Partnering with Assurity

About Assurity

• 120-year legacy—three Lincoln, Neb.-based insurance companies dating back to the 1890s

• A- (Excellent) rating from A.M. Best Company*

• More than $2.4 billion in assets under management

• Specializing in disability income, critical illness, life insurance and annuity products

• Focus on middle-income Americans

*A.M. Best Ratings range from A++ (Superior) to F (In liquidation)

Assurity’s Strengths

• Proven, broad portfolio of individual and worksite insurance products

• Comprehensive sales support

• Competitive commissions

• Long-lasting business relationships

• Exceptional service from experienced underwriters and claims payers

• Regional sales teams staffed with product, sales and competition experts

Assurity Disability Insurance

Assurity Balance Disability Products

• Designed for middle-income marketplace.

• Focus on blue, gray, and white collar occupations.

• Designed with flexibility to meet the specific needs of your clients.

18 percent of consumersremember their agent

mentioning income protection.

Source: LIMRA –2009

MARC, 2011

80% -

70% -

60% -

50% -

40% -

30% -

20% -

10% -

0% -Physician Dentist Attorney Executive Professional Managers Middle Income

75

10

5

0

Percent who have disability insurance

Number of people, in millions

Market Opportunity

Successful Disability Producer

• Has conviction

• Asks the right questions

• Presents the right solution

• Manages the expectation

• Understands the underwriting process

• Knows product changes and sales opportunities

Conviction

1. Believe in the product2. Own disability insurance on yourself3. Have a story to tell, www.protectyourpaycheck.org4. Set a goal and be committed to it

Assurity has been committed to DI for more than a century.

Focus on Disability Income

AssurityBalance® PDI-California

Qualifications Issue ages 18-60 (age nearest) Working full-time (30 hrs/week) Meeting the minimum income

requirements ($2,000/month)

“For Agent Use Only”

AssurityBalance® PDI-California

General Guidelines -Class 4A - $9,000 (1, 2 & 5)Class 3A - $9,000 (1, 2 & 5)Class 2A - $7,500 (1, 2 & 5*)Class 1A - $6,000 (1, 2 & 5*)Elimination periods of 30, 60, 90, 180 and 365 days** available

*Ages 56-60 are limited to a 1 or 2 year benefit period

**The Elimination Period for the Supplemental Disability Income Rider will be the same as the Elimination Period for the base policy unless the Insured is covered under the California State Disability Insurance Program. Employees covered under this plan will have a mandatory 365-dayElimination Period for the Rider.

“For Agent Use Only”

AssurityBalance® PDI-California

Optional Riders• Supplemental DI Rider (SDIR)

• Automatic Benefit Increase (ABIR)

• Recovery Benefit Rider• Return of Premium Rider

“For Agent Use Only”

SDIR Rider

Supplemental DI (SDIR) – Provides additional monthly benefit which is offset dollar for dollar with any legislated social insurance benefits received.

• Social Security• Worker Comp• Government Retirement and

Disability• Railroad Retirement and Disability

SDIR Example

• Valid claim begins, Assurity provides the contractual payments of $3,000 per month.

• Now Social Security DI approved and will pay $500 per month.

Policy has a $3,000 monthly benefit

$2,000 Base Benefit

+ 1,000 SDIR $3,000

• Assurity Pays:$2,000 Base Benefit$500 SDIR

• Social Security DI Pays:$500

TOTAL MONTHLY BENEFIT: $3,000 ($2,500 Assurity, $500 SSDI)

Return of Premium Rider provides a return of premium paid for policy and certain riders, less any claims paid, according to a schedule.

• 100 percent of premiums may be returned to policy owners that were ages 18-44 at issue if the policy lapses after 25 or more years.

• 50 percent of premiums may be returned to policy owners that were ages 45-55 at issue if the policy lapses after 10 or more years.

Return of Premium Rider

Return of Premium scheduleFor insured persons ages 18 through 44Completed Policy

Year

Return Percenta

ge

Completed

Policy Yr

Return Percenta

ge

1 0% 14 60%

2 0% 15 63%

3 5% 16 67%

4 8% 17 71%

5 9% 18 74%

6 13% 19 78%

7 22% 20 82%

8 30% 21 85%

9 36% 22 89%

10 42% 23 92%

11 47% 24 96%

12 51% 25+ 100%

13 56%

For insured persons ages 45 through 55

Completed Policy Yr

Return Percentage

1 0%

2 0%

3 5%

4 8%

5 9%

6 13%

7 22%

8 30%

9 40%

10 + 50%

• Your existing clients

Prospects

• Your existing clients

Prospects

Prospects

• Self-employed

Prospects

• Anyone with a mortgage

Prospects

One simple question:

Do you rely on your income to pay for your rent, car, groceries or

bills?

DI Sales Ideas

The DI GAME is a simple needs analysis for you to use with your customers.

Just ask them one simple question…If you become sick or injured and can no longer earn an income, how would you pay for your basic expenses? (such as Groceries, Auto, Mortgage and Electricity)

Brochures and a video are available. Visit AssureLINK to get started.This concept can be used for all Assurity DI products.

IllustrationChecklist

The premium should be

1 to 3 percent of the prospect’s annual

income.

DI Sales Ideas

These brochures can be used for all Assurity DI products.

Occupation Consumer Brochures

• Farmers/Ranchers • Contractors• Truck Drivers• Police Officers• Cosmetologists• Postal Workers

• Dental Hygienists • Railroad Employees• Firefighters, Parameds, EMTs• Generic (for any occupation)• Nurses• Pastors• Teachers• Real Estate• Government Employees• Transportation Workers

Assurity Critical Illness

Critical Illness Insurance

• Invented by Dr. Marius Barnard in South Africa in 1983.

• Marius assisted his brother, Christian, in first successful heart transplant.

• CI coverage was created to help those who survive critical illnesses financially recover.

Why sell critical illness insurance?

Broker income potential• Low current market penetration• Door opener• Current clients are a market• Client retention• Purchaser typically is also the

claimant• Superior referrals—at time of claim

Old vs. new or modern planning

• Question: What is the right insurance product for cancer, heart attack, stroke, etc.?

• Old planning…

• New or modern planning…

• Issue ages: 18 to 59• $5,000 to $50,000 in benefits available• 12 conditions covered• Guaranteed renewable to age 75• Riders include:

– Return of Premium Rider – Disability Waiver of Premium Rider– Accidental Death Benefit Rider– Spouse Critical Illness Benefits Rider– Children’s Critical Illness Benefits

Rider

Simplified Critical Illness Basics

Simplified Critical Illness 12 covered conditions

Fully underwritten Critical Illness basics

• Issue ages: 18 to 64• $50,000 to $500,000 in benefits available• 21 conditions covered• Guaranteed renewable for life• Riders include:

Disability Waiver of Premium RiderAccidental Death Benefit RiderSpouse Critical Illness Benefits RiderChildren’s Critical Illness Benefits Rider

Policy form I H0820 or CI 007 Product availability, rates and features may vary by state.

Fully underwritten Critical Illness

21 covered conditions

Questions?