For Agent Use Only Twice as Simple to Sell S2-6047

For Agent Use Only Agenda MedAmerica Company Review The Simplicity Advantage Product Details Value Pricing and Rating software Multi Life Website Administration CREDIT for CA$H

For Agent Use Only 20 Years Insurer of LTC Not a Financial Services Supermarket Integral business of The Lifetime Healthcare Company - $5 billion health insurer with over 65 Years Experience

For Agent Use Only No History of Rate Increases 50 Years Combined Actuarial Experience + Millimam Consulting from Inception

For Agent Use Only Consistent Ratings 10 consecutive years MedAmerica has an A.M. Bests rating of A- Excellent and an A- Strong rating by S&P

For Agent Use Only Innovative Industry Leader 1996 First to Introduce Shared Care 2004 First to Respond to the NEW Consumer: True Cash Simplified Contract Language Pre-paid Benefits Relevant Product Now and in the Future 100% WorldWide Coverage

For Agent Use Only Target: Baby Boomers The New LTC Market 79 Million, Educated, Planning for Retirement Desire to be Independent Cash for Lifestyle Assurance should Life Change on a Dime

For Agent Use Only Old Designs vs. Cash What a 100% Reimbursement policy offers clients: Receive the right services, at the right expense, from the right provider for the right number of days, send in the bills, and, if approved, possibly get 100%. What Simplicity offers: If eligible, get 100% of your cash- every month - in advance..

For Agent Use Only Why Cash? Provides maximum flexibility for funding care Care Choice not Managed Care Best option for the future Pre-paid Monthly Cash Benefit

For Agent Use Only Why Cash? No proof of service or receipts! Simply ask for a check! You are not put in the position to explain why expenses are not covered

For Agent Use Only Why Cash? All Wheel Drive for the changing terrain of LTC – Guaranteed Benefits Covers New Treatments, Technology for Prolonging Independence

For Agent Use Only The Claims Process Simplified

For Agent Use Only Simplicity Stands Tall Among the Competition The highest-rated LTCi product on the market 92 * Prudential Cash76 Allianz Generation Protector63 MetLife Ideal 272 John Hancock Leading Edge57 Custom Care Two65 *SellingLTC.com

For Agent Use Only INTRODUCING The Improved Simplicity

For Agent Use Only Here Comes Simplicity ii TX NM CA* AZ NV ID OR WA MT ND SD LA OK KS MO MN AR AL GA FL SC NC VAKY TN WV OH MD DE NJ PA NY CT RI MA ME VT NH WI MI IN IL WY UTCO IA NE MS AK HI *CareDirections Simplicity product available in CA Simplicity ii available Simplicity ii product pending approval

For Agent Use Only Cash Benefit Account Cash Benefit Account (face amount) $100,000, $200,000, $300,000, $500,000 and $1 million Easy to Explain Builds with Inflation Option No Durations, No Complicated Formula!

For Agent Use Only Monthly Cash Benefit The amount that will be paid in a single month. Pre-Paid, no proof required Specific Monthly Cash Benefit options for each Cash Benefit Account chosen at the time of application. Use for HHC or FC Rightsized based on industry experience

For Agent Use Only Monthly Cash Benefit Cash Benefit Account (Choose One) Monthly Cash Benefit $100,000 2 Options: a or b a. 1,500 b. 3,000 $200,000 4 Options: a, b, c or d a. 1,500c. 4,500 b. 3,000d. 6,000 $300,000 4 Options: a, b, c or d a. 3,000c. 6,000 b. 4,500d. 7,500 $500,000 4 Options: a, b, c or d a. 4,500c. 7,500 b. 6,000d. 9,000 $1,000,000 4 Options: a, b, c or d a. 6,000c. 9,000 b. 7,500d. 12,000

For Agent Use Only Enhanced Facility Benefit Option increases Monthly Cash Benefit for Facility Care 33% increase in benefit for 10% premium increase Available on all Cash Benefit Accounts

For Agent Use Only New Rate Classes Preferred – 10% Discount Standard

For Agent Use Only Discounts Care Partner Discount* 20% Savings if One Purchases 40% Savings if Both Purchase and are Accepted * Varies by State

For Agent Use Only Discounts 10% Preferred Health Discount 10% Affiliation or Employer Program Discount

For Agent Use Only Inflation Options None 5% Simple 5% Compound 2X Max 5% Compound No Max 3% Compound No Max (Partnership Ready)

For Agent Use Only Elimination Periods Calendar Day Vs. Service Day 30, 60,90 or 180 Calendar Days

For Agent Use Only MedAmericas National HHC Cost Data Conducted by CareScout exclusively for MedAmerica A Major Software Enhancement Turn the Sale Around and approach clients with what they desire – REMAIN at HOME

For Agent Use Only Simplicity ii Rate/Proposal Software Program

For Agent Use Only

Available in a pdf. to download from our software.

For Agent Use Only How to Design Simplicity ii For Maximum Value

For Agent Use Only Simplicity ii Value Design No Contest Client Type Age 50 Couple interested in ways they can protect 401k savings should one get sick before their retirement plan is complete. Typical Agent Request $150 per day, 100% Home Care, 5 yr duration, 5% Compound Inflation Protection, 90 day elimination, Standard rate class, life pay. New Simplicity ii Translation $500,000 Initial Cash Benefit Amount (CBA) $4500 Monthly Benefit Amount (MBA), 3% Compound Inflation, 100% Home Care.

For Agent Use Only Simplicity ii Value Design No Contest Simplicity ii Design Traditional Reimbursement Value of Benefit at age 50 $500,000$270,000 Benefit Age 65 - $779,000 Age 74 - $1,016,000 Age 84 - $1,365,953 Age 65 - $561,000 Age 74 - $870,540 Age 84 - $1,418,000 Premium$1, each$1, each

For Agent Use Only Good Things to Know Shared Care Rider $200,000$300,000$500,000$1million %+7 %4 %

For Agent Use Only Good Things to Know Higher Cash Benefit Accounts Price point advantage with: –3% Compound No Max –5% Compound 2x

For Agent Use Only Multi-Life Programs Easy to sell, easy to use

For Agent Use Only Why Multi-Life Fastest growing segment of the LTCI Market Call on one to sell many vs. many to sell one Work during the business day on your hours

For Agent Use Only Why Multi-Life Turn an emotional sale into a logical Business to Business sale Utilize tax advantages to your advantage Two Multi- Life Opportunities: Affiliation and Employer Program

For Agent Use Only What is an Affiliation? Association Constitution and/or By Laws Member Based vs. Customer Based Minimum of 5 members in Association Minimum 1 member purchasing coverage Employer Minimum 1 employee purchasing coverage Minimum 5 employees in Group

For Agent Use Only Affiliation Program Discounts: 10% All Eligibles –Preferred Health -10% –Care Partner Premium Reduction: 40% if both; 20% if one –No Discount cap No limits on Plan Design No defined open enrollment period Minimum participation: 1 Note: Discounts may vary by state

For Agent Use Only Employer Program Simplified Underwriting: During open enrollment Actively-at-work employees Actively-at-work spouses (30+hours/week) Age 71 or younger Website Enrollment – a MedAmerica 1 st Increase Commissions

For Agent Use Only Special Care Partner rates, plus 10% discount Minimum participation: 10 EEs pass 4 questions Best World-wide Coverage (100%) Employer Program

For Agent Use Only Twice as Simple to Sell Everybody Understands & Needs CASH! New Face Amount Concept Targeted to Baby Boomers - Relevant Today Speed App – 4 Questions! Robust Multi-Life Program - Enhanced Employer Program

For Agent Use Only Welcome to MedAmericas Agent Web Site Everything you need in one, simple source S A

For Agent Use Only Contracted Agent Login Click first button

For Agent Use Only Contracted Agent Login Use your existing Username and Password to login

For Agent Use Only First Time Users

For Agent Use Only Simple navigation Button link to Credit for Cash Agent Home Page

For Agent Use Only Agent Home PageAgent Home Page News – Regulatory, Product and MedAmerica news at a glance

For Agent Use Only Streaming Video on the Future of LTC & the Power of Cash

For Agent Use Only Order, View or Print Supplies for Your Appointed States

For Agent Use Only Narrated Tutorial Learn about MedAmericas Marketing Materials

For Agent Use Only My Business Application Tracking

For Agent Use Only My Business Commissions

For Agent Use Only S Partners In Underwriting

For Agent Use Only The New Worksheet is YOUR tool with all the right questions to ask your clients (do not submit to us). Call the Pre-Qualification Hotline with clients complete medical history Underwriting will provide you with a call ID to list on the application. Underwriting will fax you a confirmation MU Hotline report Attach MU Hotline report to application and submit. New Pre-Qualification Process

For Agent Use Only New Producer Pre-Qualification Worksheet

For Agent Use Only Submit YOUR Clients MU Hotline Report with Application +

For Agent Use Only Agents that Partner with Underwriting through utilization of our new program, will receive a courtesy call from an underwriter if the applicant is uninsurable and can request to WITHDRAW! What this means to YOU? –No denial for YOU –No denial for YOUR client (can apply with another carrier) –Increased Placement Rate for YOU –Increased Confidence –More Business Submitted Improved Processes Withdraw vs. Deny

For Agent Use Only MU Hotline Number: Hours of Operation: –Monday thru Wednesday 8:30am – 7:00pm EST –Thursday 10:00am – 7:00pm EST –Friday 8:30am – 6:00pm EST Important Pre-Qualification Information

For Agent Use Only Individual Application Guide

For Agent Use Only State Specific Application ALL Same State, where: Agent is Appointed, and App Matches State of Residence or Work, and App Signed, and Policy Delivered ALL In Same State One App per Person Complete ALL Suitability forms if required

For Agent Use Only Application Page 1 Section I: Applicant Information Sample - For Illustration Only, Forms May Vary By State

For Agent Use Only Section I: Applicant Information Age: on Date Signed (NO Save Age) Sample - For Illustration Only, Forms May Vary By State

For Agent Use Only Step 2: Choose One Cash Benefit Account Step 3: Choose One Monthly Cash Benefit Section II: Policy Benefit Selection (Complete All 7 Steps) Sample - For Illustration Only, Forms May Vary By State

For Agent Use Only Section II: Policy Benefit Selection (Complete All 7 Steps) Applicant MUST Initial Here: I understand that by choosing this Rider, I am limiting my coverage......I may not have coverage for all the types of LTC services I might require. Sample - For Illustration Only, Forms May Vary By State

For Agent Use Only Section IV: Premium Payment Information (Complete All 7 Steps) Sample - For Illustration Only, Forms May Vary By State If Credit Card, Do NOT Submit Conditional Check Credit Card charged date policy issued.

For Agent Use Only Section V: Insurability Profile Sample - For Illustration Only, Forms May Vary By State Underwriting HOTLINE telephone number available on the application.

For Agent Use Only Sample - For Illustration Only, Forms May Vary By State Application Page 5 Section V: Insurability Profile SPEEDApp: Applicants Age $100k or $200k CBA Only SPEEDApp: Complete ALL Sections, Until Eligible to STOP

For Agent Use Only Application Page 8 Section VII: Signatures and Authorization Must Match: State Specific App and State State of Residence or Work AND State Where App Signed AND Policy Delivered Sample - For Illustration Only, Forms May Vary By State Lapse Designee - Not Agent, Unless Agent is also a Relative

For Agent Use Only Care Partner Statement Included in Application Booklet Must: Satisfy All Requirements Required for: Widowed w/Care Partner Single w/Care Partner Same or Opposite Sex Eligible for: Care Partner Premium Shared Riders Sample - For Illustration Only, Forms May Vary By State

For Agent Use Only Let YOUR client know what to expect next MU Process in the back of the application booklet

For Agent Use Only CREDIT for CA$H Agent Incentive Program

For Agent Use Only A great opportunity to communicate with clients & prospects about the importance of planning. MedAmerica is an Official Supporter of S LTCAM

For Agent Use Only MedAmerica Supports LTC Awareness Month With: Series of bulletins direct to your every Tuesday & Wednesday through Oct. & Nov. Ads in Agents Sales Journal & Kiplingers Press release to the mass media to raise awareness Web pop up linking you to AALTCIs Web site to download FREE marketing materials Double CREDIT for CA$H points for MedAmerica business submitted 11/1/08-11/30/08 and placed.

For Agent Use Only Twice as Simple to Sell