Savers Advantage Home Health Care Insurance Date Agenda

Savers Advantage Home 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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 3

Standard ▪ Founded in Rock Hill, SC in 1947 ▪ Headquarters in Salt Lake City, UT ▪ Licensed in 20 states ▪ Diverse and competitive product offering PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 4

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

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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 6

Standard Product Availability PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 7

Why Sell Savers Advantage Home Health Care (HHC) Insurance PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 8

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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 9

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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 10

Home Health Care Benefits Daily Home Health Care Benefit Maximum Daily Home Health Care Aide Benefit* Policy Year Rx Drug Benefit Maximum Per Script (Brand) Per Script (Generic) Classic $150 $40 $300 Deluxe $300 $80 $600 $25 $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. PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 11

Daily Home Health Care Benefit ▪ Payment up to the daily maximum benefit. ▪ Maximum benefit period varies by state – see policy ▪ Subject to eligibility conditions PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) Skilled Nursing Care (RN) General Nursing Care (LPN, etc. ) Physical Therapy Classic $75 $60 $75 Deluxe $150 $120 $150 Speech Pathology Occupational Therapy Chemotherapy Specialist Services Enterostomal Therapy Respiration Therapy Medical Social Services $75 $60 $50 $100 $150 $120 $100 $200 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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 13

Savers Advantage HHC Ins. Availability PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 14

Application Kit PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 15

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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 16

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 PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 17

Post-Enrollment Materials PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 18

Policy Materials ▪ Welcome Letter ▪ Policy PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 19

Agent Support PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 20

Agent Support ▪ Toll Free: 1 -800 -327 -0695 ▪ Agent. Support@slacins. com ▪ Monday to Friday ▪ 8 am to 4: 30 pm MT ▪ Close on Friday at 4 pm for team meeting ▪ Agent Portal ▪ https: //sl-agentlink. com/ ▪ Standard Website ▪ http: //www. slacins. com/ PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 21

Thank You! PROPRIETARY & CONFIDENTIAL ~ FOR AGENT USE ONLY (5/2015) 22