Term Made Simple. Term Life Insurance with Year Level Premium Periods. Agent Use Only: Not for Public Distribution

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1 Term Made Simple Term Life Insurance with Year Level Premium Periods

2 Why Term Made Simple? Simple to Apply (for Agent & Applicant) Simple to Design (Flexible Features) Simple to Work with (Agent Friendly Home Office)

3 Simple to Apply: No Exam, Blood Work or HOS 2 Page Application Sales Can be Completed Over the Phone Provide Quotes Using: Software available on-line or available for download Pre-calculated sheets MIB, Pharmacy Checks & MVRs performed in minutes Point of Sale Underwriting Decisions

4 Simple to Customize: 4 Term Durations to Choose From Attractive Optional Riders such as Disability Income & Critical Illness Coverage amounts range from $50K up to $400K No Cost Riders Included: Terminal Illness Confined Care Chronic Illness

5 Simple to Work With: Agent Friendly Home Office Focused on Customer Service Agent E-file (Website for Agents) Notifications Direct Access to Underwriters

6 Term Made Simple Policy Specs Simplified issue / Non-Med Term Life Insurance 4 Guaranteed Level Premium Periods to Chose From: 10 Year 15 Year 20 Year 30 Year Issued Standard through Table 4 (Accept/Reject ) / No Table Ratings Convertible (up to age 75) to any Whole Life Plan Issued by the Company, without Evidence of Insurability Annually renewable to age 95 after the selected term period

7 Term Made Simple Policy Specs Issue Ages (Last) Term Duration Ages 10 Year Level Premium Year Level Premium Year Level Premium Year Level Premium Minimum $50,000 face amount or $20.00/ monthly premium,(excluding riders) whichever is greater Maximum - $400,000 face amount Premium Rate Classes: Preferred Non-Tobacco Standard Non- Tobacco Standard Tobacco Modal Factors Monthly.09; Qtrly.265; Semi-Ann.52 $70 Annual Policy Fee (Commissionable)

8 Term Made Simple Available Riders Disability Income Rider: Pays a monthly benefit to the insured in the event the insured becomes totally disabled: Defined: Disability which keeps you from being able to perform the major duties of your regular occupation as a result of such injury or disease. Issue Ages: Monthly Benefit is 2% of the Face Amount, not to exceed $1,500 (if annual income is below $25,000, the benefit cannot exceed $900 per month) The Benefit Period Runs for 2 Years 60 Day Elimination Period and the Benefits are not Retroactive Ineligible Occupations listed in Agent Guide Rider terminates at age 60 (unless benefit period is in effect)

9 Term Made Simple Available Riders Critical Illness Rider: Provides a cash benefit to the insured upon the diagnosis of a covered critical illness: Available at 25%, 50% or 100% acceleration of death benefit Requires disclosure form no to be left with the applicant Issue Ages: Rider coverage expires at age 70 Covered Illnesses: - Heart Attack - Coronary Artery Bypass Graft (10% of DB) - Stroke - Invasive Cancer - Kidney Failure - Major Organ Transplant Surgery - Paralysis - Blindness - Terminal Illness - HIV contracted performing duties as professional healthcare worker

10 Term Made Simple Available Riders Waiver of Premium Disability Agreement: Waives the payment of each premium (including riders) in the event of total and permanent disability. Rider coverage expires at age 60 (unless rider is in effect). Issue Ages Waiver of Premium for Unemployment Rider Waives the payment of each premium (including riders) in the event the insured becomes unemployed (receiving state or federal unemployment benefits) while the policy is in force. Rider coverage expires at age 65 or at the end of the policy level premium paying period (unless rider is in effect). Issue Ages: 20 60

11 Term Made Simple Available Riders Children s Insurance Agreement: Provides $3,000 per unit (max 5 units) on each child until age 25. Convertible up to 5 times the initial coverage. Benefit expires at the earlier of primary insured s age 65, or the child s age 25. Issue ages: Children 15 Days 17 years Primary Insured Accidental Death Benefit: An additional benefit paid to the beneficiary if the insured dies as the result of an accident. Available up to $200,000 or 5 times the face amount of the policy, whichever is less. Benefit expires at age 65. Issue Ages 18-64

12 No-Cost Rider Terminal Illness Accelerated Benefit Rider: Insured can elect to receive up to 100% of the death benefit when diagnosed with a life expectancy of 24 months* or less. Automatically included with every policy issued (you do not need to apply for rider on the app) Remember to leave disclosure statement Form 9474 with the applicant at point of sale. * 12 months in CA, CT, DC, DE, FL, ND & SD

13 No-Cost Benefit Accelerated Benefits Rider - Confined Care*: Triggered if Insured becomes a Full Time, Permanent Resident in Nursing Home Insured can elect to receive a Fixed Monthly Payment equal to 2.5% of policy face amount After each payment is received, the remaining death benefit and the Base Premium are reduced accordingly Automatically included with every policy issued, where available* (you do not need to apply for rider on the app) Remember to leave disclosure statement Form 9675 with the applicant at point of sale * Not available in: CT, DC, IN, MA, NJ, VA or WA.

14 No-Cost Benefit Chronic Illness Accelerated Death Benefit Rider With this benefit a portion of your death benefit (up to 95%) can be accelerated early if an authorized Physician certifies that the proposed insured is chronically ill. After each payment is received, the remaining death benefit and the Base Premium are reduced accordingly Chronically Ill being defined as: 1) Unable to perform, w/o substantial assistance from another person, at least two ADL s for a period of at least 90 consecutive days due to loss of functional capacity; or 2) Requiring substantial supervision for a period of at least 90 consecutive days by another person to protect oneself from threats to health and safety due to Severe Cognitive Impairment Automatically included with every policy issued, where available (you do not need to apply for rider on the app) Remember to leave disclosure statement Form 3230 with the applicant at point of sale * Not available in: CT, DC or FL

15 Term Made Simple Sales Materials Agent Guide - Form # 3237 Application - Form # 3188 Application for Children s Insurance Rider Form # 3215 Quick Quotes Money Purchase Sheets - Form # 3228 Accelerated Living Benefit Rider Disclosure - Form # 9543 (if Critical Illness is applied for) Brochure - Form # 3236 Terminal Illness Rider Disclosure - Form # 9474 Confined Care Rider Disclosure - Form # 9675 Chronic Illness Rider Disclosure - Form # 3230 Bank Authorization - Form # 9903

16 Underwritten Standard Through Table 4 Application Information Telephone Interview (required on all applications) MIB Pharmacy Database Check Motor Vehicle Report (MVR) Client s Build Standard rates charged through Table 4 No Table Ratings / Accept-Reject Basis

17 Term Made Simple - Preferred Underwriting Some general items to keep in mind if applying for Preferred Non-Tobacco rates*: Have not used tobacco or nicotine products within the past 36 months Unique Build Chart for plan Longer look back periods on certain health conditions Longer look back periods regarding drug & alcohol abuse * For a complete description of the Preferred Underwriting Guidelines, please see page 15 of the product agent guide.

18 PREFERRED UNDERWRITING GUIDELINES To be eligible for Preferred class, the proposed insured must answer NO to the following questions: Have you used tobacco or nicotine products in the past 36 months? Using the Height & Weight Table below, does your weight exceed the minimum or maximum weight corresponding to your height? In the past 10 years, have you taken medication to treat high blood pressure or an elevated cholesterol level?* In the past 10 years, have you had, been tested for, received treatment or been told by a medical professional that you have diabetes, cancer or cardiac disease (heart attack, myocardial infarct, angina, cardiac insuf ficiency, cerebral thrombosis or coronary artery disease)? Has more than one member of your family (father, mother, brother or sister) died before age 60 from breast, colon, intestinal or prostate cancer, or from cardiovascular disease (heart attack, myocardial infarct, angina, cardiac insufficiency, cerebral thrombosis or coronary artery disease)? In the past 10 years, have you been treated for alcohol abuse? In the past 10 years, have you been treated for drug abuse or used any drugs not prescribed to you? In the past 5 years, have you had more than 2 moving motor vehicle violations or any DUI/DWI convictions? In the past 5 years, have you been convicted of a felony or misdemeanor? *Note: These are guideline criteria. We may consider an exception to one of these guidelines (i.e., elevated blood pressure or cholesterol but not both) if the condition is under control and the applicant has no other impairments.

19 App Completion- Health? s

20 Build Chart (applications for Standard Non-Tobacco & Tobacco rates)

21 Term Made Simple: Telephone Interview (Required with every sale) Point of Sale (Preferred Method) Completed at Time of Application from Client s Home Call MRS using Toll Free Number: (855) Identify Yourself, Company, Product Being Applied for (Term Made Simple). Also advise if Preferred Non-Tobacco rates are being applied for. Applicant Completes the Rest of the Interview on their own Point-of-Sale Underwriting Decisions provided Indicate on Application that Interview has been completed Results of Interview Transmitted to Home Office electronically

22 Term Made Simple: Telephone Interview (Required with every sale) If cannot be completed Point-of-Sale Indicate on Application that Interview has NOT been completed, and provide Applicant s Phone #, and a Best Time to Call Vendor (EMSI) will contact Applicant to complete Interview or schedule a time to complete Results of Interview Transmitted to Home Office electronically

23 Term Made Simple Underwriting Medical Information Bureau (MIB) Member Companies report conditions to MIB database during the underwriting process Our Company accesses the MIB database on all Term Made Simple applications MIB replies can trigger additional underwriting requirements if additional information can not be obtained (i.e. APS s, Exams, etc. )

24 Term Made Simple Underwriting Pharmaceutical Database Check Check of National Pharmacy Databases Databases are checked on every Term Made Simple Application Provides information on medications / prescriptions taken by the Applicant May trigger additional underwriting requirements if additional information can not be obtained (i.e. APS s, Exams, etc.)

25 Term Made Simple Underwriting Motor Vehicle Reports (MVR s): Checked on every Term Made Simple Application Provides information on the applicant s drivers license status, driving record, etc. May trigger additional underwriting requirements if additional information can not be obtained (i.e. APS s, Exams, etc.)

26 Field Underwriting Tools Available in the Agent Guide Medication Listing Impairment (Condition) Listing Build Chart

27 Agent Guides for Table 4 Products Medication Listing Example Common Use(s) Rx Fill Criteria (if applicable) Plan Eligibility Medication Intron-A Common Uses Cancer RX Fill Within 8 years >8 years Plan Eligibility Decline Standard Hepatitis C N/A Decline

28 Agent Guides for Table 4 Products Impairment Listing Example Criteria Plan Recommendation Indicates Question # on Application Condition /Concern Hypertension (High Blood Pressure) Criteria Controlled with 2 or less medications, provide current BP reading history Uncontrolled or using 3 or more medications to control Life DI Rider Critical Illness Rider Question on App Standard Standard Standard Sec A, 1a Decline Decline Decline Sec A, 1a

29 App Completion/Submission Good Field Underwriting is essential to avoid unnecessary Underwriting delays Always Fully Complete All Required Sections and Questions Provide Complete Details to Yes answers on health questions. List any Medications currently being taken and their associated conditions If additional space is needed for details regarding health questions or medications, please provide on a separate sheet of paper and submit with app Telephone Interview Completed at Point of Sale always answer either Yes or No

30 App Completion/Submission All Applicants must Complete: Section A (Questions 1 through 4), & Section C (Questions 1 through 5) Provide details in Section B

31 Options for Completing the Application Face to Face Sales Paper Application Mobile Application ( Sales Over the Phone Complete an on-line application and record a voice signature with the applicant. For more information see the Producers Guide to Phone Sales document on the Order Supplies section of the company website.

32 Term Made Simple Summary Simplified Issue Term (No Medical Exam Required) Simple Yes/No Application (2 page) Up to $400,000 of coverage available 10/15/20/30 Year Guaranteed Level Premium Plans Optional Critical Illness and Disability Income Riders Confined Care, Chronic & Terminal Illness Included- No cost Policy is Convertible to Whole Life Plan w/o Evidence of Insurability After Level Premium Period, Policy Can be Kept to Age 95 Highly Competitive Premiums & Compensation

33 Questions??? Agent Use Only: Not for public distribution

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