COMPLETE DISABILITY PRODUCT PORTFOLIO

Individual Coverage True “Own Occupation” Definition Business Overhead Expense Buy-Sell

Mortgage Protection Retirement Completion Catastrophic Benefit

Blue Collar High Limit Impaired Risk

The Three Areas of Disability Underwriting 1. Occupation 2. Compensation 3. Medical History

Government Employees Police and Firemen Armed Forces

Home Based Business Newly Self-Employed Young Professional Limits

Recovery Benefit Qualified Sick Pay Return of Premium

Group Supplement/Conversion

GROUP PLAN LIMITATIONS BENEFITS ARE TAXABLE IMPOSED CAP NOT PORTABLE RESTRICTIVE LANGUAGE

The Areas of Disability Benefit 1. TOTALLY DISABLED AND NOT WORKING: (Cannot perform material and substantial duties of YOUR job) (75% OR MORE OF INCOME LOST*) INDIVIDUAL: 100% OF MONTHLY BENEFIT INDIVIDUAL: 100% OF MONTHLY BENEFIT (APPROX. 60% OF INCOME*) (APPROX. 60% OF INCOME*) GROUP LTD: 100% OF MONTHLY BENEFIT GROUP LTD: 100% OF MONTHLY BENEFIT (APPROX. 60% OF INCOME*) (APPROX. 60% OF INCOME*)

The Areas of Disability Benefit 2. PARTIALLY DISABLED*, BACK TO WORK IN SAME JOB (*20% LOSS OF INCOME) (*20% LOSS OF INCOME) INDIVIDUAL: % OF LOST INCOME x MONTHLY BENEFIT GROUP LTD: % OF LOST INCOME x MONTHLY BENEFIT

The Areas of Disability Benefit 3. TOTALLY DISABLED: (Cannot perform material and substantial duties of YOUR job) CAN WORK AT A NEW JOB: INDIVIDUAL: a. 100% OF MONTHLY BENEFIT* b. % OF LOST INCOME x MONTHLY BENEFIT GROUP LTD: 0

Executive Carve Out Multi –Life Discount Spousal Discount

Work Site Marketing Plans Association Programs GSI/Simplified Underwriting

Simplified Underwriting Maximum Benefit Amount: $2,500/month Maximum Issue Age: 50 Occupation Classes All; 3A & above preferred Elimination Periods: All; 90 days & above preferred

Simplified Underwriting Benefit Periods All (2 years, 5 years, To Age 65) Your Occupation Periods All (2 years, 5 years, To Age 65) Sex Distinct Rates (except in MT)

Simplified Underwriting Riders Available Automatic Increase Option/Automatic Benefit Increase* Automatic Increase Option/Automatic Benefit Increase* Catastrophic Disability Benefit (1 to 1 ratio maximum CDB/Base + SIS) Catastrophic Disability Benefit (1 to 1 ratio maximum CDB/Base + SIS) Mental/Nervous Substance Abuse Disorder Limitation— only in states required** Mental/Nervous Substance Abuse Disorder Limitation— only in states required** Residual or Short Term Residual Disability Benefit Residual or Short Term Residual Disability Benefit

Simplified Underwriting Discounts Available MNSA — 10% - To Age 65 benefit period; 5% - 2 or 5 year benefit period — only in states required Select Occupation — 10% Payment Methods Electronic Funds Transfer (EFT) only

Simplified Underwriting General Underwriting Requirements Simplified DI application packet required. Tele App required. No routine medical requirements (blood, urine, exams, EKG ‘s or APS s) required* * *