1. LONG TERM CARE EXTENDED CARE The Market for LTC Ages 40 to 75

2. Different Types of products Traditional LTC – No Death Benefit Asset Based Plans – Death Benefit Life Insurance Plans with LTC rider - Death Benefit One America Products – Joint Plans Nationwide –SUL –Share the death benefit

3. FHC Traditional Carriers John Hancock Mutual of Omaha Transamerica One America – Asset Care IV Minimum Benefit $50.00 per day (All Carriers) Max Benefit – John Hancock & Transamerica $12,000 – Mutual of Omaha $10,000 Benefit Periods – 2 to 5 years Preferred and Standard rates

4. Asset Based (Linked Plans) FHC Carriers Pac Life - Premier Care LFG - Moneyguard Nationwide - CareMatters One America –Asset Care I Most plans offer a spousal discount Non smoker and Smoker rates

5. Pa Payment Options (Linked Plans) Single Premium – Most Popular 5 & 10 Pay options You will notice a 10% to 12% reduction in benefits using a 5 pay You will notice a 20% to 22 % reduction in benefits using a 10 pay It is the time value of money

6. Life Insurance plans with LTC rider Traditional Life Insurance plans with Rider Two types of Rider 7702 or 101-G 7702 is a true LTC rider 101-G is Chronic Illness rider Benefits are 2% or 4% of death benefit Benefit periods are 25 to 50 months Preferred or Standard rates Non-smoker & Smoker rates Single premium, Short Pays or a Continuous pay plan

7. Joint Life Plans One America Nationwide SGUL plans

8. How to Prospect for Cases What is the Budget What is the source of funds QF- NQF Any major health issues –Medications Any prior declines for coverage How do we design this case based on funds available. The traditional plan is the lowest cost (No death benefit)

9. Illustrations & Quotes LTC - CE credits 8 hours or 4 hours renewal Please feel free to contact me at bmaruska@firstheartland.com or call me at 636-695-2826 to discuss your case