Short-Term Home Health Care

Short-Term Home Health Care Guarantee Trust Life Near Guaranteed Issue VERY Fleible & Powerful! (Another MUST-HAVE for Your Senior Insurance Portfolio!) WELCOME! Simply Dial 1-866-299-7945, then 8754# when prompted. Today s Agenda The Carrier The Product Niche the need The Plan Details Completing the Application Calculating Rates Marketing Ideas Questions & Answers Short-Term Home Health Care GTL Home Health Care 1

Home Office Glenview, Illinois From 2013-15, GTL posted record operating gains Grew surplus by over 29% Grew assets by 35% ($496M) Grew reserves by 36%+ ($398M) Increased net premium to $221M. Guarantee Trust Life Current financial condition is the strongest ever in their 80 year history *May, 2015 A.M. Best upgraded to B++ GTL Supplemental Products Cancer * Critical Illness * Hospital Indemnity * LTC Alternative NEWSTC Home Care GTL Home Health Care 2

Why Choose This Policy? Can pay up to $450/day for 360 days (or less!) Benefits paid regardless of any other insurance Almost everyone qualifies only 2 or 3 health questions Currently in NH/ALF or receiving HHC? Unable to perform ADL s or cognitively impaired? Epect hospital/nh/alf/surgery or HHC services in net 60 days? (Only if top, Option C plan chosen) Up to $120/day for 60 days for HHC Aide no prior hospital stay required Built-in Prescription Drug Benefit up to $600/year! Built-in Restoration of Benefits Strong Hospitalization, Critical Accident, Ambulance & Dental/Vision Riders Available Policy Claim Triggers Functional or Cognitive Impairment Cannot perform 2 or more of the 6 ADL s without substantial assistance Bathing, continence, dressing, eating, toileting and transferring Includes hands on or stand by assistance (or) Cognitive Impairment (includes Alzheimer s/dementia) No 90-Day Epectation (6-Month Pre-Eisting Conditions Limitation) GTL Home Health Care 3

Base Plan HHC Benefits Combined Ma. Daily: $150 $300 $450 Ma. Benefit Period is 360 Days* *Idaho has a Maimum Benefit Period of 280 Days. Built-in HHC Aide Benefit Pays Over & Above Base Plan HHC Benefits No Prior Hospital Stay Required Ma. Benefit Period is 60 Days* *Idaho has a Maimum Benefit Period of 100 Days. GTL Home Health Care 4

Built-in R Benefit (Not avail. In KY.) Payable without regard to eligibility for other HHC Benefits Each re-fill received in a year would count best to wait Can Greatly Reduce Net Plan Cost Built-in Benefit Restoration Refers to both Base Plan and HHC Aide maimum benefit periods Benefits restore if: Covered HHC services have not been received for 180 consecutive days AND Licensed Health Care Practitioner certifies that insured has sufficiently recovered to no longer require HHC or nursing care services No limit to the number of times restored Prescription Drug benefit & riders restore yearly or have their own maimum lifetime benefit limits Possibility for Multiple Claims GTL Home Health Care 5

Optional Rider (1 time 30-Day Waiting Period. Special rules in ID, PA & UT**) Accident & Sickness Hospitalization Rider Full daily benefits are paid as long as confinement was at least 24 hours Benefits Restore After 60 Days **ID ALSO pays $40/day for remainder days up to 31 days. PA ALSO pays $15/day for remainder days up to 31 days. UT has 10 days option only. Optional Rider Critical Accident Rider (1 time 30-Day Waiting Period. Not avail. in DE, KY, MD, MT or TN.) Lump-sum payments after emergency room or urgent care Fractures to fingers, toes, ribs, coccy or caused by acquired disease not covered (see rider details) No Restoration of Ma. Benefit GTL Home Health Care 6

Optional Rider Ambulance Benefit Rider (Not available in KY.) For ground service to or from a medical facility up to 4/year No hospital confinement required Lifetime maimum of $2,500 No Restoration of Ma. Benefit Optional Rider Dental/Vision Rider (Not available in DC, GA, ID, KY, MD, MO or TN.) Per calendar year deductible & co-pay ($100 & 20%/80%) Limited first-year benefits (& usually half of ma. above) Prescription eyewear paid at up to $200/year Eye eam/refraction paid at up to $50/year (no deductible) Dental cleaning paid at up to $75/year (no deductible) Annual Restoration of Benefits GTL Home Health Care 7

Optional Rider DENTAL Details After 3 Mos.: One annual eam & dental cleaning at up to $75/year (no deductible) After 6 Mos.: Fillings or root canal treatment After 12 Mos.: Bridges, crowns, dentures, out-patient dental surgery, full mouth etractions, fluoride treatments and services/treatment relating to replacement of teeth missing prior to effective date. After 12 Mos.: Replacement or repair of eisting bridges or dentures (if result of Injury, the 12 Mos. wait not applicable) Annual Restoration of Benefits Optional Rider VISION Details After 3 Mos.: One eye eam OR One eye refraction up to $50/year (no deductible) After 6 Mos.: Eyeglasses or contact lenses up to $200/year (if needed as result of injury, the 6 Mos. wait not applicable) Annual Restoration of Benefits GTL Home Health Care 8

Ask Mayo Clinic Free Ask Mayo Clinic 24-Hour Nurse Line 24/7 access RN s have average of 24 years eperience Ask Mayo Clinic Online On-demand, secure web-based tool Private, anonymous & easy assessment for symptoms Ask Mayo Clinic Critical Illness Support Cancer, heart attack & stroke eperts available Help w/ test results, medications, treatment options, etc. Guided to a lower, more appropriate level of care than they originally intended to seek* Would have sought an inappropriate level of care had they not called Ask Mayo Clinic* Report a high level of satisfaction with Ask Mayo Clinic* *Caller statistics from Ask Mayo Clinic, Book of Business, 2015. 29 (+DC) States Approved* as of Nov. 1st, 2017 AL, AK, AZ, AR, DE, DC, GA, HI, ID, IL, IN, IA, KY, LA, MD, MI, MS, MO, MT, NE, NC, NV, OH, OK, PA, SC, TN, UT, WV & WY *(Awaiting more all the time!) Note: RED states are where Kemper HHC is NOT available! KY has NO Plan A & NO riders or R benefit. No Crit. Acc. Rider in DE, KY, MD, MT or TN. No Den./Vis. Rider in DC, GA, ID, KY, MD, MO or TN. Epecting Many State Approvals GTL Home Health Care 9

Completing the App. SIMPLE Two Health Question Application (Three questions if Plan Option C) Just 5 Pages in App Packet! App Page 1: Basic Information GTL Home Health Care 10

App Page 1: Applicant Information App Page 1: Step 1: Base Plan Options GTL Home Health Care 11

App Page 2: Step 2: First Optional Bens App Page 2: Step 2 (cont.): Optional Bens GTL Home Health Care 12

App Page 2: Step 3: Pre-Qualification App Page 2: Step 3 (cont): Replacement GTL Home Health Care 13

App Page 3: A & A Signature Page App Page 4: Agent s Statement GTL Home Health Care 14

App Page 4: Monthly EFT Approval Note: No CWA needed if monthly EFT. App Page 5: Notices & Receipt GTL Home Health Care 15

Info Packet: Leave with Applicant E-Consent: GTL Home Health Care 16

Calculating Rates Four Pages Total Cover Simple Rate Worksheet Monthly Rate Charts Annual Rate Charts Note: Some states have their own rate book. A Quick Note on Rates Incredibly Fleible E: Female Age 51 VERY AFFORDABLE: Premium Only $14.22/Month Plan A no Etra Riders Up to $150/Day Base HHC $54,000 Ma. Base Benefit $40/Day HHC Aide Benefit $2,400 Ma. HHC Aide R Benefit up to $300/Yr! Restoration of Benefits From $171/Year to $1,043/Year Premium Fleibility! VERY ROBUST: Premium $86.91/Month Plan C w/ Ma. Riders Up to $450/Day Base HHC $162,000 Ma. Base Benefit $120/Day HHC Aide Benefit $7,200 Ma. HHC Aide R Benefit up to $600/Yr! Restoration of Benefits $300/day for 6 Days Hosp.; $10K Crit. Acc.; $2,500 Ambulance; $1,200/Yr D/V! GTL Home Health Care 17

A Quick Note on Rates Compared to Kemper HHC* * Kemper AL rates shown What If 2 GTL Products? Critical Cash w/ New HHC Female-Age 51 GTL Critical Cash: Premium $68.16/Month $24K Lump-Sum Diagnosis $2,500/mos. Addn l if ALF $5,000/mos. Addn l if NH 24 Month Coverage $432,000 Ma. Benefit Cancer, Stroke, Alzheimer s, Heart Attack, etc. Total $102.55/Month Strong protection & easier UW! GTL Short-Term HHC: Premium $34.39/Month Up to $450/Day Base HHC $162,000 Ma. Base Benefit $120/Day HHC Aide Benefit $7,200 Ma. HHC Aide R Benefit up to $600/Yr! Restoration of Benefits $10K Critical Accident Rider $2,500 Ambulance Rider GTL Home Health Care 18

Simple Worksheet Included Important Agent Note: Like Kemper s HHC plan, rates do go up as insured s hit new age tiers. Step 1: 54.22 Note: Let s use a 66 Yr-old Female as an eample. Determine Base Rate(s) GTL Home Health Care 19

Step 2: 16.25 Accident & Sickness Rider Step 2 (cont.): 3.08 Ambulance Rider ($200/trip; 4/year; $2,500 ma.) GTL Home Health Care 20

Step 2 (cont.): 3.08 6.50 Critical Accident Rider ($10K ADB; $2.5K Hip/Skull Fracture; $2K Hip Dis.; $1K Knee; $500 Other Fracture) Step 2 (cont.): 3.08 6.50 38.17 Dental & Vision Rider (Limited 1st year; Includes $200 for glasses or contact lenses) GTL Home Health Care 21

Step 3: $ 54.22 $ 16.25 $ 3.08 $ 6.50 $ 38.17 $118.22 54.22 Include spouse if applicable. 16.25 3.08 6.50 38.17 $118.22 28.25 Step 3 (or 3-5): $ 54.22 $ 16.25 $ 3.08 $ 6.50 $ 38.17 $118.22 $1,418.64/yr 54.22 Include spouse if applicable. 16.25 3.08 6.50 38.17 $118.22 28.25 GTL Home Health Care 22

Calculating Rates From GTL Site Agent Portal Screen: Calculating Rates From GTL Site Agent Portal Screen: GTL Home Health Care 23

Calculating Rates From GTL Site Agent Portal Screen: Calculating Rates From GTL Site Agent Portal Screen: GTL Home Health Care 24

Calculating Rates From GTL Site Agent Portal Screen: Calculating Rates From GTL Site Agent Portal Screen: GTL Home Health Care 25

Calculating Rates From GTL Site Agent Portal Screen: Calculating Rates From GTL Site Agent Portal Screen: GTL Home Health Care 26

THANK YOU FOR ATTENDING! GoldenCare USA ~ 800-842-7799 www.goldencareagent.com GTL Home Health Care 27