COMPANY HIGHLIGHTS

LTC

Allianz

• New "Generations Protector"  Priced to sell, beats GE 90% of the time

• 130% Home Care Benefit (Extra 30% does not come off the lifetime maximum)

• 5 Underwriting classes and 30% spouse discount

• Policy paid-up after insured spends 12 months in a nursing facility

Life Investors

• New Life Investors Website www.ltcagentservices.com

• New HIPAA Authorization form required on all applications as of 4/14/03

• New Personal Solutions & Workplace Solutions products available in several states....including new Home Care Cash Benefit that is paid directly to the policyholder and can be used for "Anything"   

John Hancock

• Record sales in 2002 ... 30% increase in new LTCi premium from 2001

• Premium discounts - Preferred health 15% ... One partner applies 10% ... Both partners apply 20%

• Premium savings opportunities for couples with the industries best Shared Care and the unique "Family Care" design

• Highly competitive single rates  

Penn Treaty

• Capital and surplus in excess of five times required national standards

• Over $1 billion in financial assets protecting future policyholder claims

• TQ & Non-TQ Policies

• Stand alone home care and facility only policies

• 5 rate classes and very liberal underwriting
  
        

ANNUITIES (Fixed & EIA)

American Equity

• 3rd ranked company in EIA sales

• Equity Index product with 6% initial premium bonus

• Excellent Commissions

• Ranked #1 Service

Allianz

• #1 company of EIA sales

• 18th largest corporation in the world

• Equity Index product with High Water Mark Feature

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