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Transcript of For producer use only. Not for use with consumers. This presentation is not for use in California....
For producer use only. Not for use with consumers. This presentation is not for use in California.
The Power of ChoiceAn Introduction to The Protector+SM
For producer use only. Not for use with consumers. This presentation is not for use in California.
Crossroads – An ability to choose directionWhich way will you go?Which option will you choose?
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“PRESUMPTIVE TOTAL DISABILITY – Your total and permanent loss, because of Your Injury or Sickness, of one of the following:
1. Speech;
2. Hearing in both ears, not restorable by hearing aids;
3. Sight in both eyes (see below);
4. Use of both hands;
5. Use of both feet; or
6. Use of one hand and one foot.
Total and permanent loss of sight in both eyes means that both eyes must measure at or below 20/200, after reasonable efforts are made to correct their vision, using the most advanced medically acceptable procedures and devices available.”
The Protector Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“PRESUMPTIVE TOTAL DISABILITY – Your total and permanent loss, because of Your Injury or Sickness, of one of the following:
1. Speech;
2. Hearing in both ears, not restorable by hearing aids;
3. Sight in both eyes (see below);
4. Use of both hands;
5. Use of both feet; or
6. Use of one hand and one foot.
Total and permanent loss of sight in both eyes means: Both eyes must measure at or below 20/200, after reasonable efforts are made to correct their vision, using the most advanced medically acceptable procedures and devices available.”
The Protector+ Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“TOTAL DISABILITY/TOTALLY DISABLED – Because of Your Injury or Sickness:
1. You are unable to perform the substantial and material duties of Your Regular Occupation; and
2. You are not engaged in any other gainful occupation; and
3. You are under the regular care of a Physician appropriate for Your Injury or Sickness. This Physician’s care requirement will be waived when We receive written proof, satisfactory to Us, that further care would be of no benefit to You.”
The Protector Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“TOTAL DISABILITY/TOTALLY DISABLED – Because of Your Injury or Sickness:
1. You are unable to perform the substantial and material duties of Your Regular Occupation; and
2. You are not engaged in any other gainful occupation; and
3. You are under the regular care of a Physician appropriate for Your Injury or Sickness. This Physician’s care requirement
will be waived when We receive written proof, satisfactory to Us, that further care would be of no benefit to You.”
The Protector+ Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“RESIDUAL DISABILITY/RESIDUALLY DISABLED – Residual Disability means You are not Totally Disabled, but because of Your Injury or Sickness:
1. Your Monthly Earnings are reduced by 20% or more of Your Indexed Prior Monthly Earnings; and
2. You are under the regular care of a Physician appropriate for Your Injury or Sickness; and
3. You are able:
a. To do some, but not all, of the substantial and material duties of Your Regular Occupation; or
b. To do all of the substantial and material duties of Your Regular Occupation, but not for as long a time or as effectively as You did immediately prior to Your Injury or Sickness.”
The Protector Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has stayed the same?
“RESIDUAL DISABILITY/RESIDUALLY DISABLED – Residual Disability means You are not Totally Disabled, but because of Your Injury or Sickness:
1. Your Monthly Earnings are reduced by 20% or more of Your Indexed Prior Monthly Earnings; and
2. You are under the regular care of a Physician appropriate for Your Injury or Sickness; and
3. You are able:
a. To do some, but not all, of the substantial and material duties of Your Regular Occupation; or
b. To do all of the substantial and material duties of Your Regular Occupation, but not for as long a time or as effectively as You did immediately prior to Your Injury or Sickness.”
The Protector+ Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has improved?
“REHABILITATION BENEFIT – While receiving the Benefit For Total Disability, You may join a vocational rehabilitation program. We will continue to pay the Benefit For Total Disability while:
1. You actively participate in a rehabilitation program approved by Us; and
2. You continue to be Totally Disabled.
While You participate in a program under this section, We will pay the Benefit For Total Disability for the lesser of:
1. 36 months; or
2. The number of months remaining in the Maximum Benefit Period.
If We approve the program, We will also pay any reasonable costs for the program not covered by any other plans, policies or programs.”
The Protector Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
“REHABILITATION BENEFIT – While Disability Benefits are being paid, either You or We may propose a Rehabilitation Program. If the Program is approved by Us and accepted by You, We will pay a Rehabilitation Benefit. This benefit will pay:
1. The reasonable costs of a Rehabilitation Program not otherwise covered by any other plan, policy or program; and
2. The difference, if any, between:
a. The benefit You would be eligible for if You were Totally Disabled; and
b. The Disability Benefit for which You are eligible;
for up to 36 months according to the terms of the Program. In no case will We pay any Rehabilitation Benefit beyond the end of the Maximum Benefit Period. Payment of this benefit will be in addition to any other payment that may be due under the policy.”
Base Policy – What has improved?
The Protector+ Policy Definition
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Base Policy – What has changed?
• Regular Occupation– definition expanded to include what happens when insureds
retire during their working years
• Exclusion for Self-Inflicted Injury– previously fell under the definition of injury
– now included in the exclusion list
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
What about?
• Guaranteed Renewable Chassis: three year rate guarantee
• Residual rider for all occupation classes:no prior total disability required
• Waiver of premium, transplant, cosmetic surgery benefit, survivor benefit: built in
• FPO pool at $5,000
• Same
• Same
• Same
• Same
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Optional Riders – What has changed?
• Noncancelable Policy Rider (Noncan)– expanded to include occupation classes A and B
• Residual Disability Rider (Residual)– lump sum recovery period expanded from
four to six months
• Indexed Cost of Living Rider (ICOL)– choice between 3% or 6%
– both percentages have a “catch up” provision
– ability to purchase benefits at recovery
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Optional Riders – What has changed?
• Own Occupation Benefit Rider (Own Occ)– Mental Disorder/Substance Abuse limitation tied
to the purchase of this rider
• Mental Disorder/Substance Abuse Limitation– no longer part of the base policy
– only added with purchase of Own Occ rider or atunderwriting discretion
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
New Riders
• Catastrophic Disability Benefit Rider (Cat)– catastrophic benefits paid in addition to maximum monthly
disability income benefits, triggered by inability to do two of six activities of daily living (ADL) or severe cognitive impairment
• ADLs include: bathing, continence, dressing, eating, toileting and transferring (moving into and out of a bed, chair or wheelchair)
– maximum limits, the lesser of • $8,000, or• 3x the basic monthly benefit, or • the sum of Cat and all DI (group and individual) cannot exceed
100% earned income
For producer use only. Not for use with consumers. This presentation is not for use in California.
Additional FeaturesYour client has the choice of coverage from one carrier
For producer use only. Not for use with consumers. This presentation is not for use in California.
How?
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Which to choose?
Noncan
Own Occ with two-year Mental Disorder/Substance
Abuse Limitation
ICOL – 3%
Guaranteed Renewable
Base definition for Total Disability without two year limitation for Mental Disorder/Substance Abuse
ICOL – 6%
OR
The Power of Choice
OR
OR
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
New Occupation Classes for Physicians
• 4P
• 3P
in addition to previous occ classes:
5A
4A
3A
2A
A
B
Issue Limits
$15,000 issue $20,000 participation with group
$10,000 issue $15,000 participation with group
and individual
$15,000
$15,000
$10,000
$10,000
$8,000
$8,000
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
How are discounts applied?
• 10% for Associations (now Gender Neutral)
• 10% for Multi-Life (three or more lives)
• 15% for Voluntary Guaranteed Standard Issue (VGSI)
• 20% for Mandatory Guaranteed Standard Issue (MGSI)
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
2000 Protector Premium Rates by Occupation Class – A Baseline Representation*
5A 4A 3A 2A AB
* This is a hypothetical depiction only and does not reflect actual revenues
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
2000 Protector – Baseline vs. Market Perception*
5A 4A 3A 2A AB
* This is a hypothetical depiction only and does not reflect actual revenues
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
5A 4A 3A 2A AB
2000 Protector Baseline vs. Market Perception vs. 2005 Protector+ Premium Rates*
4P
3P
* This is a hypothetical depiction only and does not reflect actual revenues
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $946/$859 $1,587/$1,305 $2,347/$1,680
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Age 35 Age 45 Age 55
4A $1,021/$1,137 $1,722/$1,780 $2,559/$2,320
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,021/$1,369 $1,722/$2,141 $2,559/$2,676
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,150/$1,223 $1,988/$1,963 $3,009/$2,662
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,150/$1,596 $1,988/$2,564 $3,009/$3,349
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $946/$859 $1,587/$1,305 $2,347/$1,680
no own occ $745 $1,093 $1,463
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,021/$1,137 $1,722/$1,780 $2,559/$2,320
no own occ $984 $1,489 $2,018
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,021/$1,369 $1,722/$2,141 $2,559/$2,676
no own occ $1,184 $1,790 $2,328
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,150/$1,223 $1,988/$1,963 $3,009/$2,662
no own occ $1,058 $1,641 $2,315
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,150/$1,596 $1,988/$2,564 $3,009/$3,349
no own occ $1,379 $2,142 $2,911
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
2A $1,806/$1,710 $2,936/$2,583 $4,119/$3,416
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
A $2,174/$2,401 $3,407/$3,381 $4,935/$4,442
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 5-year BP noncan, residual
Age 35 Age 45 Age 55
B $1,583/$1,676 $2,442/$2,415 $5,498/$3,977
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $946/$859 $1,587/$1,305 $2,347/$1,680
no own occ $745 $1,093 $1,463
no noncan $515 $708 $930
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,021/$1,137 $1,722/$1,780 $2,559/$2,320
no own occ $984 $1,489 $2,018
no noncan $673 $954 $1,272
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,021/$1,369 $1,722/$2,141 $2,559/$2,676
no own occ $1,184 $1,790 $2,328
no noncan $806 $1,144 $1,465
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,150/$1,223 $1,988/$1,963 $3,009/$2,662
no own occ $1,058 $1,641 $2,315
no noncan $720 $1,049 $1,451
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,150/$1,596 $1,988/$2,564 $3,009/$3,349
no own occ $1,319 $2,142 $2,911
no noncan $934 $1,364 $1,820
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
2A $1,806/$1,710 $2,936/$2,583 $4,119/$3,416
no noncan $1,155 $1,642 $2,134
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
A $2,174/$2,401 $3,407/$3,381 $4,935/$4,442
no noncan $1,617 $2,145 $2,769
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Male $3,000 base 90 5-year BP noncan, residual
Age 35 Age 45 Age 55
B $1,583/$1,676 $2,442/$2,415 $5,498/$3,977
no noncan $1,132 $1,536 $2,481
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $1,510/$1,447 $2,188/$1,993 $2,719/$2,354
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,656/$1,981 $2,392/$2,772 $2,972/$3,273
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,656/$2,538 $2,392/$3,430 $2,972/$3,840
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,906/$2,275 $2,793/$3,211 $3,510/$3,836
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,906/$2,963 $2,793/$4,006 $3,510/$4,540
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $1,510/$1,447 $2,188/$1,993 $2,719/$2,354
no own occ $1,220 $1,636 $2,021
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,656/$1,981 $2,392/$2,772 $2,972/$3,273
no own occ $1,669 $2,272 $2,808
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,656/$2,538 $2,392/$3,430 $2,972/$3,840
no own occ $2,135 $2,811 $3,293
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,906/$2,275 $2,793/$3,211 $3,510/$4,836
no own occ $1,915 $2,631 $3,290
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,906/$2,963 $2,793/$4,006 $3,510/$4,540
no own occ $2,492 $3,281 $3,893
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
2A $2,699/$2,375 $3,704/$3,149 $4,427/$3,498
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
A $2,918/$3,996 $4,074/$4,576 $5,141/$4,298
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 5-year BP noncan, residual
Age 35 Age 45 Age 55
B $2,091/$2,305 $2,912/$3,067 $5,820/$3,913
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $1,510/$1,447 $2,188/$1,993 $2,719/$2,354
no own occ $1,220 $1,636 $2,021
no noncan $787 $1,029 $1,268
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,656/$1,981 $2,392/$2,772 $2,972/$3,273
no own occ $1,669 $2,272 $2,808
no noncan $1,067 $1,420 $1,749
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,656/$2,538 $2,392/$3,430 $2,972/$3,840
no own occ $2,135 $2,811 $3,293
no noncan $1,361 $1,753 $2,048
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,906/$2,275 $2,793/$3,211 $3,510/$3,836
no own occ $1,915 $2,631 $3,290
no noncan $1,217 $1,637 $2,037
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,906/$2,963 $2,793/$4,006 $3,510/$4,540
no own occ $2,492 $3,281 $3,893
no noncan $1,579 $2,038 $2,408
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
2A $2,699/$2,375 $3,704/$3,149 $4,427/$3,498
no noncan $1,505 $1,956 $2,165
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
A $2,918/$3,996 $4,074/$4,576 $5,141/$4,298
no noncan $2,523 $2,836 $2,657
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 5-year BP noncan, residual
Age 35 Age 45 Age 55
B $2,091/$2,305 $2,912/$3,067 $5,820/$3,913
no noncan $1,461 $1,906 $2,420
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
5A $1,510/$1,447 $2,188/$1,993 $2,719/$2,354
no own occ $1,220 $1,636 $2,021
no noncan $787 $1,029 $1,268
GN
10% $844 $1,281 $1,638
15% $802 $1,222 $1,606
20% $757 $1,152 $1,514
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4A $1,656/$1,981 $2,392/$2,772 $2,972/$3,273
no own occ $1,669 $2,272 $2,808
no noncan $1,067 $1,420 $1,749
GN
10% $1,116 $1,748 $2,261
15% $1,061 $1,666 $2,217
20% $1,001 $1,570 $2,089
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
4P $1,656/$2,538 $2,392/$3,430 $2,972/$3,840
no own occ $2,135 $2,811 $3,293
no noncan $1,361 $1,753 $2,048
GN
10% $1,344 $2,102 $2,608
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3A $1,906/$2,275 $2,793/$3,211 $3,510/$3,836
no own occ $1,915 $2,631 $3,290
no noncan $1,217 $1,637 $2,037
GN
10% $1,200 $1,927 $2,594
15% $1,140 $1,837 $2,543
20% $1,076 $1,731 $2,396
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, own occ, residual
Age 35 Age 45 Age 55
3P $1,906/$2,963 $2,793/$4,006 $3,510/$4,540
no own occ $2,492 $3,281 $3,893
no noncan $1,579 $2,038 $2,408
GN
10% $1,566 $2,517 $3,264
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
2A $2,699/$2,375 $3,704/$3,149 $4,427/$3,498
no noncan $1,505 $1,956 $2,165
GN
10% $1,668 $2,453 $3,097
15% $1,583 $2,337 $3,034
20% $1,493 $2,202 $2,858
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 66/67 noncan, residual
Age 35 Age 45 Age 55
A $2,918/$3,996 $4,074/$4,576 $5,141/$4,298
no noncan $2,523 $2,836 $2,657
GN
10% $2,340 $3,303 $3,970
15% $2,221 $3,146 $3,889
20% $2,093 $2,963 $3,663
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
Premiums: Protector vs. Protector+Female $3,000 base 90 5-year BP noncan, residual
Age 35 Age 45 Age 55
B $2,091/$2,305 $2,912/$3,067 $5,820/$3,913
no noncan $1,461 $1,906 $2,420
GN
10% $1,634 $2,321 $3,569
15% $1,552 $2,212 $3,496
20% $1,463 $2,084 $3,293
©1999-2005 StanCorp Financial Group, Inc. 12676 (8/05)
For producer use only. Not for use with consumers. This presentation is not for use in California.
• Commission changes• Transition rules
For producer use only. Not for use with consumers. This presentation is not for use in California.
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