1. Seniors – A Growing Market for Dental Sales

2. Difficulty Maintaining Dental Spending Dental coverage provided by employers Senior income levels Dental benefits to retirees decreasing Economic impact on retirement funds

3. Boomers Are Key to Dental Practice Finances Market Demographics Baby boomers compromise about 30% of all general practice patient bases, which is about equal to their 28% share of the population. Expenditures By 2018 seniors will compromise 28% of total dental expenditures. By 2030 that will increase to 32%

4. The Individual Market is Rich With Opportunity 6,000 Americans turn 65 each day (U.S. Census), but only 33% of retirees will receive continued benefits from their employer.

5. Is Anyone Out There? Seniors are looking for the same level of benefits they had when they were working, not discount plans.

6. Who is Caring if Our Seniors Are Getting Dental Coverage? 36% of Americans skip dental care and check-ups when finances are tight. The American Dental Association reports that advanced gum disease, known as periodontis, is associated with more serious health problems such as cardiovascular disease, stroke and bacterial pneumonia.

7. The Internet May be Your Key to Increasing Individual Dental Sales More than 1/3 of U.S. consumers born before 1945 use the Internet and 38% of them are looking for health-related information. ARE YOU READY??

8. Spirit Dental IS That Product!!

9. No waiting periods for all services Next day effective date available $1200, $2500, $3500 annual maximums Choose your own dentist Plan coverage for crowns, bridges, implants, dentures, root canals and more Child orthodontia included Gold in-network Guaranteed acceptance No upper age restrictions 3 cleanings and two exams per year Rates Guaranteed for 12 months Optional Spirit Vision insurance No Billing fees or Association fees 30-day customer satisfaction guarantee Why Buy Spirit Dental Insurance? Spirit Dental and Vision PPT 01-2015

10. Spirit MaxCare Network Gold and Silver Plans Spirit Indemnity Gold and Silver Plans Optional Spirit Vision Insurance What plans are available? Spirit Dental and Vision PPT 01-2015

11. Gold Option Network Plan* The Gold Option Network Plan pays for covered dental expenses for MaxCare network and non- network providers based on the contracted fee amount negotiated with MaxCare after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major Services. These Percentages are: 100% for Preventive Services, 50% for Basic, 25% for Major and 10% for Ortho Services in year one In year two, Basic Services increase to 65%, 50% for Major and 25% for Ortho Services In year three, Basic Services increase to 80% and Ortho Services increase to 50% Gold Option MaxCare Plan MaxCare Covered Services – Gold Plan Spirit Dental and Vision PPT 01-2015 *This plan is not available in all states

12. MaxCare Covered Services – Silver Plan Spirit Dental and Vision PPT 01-2015 Silver Option MaxCare Plan Silver Option Network Plan* The Silver Option Network Plan pays for covered dental expenses for MaxCare network and non- network providers based on the contracted fee amount negotiated with MaxCare after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major Services. These Percentages are : *50% for Preventive Services, 25% for Basic, 25% for Major Services in year one. *In year two and thereafter, Basic Services increase to 50%, and Major Services increase to 50%. *This plan is not available in all states

13. Indemnity Covered Services – Gold Plan Gold Option Plan* The Gold Option Plan pays for covered dental expenses based upon a percentage of the Reasonable and Customary (R&C) fees for those covered services after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major Services. These Percentages are: 100% for Preventive Services, 50% for Basic, and 10% for Major Services in year one. In year two, Basic Services increase to 65%, and 50% for Major Services. In year three, Basic Services increase to 80%. Gold Option Indemnity Plan Spirit Dental and Vision PPT 01-2015 *This plan is not available in all states

14. Indemnity Covered Services – Silver Plan Silver Option Plan* The Silver Option Plan pays for covered dental expenses based upon a percentage of the Reasonable and Customary (R&C) fees for those covered services after the $100 lifetime deductible has been satisfied on Preventive, Basic and Major Services. These Percentages are: 50% for Preventive Services, 25% for Basic, and 25% for Major Services in year one. In year two and three, Preventive Services increase to 80%, Basic Services to 50%, and Major Services increase to 50%. Silver Option Indemnity Plan Spirit Dental and Vision PPT 01-2015 * This plan is not available in all states

15. Calendar Year Maximum - $1,200, $2,500 or $3,500 per insured $100 Lifetime deductible per person that applies to Preventive, Basic and Major services Maximums and Deductibles Spirit Dental and Vision PPT 01-2015

16. The optional Spirit vision insurance offers two rider options: EyeMed Vision Rider Available in all states, except AK, ID, IL, MA, NJ, NM, NY, TX, VT EyeMed is a leading vision benefits company With EyeMed you have access to thousands of providers nationwide that are part of the Access Network State-Specific Vision Rider No network, open access Available only in AK, ID, IL, MA, NJ, NM, NY, TX, VT Spirit Optional Vision Care Spirit Dental and Vision PPT 01-2015 No vision plan is available in MD

17. Spirit Dental PPT 2015

18. Direct Benefits – Your Dental and Vision Experts Information for this presentation was gathered from: Life Health Pro - 07/30/14 by Tom Dimmer http://www.lifehealthpro.com/2014/07/30/retirees-cant-afford-to-lose-dental-coverage Benefits Pro - 03/01/10 by Roger Skinner http://www.benefitspro.com/2010/03/01/seniors-on-the-horizon Compendium – July/August 2010, Volume 31, Issue 6 by Deron A. Ferguson, PhD; Barbara J. Steinberg, DDS; and Tina Schwien, MPH, MN http://www.dentalaegis.com/cced/2010/08/dental-economics-and-the-aging-population Diane is Past President of the Minnesota Association of Health Underwriters and is still active on their Professional Development Committee. She was a benefits consultant for 30+ years and became a Sales Exec at Direct Benefits in 2007. She understands this new marketplace and how brokers, that are innovative and embracing this new world of insurance buying, will continue to grow and thrive. You can reach Diane at: diane@directbenefits.com, or 651-259-6246. Presentation prepared by Diane Lysen, Sales Executive at Direct Benefits, distributor and wholesaler of Spirit Dental.