1. Critical Illness Presentation Pack Within this pack you will find a number of slides that you can select from to build your own CI presentation that suits your particular style. You can also tailor the presentation to suit certain audiences e.g Women, young people, business owners. Your MLC BDM can work with you to build your own CI presentation.

2. Critical Illness Cover “it won’t happen to me”

3. ….but we do expect to become ill, the question is how ill? We don’t expect to die young… Average Australian Life Expectancy.

4. Do You Feel Lucky? 50 % people who reach age 65 will experience… stroke, cancer, heart attack or some other covered condition “It won’t happen to me” Are you willing to take that chance?

5. Do you feel lucky?

6. Critical Illness does not discriminate Homemaker, female aged 40 – Breast cancer Restaurant owner, male aged 40 – Lymphoma Admin Officer, female aged 39 – Stroke Homemaker, female aged 36 – MS Director, male aged 26 – Cancer …do you know someone who’s suffered?

7. We are all at risk One third of women and a quarter of men will suffer cancer. Over 50% will live longer than 5 years after diagnosis Cardiovascular disease affects 2 our of 3 Australian families By age 75 one in 3 Australian males and one in 4 females will be diagnosed with cancer

8. The importance of cover for women 20% of all MLC claims are for breast cancer.. Australian Women have a 1 in 9 ^ risk of developing Breast Cancer by age 85.. Critical Illness Cover protects the important things in life… ^National Breast and Ovarian Cancer Centre – September 2009.

9. Are you protecting the important things in life? Event Protection Burglary Home Insurance Car Insurance MLC Critical Illness Cover Heart Attack Car Crash Bowel Cancer Death Permanent Disablement Life Insurance TPD Insurance Breast Cancer MLC Critical Illness Cover..and MLC Critical Illness covers 38 more MLC Critical Illness Cover

10. Why you should have Critical Illness Insurance Females (aged 25-40) 5 times more likely to claim on Critical Illness policy than life cover 6 times more likely to claim on Critical Illness policy than TPD – compared to male counterparts who are 3 times more likely to claim on Critical Illness Males (aged 25-40) 3 times more likely to claim on Critical Illness than TPD cover It makes SENSE to have MLC Critical Illness Cover!

11. What are my options? “Self Insured” Net Worth Reduction Deplete your savings and deplete your retirement accounts Liquidate your estate Go into debt Bankrupt your family Go without necessary treatment or care “MLC Critical Illness Cover” Immediate pay-out upon confirmed diagnosis of a covered condition Absolutely no restriction on how funds used No impact on other benefits, such as health insurance, Medicare, etc. Benefits are income-tax free. Outcome ??? Peace of Mind Financial Security

12. Personal Financial Impacts ill health caused 7.43% of personal related bankruptcies in 1997. By 2008 this had increased to 11.78% High levels of debt most are unprepared for the unthinkable… Low levels of savings Personal related bankruptcies. Personal related debt agreements ill health caused 4.27% of personal related debt agreements, by 2008 this had increased to 7.51% # Melbourne School of Law – Trends in Insolvency 2009 Research Paper no. 390

13. Business Financial Impacts 2008 –Over 18% of business related debt agreements were caused by personal reasons including ill health. Would your business survive you getting seriously ill? # Melbourne School of Law – Trends in Insolvency 2009 Research Paper no. 390 High levels of debt most are unprepared for the unthinkable… Global Financial Crisis

14. So what needs to be considered when taking out Critical Illness Cover? The Statistics show 50% of us are at risk, and it could cost us our health, lifestyle, business or home…

15. What should be considered when determining Critical Illness cover. Debts # Investment Loans & Critical Illness In some instances, clients may wish to clear investment loans. Discuss and determine why this type of investment was originally entered into and whether the investment debt servicing will have a significant impact on cash flow (negative gearing) whilst the client is recovering from a critical illness. o Clear home loan debts # o Provide for a lump sum (income) equivalent to 1-5 years of loan repayments o Provide for a lump sum (income) equivalent to 2 years of the client’s gross salary The average Australian mortgage is $350,000 ^ ^Australian Finance Group (AFG) Mortgage Index August 2009

16. The true cost of Critical Illness – Bowel Cancer Note – this does not include loss of income Estimates provided by Dial An Angel, 2009, Family Care Specialists Calculations do not reflect loss of income

17. The true cost of Critical Illness – Heart triple by-pass surgery 17 Estimates provided by Dial An Angel, 2009, Family Care Specialists Calculations do not reflect loss of income Note – this does not include loss of income

18. The true cost of Critical Illness – Multiple Sclerosis 18 Estimates provided by Dial An Angel, 2009, Family Care Specialists Calculations do not reflect loss of income Note – this does not include loss of income