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1 s by Age at Enrollment (800) New York Life Insurance Company New York Life Insurance Company, a Fortune 100 company founded in 1845, is the largest mutual life insurance company in the United States and one of the largest life insurers in the world. New York Life s family of companies offers life insurance, annuities and long-term care insurance. New York Life Investment Manment LLC provides institutional asset manment, retirement planning and trust services. Other New York Life affiliates provide an array of securities products and services, as well as institutional and retail mutual funds. Long-Term Care Insurance Policy New York Life Insurance Company offers both a Comprehensive Long-Term Care Insurance Policy and a Nursing Facility and Residential Care Facility Only Insurance Policy approved for use by the California Partnership for Long-Term Care. Both policies are intended to be federally tax qualified and as such have benefit eligibility triggers which include having a deficiency in 2 of 6 Activities of Daily Living (bathing, continence, dressing, eating, toileting and transferring), with that deficiency expected to last at least 90 days, or having a severe cognitive impairment. Full cover is available in the United States and its territories.

2 with 30-day elimination periods (deductibles) and comprehensive cover 45 Cover $180/day $1,159 $1,781 $2,230 $2,552 $4,030 $200/day $1,288 $1,979 $2,478 $2,836 $4,478 $220/day $1,417 $2,177 $2,726 $3,119 $4, Cover $180/day $1,427 $2,192 $2,744 $3,139 $4,932 $200/day $1,585 $2,435 $3,049 $3,488 $5,480 $220/day $1,744 $2,679 $3,354 $3,837 $6,028

3 with 30-day elimination periods (deductibles) and comprehensive cover 55 Cover $180/day $1,886 $2,889 $3,624 $4,145 $6,459 $200/day $2,096 $3,210 $4,027 $4,605 $7,177 $220/day $2,305 $3,531 $4,430 $5,066 $7, Cover $180/day $2,285 $3,492 $4,389 $5,015 $7,742 $200/day $2,539 $3,880 $4,876 $5,572 $8,602 $220/day $2,793 $4,268 $5,364 $6,129 $9,462

4 with 30-day elimination periods (deductibles) and comprehensive cover 65 Cover $180/day $2,938 $4,480 $5,638 $6,436 $9,839 $200/day $3,265 $4,978 $6,265 $7,151 $10,933 $220/day $3,591 $5,475 $6,891 $7,866 $12, Cover $180/day $3,920 $5,968 $7,519 $8,580 $13,041 $200/day $4,356 $6,631 $8,355 $9,533 $14,490 $220/day $4,791 $7,294 $9,190 $10,487 $15,939

5 with 30-day elimination periods (deductibles) and comprehensive cover 75 Cover $180/day $5,825 $8,895 $11,248 $12,849 $19,472 $200/day $6,473 $9,884 $12,498 $14,276 $21,635 $220/day $7,120 $10,872 $13,748 $15,704 $23,799 Important Definitions: Nursing Home: A nursing home is licensed to provide both skilled nursing and personal care. These facilities house the chronically ill, usually elderly patients, and provide long-term nursing care, rehabilitation and other services. Also called longterm care facility or nursing facility. Residential Care Facility for the Elderly or Residential Care Facility (RCF): These facilities provide room and board, assistance with personal care and any necessary supervision. They range in size from small, two- to six-bed mom and pop operations to facilities with over 200 living units. They are licensed by the California Department of Social Services. Elimination Period: A type of deductible; the length of time the individual must pay for covered services before the insurance company will begin to make payments. The longer the elimination period in a policy, the lower the premium. Home Care: Skilled nursing or other professional services in the residence, including, but not limited to, parttime and intermittent skilled nursing services, home health aid services, physical therapy, occupational therapy, or speech therapy and audiology services, and medical social services by a social worker. Facility-Only Policies: These policies cover skilled, intermediate or custodial care in a nursing home or similar facility. These policies also pay for board and care in an RCF. Comprehensive Long-Term Care Policies: These policies pay for nursing facility care, board and care in an RCF, and home- and communitybased care. These policies must include at least the following benefits: a nursing facility benefit, RCF benefit, home health care, adult day care, personal care, homemaker services, hospice services and respite care. Policy Assumptions: All premiums are annual and include 5 percent compound inflation Comprehensive policy with a 30-day elimination period 100 percent nursing home, residential care facility and home care cover Standard premium rates with no discounts Estimated for a single (not married) individual Possible Riders: Nonforfeiture Benefit Rider Shared Care Benefit Rider Survivorship & Waiver of Premium Benefit Rider Waiver of Home Health Care Elimination Period Rider

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