For producer use only.

Commitment to LTC

• Financially Strong

• 20+ years of experience in LTC market

• Completed research in the industry resulted in new product offering

• Products with enriched benefits and flexibility

• You choose how you want to sell

• Announcing…… Mutual Care Plus

For producer use only.

Mutual Care PLUS

What’s the PLUS?

• Individual and Multilife products – A product targeted for a younger buyer…

• 1 easier application that offers both packaged plans– Mutual Care 3 and 5

• Plus the choice and flexibility to tailor your clients coverage– Mutual Care My Way

– Comprehensive coverage that allows them to stay at home longer

For producer use only.

Mutual Care My Way

Features Mutual Care® My Way

Benefit period 2 year3 year4 year5 year6 year8 yearLifetime

Maximum monthly benefit amount

$3,100 - $15,000(in $500 increments)

Monthly benefit options (percentage of maximum monthly benefit)

Home Care Assisted living Nursing home100% 100% 100%75% 75%50% 50%

For producer use only.

Mutual Care My Way

Cash benefit amount 35% of home health care monthly benefit

Elimination period calendar days

0 30 60 90 180

Inflation protection 5% compound (lifetime)5% simple4% compound (lifetime)3% compound (lifetime)20 year- 5% compoundNo inflation protection (includes Future Purchase Option)

For producer use only.

Mutual Care My Way

Optional Benefits• Spouse Shared Care • Spouse Waiver of Premium • Spouse Survivorship • Waiver of elimination period HHC • Additional benefit for injury • Restoration of benefits • ROP’s

– Full ROP at death – ROP less claims paid

For producer use only.

Mutual Care Plus

• Built in cash benefit 35%– Available day 1 ( 1st day of qualified need)– No elimination period– Can alternate benefits monthly between cash and

reimbursement- however elimination period must be satisfied for reimbursement benefits

– Waiver of Elimination period for Home Health Care does not apply

• Elimination periods:– Calendar day– Waiver of elimination period for HHC – days count toward

elimination period

For producer use only.

Mutual Care Plus

• Limited pay options– 10 pay

– 20 pay

– To age 65

Assured Solutions Gold

For producer use only.

Features Assured Solutions Gold

Benefit period 2 year3 year4 year5 year6 year8 yearLifetime

Maximum monthly benefit amount

$3,100 - $15,000(in $500 increments)

Monthly benefit options (percentage of maximum monthly benefit)

Home Care Assisted living Nursing home100% 100% 100%75% 75%50% 50%

Assured Solutions Gold

For producer use only.

Cash benefit amount 40% of home health care monthly benefit

Elimination period calendar days

0 30 60 90 180

Inflation protection 5% compound (lifetime)4.5% compound (lifetime) With Guarantee Buy-up4% compound (lifetime)3.5% compound (lifetime)3% compound (lifetime)5% compound -2x,3x4x maximum increase20 year- 5% compound5% Simple (lifetime)No inflation protection (includes Future Purchase Option)

Assured Solutions Gold

For producer use only.

Optional BenefitsCash Benefit increase from 40% to 50%Spouse Shared Care Spouse Waiver of Premium Spouse Survivorship Waiver of elimination period HHC Additional benefit for injury Restoration of benefits ROP’s

Full ROP at death ROP less claims paid

For producer use only.

Premium Allowances

• Married- 15%

• Spouse/Domestic Partner- 25%

• Association Group- Now 5%– No comp offset

• Producer- 5%

• Medicare Supplement- 5%

• Preferred – 13%

Multi-Life

For producer use only.

Mutual Care at Work-Multi-Life

• Group size: 3-250 participants

• Employer Paid & Voluntary programs

• Executive Carve-Out groups

• Core buy-up

• Individual Product - fully portable

For producer use only.

Mutual Care at Work Eligible Individuals

• Full-time employees (18-64)• Full-time spouses/domestic partners (18-64)• Retirees• Employees 65+• Spouses/domestic partners (65+ or not working full-time)• Parents• Grandparents• Siblings• Adult children (18+)• In-laws or step-equivalents

For producer use only.

Mutual Care My Way

• Same comprehensive benefits as Individual

• 3 Underwriting Programs– Modified Guaranteed Issue (MGI)

– Simplified Issue (SI)

– Full Underwriting

For producer use only.

Mutual Care at Work

• Modified Guaranteed Issue – Employer paid only (must purchase minimum benefit level)– Minimum 10 insured full time employees – Only available to employees ages (18-64)– 10% premium allowance– Underwriting Class - Select only– $1,500 -$4,500 Maximum Monthly Benefit– 2 or 3 year Benefit Period – $150,000 Maximum Lifetime Benefit – 3 Underwriting Questions– Spouses (ages 18-64) working 30+ hrs - Simplified Issue – All other employees or other participants - Full Underwriting

For producer use only.

MGI Underwriting Questions

For producer use only.

• Simplified Issue– Employer paid or voluntary– 10+ eligible employees/10 insured employees– 10% premium allowance– Underwriting Class – Select only– $1,500 -$9,000 Maximum Monthly Benefit– 2,3,4 or 5 year Benefit Period– $400,000 Maximum Lifetime Benefit – 6 Underwriting Questions– Spouses (ages 18-64) working 30+ hrs - Simplified Issue – All other employees or participants - Full Underwriting

Mutual Care at Work

For producer use only.

Simplified Issue- 3 addl questions

For producer use only.

• Full Underwriting– Employer paid or voluntary– 3 to 9 eligible employees/3 insured employees– 5% premium allowance– Underwriting Class - Preferred, Select, Class I or II

• Preferred – 15% premium allowance– $1,500 - $15,000 Maximum Monthly Benefit– 2,3,4,5,6,8 Benefit Period– $500,000 or Lifetime Maximum Lifetime Benefit– Spouses working/non-working and all other participants –

Full Underwriting

Mutual Care at Work