For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

AssurityBalance® Long-Term Care Insurance

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

November 10, 2010CNN Article

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.3

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Assurity Life is the result of the merger of three longtime insurers—the earliest founded in 1890

Headquarters in Lincoln, Nebraska Other product lines: Disability Income, Critical Illness, Life Insurance

& Annuities Licensed in every state except in New York Rated A- (Excellent) with stable outlook by A.M. Best

About Assurity Life Insurance Company

Opening Fall 2011

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.5

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

The Assurity and LifeCare Partnership

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Lower Loss RatiosThe measure of effective underwriting

Lower Premium RatesMade possible with a good risk pool

Stable PremiumsThe end result of a quality risk pool

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Helpful Hints

Get familiar with your client’s medical history, including all medications taken.

Cross reference medical conditions and medications with the Field Underwriting Guide.

Pay special attention to height/weight and smoking status – any cigarette use in the last 12 months.

Contact us for prescreening assistance.

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Cases Not to Submit

Previously declined for LTC Insurance Clients who are disabled Insulin-dependent diabetics Stroke/TIA Cancer within two years Co-morbid conditions:

– Diabetes and cardiac condition– Smoking and heart disease– Smoking and diabetes– Obesity and diabetes, heart disease, and/or smoking

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Sample Profiles For Rate Classes

Preferred

Nonsmoker Weight no more than 50% above the average

on Build Chart No medical conditions of significance Working full time Active No medications from the lists of uninsurable

drugs or drugs not eligible for the Preferred rate.

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Select

Smoker

Weight more than 50% above the average on Build Chart

Medical history such as coronary bypass, angioplasty, depression, arthritis, non-insulin controlled diabetes, internal cancer after two years

Sample Profiles For Rate Classes

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Standard

Significant conditions (emphysema, ulcerative colitis)

Co-morbid conditions (heart and lung disease, rheumatoid arthritis and fibromyalgia)

Morbid obesity

Sample Profiles For Rate Classes

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For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

Questions?

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Contact your local Plus Group office for more information. 

Go to www.plusgroupus.com and click on the office locator map

to find an office near you or call (800) 831-1018

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.

AssurityBalance® Long-Term Care Insurance

For Agent Use OnlyPolicy Form No. AL2100P. Policy availability, rates and features may vary by state.