© 2010 Standard Insurance Company Disability Insurance Coverage Comparison Hypothetical Example for Mandatory, Employer-Paid Guarantee Issue Cases Standard Insurance Company | The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York.

© 2010 Standard Insurance Company TitleBase SalaryBonus Monthly Net Income Monthly Gross LTD Benefit Monthly Net LTD benefit % of Net Income replaced CEO$325,000$100,000$26,563$10,000$7,50028% Sr. VP$250,000$50,000$18,750$10,000$7,50040% VP$150,000$15,000$10,313$7,500$5,62555% Manager$80,000$10,000$5,625$4,000$3,00053% Supervisor$50,000$5,000$3,438$2,500$1,87555% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit. Employer-Paid Long Term Disability 15080MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid Long Term Disability TitleBase SalaryBonus Monthly Net Income Monthly Gross LTD Benefit Monthly Net LTD benefit % of Net Income replaced CEO$325,000$100,000$26,563$10,000$7,50028% Sr. VP$250,000$50,000$18,750$10,000$7,50040% VP$150,000$15,000$10,313$7,500$5,62555% Manager$80,000$10,000$5,625$4,000$3,00053% Supervisor$50,000$5,000$3,438$2,500$1,87555% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid Long Term Disability TitleBase SalaryBonus Monthly Net Income Monthly Gross LTD Benefit Monthly Net LTD benefit % of Net Income replaced CEO$325,000$100,000$26,563$10,000$7,50028% Sr. VP$250,000$50,000$18,750$10,000$7,50040% VP$150,000$15,000$10,313$7,500$5,62555% Manager$80,000$10,000$5,625$4,000$3,00053% Supervisor$50,000$5,000$3,438$2,500$1,87555% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company TitleBase SalaryBonus Monthly Net Income Monthly Gross LTD Benefit Monthly Net LTD benefit % of Net Income replaced CEO$325,000$100,000$26,563$10,000$7,50028% Sr. VP$250,000$50,000$18,750$10,000$7,50040% VP$150,000$15,000$10,313$7,500$5,62555% Manager$80,000$10,000$5,625$4,000$3,00053% Supervisor$50,000$5,000$3,438$2,500$1,87555% Employer-Paid Long Term Disability This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid Long Term Disability TitleBase SalaryBonus Monthly Net Income Monthly Gross LTD Benefit Monthly Net LTD benefit % of Net Income replaced CEO$325,000$100,000$26,563$10,000$7,50028% Sr. VP$250,000$50,000$18,750$10,000$7,50040% VP$150,000$15,000$10,313$7,500$5,62555% Manager$80,000$10,000$5,625$4,000$3,00053% Supervisor$50,000$5,000$3,438$2,500$1,87555% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance TitleBase SalaryBonus Monthly Net Income Monthly Net LTD Benefit Monthly Gross MGSI Benefit Monthly Net MGSI Benefit % of Net Income Replaced CEO $325,000$100,000$26,563$7,500$5,00047% Sr. VP $250,000$50,000$18,750$7,500$5,00067% VP $150,000$15,000$10,313$5,625$2,81382% Manager $80,000$10,000$5,625$3,000$1,62582% Supervisor $50,000$5,000$3,437$1,875$9387% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance TitleBase SalaryBonus Monthly Net Income Monthly Net LTD Benefit Monthly Gross MGSI Benefit Monthly Net MGSI Benefit % of Net Income Replaced CEO $325,000$100,000$26,563$7,500$5,000$3,75047% Sr. VP $250,000$50,000$18,750$7,500$5,000$3,75067% VP $150,000$15,000$10,313$5,625$2,813$2,10982% Manager $80,000$10,000$5,625$3,000$1,625$1,21382% Supervisor $50,000$5,000$3,437$1,875$938$70382% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company Employer-Paid LTD plus Mandatory employer-paid Guarantee Issue Individual Disability Income Insurance TitleBase SalaryBonus Monthly Net Income Monthly Net LTD Benefit Monthly Gross MGSI Benefit Monthly Net MGSI Benefit % of Net Income Replaced CEO $325,000$100,000$26,563$7,500$5,000$3,75042% Sr. VP $250,000$50,000$18,750$7,500$5,000$3,75060% VP $150,000$15,000$10,313$5,625$2,813$2,10975% Manager $80,000$10,000$5,625$3,000$1,625$1,21375% Supervisor $50,000$5,000$3,437$1,875$938$70375% This is a hypothetical example which assumes that this is a subset of a much larger group of employees, 60% LTD on base salary only with a maximum monthly benefit of $10,000, tax rates of 25% and a Guarantee Standard Issue plan design of 75% of total income less the group LTD benefit MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company If you would like assistance with Guarantee Issue sales please Would You Like Assistance? MPPT (Rev 5/14) SI/SNY

© 2010 Standard Insurance Company The Standard is the marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portand, Ore. in all states except New York, where insurance products are offered by The Standard LIfe Insurance Company of New York of White Plains, N.Y. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. The policy has exclusions and limitations and terms under which the policy may be continued or discontinued. For costs and complete details of coverage, please contact The Standard MPPT (Rev 5/14) SI/SNY