Standard Insurance Company The Standard Life Insurance Company

Fantasy • Many of us act as if we are superheroes. • We like

Reality Just over 1 in 4 of today’s 20 year-olds will become disabled before

How Does It Happen? These are examples of paid claims by The Standard and

The Need for Disability Insurance Common Disability Claim Causes Injuries/ Disease of Joints Mental

How Is Your Income Protected? Workers’ Compensation? Most disabilities are NOT job-related. In 2016,

How Is Your Income Protected? Long Term Disability Insurance • Coverage is usually limited

You Can Still Be a Superhero (and Protect Yourself and Your Loved Ones) 8

Individual Disability Insurance The Standard offers several options designed to provide monthly income in

You Can Count on The Standard If you ever become disabled and need to

You Can Count on The Standard A leader in disability insurance, you can be

The Standard is a marketing name for Stan. Corp Financial Group, Inc. and subsidiaries.

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Standard Insurance Company | The Standard Life Insurance Company of New York Income Protection Insurance 101 Individual Disability Insurance

Fantasy • Many of us act as if we are superheroes. • We like to believe that disabling accidents and illnesses won’t happen to us. Note in NY: This policy would provide disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Service. The expected benefit ratio is at least 65% for individual, franchise or guaranteed standard issue coverage. This ratio is the portion of future premiums which The Standard expects to return as benefits, when averaged over all people with the applicable policy. 2 December 8, 2020 15082 PPT (2/20) SI/SNY

Reality Just over 1 in 4 of today’s 20 year-olds will become disabled before reaching age 67. * • Unless we are independently wealthy, many of us depend on our ability to earn an income. • In the event of a long-term illness or accident happens, we could be facing harsh financial consequences. *Social Security Administration Fact Sheet, 2019 3 December 8, 2020 15082 PPT (2/20) SI/SNY

How Does It Happen? These are examples of paid claims by The Standard and are provided for illustration purposes only. This list is not intended as an inclusive representation of all claims paid by The Standard. The descriptions of the conditions listed are only general descriptions and having one or more of the listed conditions does not establish disability. Each claim submitted to The Standard is evaluated on its own merits and according to the terms of the applicable policy. 4 December 8, 2020 15082 PPT (2/20) SI/SNY

The Need for Disability Insurance Common Disability Claim Causes Injuries/ Disease of Joints Mental Disorders Back Conditions Cancer Nervous System Cardiovascular Nearly one-third of people with disability insurance say they have it because they know someone who is disabled. * * America's Income Protection Picture 2014 Disability Awareness Study 5 December 8, 2020 15082 PPT (2/20) SI/SNY

How Is Your Income Protected? Workers’ Compensation? Most disabilities are NOT job-related. In 2016, only 1% of American workers missed work because of an occupation illness or injury. * * Bureau of Labor Statistics, Employer-Reported Workplace Injuries and Illnesses (Annual) 2016, Table 1 Incidence rates of nonfatal occupational injuries and illnesses by industry and case types, cases with days away from work. 6 December 8, 2020 15082 PPT (2/20) SI/SNY

How Is Your Income Protected? Long Term Disability Insurance • Coverage is usually limited to 60% income replacement to a monthly dollar maximum plan cap • Benefits may be reduced by taxes • Coverage may exclude commissions and bonus income 7 December 8, 2020 15082 PPT (2/20) SI/SNY

You Can Still Be a Superhero (and Protect Yourself and Your Loved Ones) 8 December 8, 2020 15082 PPT (2/20) SI/SNY

Individual Disability Insurance The Standard offers several options designed to provide monthly income in the event you are unable to earn your usual income for an extended period of time: • Platinum Advantage GSI Find out more at standard. com 9 December 8, 2020 15082 PPT (2/20) SI/SNY

You Can Count on The Standard If you ever become disabled and need to make a claim, you’ll discover The Standard’s exceptional service and compassionate claims philosophy. The Standard’s goal is to give you the kind of expert, empathetic service its employees wish for themselves and their families. 10 December 8, 2020 15082 PPT (2/20) SI/SNY

You Can Count on The Standard A leader in disability insurance, you can be confident The Standard is financially strong and can pay what it promises – now and in the future. These policies have exclusions, limitations and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, please contact your insurance representative or Standard Insurance Company at 800. 247. 6888 (800. 378. 6057 in New York). ICC 17 -B 180, ICC 17 -B 180 GSI, B 180 GSI 11 December 8, 2020 15082 PPT (2/20) SI/SNY

The Standard is a marketing name for Stan. Corp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of 1100 SW Sixth Avenue of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of 333 Westchester Avenue, West Building, Suite 300, White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York.