1. YOU CAN COUNT ON US For Producer Use Only

3. Common problems with LTC questions

4. Features and benefits of LTCs

5. Long-Term Care Insurance Product Comparisons

6. Reasons to use LTC for your clients

8. 65% of financial professionals indicated that the biggest barrier to discussing long-term care plans was a fear of upsetting family members.

9. In 2008, it was estimated that over 9 million older people required long-term care.

12. The average nursing home stay is 2.4 years, and costs an average of $75,000 per year.

13. 80% of older adults who receive long-term care do so in their homes or community settings.

14. 92% of spouses or partners have not discussed long-term care.

15. 95% of parents have not discussed long-term care with their adult children.

17. Medicare is designed to treat acute medical conditions and does not pay for more than 100 days of skilled nursing or rehabilitation therapy.

19. Helps clients protect their retirement assets for their intended purpose.

20. Reduce the burden of care that often falls on other family members

21. Enable clients to control where they receive care, including in nursing homes, assisted living facilities, adult day care centers, and home settings – where may clients prefer to stay

22. Family members can receive coverage on the same policy.

24. Understanding the Cost of Care For Producer Use Only Anticipating future expenses is an important part of any financial plan. However, when it comes to long-term care, many people fail to recognize the potential impact it can have on their assets, their loved ones, and their overall financial security. The current cost of care is estimated to be $75,000 per year. However, if costs increase at 4.1% per year (based on the average annual rate of inflation), the average cost of care in 30 years would be $250,000 per year. Trends in the Cost of Care

25. For Producer Use Only Benefits of LTC Insurance Can be shared between family members and spouses. Pays family members to provide your care. Returns unused benefits to your personal “Pool of Money” allowing you to stretch your benefits over time. Can provide you with access to care provider discounts. Covers care in your own home.

26. For Producer Use Only 4 Reasons Your Clients Should Purchase LTC Helps protect their assets by providing a pool of money to help cover the cost of long-term care. Ensure quality time for your client and their family – your client will be less dependent on family members for financial or physical assistance. Provides your client with choice and control over important care decisions such as where to receive care and inflation protection to keep pace with the rising cost of care. Access to resources, support and advice for your client and their family.

27. For Producer Use Only LTC – Illustration Mr. and Mrs. Client are 65 years of age, and receive a preferred rating. They have a net worth of $1.5 million and elect to use a $500,000 annuity to fund a Long-Term Care Insurance Policy for both of them. An annual elective withdrawal of $6,325, or 1.3%, from the current annuity is subject to current income taxation of the owner, or approximately $1,777 based on a 28% individual tax bracket. The remaining balance of $4,568 is used to fund a Long-Term Care Insurance Policy with an initial benefit pool of $273,750 per individual. Based on a CPI Compound of 4%, the policy limit at age 80 is a total of $492,750 per individual. $6,325 Elective Withdrawal -$1,777 Income Tax Assuming 28% Bracket or $4,568 (annually) LTC Insurance Premium LTC INSURANCE $547,500 $500,000 Annuity

28. For Producer Use Only Long-Term Care Product Comparisons

29. For Producer Use Only Tips for Reducing the Cost of an LTC Insurance Policy Select an inflation option in which the LTC coverage grows in relation to the Consumer Price Index rather than in relation to a 5% fixed rate. Link coverage to a spouse or family member through a “shared care” option. Purchase coverage through an employer. Reduce the years of coverage. Increase the elimination period (deductible)

30. Here Are 3 Ways To Get Started… 1. Download a quote request form from www.abacusinsadvisors.com 2. Email us at illustrations@abacusinsadvisors.com 3. Call us at 877.672.1401 For Producer Use Only 91% of Financial Professionals Are Not Selling LTC… Are You?

31. EXCEED BEYOND YOUR EXPECTATIONS. Join Abacus Insurance Advisors. Established relationships with carriers, expert guidance and exceptional service are just a few of our concierge level offerings. At AIA, we take care of your back office needs so you can focus on building your business. We invite you to leverage our comprehensive resources and become another AIA success story. Our promise is that your experience with AIA will surpass your expectations. ABACUS INSURANCE ADVISORS, LLC You Can Count On Us. Phone 864.672.1400 Toll Free 877.672.1401 Fax 864.281.9662 Website www.abacusinsadvisors.com 109 Block House Road Greenville, SC 29615 Abacus Insurance Advisors, LLC is an insurance marketing subsidiary of Asset Management, Inc. Neither Abacus Insurance Advisors, nor its employees or agents are authorized to give legal, accounting or tax advice. You should consult your own legal or tax professional regarding the purchase of any life insurance policy. For Producer Use Only