Introducing

Multi-Life ProgramsMulti Life Programs

Twice as Simple to SellTwice as Simple to SellS2-6046 For Agent Use Only

AgendaSimplicityii - Multi-Life

Agenda

Affiliation & Employer ProgramH t Q t D i & S ftHow to Quote – Design & Software

Case Approval ProcessEmployer On-Line Enrollment

Here Comes Simplicityii

• When: First Introduction Date : April 2, 2007• AK, AL, CO, CT, IA, ID, MI, ND, OK, SC, SD, WY and

DC/DC TRUST → NJ• Second Introduction Date: May 1, 2007• AZ, GA, IN, KY, LA, ME, NE, NH, NM, NY,OH, PA, G , N, , , , N , N , N , N ,O ,• Third Introduction Date: June 1, 2007• AR DE IL KS NV VA WI WV• AR, DE, IL, KS, NV, VA, WI, WV• Simplicity cease sale 60 days after Simplicityii roll-out

Simplicity to Simplicityii

Transition Guidelines• Simplicity will cease sale 60 days after

Simplicityii is introduced.

• Existing Affiliation and Employer Program

cases will need to be converted to

Simplicityii moving forward.

• No new Affiliation paperwork needed

• New Employer Program Agreement form

needed.

The Simplicity Concept

T t B b BTarget: Baby Boomers

h C k• The New LTC Market• 76 Million, Educated, Planning for Retirement, , g• Desire to be Independent• Cash for Lifestyle Assurance should “Life

Change on a Dime”• Covers Emerging Technologies

h l i ifWhy Multi-Lifei f h C k• Fastest growing segment of the LTCI Market

• Call on one to sell many vs. many to sell oney y• Work during the business day on “your hours”• Turn an emotional sale into a logical Business

to Business sale• Utilize tax advantages to your advantage

Wh M dA i Si li it iiWhy MedAmerica Simplicity ii Multi-Lifeu e

• MedAmerica has a 90% issue rate on EP’sN C h B fi A i ll• New Cash Benefit Account easier to sell

• Sell what people want to buy: Life Style p p y yInsurance

• Enroll your groups on line with MedAmerica• Enroll your groups on-line with MedAmerica• Work with a dedicated Multi-Life Team

What is an Affiliation?

• Association

Constitution and/or By Laws

Member Based vs. Customer Based

Minimum of 5 members in Association

OR

Minimum 1 member purchasing coverage

• Employer

Minimum 5 employees in Groupp p

Minimum 1 employee purchasing coverage

Affiliation ProgramAffiliation Program• Discounts: 10% All Eligibles

P f d H lth 10%– Preferred Health -10%

– Care Partner Premium Reduction: 40% if both; 20% if one20% if one

– No Discount cap

• No limits on Plan DesignNo limits on Plan Design

• No defined open enrollment period

Mi i ti i ti : 1• Minimum participation: 1

Note: Discounts may vary by state

Affiliation ProgramMarket Fit

A i ti• Associations

• Small Businesses

• Executive carve outs

• Employers with less than 10 lives

• Great for perpetual marketing/enrollment

• Perfect fit with the SPEED App

• Short Form Application Process

• Ages 71 or younger• Ages 71 or younger

• Purchasing most popular CBA

$100 000$100,000

or $200,000

• 4 Question insurability profile and

meds.

Employer Program• Discount: 10%• Discount: 10%

• Care Partner rates for couples regardless if one or both purchaseregardless if one or both purchase

• Minimum size: 10 Active at Work EE’s

• Minimum participation: 10 apps from• Minimum participation: 10 apps from Active at Work EE’s answering “no” to 44 UW questions

Employer ProgramMarket Fit

• Privately held Small Businesses• Law & Accounting Firms• Physician Offices • Bank & Financial Institutions

S h l Di t i t• School Districts• Colleges & Universities• Technology Companies• Any Employers with a need for Underwriting Concessions• Any Employers with a need for Underwriting Concessions• Employer Paid Base Cases• Voluntary Cases Requiring Steam-lined On-Line Web

Enrollment and Limited Marketing support

Join the National Growth in EP Sales

Employer ProgramAdvantagesAdvantages

• Simplified Underwriting: During open enrollment• Actively-at-work employees• Actively-at-work spouses (30+hours/week)• Age 71 or younger• On-Line Website enrollment:

A MedAmerica 1st !

Why Sell #1 LTC Product

Twice as Simple to Sell• Everybody Understands & Needs CASH!

• New Face Amount ConceptNew Face Amount Concept

• Targeted to Baby Boomers - Relevant Today

• MedAmerica’s National HHC Cost Data – NEW!

• Speed App – 4 Questions! NEW!

• Partnership Ready NEW!

• Robust Multi-Life Program - Enchanced

Employer Program

Tools to Sell #1 LTC Product

Simplicity ii Launch Kit

T i Si l S llTwice as Simple to SellNow…….

With On Line Web Enrollment

Introducing

Multi-Life ProgramsMulti Life Programs

Twice as Simple to SellTwice as Simple to SellS2-6046 For Agent Use Only