and competitive product offering


Standard

Licensed States


Standard Strengths▪ Broad Product Offerings▪ Home Health Care

▪ Short-Term Medical

▪ Final Expense

▪ Ancillary Products: Accident, Cancer, Critical Illness

▪ Excellent Customer Service

▪ Daily Agent Commission Payments

▪ Financial Stability & Longevity


Standard Product Availability


Life(Final Expense)

Life(GDB) Accident Cancer Critical Illness

Medicare Supplement

Short-Term Medical

Alabama AL Y AP Y Y Y Y YArkansas AR AP APColorado CO Y YFlorida FL YGeorgia GA Y APIndiana IN Y AP Y YKentucky KY Y AP Y Y Y Y YLouisiana LA Y Y Y Y Y6Mississippi MS Y AP Y Y Y YMissouri MO AP AP Y YNevada NV Y AP YNorth Carolina NC Y YNorth Dakota ND YOhio OH AP APOklahoma OK AP APSouth Carolina SC Y Y Y YSouth Dakota SD Y AP Y Y6Tennessee TN Y Y Y Y YTexas TX Y AP Y Y Y Y YUtah UT Y AP Y

Y = Approved, available to sellY6 = 6 Month STM Approved, availabale to sellAP = Approved & pending offi cial launch

Product

State

Legend

Why Sell Savers Advantage Home Health

Care (HHC) Insurance


Home Health Care Market▪ People prefer to recover at home instead of a nursing

home

▪ 1 in 5 people by the year 2030 will be 65 years old or older

▪ However, HHC services not just utilized by Medicare-eligible individuals

▪ Approximately 12 million people currently receive home care services

▪ Annual HHC services spending is greater than $72 billion


General Plan Description▪ Two basic plans: Classic & Deluxe (1 unit vs. 2 units)▪ Home Health Care Services, Aide Services, & Prescription Drug

Benefit

▪ Restoration of Benefits (if no benefits paid nor required for 180 days)

▪ Extra Benefits Rider available▪ Annual Physical Exam

▪ AD&D

▪ Home Medical Equipment

▪ Guaranteed renewable for life

▪ 2 people can apply using 1 application

▪ State variations exist – see policy for state-specific details


Home Health Care BenefitsClassi

cDelux

e

Daily Home Health Care Benefit Maximum

$150 $300

Daily Home Health Care Aide Benefit*

$40 $80

Policy Year Rx Drug Benefit Maximum

$300 $600

Per Script (Brand) $25 $25

Per Script (Generic) $10 $10


▪ Maximum benefit period applies & varies by state – see policy.

▪ Health Care Aide Benefit requires a prior hospital confinement of not less than 3 days.

Daily Home Health Care Benefit▪ Payment up to

the daily maximum benefit.

▪ Maximum benefit period varies by state – see policy

▪ Subject to eligibility conditions

Classic

Deluxe

Skilled Nursing Care (RN) $75 $150

General Nursing Care (LPN, etc.)

$60 $120

Physical Therapy $75 $150

Speech Pathology $75 $150

Occupational Therapy $75 $150

Chemotherapy Specialist Services

$60 $120

Enterostomal Therapy $50 $100

Respiration Therapy $50 $100

Medical Social Services $100 $200PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 12

Extra Benefits Rider▪ Annual Physical Exam▪ Benefit of $150 per 12-month period

▪ Initial 12-month waiting period applies

▪ AD&D▪ $10,000 Accidental Death benefit

▪ Dismemberment benefits available per schedule

▪ Home Medical Equipment▪ Benefit up to $500 (one time per policy)

▪ Used for required home medical equipment

▪ Subject to eligibility conditions


Savers Advantage HHC Ins. Availability


Application Kit


Application Kit Components▪ Fax Cover Sheet Checklist

▪ Application▪ Applicants

▪ Underwriting

▪ Payment Mode/Policy Selected

▪ Agreements, Authorizations & Signatures

▪ Important Notice to Persons on Medicare

▪ Outline of Coverage


Application Reminders▪ Use Application Kit to take application

▪ Properly complete and sign the application

▪ Include all required documents

▪ Submit completed application to Standard▪ Mail

▪ Fax

▪ Electronically


Post-Enrollment Materials


Policy Materials▪ Welcome Letter

▪ Policy


Agent Support


Agent Support▪ Toll Free: 1-800-327-0695

▪ [email protected]

▪ Monday to Friday▪ 8am to 4:30pm MT

▪ Close on Friday at 4pm for team meeting

▪ Agent Portal▪ https://sl-agentlink.com/

▪ Standard Website▪ http://www.slacins.com/


Thank You!


Documents

Savers Advantage Home Health Care Insurance. Agenda ▪ Introduction to Standard Life And Casualty Insurance Company (Standard) ▪ Why Sell Savers Advantage