Additional Details Comparision Worksheet 07/21/ /21/ /21/2014

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1 Product Information Current as of: Inforce Premium Plan Description 7052CA 07/21/ /21/ /21/2014 $2.51 Billion LIMRA 2013 LTC Sales Tax qualified Reimbursement $211.4 Million LIMRA 2013 LTC Sales Tax qualified Reimbursement $1.41 Billion LIMRA 2013 LTC Sales Tax Qualified Reimbursement Issue Ages Couples Discount 40%/25%/0% 30%/15%/15% 30%/0%/0% Preferred Health Discount N/A Preferred -15% Standard I 100% Standard II 125% Standard III 150% Other Discounts N/A 5% Affiliation 5% Employer Sponsored Preferred 10%( combination of couples/partners and preferred discount is 35%) Select (Standard) Class I 125% Class II 150% 5% Sponsored Group or Family Discount Limited Pay Options Not Available 10 Pay & Pay to 65 Not Available Daily/Monthly Daily Benefit of $50 - Maximum $500 Monthly Benefit $1,500- $12,000 in $100 Increments or Daily Benefit of $50 to $400 in $5 Increments Policy Maximums 2, 3, 4, 5, 6, 8 and 10 Years Elimination Period 30 or 90 Service or Calendar Days Waiver of EP for Home Care Available 1, 2, 3, 4, 5, 6 or 10 years 30, 60, 90, 120, 180, 365 Calendar Days Optional Endorsement Available Daily Benefit of $50 - $500 1, 2, 3, 4, 5, 6 or 10 years 30, 60, or 1,095 Service Days 1 day = 1 day Optional Endorsement Available /21/14 Page 1 of 6

2 Inflation Protection Compound inflation reduced by claims paid? Nursing Facility Home and Community Care Assisted Living Facility 7052CA "Benefit Increase 5% Compound; 5% Compound; Options" 4% Compound; CPI Compound with 3% Compound; 3% Compound; Guaranteed Increase 5% Compound; 2% Compound; Option; 5% Simple; 5% Compound w/2x 5% Simple; Future Purchase Cap; Guaranteed Increase Option; 5% Simple; Option - Option to No Inflation Guaranteed Purchase increase benefits every Option offer every 3 3 yrs by 10%; years to increase DB No Inflation - Includes by 5% compound, age 65 conversion deemed accepted option. This one time unless refused in option allows writing; policyowner to convert No Inflation to either CPI, 5% Compound or 5% Simple inflation. Offer available for 60 days No No No 100% of daily or monthly 50% or 100% of the daily or monthly Residential Care Facility: Pays expenses up to 75% or 100% of the daily or monthly 100% of the daily 50%, 75% 100% or 150% of the daily or monthly (150% option is available up to $350/day) Pays up to 100% of the daily 70% or 100% of daily in a facility 70% or 100% of the monthly 70% only available with if NH DB amount is $80 or greater 70% or 100% of daily /21/14 Page 2 of 6

3 Shared Option Available? Hospice Care Home Assistance Benefit 7052CA Yes, Available with optional rider. Rider offers to join two policies and client can access the other's benefits if needed. The second policyholder is guaranteed to have access to at least 50% of his or her orginal coverage even if the total share coverage has been depleted. Both parties must choose identical coverage. Up to 100% of the daily or monthly Yes, Available as optional rider. Benefits must be identical If one spouse's benefits are used up by the other, he/she can purchase an additional 2 year benefit at attained age. Upon death of one spouse, the survivor will no longer have to pay for the rider 100% of the daily 3x monthly Home Support or 90x daily lifetime limit. Includes Equipment, Medical Response Systems and Caregiver Training Services: Benefit pays a lifetime of 50X the daily for assistive devices, home modification, durable medical equipment, emergency response system, caregiver training and transportation services Yes. Available with optional rider. Must choose the same benefit period, benefit amount and inflation option. Elimination period and other riders can be different. If one person uses all benefits, the other partner can purchase an additional 2 years at attained age with no underwriting if insured has not been eligible for benefits in the past 2 years and is not over age 90. Dual waiver of premium is not offered. Upon death of one spouse, the survivor will no longer have to pay for the rider. 70% or 100% of NHDB Paid under the Home and Community Based Care Benefit Additional Stay at home Benefit pays up to 30X daily benefit home modification, equipment, caregiver training, home safety and provider check and medical alert systems. Does not reduce lifetime benefit amount /21/14 Page 3 of 6

4 7052CA Agency Required? No No Yes Unlicensed/Uncertified Care Providers Homemaker Services Incidental? Care Coordination Yes, care providers do not have to be licensed, certified or affiliated with a home care agency No, Homemaker services do not have to be received in conjunction with personal care services. Optional. Unlimited company sponsored care coordination services; does not reduce lifetime benefit amount Payable under Cash Alternative Benefit; Flexible Cash Benefit Rider or Cash Benefit Rider No. Homemaker services do not have to be received in conjunction with personal care services sponsored care coordination paid up to 20X the daily max. Does not reduce lifetime benefit amount Yes, For Personal Services and Homemaker Services only No Optional. Unlimited company sponsored care coordination services; does not reduce lifetime benefit amount Caregiver Support Yes Yes Yes Wellness Program Yes. The Wellness Not Available Not Available Program is not a benefit and is not part of the contract. It can be discontinued at any time. Waiver of Premium Begins with receiving benefits (immediately for HC w/ care Begins the day following the day the EP is satisfied Premiums are waived when facility elimination period is satisfied coordination) Respite Care Up to 30 days per calendar year Up to 21 days per year Up to 21 days per year Bed Reservation Up to 60 days per calendar year for any reason Up to 60 days per year for any reason Alternate Plan of Care Yes, "Alternative Care" Yes No Up to 60 days per calendar year for any reason /21/14 Page 4 of 6

5 International Coverage 7052CA Up to 50% of the monthly for confinement in an Outof-Country Nursing Facility and 25% of the monthly (for no more than 365 days) for Home Care Four year time limit from the date of the first covered expense Up to 75% of the daily for Facility and HC. Limited to 365 days Cash Benefit Options Not Available Built in Cash Alternative Benefit pays 40% of HCDB on a monthly basis in lieu of all other benefits. Reimburses up to 75% of applicable benefit for up to 6 years; Not available in sanctioned countries and territories Not Available /21/14 Page 5 of 6

6 Other Features and Options 7052CA Restoration Benefit Rider Nonforfeiture Benefit Transition Benefit Monthly Home Care Rider: Provides monthly HC instead of daily Survivor Benefit Joint Waiver of Premium Shared Rider Return of Premium Nonforfeiture Benefit Enhanced Home & Community-Based Care Rider: Provides 0 day EP for Home Care (Facility EP still needs to be met before Premiums are waived. Days received for HC will count towards Facility EP) Rider also provides an Additional Stay at Home Benefit or 30X the NHDB Survivorship and Waiver or premium Rider Shared Care Rider: guaranteed purchase option of 2 year BP upon partner benefit exhaustion Nonforfeiture Benefit /21/14 Page 6 of 6