Serving Working Class Americans Since 1900 R-3775 LNL2337 0917
Who We Are Founded in 1900 Serving thousands of businesses, State and local governments, and school systems Millions of customers nationwide Top Financial Strength Ratings A+ (Superior) A1 (as of 10/15), (as of 6/15), AA- Very Strong (as of 10/15), AA- Very Strong (as of 9/15), Fitch Member of Better Business Bureau Local offices nationwide 2
What We Do Help employers at no cost attract and retain employees with much needed benefits Help employees protect those they care about most Help employers and employees save valuable tax dollars Form 1040 Department of the Treasury Internal Revenue Ser U.S. Individual Income Tax For the year Jan. 1 Dec. 31, 2013, or other tax year beginning Your first name and initial Last name If a joint return, spouse s first name and initial Last name Home address (number and street). If you have a P.O. box, see instructio City, town or post office, state, and ZIP code. If you have a foreign address, als Foreign country name Filing Status Check only one box. emptions 1 Single 2 Married filing jointly (even 3 Married filing separatel and full name here. 6a Yourself. If s b Spous 3
How We Are Different Introductory offers for every employee Needs based approach Unique products 4
Introductory Offers No Cost Discount Card Quality Discount Health Services Program* Access to a National network Thousands of local providers Discounts on: Vision and hearing Prescription drugs Chiropractic care *This plan is not insurance. 5
Introductory Offers Accidental Death Coverage In the United States, unintentional injuries are the leading cause of death for people under age 45* $3,000 coverage for employee $3,000 coverage for spouse $1,000 per child *Centers for Disease Control, 2014 6
Needs Analysis If you passed away, do you have enough life insurance to cover funeral expenses, pay off the mortgage, and all debts? If you passed away, do you have enough life insurance to replace your income? If cancer were to strike you, or a family member, would you have the money to manage those catastrophic financial hardships? If you or a family member were injured in an accident, would you be protected from the loss of income and additional medical expenses? If you or a family member were to be diagnosed with a critical illness, would you have enough money to continue living the way you do now without your income? YES NO 7
Group Term 65 Group Term 65 Paid up at age 65 Coverage to age 100 Face amount never decreases, premiums never increase Portable Coverage continues when employee retires Pre-tax Allows employees to save more money than if purchased individually $30,000 Coverage Whole Life (weekly) Group Term (weekly) Savings (weekly) Total Savings (52 weeks) Employee Premium $16.42 $8.74 $7.68 $399.36 saved Employee Tax Savings $0.00 $1.75* $1.75 $91.00 saved Employee Net Cost/Savings $16.42 $6.99 $9.43 $490.36 saved * Based on a combined FICA, Federal, and State income tax rate of 20%, 35 year-old male Tobacco user $30,000. For example purposes only. Compares purchase of individual Whole Life to Group Term product purchased at a worksite. 8
Survivor Benefits Income Replacement Replaces the Employee s income for their family Benefit Options: Monthly Income Lump Sum Benefit up to $200,000 Mortgage Protection Designed to help pay off the home for the family Benefit Options: Lump Sum Benefits available up to $200,000 9
Living Benefits Cancer Who is affected by cancer? According to the American Cancer Society* 1 out of 2 men 1 out of 3 women 3 out of 4 families Schedule benefit plans available with no lifetime maximum Chemotherapy/Radiation Hospital Confinement Private Duty Nursing Transportation Lump sum benefits available ($10,000 to $50,000) *American Cancer Society, Cancer Facts & Figures, 2014 10
Living Benefits Critical Illness Each week more than 33,000 people in the United States suffer a heart attack or stroke 1. 57% of all personal bankruptcies in the U.S. were related to a major healthcare crisis 2. We offer lump sum benefits ($10,000 to $50,000) Stroke Heart Attack Kidney Failure Major Organ Transplant 1 American Heart Association, www.heart.org, 2014 2 Today Money, www.today.com/money, 2013 11
Living Benefits There are more than 39 million accidental injuries in America each year, you want to protect your family, both physically and financially*. Accident Protector Max Coverage for the entire family - 24 hours a day - on and off the job Pays cash directly to insured For We pay Emergency Treatment Up to $500 Initial Hospitalization Benefit $1,000 Daily Hospital Confinement $150 to $500 Hospital Intensive Care 2 times daily hospital benefit *National Safety Council, Injury Facts, 2015 Edition 12
How It Works We meet with each employee for a few minutes We provide each employee with the introductory offers Complete the Needs Analysis Offer protection for those with needs 2014-2016 Liberty National Life Insurance Company. All rights reserved. 13