1. For Financial Professionals Only. Not for use with the general public. Asset Based LTC A Better Way to Self Insure Survey Kit Identify Interest the Easy Way Hosted By: Dwight Eberts

2. For Financial Professionals Only. Not for use with the general public. If over 70% of people age 65* and older will require LTC, why do less than 10% of consumers own Traditional LTC insurance?** **Source: U.S. Department of Health and Human Services, National Clearinghouse for Long-Term Care Information, www.longtermcare.gov, September 2008. *Source: U.S. General Accounting Office, Long Term Care: Aging Baby Boomer Generation will increase financial burden on state and federal budgets,” March 21, 2002. What’s The Problem?

3. For Financial Professionals Only. Not for use with the general public. Objections to Traditional LTC Insurance LTCLTC ose it if you don’t use it ough to manage expectations ostly – Up front and in future

4. For Financial Professionals Only. Not for use with the general public. Objections to Traditional LTC Insurance “People used to buy long-term-care insurance because they were scared. Now it is the policies themselves that are keeping buyers awake at night.”* *WSJ May 1, 2015 Long-Term-Care Insurance: Is It Worth It?

5. For Financial Professionals Only. Not for use with the general public. A cost-effective way to protect themselves and loved ones from the expense of long term care Provide death benefit if long term care isn’t needed The ability to change their mind in the future Gain peace-of-mind Not to be a burden to loved ones What Are Clients Looking For?

6. For Financial Professionals Only. Not for use with the general public. Asset Based LTC Changing the way we view LTC Insurance LTCLTC ive to Use It ransferable asset to beneficiaries hange your mind

7. For Financial Professionals Only. Not for use with the general public. Annuity General Overview Single Life Non-Qualified Funds (Annuity Care 1 Accepts Q) Single Premium 2x – 3x Account Value Simplified Underwriting Pension Protection Act Transactional

8. For Financial Professionals Only. Not for use with the general public. Forethought ForeCare 65 year old male - $100,000 deposit – Preferred Rates (Standard Rates 2X) ive to use it Total Long-Term Care Benefit $300,000 + Growth ransferable asset Annuity Account Value $100,000 + Growth hange your mind 10 Year Term ($101,121 after 10 Years) L T C

9. For Financial Professionals Only. Not for use with the general public. Single Life or Joint Life Qualified or Non-Qualified Funds Single Premium to Lifetime Payments Lifetime Benefits Available Simplified to Full Underwriting Tax-Free Death Benefit Most have Residual Death Benefit Inflation Options Available Life Insurance General Overview

10. For Financial Professionals Only. Not for use with the general public. Nationwide – CareMatters 65 year old male - $100,000 deposit - Couples Discount ive to use it Total Long-Term Care Benefit Limit $389,159 Indemnity Style Benefit ransferable asset $129,720 Tax Free hange your mind $100,000 After 5 Years L T C

11. For Financial Professionals Only. Not for use with the general public. LeaveDieLive 65 year old male - $100,000 deposit - Couples Discount LFG – MoneyGuard II ive to use it Total Long-Term Care Benefit Limit $431,097 ransferable Asset $143,699 Tax Free hange your mind $80,000 L T C

12. For Financial Professionals Only. Not for use with the general public. John and Sue - ages 65 and 63 $1,400,000 in investable assets Concerned about future LTC cost and the financial and emotional impact it could have Currently self-insure for LTC Case Study *WSJ May 1, 2015 quoting Jesse Slome, Executive Director of the American Association for Long-Term Care Insurance

13. For Financial Professionals Only. Not for use with the general public. Case Study Investments $1,000,000 $200,000 Fixed Annuity CD $200,000

14. For Financial Professionals Only. Not for use with the general public. OneAmerica – Asset Care I Survivorship with Lifetime Continuation of Benefits Join Policy: 65 year old male | 63 year old female - $200,000 deposit ive to use it Total Long-Term Care Benefit $6,907/mo Lifetime Benefit ransferable asset $345,355 Tax Free hange your mind $171,072 Year 1 - $203,000 Year 11 - $257,000 Year 20 L T C

15. For Financial Professionals Only. Not for use with the general public. “…buying a long-term-care policy “is all about care at home,”…”* Home Health Care *WSJ May 1, 2015 quoting Jesse Slome, Executive Director of the American Association for Long-Term Care Insurance

16. For Financial Professionals Only. Not for use with the general public. Average Cost of LTC care in US in 2013 (half of new claims were home-based): Home Health Care Home Health Aide: $19/Hour Monthly Cost 12 hours per day= $6,935 Annual Cost 12 hours per day = $83,220

17. For Financial Professionals Only. Not for use with the general public. Varies from 8 knockout questions and 10 minute phone interview to full underwriting. Six products are simplified issue Four products are simplified issue with potential for full underwriting One product requires full underwriting Underwriting

18. For Financial Professionals Only. Not for use with the general public. Interested to know how many of your current clients would be interested in Asset Based LTC? It’s quick and easy to find out!

19. For Financial Professionals Only. Not for use with the general public. PCN Survey Kit Turn Key process On site assistance Proven results Brings clients to you

20. For Financial Professionals Only. Not for use with the general public. PCN Survey Kit Advisor 1: Sent 35 to his top clients Received 20 Completed Surveys Made 10 Appointments 4 LTC Sales so far (has other sales for GMWB)

21. For Financial Professionals Only. Not for use with the general public. PCN Survey Kit Advisor 2 100 Sent to a mix of his current clients and prospects Received 40 completed surveys Gained 6 referrals 2 prospect appointments (Total of 8 new people to see) 12 potential LTC sales

22. For Financial Professionals Only. Not for use with the general public. PCN Survey Kit Advisor 3 Sent 75 to his top clients Made 28 appointments Gained 4 referrals Uncovered and gained $2,000,000 in new assets 4 LTC sales with 6 possible so far

23. For Financial Professionals Only. Not for use with the general public. Annuity ForeCare Annuity Care I Annuity Care II Life Insurance Total Living Coverage MoneyGuard II CareMatters Lifetime Returns Select I Asset Care I, Asset Care II, Asset Care III, Asset Care IV PCN Survey Kit Call Producers Choice 800.238.0448

24. For Financial Professionals Only. Not for use with the general public. Contact Your PCN Representative For More Information Producers Choice 800-238-0448