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A growing market

A growing market. Today’s seniors are relatively active, healthy and young at heart.  The U.S. population age 65 and over is expected to double in the next 25 years.  By 2030 almost one out of five Americans (some 72 million people) will be 65 years or older. . A market with money.

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A growing market

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  1. A growing market • Today’s seniors are relatively active, healthy and young at heart.  • The U.S. population age 65 and over is expected to double in the next 25 years.  • By 2030 almost one out of five Americans (some 72 million people) will be 65 years or older. 

  2. A market with money • Seniors control half of the nation’s discretionary income and are America’s fastest growing age group.  • The U.S. Federal Reserve Board reports that the over- 50 age group now • controls 77% of the nation’s financial holdings worth about $800 billion; • represents about 35% of the total U.S. population • accounts for 42% of after-tax income.

  3. A great opportunity • The aging of the U.S. population provides the potential for significant market growth among companies that offer preneed and/or final expense products. LIMRA, Preneed and Final Expense (2006)

  4. A competitive product PlanRight at a Glance • Level Death Benefit (100%, 100%, 100%) • The Accidental Death Rider (ADR) • provides an additional death benefit in the event of an accidental death, • ADR is available on PlanRight – Level only * Member Benefits available for face amounts of $10,000 or more.

  5. A competitive product PlanRight at a Glance • Graded Death Benefit (30%, 70%, 100%) * Member Benefits available for face amounts of $10,000 or more.

  6. A competitive product PlanRight at a Glance • Modified Death Benefit (ROP@i=10%, ROP@i=10%, 100%) * Member Benefits available for face amounts of $10,000 or more.

  7. A Competitive Product - PlanRight • The Common Carrier Accidental Death Rider (CCADR) • provides an additional death benefit up to 2x Face if the insured dies due to an accidental bodily injury that occurred on a common carrier while a fare-paying passenger.

  8. A Competitive Product - PlanRight • Premiums • Age Last Birthday • Rates for Males/Females and Non-Tobacco/Tobacco • No Banding • Commissionable Policy Fee: $36 • Annual, Semi-annual, Quarterly and Monthly modes • One application for all 3 plans

  9. Competitive Features (click screen show to view this page)

  10. Premium ComparisonsBased on $10,000 Face Amount Smoker Non-Smoker Male - Level Male - Level Male - Graded Male - Graded Male - Modified Male - Modified Female - Level Female - Level Female - Graded Female - Graded Female - Modified Female - Modified

  11. Competitive Premiums Male Non-Tobacco Return

  12. Competitive Premiums Male Non-Tobacco Return

  13. Competitive Premiums Male Non-Tobacco Return

  14. Competitive Premiums Male Tobacco Return

  15. Competitive Premiums Male Tobacco Return

  16. Competitive Premiums Male Tobacco Return

  17. Competitive Premiums Female Non-Tobacco Return

  18. Competitive Premiums Female Non-Tobacco Return

  19. Competitive Premiums Female Non-Tobacco Return

  20. Competitive Premiums Female Tobacco Return

  21. Competitive Premiums Female Tobacco Return

  22. Competitive Premiums Female Tobacco Return

  23. An Easy Process • Real-Time Underwriting with Apptical! • Fast, reliable service from the industry leader • Agent needs to only focus on the sale not the underwriting process • Agent knows the decision before they leave their clients home

  24. An Easy Process • 4 Easy Steps • Application completed by agent • Agent to call for the Personal Health Interview with the Applicant - MIB and Prescription Checks will be performed on all applications • Select Product based on application and telephone interview results. • Fax or mail-in application

  25. An Easy Process • All applications must have a Personal Health Interview done prior to submission • The interview and other medical information results will guide the coverage entitlement. • Agent will be notified of situations where coverage entitlement is more or less than applied for and allow 24 hours to advise us not to proceed. • Choice of certificate effective date • Checks received with applications will be cashed and “held” until the certificate effective date. • Preferred pre-authorized checking date is available (the 29th, 30th, and 31st are not available)

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