1. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Long Term Disability Insurance House Staff 2014

2. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Jeremy Barlow, CLU ®, CFP ® jeremy.barlow@nm.com Jeffrey Lewis, CLU ® jeffrey.lewis@nm.com Kevin Samuelson kevin.samuelson@nm.com 801.433.1630

3. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Who is Standard Insurance Company Review Group Long Term Disability & Individual Disability Plan Options Next Steps Questions Agenda

4. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Has been keeping its promises to its customers since 1906 Ranks among the top ten disability insurance companies in the nation Rates 1 st among its peers with high levels of customer service, a sound liquidity position and strong financial flexibility* Find out more about The Standard at www.standard.com. www.standard.com * Peer Comparison: U.S. Specialty Employee Benefit Insurers. Standard & Poor’s Rating services. The Standard

5. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Replaces a portion of your income: 66 2/3% of gross monthly earnings Maximum Monthly Benefit: $3,000 90 Day Benefit Waiting Period Maximum Benefit Period: SSNRA (Social Security Normal Retirement Age) 24 hour coverage: Insures you for both on and off the job Paid by the University Additional Features Included Waiver of Premium Survivor Benefit Conversion Partial Disability Group Long Term Disability

6. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Advantages when you obtain IDI income protection before you leave your GME program Maximize monthly benefit - Higher monthly benefit - Taxability of benefit Ownership – portability Secure ability to obtain future coverage

7. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income When is Two Better Than One? Percentage of Working Paycheck Working Paycheck Group LTD Benefits IDI Benefits

8. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Guarantee standard issue policies are issued regardless of: health status age* or gender so you will likely be able to obtain coverage for which you might not otherwise qualify. * Age is considered in determining the premium for each policy The disability income insurance through your GME program is available on a guarantee standard issue basis

9. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income These policies are discounted 15% off premium rates you cannot obtain on your own. The plan provides for future benefit increases as your income grows, at the same premium discount. Once issued, your premiums will never increase. Your coverage is fully portable under this plan. You can take it with you wherever you practice. * Age is considered in determining the premium for each policy In addition,

10. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Prior to last year of residency: $1,500 per month benefit Guaranteed Renewable and Non- cancelable Own Occupation Definition Total Disability Benefit Residual Disability Benefit Presumptive Total Disability Benefit Renewable for Life Benefit Rehabilitation Benefit Cosmetic or Transplant Surgery Benefit Premium Benefit Waiver Each Guarantee Issue individual disability income insurance policy includes:

11. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Prior to last year of residency: $1,500 per month benefit Guaranteed Renewable and Non-Cancelable Own Occupation Definition Total Disability Benefit Residual Disability Benefit Presumptive Total Disability Benefit Renewable for Life Benefit Rehabilitation Benefit Cosmetic or Transplant Surgery Benefit Premium Benefit Waiver Each Guarantee Issue individual disability income insurance policy includes: In final year of residency: $3,500 per month (total of $5,000) Future Purchase Option Rider $8,000 pool

12. © 2010 Standard Insurance Com Formpany 13604PPTCUSTOMGME (Rev 5/12) Now is a good time to protect your income Jeremy Barlow, CLU ®, CFP ® jeremy.barlow@nm.com Jeffrey Lewis, CLU ® jeffrey.lewis@nm.com Kevin Samuelson kevin.samuelson@nm.com 801.433.1630