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This presentation for Critical Illness This presentation for Critical Illness (CIBASE) and Critical Illness Plus (CIBASE) and Critical Illness Plus (CIPLUS) should only be used in the (CIPLUS) should only be used in the following states:following states:

Arizona Arkansas District of Columbia

Delaware Georgia IndianaKansas Louisiana MarylandMichigan Mississippi MissouriNorth Carolina Ohio OklahomaSouth Carolina Texas West VirginiaWisconsin

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The Western and Southern Life Insurance CompanyThe Western and Southern Life Insurance CompanyCincinnati, OhioCincinnati, Ohio

Policy series numbers 0907-80, 0907-80-U

It’s all about Survival!

FA-722-A 0806

33 of 21 of 21Sources:Sources: National Association for Critical Illness Insurance National Association for Critical Illness Insurance

““Health, United States, 2007”, pp 50, Centers for Disease Control & PreventionHealth, United States, 2007”, pp 50, Centers for Disease Control & Prevention

75758080

4646 4848

Average Life ExpectancyAverage Life Expectancy1900 – 47 years old1900 – 47 years old2002 – 77 years old2002 – 77 years old

Life ExpectancyLife Expectancy

MALEMALEFEMALEFEMALE

19001900 20022002

MALEMALEFEMALEFEMALE

Avg. Age of Critical Avg. Age of Critical Illness ClaimantsIllness Claimants43 years old43 years old

Today, we are living 30+ years longer

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The Longer A Person The Longer A Person Lives…Lives…

The greater the chance of being The greater the chance of being diagnosed with a critical illness diagnosed with a critical illness

““Heart Disease and Stroke Statistics: 2008 Update,” American Heart AssociationHeart Disease and Stroke Statistics: 2008 Update,” American Heart Association

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Critical Illness Facts and FiguresCritical Illness Facts and Figures Men have slightly less than a 1 in 2 lifetime risk of developing cancer; Men have slightly less than a 1 in 2 lifetime risk of developing cancer;

for women the risk is a little more than 1 in 3. for women the risk is a little more than 1 in 3.

About 780,000 Americans will have a stroke this year – that’s About 780,000 Americans will have a stroke this year – that’s someone every 40 seconds. someone every 40 seconds.

About 1,200,000 heart attacks will occur this year – 64% are new About 1,200,000 heart attacks will occur this year – 64% are new attacks and 36% are recurrent attacks. An additional 175,000 silent attacks and 36% are recurrent attacks. An additional 175,000 silent heart attacks are estimated to take place every year.heart attacks are estimated to take place every year.

Sources:Sources: “Cancer Facts & Figures: 2009,” American Cancer Society “Cancer Facts & Figures: 2009,” American Cancer Society “Heart Disease and Stroke Statistics: 2009 Update,” American Heart Association “Heart Disease and Stroke Statistics: 2009 Update,” American Heart Association

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Survival RatesSurvival RatesThe chances of surviving a critical illness are better today than ever. The chances of surviving a critical illness are better today than ever.

79%

45%

66%

30%

77%

24%

Heart AttackHeart Attack1 Year1 Year

CancerCancer5 Year5 Year

StrokeStroke1 Year1 Year

19501950 20022002 19501950 20032003 19501950 20022002

Sources:Sources: “Cancer Facts & Figures: 2008,” American Cancer Society“Cancer Facts & Figures: 2008,” American Cancer Society“Heart Disease & Stroke Statistics – 2008 Update,” American Heart Association“Heart Disease & Stroke Statistics – 2008 Update,” American Heart Association

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Many Survivors Many Survivors Experience…Experience…

““Financial Hardship” because Financial Hardship” because of the indirect costs associated of the indirect costs associated

with their illnesswith their illness

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Who Do You Know That Has Who Do You Know That Has Been Diagnosed With Cancer, Been Diagnosed With Cancer, Had A Heart Attack Or Stroke?Had A Heart Attack Or Stroke?

Family MemberFamily Member FriendFriend NeighborNeighbor Co-WorkerCo-Worker

Who do you think Who do you think planned to be on planned to be on this list?this list?

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Can You Afford To Say…Can You Afford To Say…

““It won’t happen to me?”It won’t happen to me?”

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When Someone Survives A When Someone Survives A Critical Illness, What Happens To Critical Illness, What Happens To Their…Their…

Quality of life?Quality of life?

Standard of living?Standard of living?

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The Cost To Your FamilyThe Cost To Your Family If you get cancer, have a heart attack, or suffer a stroke, If you get cancer, have a heart attack, or suffer a stroke,

what price would you and your family pay?what price would you and your family pay?

According to the American Cancer Society*:According to the American Cancer Society*:– 34% of the costs associated with cancer are direct costs. 34% of the costs associated with cancer are direct costs.

These are the costs most people think about and are These are the costs most people think about and are generally covered by traditional health insurance.generally covered by traditional health insurance.

– 66% of the costs are indirect costs. These costs are not 66% of the costs are indirect costs. These costs are not usually covered by traditional health insurance.usually covered by traditional health insurance.

What are some of these indirect costs?What are some of these indirect costs?

*Cancer Facts & Figures: *Cancer Facts & Figures: 20082008

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Co-insurance and deductibles Co-insurance and deductibles RehabilitationRehabilitation Home health care needsHome health care needs Loss of incomeLoss of income

How Would You Pay For How Would You Pay For These Indirect Costs?These Indirect Costs?

Home modifications Home modifications (such as wheelchair ramps)(such as wheelchair ramps)

Experimental medical Experimental medical treatmentstreatments

Additional child care or Additional child care or housekeeping costshousekeeping costs

Transportation and lodging Transportation and lodging for family members during for family members during treatmenttreatment

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Western & Southern Life’s Western & Southern Life’s Critical Illness Insurance PolicyCritical Illness Insurance Policy11

Pays you 100% of the maximum benefit amount in a lump-sum Pays you 100% of the maximum benefit amount in a lump-sum upon diagnosisupon diagnosis of one of the following conditions (as defined of one of the following conditions (as defined in the policy):in the policy): Life Threatening Cancer (Subject to Special Limitations set forth if first Life Threatening Cancer (Subject to Special Limitations set forth if first

diagnosed within 90 days after the policy date or date of last diagnosed within 90 days after the policy date or date of last reinstatement.)reinstatement.)22

Heart Attack (Myocardial Infarction)Heart Attack (Myocardial Infarction) StrokeStroke End Stage Renal FailureEnd Stage Renal Failure Major Organ TransplantMajor Organ Transplant

1 Critical Illness insurance does not replace the need for health insurance. Product and benefit availability vary by state.

2. Cancer Special Limitations vary by state. Ask your sales representative for more information.

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Pays you 25% of the maximum benefit amount for:Pays you 25% of the maximum benefit amount for:

Western & Southern Life’s Western & Southern Life’s Critical Illness Insurance PolicyCritical Illness Insurance Policy

First Ever Malignant Tumor Discovery (Carcinoma In-Situ. Excluding Skin First Ever Malignant Tumor Discovery (Carcinoma In-Situ. Excluding Skin Cancer). (Subject to Special Limitations set forth if first diagnosed Cancer). (Subject to Special Limitations set forth if first diagnosed

within 90 within 90 days after the policy date or date of late reinstatement)days after the policy date or date of late reinstatement)33

First Ever Coronary Artery Bypass SurgeryFirst Ever Coronary Artery Bypass SurgeryFirst Ever Coronary AngioplastyFirst Ever Coronary Angioplasty

3. Cancer Special Limitations vary by state. Ask your sales representative for more information.

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What if you don’t get sick?What if you don’t get sick? If you are If you are notnot diagnosed with cancer, have a heart attack, a stroke or any other diagnosed with cancer, have a heart attack, a stroke or any other covered critical illness…covered critical illness…

Western & Southern Life will return 100% of premiums (less claims Western & Southern Life will return 100% of premiums (less claims paid) to your beneficiary upon your death.*paid) to your beneficiary upon your death.*

* Not available in FL. ADB rider premiums are not included.

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Critical Illness Insurance Critical Illness Insurance Provides Choices:Provides Choices:

Pay off debts, mortgage, etc.Pay off debts, mortgage, etc. Move to a less stressful jobMove to a less stressful job Work fewer hoursWork fewer hours Take a leave of absenceTake a leave of absence

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Make your home wheel chair accessibleMake your home wheel chair accessible Arrange for child care while you’re recoveringArrange for child care while you’re recovering Pay for quality nursing carePay for quality nursing care Choose experimental or out of network Choose experimental or out of network

medical treatments or medical treatments or

A Living BenefitA Living Benefit

Anything else you desire!!Anything else you desire!!

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Critical Illness Insurance Is…..Critical Illness Insurance Is…..

Not about death, Not about death, it’s about survival!it’s about survival!

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The Choice Is YoursCritical Illness Insurance provides…Critical Illness Insurance provides… Benefit Amounts paid in a lump-sumBenefit Amounts paid in a lump-sum Benefit is paid income-tax freeBenefit is paid income-tax free Financial flexibilityFinancial flexibility Sense of control over your lifeSense of control over your life Money at time of need, when you need it mostMoney at time of need, when you need it most Money for you, not your beneficiaryMoney for you, not your beneficiary

THIS POLICY IS A LIMITED BENEFIT HEALTH POLICY. It contains limitations, exceptions, terms for keeping the policy in force, and may contain a reduction of benefits, depending on the policy purchased. Product availability, benefits provided, coverage, exclusions and limitations vary by state. Complete details of the coverage available in your state will be explained by your sales representative or is available upon request from the company.

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How Much Do You Need?How Much Do You Need?

If diagnosed with a critical illness…If diagnosed with a critical illness…

You will likely need You will likely need 12 to 18 months12 to 18 months of of your your gross monthly incomegross monthly income to meet the to meet the

cost of your indirect expenses. cost of your indirect expenses.

Source: “Heart Disease and Stroke Statistics: 2008 Update,” “Heart Disease and Stroke Statistics: 2008 Update,” American Heart AssociationAmerican Heart Association

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What Is The Cost What Is The Cost Of This Benefit?Of This Benefit?