Presented By: Mark Kirby Senior Long-Term Care Insurance Specialist

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2 Activities of Daily Living: Bathing Transferring Toileting Eating Dressing Continence Cognitive Impairment: Dementia / Alzheimer s Reasoning Orientation

3 Services Personal Care Homemaker Services Skilled Nursing Care Physical Therapy Settings Your Home Adult Family Homes Adult Day-Care Assisted Living Facilities Alzheimer s Facilities Nursing Homes

4 Anytime Auto Accident Sporting Accident Stroke Diabetes Arthritis Alzheimer s

5 Rates are based primarily on age, health & marital status Must health qualify. The younger you are the less costly your premiums will be. The younger you are the more likely to qualify for a Preferred Health discount. Gender Based Pricing Couples Discounts

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11 Your Doctor s Certification that you meet one of the following criteria: You Require Help with Two Activities of Daily Living (expected to last for at least 90 days) Bathing Transferring Toileting Eating Dressing Continence You Require Supervision Due to a Cognitive Impairment Dementia / Alzheimer s Reasoning Orientation

12 Who can help? Custodial care Skilled nursing care Physical therapy Where do you want to be? Your home (community based solution) Adult family homes Adult day-care Assisted living facilities Alzheimer s facilities Nursing homes

13 Required Basic Selections Daily or Monthly Benefits Benefit Period Elimination Period (Deductible) Inflation protection

14 Basic Benefits (DB) Daily Benefit from: $100 to $500/day (BP) Benefit Period: (Years) 1,2,3,4,5,6 or 10 Creates a Pool of Money for Long-Term Care DB x BP x 365 = Initial Pool of Money Example 1: $100 x 4 years (1460 days) = $146,000 Initial Pool Example 2: $200 x 4 years (1460 days) = $292,000 Initial Pool

15 Basic Benefits - Continued Elimination Period (Deductible): Choose from 0, 30, 60, 90, 180, 365 days Inflation Protection: GPO, CPI, 3% Compound, 4% Compound, 5% Simple or 5% Compound (state variations)

16 Optional Design Choices Shared Care Rider Spouse Premium Waiver Restoration of Benefits Return of Premium Additional company specific options are also available

17 Deficit Reduction Act of 2005 Gradually enacted Opening up of state partnership plans to all 50 states Increased Government Penalties Look back period extended from 3 to 5 years Excludes Medicaid coverage for those with significant home equity ($500K or $750K, depending on state)

18 You must have assets to protect Premiums should not change your lifestyle Deciding whether you need LTC insurance is a personal decision

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21 TO FIND THE BEST VALUE AND BEST SOLUTION FOR YOU, CONSIDER THE FOLLOWING: Your Health. It will ultimately determine if you are eligible for coverage. Underwriting can vary between LTC Insurance and Life Insurance. You may not qualify for LTCI, but may qualify for a Life Insurance based product. There are some Annuity products with simplified underwriting. Desire For Your Money Back. Some plans offer a Return of Premium that will refund any premiums paid to your beneficiary or estate less claims paid. Single Premium Payment. Would you like to pay for your policy with one single premium. This can protect against future rate increases or concerns of paying future premiums. Life Insurance Needs. If you have life insurance needs AND long-term care insurance needs, you can cover both. However, you could end up with no life insurance if you exhaust your policy benefits with long-term care expenses. Existing Life Insurance or Annuities: Cash value from an existing life insurance policy or annuity that could be repositioned through a 1035 exchange. NEXT STEPS: We will review sample plan options to provide you with costs based on your age and health. After our call, I will you follow up information: Sample Plans we reviewed Specific plans based on our discussion Any additional information we discussed SCHEDULE FOLLOW UP CALL: Review information and answer questions to narrow down plan option Confirm how you wish to move forward. If you are ready to move forward, we can schedule phone call to complete application to start the underwriting process If you are not ready, you can let me know how you prefer me to follow up with you. If your health records are current, the company will request medical records, and based on health history and age, will conduct a phone or in-person health interview. Other requirements may be required based on health history. Since you do have to health qualify for this coverage, it is important to secure your good health to protect against any future health changes. I look forward to assisting you with this important decision and guiding you through the application and underwriting process.

22 The Underwriting Process 6-8 weeks (much more strict than in the past) Application Telephone or face-to-face interview Health history of 5-10 years Current medications (Stability of condition) Hospital stays/emergency room visits Surgeries Lifestyle (Exercise, Smoker, Height/weight)

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