Tailored Disability Income Choice Portfolio for Diverse Client Needs

1. Disability Income Choice Portfolio That Works for Me For producer use only.

2. Disability Income Choice Portfolio Why Sell Our Products?

3. Product Design • Portfolio of products fits almost any DI sales scenario • Flexible benefit options to tailor coverage to your clients’ needs • Single application for all products, including BOE

4. Product • Choice of 4 product offerings: • Short-Term Accident Only • Short-Term Accident/Sickness • Long-Term Accident/Sickness • Business Operating Expense • One application for all products

5. Disability Income Choice Portfolio Which One Works for Your Client?

6. DI Choice Sales – Top 30 Occs

7. Short-Term Accident ORShort-Term Accident & Sickness • Target Market: • Ages 25-55 • Blue/Gray Collar • Household Income: $15,000-$75,000 • Self-employed • Families

8. Who Buys Short Term DI? • Client “maxed out” on Long-term DI • Premium sensitive prospect • Prospect who doesn’t want to self fund 90 days • Applicant declined for traditional DI (for STA) • Seamless protection- dove tail with group LTD or DI

9. Short-Term Accident ORShort-Term Accident & Sickness • Issue Ages: 18-61 • Elimination Periods: 14, 30, 60 or 90 days • Benefit Periods: 3, 6, 12 or 24 months • Maximum Monthly Benefit Amount: $5,000

10. Long-Term Accident and Sickness • Target Market: • Ages 35 – 55 • White Collar/Professional • Household income: $50,000+ • Mature Families

11. Long-Term Accident & Sickness • Issue Ages: 18 – 61 • Elimination Periods: 60, 90, 180 or 365 days • Benefit Periods: 2, 5, 10 years and to age 67 • Maximum Monthly Benefit Amount: $10,000 ($12,000 if SIS rider is added)

12. Long-Term Accident & Sickness • Renewability • Guaranteed renewable to age 67 • May continue to age 75 if Insured is working full-time • Conditional Renewable from 67-75 Preferential Rates • 15% Discount* • Association Group • Self-employed • No comp offset *may vary by state

13. Mutual of Omaha DI Choice • Multiple coverage’s allowed on a single individual • Example: Long-Term Accident/Sickness (90-Day Elimination Period/5-Year Benefit Period) + • Short-Term Accident Only (14-Day Elimination Period/3-Month Benefit Period) • This is a great alternative for clients who may want a shorter elimination period for accidents than for sickness.

14. Product Summary Item#M26117_0208

15. Disability Income Choice Portfolio Policy Base Benefits

16. Total Disability Benefits • During and after elimination period, due to an injury that is not covered by workers compensation, Insured is: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care STAO x STAS LTAS Short-term Accident Only Short-term Accident & Sickness Long-term Accident & Sickness

17. Total Disability Benefits • During and after elimination period, due to an injury or sickness that is not covered by workers compensation, Insuredis: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care STAO x STAS LTAS

18. Total Disability Benefits • During the elimination period and during the first 24 months following the elimination period, due to injury or sickness, the Insured is: • Unable to perform duties of regular occupation • Not engaged in any occupation for wage or profit • Receiving regular medical care • After the first 24 months following the elimination period, due to sickness or injury, the Insured is: • Unable to perform duties of any occupation because of education, training or experience • Receiving regular medical care STAO STAS x LTAS

19. Partial Disability Benefit • If an injury that is not covered by workers compensation prevents the Insured from performing duties of regular occupation for more than 50 percent of the time, the Insured must: • Be receiving regular medical care x STAO STAS LTAS

20. Partial Disability Benefit • If an injury or sickness that is not covered by workers compensation prevents the Insured from performing duties of regular occupation for more than 50 percent of the time, the Insured must: • Be receiving regular medical care x STAO STAS LTAS

21. Proportionate Disability Benefit • During the elimination period and during first 24 months following the elimination period, due to injury or sickness, the Insured must: • Be unable to perform duties of regular occupation • Have a loss of monthly income at least 20 percent of prior monthly income • Be receiving regular medical care • After the first 24 months following the elimination period, due to sickness or injury, the Insured must: • Be unable to perform duties of any occupation because of education, training or experience • Have a loss of monthly income at least 20 percent of prior monthly income • Be receiving regular medical care x STAO STAS LTAS

22. Survivor Benefit & Waiver of Premium Survivor Benefit • Pays beneficiaries lump sum equal to three times total disability monthly benefit Waiver of Premium • Waives premiums on policy and riders • Insured must be disabled for 90 days • Refunds any premiums paid during 90-day period x x x STAO STAS LTAS

23. Recurrent Disability • If a related disability occurs within six months of return to full-time employment, or if an unrelated disability occurs within 30 days of return to full-time employment: • It is considered to be a recurrent disability. • A new elimination period will not need to be satisfied • The same benefit period will continue x x x STAO STAS LTAS

24. Presumptive Total Disability • The Insured is presumed to be totally and permanently disabled if: • An injury results in complete and irrecoverable loss of: • Hearing, speech, sight, or use of both hands, both feet or one hand and one foot • Total disability benefits paid for full length of benefit period • Elimination period will be waived x STAO STAS LTAS

25. Presumptive Total Disability • The Insured is presumed to be totally and permanently disabled if: • Injury or sickness results in complete and irrecoverable loss of: • Hearing, speech, sight, or use of both hands, both feet or one hand and one foot • Total disability benefits paid for full length of benefit period • Elimination period will be waived x x STAO STAS LTAS

26. Terminal Illness Benefit • The Insured has the option to accelerate up to 12 months of disability benefits when diagnosed with a terminal illness • The policy terminates after this benefit is paid x x STAO STAS LTAS

27. Disability Income Choice Portfolio Optional Riders (all riders available at issue only)

28. Social Insurance Supplement Benefits Rider Additional monthly benefit that offsets dollar-for –dollar with other forms of social insurance, such as Social Security Disability Income (SSDI) or Workers Compensation x STAO STAS LTAS

29. Future Insurability Option Rider • Issue ages: 18-51 • Insured can buy up base coverage as his or her income increases, regardless of changes in health status • Maximum increase = 2X base benefit, but base benefit may not exceed $10,000 • Rider premium decreases upon exercise of benefit • Can be exercised once a year • Can buy up an additional 25% of original base each time x STAO STAS LTAS

30. Extended Own Occupation Disability Definition Amendment Rider Extends the Insured’s own occupation disability protection past two years, to the duration of the benefit period. x STAO STAS LTAS

31. Extended Proportionate Disability Benefits Rider Extends the maximum period for which proportionate disability benefits are payable past 24 months, to the duration of the benefit period. x STAO STAS LTAS

32. Cost of Living Adjustment Rider • Increases the Insured’s monthly benefit while disabled, so his or her benefits are not degraded by inflation. • Monthly benefit will increase annually by the lesser of the percentage change in the CPI-U, or 5%. x STAO STAS LTAS

33. Hospital Confinement IndemnityBenefits Riders • Pays up to $500 DRB for each day the Insured is confined to a hospital due to an injury(sickness) • 2 X DRB for ICU confinement • No waiting period for accident only version/one day wait for accident/sickness version • Benefits payable even if not disabled • No additional underwriting x x STAO STAS LTAS

34. Critical Illness Benefits Rider • When diagnosed with certain specific diseases, the insured will be paid a lump sum of: • $5,000 • $10,000 • $15,000 or • $25,000 • The insured does not have to be disabled to get this benefit x x STAO STAS LTAS

35. Critical Illness Conditions • Alzheimer’s Disease • Blindness • Deafness • Heart Attack • Life-Threatening Cancer • Major Organ Transplant • Paralysis • Renal Failure • Stroke x x STAO STAS LTAS

36. Return of Premium Rider • Two options • 50% of premium returned every 10 years OR • 80% of premium returned every 10 years Not available: CT, MD, NH, NJ, NY, RI, TN, WA

37. Disability Income Choice Portfolio Business Operating Expense

38. Business Operating Expense (BOE) • Target Market: • Small Business Owners • Self-Employed • White Collar • Professional • Average Salary: $35,000+

39. Product Brochures

40. Highlight Sheets

41. Prospecting Letters

42. DI Self-mailer

43. Consumer Need Brochure

44. STAS Rate Guide

45. Other Niches • www.disabilityincomechoice.com FREE CE • Approved in NY • ROP • Association Discounts 10-15% (NAFE & NASB) • Labor Unions • Pilots, chiropractors, truckers, farmer/rancher, marine pilots, home based workers, self employed (no financials) • Underwriting- no reinsurance; sleep apnea, colitis, fibromyalgia, diabetes, build, M/N • Possible full benefit period and most riders • High non med limits

46. Association Business • NAFE- National Association of Female Executives • $29/yr membership fee • Men or women can join • 15% off DI • 10% of LTC* • No comp reduction on DI *5% in 2009

47. Association Business • NASB- National Association of Small Businesses • $79/yr membership fee • 15% off DI • Additional 10% benefit at claim time • 10% off LTC* • No comp reduction on DI *5% in 2009

48. Association Business • Chambers of Commerce • Labor Unions • Same Occupation organizations • Non Health Care groups • http://infotrac.galegroup.com/itweb/omah46468 • Password “omaha” • Search by location or occupations

49. Coming Soon- To a Plus Group Office near you • Black Collar DI- coverage for typically uninsurable occupations, e.g. Sanitation worker, prison guard • Multi-life- GSI for middle income/ rank and file and blue/gray collar occupations.

50. Disability Income Choice Portfolio Questions? Contact your Plus Group office today by calling 800-831-1018 or check out our website at www. Plusgroupus.com