A Revolutionary Approach to Long-Term Care AC-SEM-04 1

The AnnuiCare ® rider is a unique approach to Long-Term Care, offered exclusively by Guaranty Income Life Insurance Company Home Office Baton Rouge, LA. Policy Form Nos. LTC-2 and LTC-3. AC-SEM-04 2

What is AnnuiCare ® ?  It is a tax-deferred annuity that provides up to triple the annuity value for LTC  It is a tax qualified long-term care policy  It is a tax deferred annuity with a tax qualified long-term care benefit AC-SEM-04 3

Why did Guaranty Income Life create an Annuity with long term care benefits? Because the majority of people self-insure. Because the majority of people self-insure. Traditional Long Term Care Insurance is expensive and difficult to qualify for medically. Traditional Long Term Care Insurance is expensive and difficult to qualify for medically. Seniors are reluctant to purchase something they may never use. Seniors are reluctant to purchase something they may never use. AC-SEM-04 4

$50,000Premium Moving Assets Makes Your Money Work Better! (Free Up More Assets) Moving Assets Makes Your Money Work Better! (Free Up More Assets) $150,000“Financial Safety Net” $100,000 LTC Benefit The cost of long-term care insurance is deducted from the annuity value. AC-SEM-04 5

Moving Assets Makes Your Money Work Better! (Free Up More Assets) Moving Assets Makes Your Money Work Better! (Free Up More Assets) $150,000 Total available for Your Use Moving $50,000 can provide a benefit of $150,000 for long-term care expenses.$100,000 LTC Benefit $50,000Premium AC-SEM-04 6

$73,000 $146,000 LTC Benefit + Kate Jones (Female 65) AnnuiCare ® at Issue ONOFF %X 9 ÷ 78 6 – = ÷ 730 = $219,000 Total Benefit = $146,000 LTC Benefit $73,000 AC-SEM-04 7

730 Days = 2 years AC-SEM-04 8

$73,000 $146,000 LTC Benefit + $219,000 Total Benefit = $146,000 LTC Benefit $73,000 Kate Jones (Female 65) AnnuiCare ® at Issue ONOFF %X 9 ÷ 78 6 – = ÷ 730 = $100 (Daily Benefit) AC-SEM-04 9

ONOFF %X 9 ÷ 78 6 – =0. 2,190 days (6 years) (Minimum Benefit Period) ÷ 100 = Kate Jones (Female 65) AnnuiCare ® at Issue $100 (Daily Benefit) $73,000 $146,000 LTC Benefit + $219,000 Total Benefit = $146,000 LTC Benefit $73,000 AC-SEM-04 10

ONOFF %X 9 ÷ 78 6 – =0. 2,190 days (6 years) (Minimum Benefit Period) *Assumed Interest Rate 5.00% ÷ = Kate Jones AnnuiCare ® at Age 75 $ (Daily Benefit) $108,399 $216,797 LTC Benefit + $325,196 Total Benefit $216,797 LTC Benefit = $108,399 AC-SEM-04 11

ONOFF %X 9 ÷ 78 6 – =0. 2,190 days (6 years) (Minimum Benefit Period) *Assumed Interest Rate 5.00% ÷ = Kate Jones AnnuiCare ® at Age 80 $132,039 $264,078 LTC Benefit + $132,039 Cash $396,117 Total Benefit = $ (Daily Benefit) AC-SEM-04 12

AnnuiCare ® What Does It Pay? AnnuiCare ® will pay Long-Term Care expenses up to 100% of the daily maximum benefit for:  Home Health Care  Homemaker Services  Hospice Services  Maintenance or Personal Care Services  Respite Care  Assisted Living Facilities Care  Alzheimer’s Care  Nursing Home Care … and up to 50% of daily maximum benefit for:  Adult Day Care AC-SEM-04 13

AnnuiCare ® Accessing Your Benefits  Requiring substantial supervision to protect the individual due to a severe cognitive impairment. or To qualify for benefits, the insured must be chronically ill as certified by a licensed healthcare practitioner as:  Being unable to perform at least two out of six activities of daily living Bathing Eating Bathing Eating Continence Toileting Continence Toileting Dressing Transferring Dressing Transferring AC-SEM-04 14

AnnuiCare ® Suitability Financial - Where is the money coming from? Can you afford the coverage? Medical – What is your past medical history? What medications are you currently taking? Market: 60 to 85 years of age with $100,000 of liquid net worth AC-SEM-04 15

AnnuiCare ® Underwriting  No Medical Exams  No Medical Records Ordered  No Lab Work Ordered  No Substandard Ratings  Quick Response - Usually 72 Hours AC-SEM-04 16

 Up to age 75—Telephone Interview by Registered Nurse  Age 75 plus —Face to Face Interview AnnuiCare ® Underwriting AC-SEM-04 17

AnnuiCare ® at a Glance  Minimum Amount — $36,500 — Non-qualified $50,000 — Qualified  Maximum Amount — $300,000  Maximum Issue Age — 85  Guaranteed Interest Rate — 3%  Liquidity Feature — Interest earnings in excess of the long-term care premium deductions can be withdrawn without penalty. Any withdrawals will reduce long-term care benefits.  Death Benefit — Greater of annuity surrender value or return of annuity premium paid less any previous withdrawals and deductions.  Withdrawal Charges: AC-SEM-04 18

A Revolutionary Approach to Long-Term Care AC-SEM-04 19