Standard Insurance Company The Standard Life Insurance Company

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Standard Insurance Company | The Standard Life Insurance Company of New York Standard Insurance

Standard Insurance Company | The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York Protector Essential. SM An option for price-sensitive customers For Producer Use. Insurance Only. Not. Company For Use With Consumers. © 2010 Standard

 • Protector Essential. SM provides an affordable option that helps you make the

• Protector Essential. SM provides an affordable option that helps you make the disability income insurance sale to first-time buyers or price-sensitive customers. • Protector Platinum. SM remains The Standard’s* flagship disability income insurance product, offering customers more comprehensive income protection. *The Standard is a marketing name for Stan. Corp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Positioning in the marketplace Protector Essential offers a basic contract at a great price.

Positioning in the marketplace Protector Essential offers a basic contract at a great price. It provides price-sensitive consumers the ability to benefit from a company with substantial experience in disability insurance; including the same excellent customer service, underwriting and claims expertise, at a lower price point. The Standard has marketed the robust Protector Platinum product mainly to individuals with higher incomes. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Protector Essential Policy Benefits • Guaranteed Renewable chassis • No limitation on coverage for

Protector Essential Policy Benefits • Guaranteed Renewable chassis • No limitation on coverage for mental disorders and/or substance abuse • Regular Occupation coverage to the maximum benefit period for all occupation classes • Up to 36 months of Rehabilitation Benefit • Residual Disability Benefit (always included) • Future Purchase Option Rider (optional) • 3% or 6% Indexed Cost of Living Rider (optional) • Catastrophic Disability Rider (optional) 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Protector Essential Value • Protector Essential is a good match for your customers who

Protector Essential Value • Protector Essential is a good match for your customers who earn less than $100, 000 annually • Because Protector Essential is already an exceptional value, it is not available with discounts, on a Guarantee Issue basis or with gender-neutral pricing. • Protector Essential is not available with the Noncancelable Benefit Rider or Own Occupation coverage. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Sweet Spots Growth rate of Blue/Gray Collar Occupations Source: U. S. Department of Labor,

Sweet Spots Growth rate of Blue/Gray Collar Occupations Source: U. S. Department of Labor, Occupational Outlook Handbook, 2012 - 13 Edition Sales Managers Hair Stylists Electricians Carpenters Plumbers Administrative Assistants Construction Managers 0% 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company 10% 20% 30%

Sweet Spots Growth rate of Medical Occupations Source: U. S. Department of Labor, Occupational

Sweet Spots Growth rate of Medical Occupations Source: U. S. Department of Labor, Occupational Outlook Handbook, 2012 - 13 Edition Physical Therapists Dental Hygienists Physician Assistants Registered Nurses 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Protector Essential Prospect Diversity Occupation Occ Class Age Gender Salary Annual Premium Benefit Amount

Protector Essential Prospect Diversity Occupation Occ Class Age Gender Salary Annual Premium Benefit Amount Premium As % of Salary Attorney 5 A 41 Male $100 k $1, 001 $5, 000 1. 00% Driver B 38 Male $51 k $1, 725 $2, 920 3. 38% Teacher 4 A 55 Female $51 k $1, 554 $2, 985 3. 05% Executive 4 A 53 Male $117 k $1, 917 $4, 270 1. 64% Project Manager 5 A 41 Female $98 k $1, 283 $3, 500 1. 31% Graphics Artist 4 A 30 Male $100 k $561 $3, 000 0. 56% Dental Hygienist 2 P 44 Female $58 k $2, 602 $3, 000 4. 49% Barber A 55 Female $42 k $1, 775 $2, 000 4. 23% This example is for illustration purposes only and is not intended as a comprehensive representation of benefit eligibility and premium pricing. Actual benefits and premium are based upon The Standard’s underwriting guidelines. Source: The Standard’s Inforce Individual Disability Protector Essential Policy Database 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Competitive Intelligence 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance

Competitive Intelligence 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Product and pricing comparisons are provided solely for informational purposes, based upon the most

Product and pricing comparisons are provided solely for informational purposes, based upon the most recent information available to us. This is not intended as a competitive comparison of all contract provisions or pricing. The Standard does not guarantee the accuracy, completeness or currency of the offered information. Policy language and pricing may vary by state. Policies have exclusions, limitations and terms under which the policies may be continued In force or discontinued. For complete cost and coverage details, please contact your insurance representative or The Standard. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

Expand Your Customer Base A “Cadillac” plan may not be the right fit for

Expand Your Customer Base A “Cadillac” plan may not be the right fit for every client – but those clients still need the protection of disability income insurance. Protector Essential helps you sell to a broader spectrum of occupations and incomes – younger clients, new professionals, female clients, grey collar, blue collar and certain medical occupations. Protector Essential is the affordable choice for those more price-sensitive consumers seeking both value and peace of mind. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company

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

The Standard is a marketing name for Stan. Corp Financial Group, Inc. and subsidiaries. Insurance Products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N. Y. 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 business ins all states except New York. The Standard Life Insurance Company of New York is licensed to solicit business in only the state of New York. The policy has exclusions and limitations and terms under which the policy may be continued or discontinue. For costs and complete details of coverage, please contact The Standard. 16599 PPT (9/13) SI/SNY Protector producers © 2010 Essential Standard for Insurance Company