1. Planning for long term care Your personal Declaration of Independence Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state.

2. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 2 What is long term care? Long term care is assistance given for personal care over an extended period of time. This includes informal and formal caregiving. This type of care is usually received in:  The home  Assisted living facility  Skilled nursing facilities  Adult day care centers

3. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 3 What is long term care? To better understand long term care, think of the activities that you performed when you woke up this morning. You probably:  Climbed out of bed  Walked to the bathroom  Used the toilet  Used the bath or shower  Got dressed  Ate breakfast

4. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 4 What is long term care? While we are healthy it is easy for us to take these activities of daily living (ADL’s) for granted. However, when you – or a loved one – are stricken with a degenerative condition such as a stroke, Alzheimer’s Disease, or dementia, performing these ADL’s may become impossible without the assistance of another person.

5. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 5 What is long term care insurance? The five basics of an LTCi policy 1.Benefit period: How long will my benefits last? 2.Benefit amount: How much will I be reimbursed? 3.Inflation protection: How fast will my benefits grow? 4.Elimination period: How long until my benefits begin? 5.HCC percentage: How much of my benefit is available for Home and Community Care?

6. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 6 What are the risks of living longer?  Not being able to maintain your desired standard of living  Having to pay increasingly expensive medical bills  Not keeping up with inflation  Requiring long term care, and the cost of that care LIMRA International, 2003.

7. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 7 Seven reasons people buy long term care insurance 1.To preserve their financial independence 2.To avoid depending upon family members for their care 3.To protect assets and preserve their estate for their heirs 4.To be seen as a blessing to their loved ones, not a burden 5.To maintain the wealth they created over a lifetime 6.To assure that they have access to quality care and care choices 7.To avoid leaving a legacy of debt to their spouse or children

8. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 8 What are the chances?  Chances of a catastrophic home fire?  Chances of a catastrophic auto accident?  Chances of needing some form of long term care in your lifetime?

9. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 9 How do you protect against these potential risks? AssetsAsset protection CarAuto insurance HouseHomeowner’s insurance FamilyLife insurance IncomeDisability insurance WealthMore life insurance What are you doing to protect your assets against the potential risk of a long term care event?

10. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 10 What are the costs?  Average nursing home cost is $57,700 per year. 1  Basic assisted living facility cost is $30,288 per year. 2  Average home care cost is $18 per hour. 3  What are the costs in your area? 1 Kiplinger’s Retirement Report, “Average Annual Cost of Nursing Home Care by State,” March 2004. 2 Assisted Living News, November 2004. 3 PR Newswire, United Business Media, May 2005.

11. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 11 What are some options to pay for long term care expenses?  Medicare  Medicaid  Self-funding  Long term care insurance

12. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 12 Long term care is a family issue  83% of caregivers are relatives of the care recipient.  On average these caregivers spend 21 hours per week assisting the care recipient.  59% of these caregivers are currently working and 62% of them have had to make adjustments to their work life. Who would care for you? Caregiving in the U.S., National Alliance for Caregiving and AARP, 2004.

13. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 13 Some questions to consider  What is your experience with long term care?  Do you know anyone who has needed care?

14. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 14 Let’s design your personal plan We’ll start by talking about your medical information to see if we can consider you for LTCi. -What have you seen a doctor for in the last five years? -What medications are you currently taking and what are you taking them for? Design options to consider: -Daily benefit -Benefit period -Home & Community Care percentage -Elimination period -Inflation protection

15. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 15 Things to consider when purchasing a policy  What is the average cost of care in your community?  How long would you feel comfortable paying for care out-of-pocket before insurance benefits begin?  In what environment would you like to receive care?  How comfortable are you with co-insuring using personal income?  What do you want to accomplish by planning?

16. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 16 Is your future protected?  Let’s start the underwriting process today by filling out the application.  Let’s go over what to expect next.

17. Allianz Life Insurance Company of North America Long term care insurance policy series 10-P-Q is issued by Allianz Life Insurance Company of North America. 10-PPT-11 (12/2005)Product availability and benefits may vary by state. 17 Congratulations! You have taken the first step toward protecting your financial future!

18. Thank you! Allianz Life Insurance Company of North America