LTC/Chronic Illness Rider Features Comparison All carriers shown may not be available. Please check your approved carrier list before proceeding.

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1 Allianz LTC Accelerated Rider Unable to perform 2 of 6 ADL's Beginning at age 65, requiring continuous Unable to perform 2 of 6 ADL's Needs "Substantial Supervison" due to confinement in a LTC facility or under a written Needs "Substantial Supervison" due to cognitive impairment plan of home care, and stay for rest of life. cognitive impairment Life Pro+ IUL LifeScape Premier UL Assurity Life Accelerated DB - LTC/Home Care Option Athena UL AXA Equitable LTC Services Rider Athena IUL Incentive Life Legacy II Incentive Life Optimizer II Type Ages 0-75 Automatcally included on all policies Available beginning at age 65 Ages Standard classes or better, no permanent or All classes Standard classes or better, no permanent or temporary flat extra premiums temporary flat extra premiums unless Waiver of Premium is chosen and Yes client is totally disabled Monthly benefit: 1%-4%, up to $10,000 Up to 50% of net amout of insurance or 36 Mo. benefit: 1% or 2% ages Lifetime max of $1 million monthly payments of 2% of net amount of Mo. benefit: 3% ages insurance Acceleration % DBO A: 20%-100% Acceleration % DBO B: 100% Max benefit of $5m Home health care Nursing home LTC facility Home health care Nursing home Assisting living facility Home health care Assisting living facility Other qualifying service Other qualifying service Carrier calls client to verify still in facility Yes, every 12 months Dollar for dollar reduction when benefits are paid is called "Accumulated Lien" Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 1 of 7

2 Type ING Accelerated Rider Qualifying medical/physical condition or life Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's expectancy of 12 months or less from the date Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to of receipt of a Physician Statement cognitive impairment cognitive impairment ING UL-CV Accumulation UL Legacy Secure II UL ING IUL-CV Accumulation VUL Indexed UL Premier Life UL-G Ultra IUL Ultra Plus Whole Life II Same as product Ages Same as product Same as product N/A t available if rated higher than 175% or All classes issued w/ a flat extra 100 days (varies by state) 12 months in Nursing Care Facility John Hancock LTC Rider/LTC Continuation Rider Reimbursement Accelerated DB (Permanent Confinement) Lincoln Life Minimum benefit: $10,000 1%, 2%, or 4% Monthly Acceleration % Max payout is lesser of 80% of death benefit or Max benefit: lesser of 50% of death benefit or Max monthly benefit: $50,000 $250,000; minimum payout is $5000. $1,000,000 Max policy face: $5m (depending on Monthly Minimum face amount remaining after a Acceleration %) payment is $4,000 and a maximum of three payments may be made. Continuous confinement in an eligible institution Home health care Hospice center Nursing Care Facility and stay for rest of life Assisting living facility Nursing home Medical condition needing extraordinary care Yes, using LTC Continuation Rider; max is lesser of $25,000 or 10% of the face amount in effect prior to claim additional cost for the rider Advantage List: access to competitive rates at participating care providers Seniorlink: provides resources and advice Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 2 of 7

3 Type LifeEnhance Accelerated s Rider Accelerated Rider Chronic Illness Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to cognitive impairment cognitive impairment cognitive impairment Lincoln VULe (2012) LSW Foundation UL LSW Secure Plus Adv. 79 IUL Eclipse IUL Lincoln LifeReserve IUL Accumulator LSW IncomeBuilder UL Eclipse Protector IUL LSW SecurePlus Paragon IUL LSW SecurePlus Provider IUL LSW Guaranteed Level Term LSW n-guaranteed Level Term Ages Ages $5,000,000 max face $2,000,000 max face Same as product Ages All classes up to Table D All classes Preferred thru Table D ne Charges for rider cease, charges on policy continue; premiums should be continued Charges for rider cease, charges on policy continue; premiums should be continued Reimbursement Up to 100% of death benefit with payment Rider must be in-force for 2 yrs before used Monthly benefit: lesser of 2% or 4% of LTC options of: Monthly benefit: 2% of DB specified amt or HIPAA daily amt x's days in 1. Monthly increments of the lesser of 2% of Lifetime max: $1 million month. gross DB or IRS per diem x's days in month. LTC Agreement total must be between 10% 2. e-time lump sum, discounted for mortality and 100% of face amount to max of $5,000,000 and interest Used at the insured's discretion may be used wherever chosen Home health care Nursing home Lincoln Life Assisting living facility Informal caregiver If the life insurance face amount is depleted, beneficiaries still receive minimum DB of 10% of face amount. If the minimum DB provision applies, the max amount of DB beneficiaries may receive is $25,000. Yes, every 12 months Yes, required at least annually ce benefit payments begin, policy wion't Rider can be added after issue Must first complete state-required training before lapse as long as rider is in force Life of Southwest (SAM Group) Yes, if Extension of s Rider is selected Minnesota Life Long Term Care Agreement LTCA can be sold Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 3 of 7

4 Type Mutual of Omaha/United of Omaha Nationwide rth American Accelerated DB for Chronic Illness LTC Rider Chronic Illness Accelerated Rider Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Confined to a qualified inpatient home for 90 Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to days or more cognitive impairment cognitive impairment AccumUL Plus YourLife NLG UL YourLife SPUL Custom Guarantee Guaranteed UL YourLife Current Assumption UL Custom GrowthCV GUL Express YourLife Indexed UL Custom TermUL GUL Plus YourLife Accumulation VUL Guarantee Builder IUL Legacy SPL YourLife Protection VUL Rapid Builder IUL Same as product Ages To age 75 Same as product All classes up to 5 Tables, no flat extras All classes up to Table 4, no flat extras Yes Up to $250,000 lump sum less actuarial Monthly benefit: lesser of 2% of LTC specified Minimum amt at each election is lesser of 5% discount; after acceleration the remaining DB amt or HIPAA daily amt x's days in month of DB on the initial election date or $75,000. must be greater than or equal to $50,000 Lifetime max: equal to lesser of LTC Specified Max amt at each election is lesser of 24% of Amt and base policy Specified Amt (including DB on the initial election date or $240,000. the Addl Protection Rider) minus policy Lifetime max: $1,000,000 Indebtedness. Nursing home Home health care Nursing home may be used wherever chosen Assisting living facility Other qualifying service After 100% of death benefit is used, 10% of original policy death benefit is paid at death. ; however, the client must maintain greater of 5% of DB available when initial election was made or $10,000 acceleration plus $100 charge for enactment of the rider Yes, annual review, w/ recertification only as often as reasonably necessary; paid by Nationwide acceleration plus $200 admin fee applied for each election will be paid either as lump sum or will Nationwide Care Guide Network: LTC referral Payments can be lump sum or 2x's per year be deposited into an account and the client service can access as long as money is available Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 4 of 7

5 Pacific Life Premier Living s Rider IRC 101(g) Unable to perform 2 of 6 ADL's Needs "Substantial Supervison" due to cognitive impairment IUL- PIA 4, PIPLT, and Prime IUL VUL-SE V and Prime VUL UL- Versa Flex Pro II (CV and DB), Versa Flex NLG, Prime UL-NLG, and Prime UL IRC 101(g) Unable to perform 2 of 6 ADL's Needs "Substantial Supervison" due to cognitive impairment Penn Mutual Chronic Illness Accelerated Rider All permanent products except SVUL can be added to some in-force policies Ages Ages Risk Class Table E or Better All classes up to Table 4, flat extras up to $10 ne 2 years Type Accelerates up to 24% of death benefit Minimum: $400 month ($4,800 per policy yr) annually (2% if monthly), not to exceed Max: lesser of $240k per policy yr, 24% of 125% of the IRS per diem limit. eligible death benefit, or IRS per diem amount. Entire death benefit may be accelerated up to Lifetime max: $5 million the $1.5 million lifetime maximum may be used wherever chosen may be used wherever chosen $50k of DB must remain in force Can be added to qualifying in-force policies Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 5 of 7

6 Protective Prudential Chronic Illness Accelerated DB Rider ExtendCare Rider Living Needs Rider Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Confined to nursing home for 6 months Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to Terminally ill w/ 6-month life expectancy cognitive impairment cognitive impairment Organ transplant ProClassic UL Custom Choice UL All individual term and permanent life policies Advantage Choice UL Ages Ages Same as product All classes to Table 4 All classes to Table 4 Same as product 90 or 365 days 90 or 365 days 6 months (nursing home usage only) Yes Yes Type Monthly benefit: $1000, $2500, $5000, $7500; Monthly benefit: $1000-$9600; cannot Nursing home: 70%-80% of full face amount cannot exceed 5% of base policy face amount exceed 5% of base policy face amount Organ transplant: 90%-95% of full face amt Lifetime max: lesser of $1 million or 90% Lifetime max: 100% of death benefit up to Terminal illness: 90%-95% of full face amt of death benefit $5m face amount may be used wherever chosen LTC facility Nursing home Home health care Organ transplant Informal caregiver Terminal illness acceleration plus $150 charge for enactment of the rider, unless the claim period designated and agreed to by the policyowner has expired Payments can be monthly or lump sum Payments can be monthly or lump sum Insured and Pru setup desired claim period Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 6 of 7

7 Symetra ADB for Cognitive Impairment and Limited ADL Transamerica LTC Rider Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Unable to perform 2 of 6 ADL's Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to Needs "Substantial Supervison" due to cognitive impairment cognitive impairment cognitive impairment Classic UL TransACE 2012 Trendsetter LB Transamerica Living s Ages Ages Same as product Automatic on all Preferred and Standard cases All classes up to Table D Same as product Yes Type Min. benefit: lesser of 50% of DB or $10,000 Monthly benefit: Lesser of 2% of DB or Up to 24% of face amount annually Max benefit: lesser of 50% of DB or $250,000 HIPAA per diem Lifetime max: Lesser of 90% of face amount Lifetime max: $1 million or $500,000 Used at the insured's discretion LTC facility Hospice care Home health care Informal caregiver Lesser of $10,000 or 10% of lowest face loans amount of base policy less any outstanding policy additional cost for the benefit; subject to discount Yes additional cost for the benefit; subject to discount Yes Acceleration can be taken as a lump sum or LTC Rider charges are guaranteed not to is built-in to product paid in monthly payments for up to 10 yrs increase; will remain level for life of the policy Policy must be in-force for 2 yrs before benefit can be used Copyright 2012 Crump Life Insurance Services, Inc. Last Updated 12/13/2012 Page 7 of 7

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